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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 300 000 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* (for purchse and money transfer transactions)
Interest rate
39,9% per annum
Minimum monthly payment
5% of the balance of the debt as of the 25th of each month
Monthly payment due datethe 20th of month
Accompanying services of bank
Account maintenance fee (monthly) - UAH 50**
Fee for cash withdrawal/money transfer
Credit limit amountfrom UAH 5 000 to UAH 300 000
Credit limit termup to 300 months (minimum term is equal maximum term)
Accompanying services of 3 persons
Compulsory life insurance of the borrower (insurer - PJSC «Insurance company «UNIQA Life»)
Monthly insurance contribution: 0.7% of the balance of the debt as of the end of month (min UAH 15, if the debt is more than UAH 25)
Mobile Banking
Raiffeisen online
Participation in Program
Fishka / Bilshe Mastercard (silver points)

*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.

**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 ten purchase transactions under the account using the payment card, and the average monthly balance under the account for the previous month is from UAH 75.00.

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
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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