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Credit Agricole / Private clients / Credit cards

Credit cards

Credit card for your accomplishments

Credit card for daily shopping, online purchases and travel with a grace period of up to 62 days for all types of transactions.

Credit Agricole offers transparent terms, no hidden fees and all the advantages of a reliable bank belonging to one of the world's largest international groups*.

*The Banker rating, 2023

Order

Product advantages

Credit limit
up to UAH 250 000*

Grace period up to 62 days
Credit at 0.01% per annum

Free of charge
account replenishment

No income statement
up to UAH 100,000
for PIs

Basic terms of credit card maintenance

36%

annual
interest
rate

minimum
monthly
payment

up to 62 days

grace period
for all types
of transactions

3 years

the loan term
with the possibility
of extension

43,26%

annual
real
interest
rate

commission fee
for cash withdrawal,
card-to-card
transfers

If the customer fails to fulfill their obligations under the loan agreement, the bank has the right, in the cases defined by the agreement, to demand early repayment of loan payments (full early repayment of the loan), payment of penalties and/or fines, and reimbursement for damages caused to it by breach of obligation.

You can receive a credit card, if:

Age between 23 and 65
on the expiration date of the credit limit

(age from 23 to 25 years in the amount of up to UAH 100,000 for PEs and PEs working in IT)

You are an employee with a work experience
from 6 months at the same place /
PEs, PEs working in IT

Documents required to obtain a credit card

PIs

Ukrainian passport / ID card
Taxpayer Identification Number
Income statement for the last 6 months
(for the amount of the credit limit over UAH 100,000)

IT/IT PEs

Ukrainian passport / ID card
Taxpayer Identification Number
Valid agreement with a company for the provision of paid IT services
Bank statement for the customer's account, to which the income for the last 12 months is credited

PEs

Ukrainian passport / ID card
Taxpayer Identification Number
PE`s tax declaration

Convenient and up-to-date mobile application CA+ by Credit Agricole for online finance management

UAH/ USD/ EUR digital cards
Instant opening, UAH 0 per use

Purchase of currency online by card

Repayment of loans

Free of charge payment for utility services

Fast card-to-card transfers

Easy login by fingerprint or
facial recognition

Credit card offers for existing customers of the bank


Credit card for salary project customers	Preferta credit card	DriveCard credit card
For customers who are served within the salary card project	For customers who use/used a ‘Svoboda’ loan or a car loan	For customers who issue a car loan
Credit limit from UAH 10,000 to UAH 300,000	Credit limit from UAH 10,000 to UAH 250,000	Credit limit from UAH 10,000 to UAH 250,000
Grace period of up to 62 days, for all types of transactions	Grace period of up to 62 days, for all types of transactions	Grace period of up to 62 days, for all types of transactions
Interest rate for loan use – 34% per annum	Interest rate for loan use – 34% per annum	Interest rate for loan use – 30% per annum
Real annual interest rate – 40,46% per annum	Real annual interest rate – 40,46% per annum	Real annual interest rate – 35,03% per annum
Minimum payment – 5%	Minimum payment – 5%	Minimum payment – 5%
Issue and maintenance – UAH 0	Issue and maintenance – UAH 0	Issue and maintenance – UAH 0
Loan term – 3 years with the possibility of extension	Loan term – 3 years with the possibility of extension	Loan term – 3 years with the possibility of extension
Additional points in Mastercard Bilshe	Additional points in Mastercard Bilshe	Special catalog for car owners at Mastercard Bilshe

Mastercard bilshe rewards program

Mastercard World, Platinum, Black Edition and World Elite credit cards by CREDIT AGRICOLE is a unique way to receive a bonus paying for goods and services at home or abroad, in a store or via the Internet.

Points are credited to your account after each payment with Mastercard World, Platinum and World Elite cards in retail and service network (stores, restaurants, etc.)

More details

Contract and terms

Agreement, rules and other useful information

How to repay the loan

Significant characteristics

Credit card for a general list of customers significant characteristics

Credit card for salary project customers significant characteristics

Preferta significant characteristics

DriveCard significant characteristics

Tariffs

Tariffs for issue and maintenance of CREDIT AGRICOLE payment cards

Tariffs for maintenance of CREDIT AGRICOLE payment cards the issuance of which has been terminated

Calculator

The real annual interest rate and total costs of the loan are calculated on the assumption that the customer uses the entire limit once by withdrawing cash from an ATM / cash desk of a Ukrainian bank or for non-cash payments and repays it in the amount of the mandatory monthly payment every month until the end of the card's validity.

About grace period

How is the grace period for using funds calculated?

The grace period is a period of up to 62 days, during which interest is accrued on the amount of all cash and non-cash card payments at a symbolic rate of 0.01% per annum. The grace period for each month begins on the 1st day of each month*, provided that the debt for the previous period is fully repaid.

How the debt is repaid?

To do this, it is enough to repay the debt by the last day of the month following the one in which you used the credit funds.

*Excluding card-to-card transfers, as the grace period for them begins on the 2nd day of a month.

Warning

The bank informs about the following:

Early termination of the loan agreement at the initiative of the customer is possible only by full early repayment of the loan and all payments under the agreement. In this case, in order to make the last payment or complete early repayment, it is necessary to contact an outlet.
The borrower has the right after the termination of the agreement on the provision of banking services, including in connection with the expiration, termination or execution of such an agreement, to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information (certificate) about the absence of debt and full fulfillment of the borrower's obligations under the agreement, which the bank provides in the form of a paper or electronic document (at the customer's choice) within five business days from the day the bank receives such a request.
The consumer has the right to withdraw from the consumer loan agreement within 14 calendar days in the manner and under the conditions specified by the Law of Ukraine "On Consumer Lending", including in the case of receipt of funds. The borrower must notify the Bank in writing of the intention to withdraw from the loan agreement and, within 7 calendar days from the date of submission of the written notification, must return the funds received under the loan agreement to the bank and pay interest for the period from the date of receipt of the funds to the day of their return at the rate established by the loan agreement. Take other actions provided for by the Law of Ukraine "On Consumer Lending" or the agreement.
The Bank is prohibited from requiring the customer to purchase any goods or services provided by the Bank or a relative or related person as a prerequisite for the provision of these services (except for the provision of a banking services package).
The Bank is prohibited from increasing the fixed interest rate under the agreement without the written consent of the customer.
The Bank shall not have the right to amend the agreements concluded with customers unilaterally, unless otherwise provided by the agreement or the law.
The customer has the option to refuse to receive advertising materials by means of remote communication channels.

Credit Agricole Bank does not cooperate with any intermediaries when issuing credit cards. Credit card agreements are concluded only directly with the bank's entity. Before setting a credit limit on a credit card, there is no requirement to deposit own funds (down payments, insurance premiums, etc.).

IDGF

Deposit guarantee fund