In the event of the loss of your payment card, it is necessary to immediately block the card against further use. To block a card, call the Infoline +420 221 210 031.
The Infoline blocks the card immediately against further use and arranges with you the issuance of a new payment card.
If you are about to go on holiday and you leave your card at home, you can protect it from misuse and block it while on holiday.
For temporary blocking and subsequent unblocking of a card, call the Infoline +420 221 210 031.
Your card is blocked free of charge. The contact details for card blocking are in the HELP LINE card.
Due to security, all payment cards are locked for payments on the Internet or for payments in the absence of a card (e.g. telephone orders, so-called MO/TO payments).
To open your card for this method of payment, contact the Infoline +420 221 210 031.
All our payment cards automatically support the 3DSecure protection of a card.
For the highest protection of a card on the Internet, we recommend using the card only with Internet merchants supporting 3DSecure payments on the Internet.
Data required for card payment on the Internet and MO/TO payment:
Opening or locking your card for card payments on the Internet or MO/TO payments is free of charge.
A list of countries where it is risky to use MasterCard or Visa cards.
| Example pursuant to Act No. 257/2016 Coll. (duration one year) | Visa Classic |
| Credit card limit | CZK 30,000 |
| Interest rate per month/year | 1,58 % / 18,96 % |
| Card account administration fee*) | CZK 40 per month |
| APR (annual percentage rate) | 24,10 % |
| Total amount due from the client | CZK 33,561 |
| Monthly principal repayment (total 12) | CZK 2,500 |
The 12 monthly interest payments on the loan are:
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
*) If the card is included in selected Personal Accounts, the card account administration is free of charge.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
| Example pursuant to Act No. 257/2016 Coll. (duration one year) | Visa Gold |
| Credit card limit | CZK 100,000 |
| Interest rate per month/year | 1,33% / 15,96% |
| Card account administration fee*) | CZK 120 per month |
| APR (annual percentage rate) | 20,2 % |
| Total amount due from the client | CZK 110,085 |
| Monthly instalment amount | CZK 8,333.3 |
The 12 monthly interest payments on the loan are:
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
*) If the card is included in selected Personal Accounts, the card account administration is free of charge.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
| Example pursuant to Act No. 257/2016 Coll. | AXA CLUB |
| Credit card limit | CZK 30,000 |
| Interest rate per month/year | 1,95 % / 23,40 % |
| Card account administration fee | CZK 30 per month |
| APR (annual percentage rate) | 29,15 % |
| Total amount due from the client | CZK 34,365 |
| Monthly instalment amount | CZK 2,864 |
| Actual expenses after deducting the max. AXA bonus | CZK 31,057 |
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
| Example pursuant to Act No. 257/2016 Coll. | Visa Generali |
| Credit card limit | CZK 30,000 |
| Interest rate per month/year | 1,95 % / 23,40 % |
| Card account administration fee*) | CZK 30 per month |
| APR (annual percentage rate) | 29,15 % |
| Total amount due from the client | CZK 34,365 |
| Monthly instalment amount | CZK 2,864 |
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
*) If the card is included in selected Personal Accounts, card account administration is free of charge.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
| Example pursuant to Act No. 257/2016 Coll. | MC Miles & More Standard |
| Credit card limit | CZK 30,000 |
| Interest rate per month/year | 1,95 % / 23,40 % |
| Card account administration fee*) | CZK 70 per month |
| APR (annual percentage rate) | 32,64 % |
| Total amount due from the client | CZK 34,845 |
| Monthly instalment amount | CZK 2,904 |
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
*) If the card is included in selected Personal Accounts, the card account is administered on favourable terms. For members of the Miles&More programme with SENATOR and HON Circle membership, card account administration is free of charge.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
| Example pursuant to Act No. 257/2016 Coll. | MC Miles & More Gold |
| Credit card limit | CZK 100,000 |
| Interest rate per month/year | 1,58 % / 18,96 % |
| Card account administration fee*) | CZK 170 per month |
| APR (annual percentage rate) | 25,36 % |
| Total amount due from the client | CZK 112,787 |
| Monthly instalment amount | CZK 9,399 |
A credit limit is taken out for an indefinite period of time.
APR is calculated on the assumption that the credit limit is drawn down through cashless payment on the first day following the conclusion of the contract, provided for a period of 1 year, with the interest rate mentioned above, repaid in identical monthly instalments starting 1 month after the date of the first drawdown, no interest-free period applied, the fee mentioned above paid, and only electronic statements used.
*) If the card is included in selected Personal Accounts, the card account is administered on favourable terms. For members of the Miles&More programme with SENATOR and HON Circle membership, card account administration is free of charge.
Given the fact that credit cards are mostly provided for an indefinite period of time, repayment may be done through monthly instalments in different amounts and a so-called interest-free period may be used in this case; the preconditions of law do not usually materialise in practice and the figures calculated above and actual figures may vary.
More information on TRAVEL insurance.
More information on SAFE Insurance against Card Misuse.
Priority Pass is an independent global programme for access to more than 600 VIP airport lounges in over 100 countries around the world, offering in particular:
Access to VIP airport lounges where you can spend the moments waiting for your plane. This access does not depend on your choice of airline or ticket class. In the event of delay or cancellation of your flight or while waiting for your plane, you can enjoy the quiet and comfort of the lounge, where you can work or relax. An updated list of VIP lounges and the Terms of Use of the Service are available at www.prioritypass.com.
Through the network of UniCredit Bank deposit ATMs, you can change your PIN for free. If you activate your card, you can change your PIN the next working day following the activation. Card payments with merchants and cash withdrawals from ATMs may be executed immediately after changing your PIN; however, cash deposits via ATMs or requests for mini-statements are possible on the next working day.