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Exclusive FISHKA payment card combines a bank payment card with a revolving credit line and a regular FISHKA card.

Fishback | Raiffeisen Bank Aval
Mastercard World Fishka
Fishback #2 | Raiffeisen Bank Aval

Credit limit – up to 250 000 UAH

Fishback #3 | Raiffeisen Bank Aval
Grace period – up to 57 days
Fishback #4 | Raiffeisen Bank Aval

Exchange of points for discounts at the Program Partners: AZK OKKO, ALLO, Аптека доброго дня and rewards from the catalog

Fishback #5 | Raiffeisen Bank Aval
Payment at points of sale and the internet – no commission

Terms of the loan program

Opening of Mastercard World Fishka card
Grace period
up to 57 days*
Interest rate
39,9% per annum
Minimum monthly payment
5% of the balance of the debt**
Account maintenance fee (monthly)
50 UAH***
Fee for cash withdrawal
3% + 15 UAH
Monthly insurance premium
0.7% of the balance of the debt at the end of the month (min 15 UAH, if the debt is more than 25 UAH)****
Monthly payment maturity
the 20th of month
Mobile Banking
Raiffeisen online
Participation in Program
Bilshe Mastercard

*Grace period continues from the date of transaction till the 25th day of the following month and further until the 20th day of the following monthinclusively (if the used limit amount was repaid within the specified period). (For example: date of cashless product payment is 26.07, the closest billing date is 25.08, grace period – from 26.07 to 20.09 (57 days).

**5 (five)% of debt remain. Amount of minimum monthly payment is set for repayment on every 25th day of the month and shall be repaid by the 20th day of the following month.

***The payment is charged on the 6th day of each month, taking into account the transactions made during the previous calendar month. The payment is charged, if there were less than three transactions under the account for goods/works/services purchase at a retail network and/or Internet using the payment card, and the average monthly balance under the account for the previous month is from UAH 25.00.

****Calculated on the amount as of the end of month.

Useful information
information that may be useful for you
Requirements to the borrower
  • Permanent registration on the territory of Ukraine.
  • Age of the borrower: from 23 to 71 years1.

1A credit card is provided for women up to 60 years old and men up to 64 years old. For retirees by age - up to 71 years.

Documents for registration of a loan
  • Passport of a citizen of Ukraine
  • Taxpayer Identification Number
  • Certificate of Income (for new clients, if the loan amount is more than 50 000 UAH)
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 

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