Credit card 100 days 2.0

Apply for a credit card on favorable terms - for purchases that can't wait.

Up to 100 days without interest payments
Cashback for purchases
Credit limit – up to 300,000 UAH
No commission for opening

Apply for credit card

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Credit Card Terms

Opening a virtual card Visa Classic 100 days: free

Grace period: up to 100 days* for all transactions

Interest rate out of grace period: 4% per month (3% per month for customers aged 65 and over)

Fee for cash withdrawal/transfer using credit funds: 4%

Minimum monthly payment: 4% of the outstanding balance at the end of each month

The maturity date of the minimum monthly payment: until 18:00 on the last calendar day of the month

Credit limit amount: from UAH 5 000 to UAH 300 000 (to UAH 50 000 for customers aged 65 and over)

Credit limit term: up to 300 months (minimum term is equal maximum term)

Loan repayments: free

Accompanying services of bank/3 persons: insurance payment 1% of the amount of the used limit at the end of the month (for clients aged 65 and over)

How to Get a Credit Card Online?

At Raiffeisen Bank, you can obtain a credit card online without visiting a branch. To do this, follow a few simple steps:

Download the MyRaif app.
Complete identification through the Diia app or using your passport and tax identification number (TIN).
Go to the "Credits" section and check if a credit offer is available to you.
Apply for a credit card online by following the instructions in the app.

If you are already a Raiffeisen client, applying for a credit card online is even easier—simply log in to MyRaif and check for offers in the "Credits" section.

Apply for credit card

What is a Grace Period and How to Use It?

* A grace period is the duration during which a credit card allows you to use borrowed funds without accruing interest, provided the conditions of the grace period are met. The grace period starts from the date of the first transaction made during the grace period and lasts for 100 days. For all subsequent transactions, the grace period ends on the expiration date from the date of the first transaction.
To take advantage of the grace period benefits on a credit card, you need to:

Make minimum monthly payments during the grace period, calculated as 4% of the used credit limit on the last calendar day of the month. The payment deadline is from the first calendar day until 6:00 PM on the last calendar day of the month following the month of the minimum payment calculation.
Pay off the entire debt within 100 days from the date of the first transaction during the grace period (the debt is considered paid if the card account is replenished with the amount of the debt as of the end of the previous day by 6:00 PM on the current day).

For example:

Purchase date: June 2 marks the start of the grace period, ending on September 10 (duration: 100 days).
The first monthly minimum payment will be calculated on June 30, followed by July 31 and August 31.
Payment deadlines for minimum monthly payments: by 6:00 PM on July 31 and by 6:00 PM on August 31. Late payment results in default, cancellation of the grace period, and interest accrual from the first day of the grace period (interest is charged on the outstanding balance at the end of each day).
Full repayment must be made by 6:00 PM on September 10. Late payment on the credit card cancels the grace period and interest accrues from the first day of the grace period.

Documents

Standart form of Application on Card account opening and provision of the “Credit Card” Loan

Tariff model "Credit card 100 days 2.0"

Information on essential characteristics "Credit Card 100 days 2.0"

WARNING to individual customers when using the Credit Card consumer credit service

The service of providing Raiffeisen Bank JSC (hereinafter - the Bank) with consumer loans under the credit card program is provided by the Bank to individual customers under the terms of the Banking Service Agreement.
The Banking Service Agreement (hereinafter - the Agreement) is an accession agreement (Article 634 of the Civil Code of Ukraine) and consists of a public offer, a statement of acceptance of a public offer/agreement, "Rules for Banking Service of Individuals in Raiffeisen Bank JSC", Bank tariffs and a loan application "Credit Card".
In case of non-fulfillment or improper fulfillment by the client of the loan obligations established by the Agreement, the client is liable according to the legislation of Ukraine and the terms of the Agreement.
Thus, for the delay in the fulfillment by the client of any monetary obligations under the loan, the client must pay a penalty at the request of the Bank in the amount of 1% (one percent) of the amount of overdue payment, but in any case not less than 50 (fifty) hryvnias.
Also, in case of non-return of the loan by the client on the last day of the loan term, the client must pay interest to the Bank (as liability for violation of the monetary obligation under Article 625 of the Civil Code of Ukraine) in the amount of 0.000001% to 48.00% per annum.
The Bank shall not require the client to purchase any goods or services from the Bank or a related or associated person as a prerequisite for the provision of a consumer credit service (except for the provision of a package of banking services).
The Bank shall not be entitled to amend the Loan Card application with the client unilaterally unless otherwise provided by the Agreement or the law.
The customer may refuse to receive promotional materials by means of remote communication channels.

Useful information

Borrower requirements

Permanent registration on the territory of Ukraine
The age of the borrower from 18 to 71 years

How easy to repay a credit card?

Choose the most convenient way for you:

via mobile app MyRaif;
by a card of any Ukrainian bank¹ on the Bank website;
by an automatic monthly payment from another card account, issued by Raiffeisen Bank;
via deposit ATMs and cash desks of the Bank (replenishment of the card at a deposit ATM is possible only using a physical card (the function is currently unavailable for a virtual card).

The Bank does not charge a fee for replenishing a credit card account..

The all services are FREE.

¹Please pay attention that other isssuers can charge fee for such money transfers

Documents for loan processing

Ukrainian passport
Taxpayer identification number
Income certificate for a loan of UAH 20,000 or more

Who is a Credit Card Suitable For?

A credit card is suitable for those who want to have financial support at hand: for shopping, traveling, or online payments. It is convenient for both regular use and unexpected expenses.

What is a Credit Card?

A credit card is a convenient payment tool that allows you to use the bank's funds within a set limit. A credit card with a limit is suitable for daily expenses and, if the grace period is observed, without extra charges.

What is a Credit Limit?

A credit limit is the amount the bank provides at your disposal when issuing a credit card. For example, the 100-day credit card at Raiffeisen offers a limit of up to 300,000 UAH, which can be used interest-free within the grace period.

What is the Difference Between a Credit and a Debit Card?

A credit card represents the bank's funds that you can use temporarily, whereas a debit card consists solely of your own money. A credit card with a credit limit allows you to "borrow" money, while a debit card does not.

Can I Apply for a Credit Card Online?

Yes, you can apply for a credit card online in just a few clicks—without visiting a branch. Simply download the MyRaif app and check if a credit card is available to you online.

Does My Credit History Affect Getting a Card?

Yes, your credit history affects the bank's decision to issue a card and the limit amount. To get a credit card online, it's important to have a positive credit reputation—this increases your chances of obtaining a credit card with a high limit.