Payment card tips

The bank will issue a debit card to you with your bank account. When you make payments (on the Internet or in stores), ATM withdrawals or withdrawals in stores (i.e. Cash Back), you always use your own funds. You can use or purchase additional services with your card, such as optional travel insurance.

A credit card combines the benefits of a payment card with a non-purpose loan – without the need to use your own funds or reapply for a loan with your bank. When you make payments with your credit card, you use the bank’s money that is available to you in a credit account - up to a credit limit approved by the bank.
With a credit card, you can enjoy many supplementary services and benefits, such as discount programs, travel insurance for payment cards or different types of assistance services.

How does a credit card work?

Card with your own design

The MojeKarta service will allow you to create an original and unique payment card. Would you like to have a payment card with a photo of your pet or a favourite picture from your vacation or family celebration? No problem with Komerční banka. You can choose or upload your own card design that will always be by your side. This service is available for selected debit and credit cards issued with KB accounts. For more information, visit MojeKarta website.

A deposit card may be useful for your employees, allowing them to make quick and convenient cash deposits to a company account using KB deposit ATMs without any other access to such account. A deposit card does not permit POS payments, cash withdrawals or any other transactions. 
Money is deposited to an account, to which the card is issued. Cardholders may or may not be authorised to see account balance at an ATM.
Find out more about KB Deposit Card

A business card is a debit or credit payment card issued with a business or corporate account. It may also be referred to as a corporate card. A corporate card is a credit card with its parameters adapted to the needs of companies with turnover over CZK 60 million.
Compared to payment cards for individuals, payment cards for businesses and corporations have a number of specifics relating to card settings and administration.