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Fishback
Terms of the loan program
- Opening a card Mastercard World Fishback
free
- Grace period
up to 57 days* for purchase and money transfer transactions
- Interest rate out of grace period
3.33% monthly
- Fee for cash withdrawal/money transfer
3%
- Minimum monthly repayment
5% of the balance of the debt as of 25th of each month
- The maturity date of the monthly payment
by the 20th of each month
- Credit limit amount
from UAH 5 000 to UAH 300 000
- Credit limit term
up to 300 months (minimum term is equal maximum term)
- Loan repayments
free
- Loyalty program
Participation in Fishka
- Accompanying services of bank/3 persons
not applicable
*Grace period applies to purchase and money transfer transactions using a credit card and valid from the date of transaction till the nearest the 25th of each month and further until the 20th of the following month inclusively if the used limit amount as of 25th date amount was repaid within the specified period. For example: date of cashless product payment is 26.07, the closest the 25th is 25.08, grace period – from 26.07 to 20.09 (57 days).
The grace period does not apply to transactions of cash withdrawals, fees, interest etc
The term of crediting to the card account is up to 3 banking days from the date of transfer to the card. Please make repayments in advance.
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. |
