4U card

Credit card with low interest rate,
post-warranty appliance repair service
and repayment insurance

Post-warranty repair service for appliances

Repairs at household up to CZK 10,000

1 free ATM withdrawal in Europe and Czechia monthly

Interest-free period of up to 45 days

Do you need Home Assistance Services? Call + 420 266 799 787

WHY YOU SHOULD GET 4U CARD

Separate your finances in connection with day-to-day expenses , vacation or online payments
Purchase a household appliance on instalment credit terms, but you do not want to apply for hire purchase again

Occasionally withdraw cash without any fees using your credit card
Benefit from post-warranty repair service for your appliance free of charge

Something extra

Why the 4U card is better than other credit cards

Appliances through hire purchase

Your washing machine or refrigerator has broken down or maybe you need a new television. With a credit card, these unforeseen expenses will not catch you off guard. You can use your credit card to shop right away, without waiting for a loan approval. You can benefit from up to CZK 250,000 to shop for appliances and make other purchases. Moreover, you can spread large payments over a longer period of time and make smaller instalments you can handle comfortably, without jeopardizing your family budget.

Household emergencies are on us

Sometimes, life is full of surprises. You may have to deal with smaller disasters at home – such as burst water pipes. With a credit card, you can benefit from household plumbing services – newly up to the limit of CZK 10,000. You can quickly resolve water pipe damage, bathroom accidents, etc. We will also help you if you accidentally lock yourself out. Locksmith services are available up to the limit of CZK 5,000.

Post-warranty servicing for home appliances free of charge

Has your home appliance broken down? With your credit card, you can use our Home Assistance Services that include post-warranty servicing of selected appliances or services of an electrician or plumber (up to the limit of CZK 5,000 a year) in the event of a household emergency.

Payments under control – even in case of a loss of income

Additional security. If you experience financial difficulties or lose your income, problems relating to your loan are the last thing on your mind. Your credit card offers payment protection insurance free of charge, thereby protecting your savings from unforeseen expenses. Moreover, it also provides coverage in the event of death, total disability, incapacity for work, and loss of employment.

Selected price list items

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Annual fee for card

Free of charge

Annual fee for issue of second card to credit account

Free of charge

Monthly fee for administration and management of credit account

Free of charge

Monthly automatic payment in interest-free period

Free of charge

Services in the price of card

Optional Repayment Insurance Option,
Optional Household Assistance Service

Cash withdrawal from ATM in the Czech Republic and other 44 european countries

1 withdrawal monthly free of charge,
next CZK 59

Cash withdrawal from ATM abroad - other countries

CZK 99

Change of PIN in KB ATM

Free of charge

HOW TO GET THIS PRODUCT?

BY PHONE

Leave it all up to us. Leave your contact information – we will call you back.

AT A BRANCH

Select a branch, leave your contact information – we will call you back.

MOJEBANKA

Get the service online – directly in the MojeBanka application.

MOJEBANKA

USEFUL INFORMATION

About the 4U Card

4U Card is a contactless embossed credit card
Draw up to CZK 30,000 without proof of income
Benefit from an interest-free period of up to 45 days
Repay your outstanding balance in full or only pay 3% per month plus interest
Quick and secure payments all over the world and even online
Suitable complement to a MůjÚčet / MůjÚčet Plus account or a student account
With automatic repayments, we will make payments for you – alternatively, you can set up automatic card repayment during grace period free of charge
Check out our example

Complete list of benefits

Card issue and maintenance free of charge
Automatic repayment during grace period free of charge
1 cash withdrawal from any ATM in the Czech Republic and Europe free of charge each month
Interest rate of 13.9%
Optional payment protection insurance free of charge
Optional Home Assistance services free of charge. For more information, see the below documents

Home Assistance services
Available assistance services	Maximum coverage
Electricians	CZK 10,000 incl. VAT
Plumbers	CZK 10,000 incl. VAT
Heating engineers	CZK 10,000 incl. VAT
Gas engineers	CZK 10,000 incl. VAT
Glass workshops	CZK 10,000 incl. VAT
Locksmiths	CZK 5,000 incl. VAT
Post-warranty repair services for home appliances	CZK 5,000 incl. VAT
Pest control	CZK 5,000 incl. VAT
Removal of wasp/hornet’s nests	CZK 5,000 incl. VAT
Cleaning after household emergencies	Organization
Handyman services	Organization
One-time household cleaning	Organization
IT assistance – remote access	60 minutes
Telehealth services	30 minutes