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Wish-card 2.0
Terms of the loan program
- Opening a card Mastercard World Wish-card
free
- Grace period
up to 57 days for purchases/money transfer transactions *
- Interest rate out of grace period
3.75% per month
- Fee for cash withdrawal/money transfer
3% (2 transactions per month for cash withdrawals in ATMs of Raiffeisen Bank are without a fee)
- Minimum monthly payment
5% of the outstanding balance on the 25th of each month
- The date of repayment 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 Mastercard Bilshe
- 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. |
Mastercard Bilshe
📢Important changes. From November 10, 2024, the accrual of gold points for the program Bilshe Mastercard will be stopped.
Exchange of already accrued points for gifts remains available until December 31, 2024.
Mastercard World "Wish-card" credit cards issued from November 10, 2024 do not participate in Bilshe Mastercard.
Useful information
How easy to repay a credit card?
Permanent registration on the territory of Ukraine
The age of the borrower from 65 to 71 years
How easy to repay a credit card?
Choose the most convenient way for you:
- via «Raiffeisen Online» Internet-banking;
- by a card of any Ukrainian bank1 on the Bank website;
- by an automatic monthly payment from another card account, issued by Raiffeisen Bank Aval;
- via self-service kiosks, deposit ATMs and cash desks of the Bank.
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
