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Credit Card VISA Electron

Money available whenever you need it.

The VISA Electron credit card is intended for:

  • Czech citizens over the age of 18 for their personal requirements
  • foreigners over the age of 18 with a permanent residency permit (citizens of EU member countries require only a temporary residency permit)

Characteristics of the VISA Electron credit card

  • international embossed Visa Electron payment card and permanent loan in one
  • card validity: 3 years
  • up to two credit cards can be issued for one account
  • the credit limit for credit cards is set at a level between CZK 10,000 and 60,000
  • the bank does not require any further security
Repayment:

Repayment

  • in the form of regular instalments once a month (1/20 of the amount drawn on the date of the statement + applicable interest)
  • in the form of extraordinary repayments at any time up to the level of the drawn amount
  • the loan framework, which you can draw on again, is automatically increased by the repaid amount – the more you repay, the more you can draw on again
Interest:
  • only the amount of the loan framework drawn on is subject to interest, this being on a daily basis
  • interest is only charged on the amount, which is currently drawn on (not yet repaid)
Interest-free period:
  • subject to fulfilment of the pertinent conditions, you can draw on the loan interest-free for up to 45 days
  • if the whole drawn amount is repaid within the pre-arranged period, interest is not charged for the month in question
  • notification is provided of conditions every month via the credit card account statement

Advantages of the VISA Electron credit card:

  • no charge for issue of the VISA Electron credit card
  • interest-free drawing for a period of up to 45 days for both cash and cashless transactions, i.e. not only for POS payments at retail outlets but also for ATM and bank cash withdrawals, as well as wire transfers
  • creditor protection insurance for the event of loss of employment, long-term illness, disability or death – is included free of charge as part of the card
  • compulsory monthly instalment – 1/20 of the drawn amount + applicable interest – a lower financial burden on the family budget
  • possibility of issuing up to two credit cards for one credit card account
  • a combination of a credit card with the services of MojeBanka and Expresní linka for greater convenience and flexibility
  • possibility of applying for the credit card on-line via MojeBanka Internet banking
  • possibility of choosing whether charges will be paid from the loan framework or from a current account (for clients with a KB current account)
  • possibility ofincreasing the credit limit
  • possibility of changing your PIN in any KB cash machine
  • possibility of creating your own card design thanks to the MojeKarta service
  • optional Patron insurance for the event of death and Merlin for the event of loss or theft of the card
  • possibility of using Cash back, cash can be withdrawn directly at the checkout in shops when paying by card

The VISA Electron credit card allows you to:

  • Draw on a loan at any time according to your requirements
    • the loan is drawn (and thus also subject to interest) according to your current requirements
    • funds always available
    • very simple access to money
  • Communicate easily with the bank
    • possibility of monitoring  the current loan balance on the credit card with the aid of MojeBanka Internet banking and Expresní linka telephone banking
    • daily information by SMS on request
  • Pay for mobile operator services
    • you can pay for selected services of the mobile operator Vodafone directly from your mobile telephone
    • simple top-up of prepaid sets via selected KB cash machines

Representative example

For better clarity, we have prepared a Advertising offer, which includes a representative example.

How to get a VISA Electron credit card?

  • at KB branches
    • You must have a current account held in CZK to be issued a credit card.
    • When visiting a KB branch in person, submit confirmation of the level of your average income for the past three months (see confirmation of income form).
    • You can gain a higher loan framework by submitting confirmation of your husband's or wife's income.
    • If you have a current account with KB, you may be issued a credit card without having to prove your income.
    • You can pick up your card within six working days of submitting the application at your KB branch.
  • on-line via MojeBanka Internet banking
    • Clients who have a current account held in KB, MojeBanka Internet banking and who also have a preapproved credit limit can apply for a credit card on-line.
    • You will be guided through your on-line application by a simple wizard.
    • You can pick up your card within six working days of submitting the application at your KB branch.
  • by telephone
    • Clients who have a current account held in KB and who also have a preapproved credit limit can apply for a credit card by telephone.
    • A telephone banker will simply guide you through your application by telephone.
    • You can pick up your card within six working days of submitting the application at your KB branch.
  • contact your relationship manager
  • call the free KB Info line on 800 521 521

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