Mastercard loyalty program

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Credit Agricole / Private clients / Credit cards

Credit cards

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A credit card for your accomplishments

A credit card that allows you to profitably and simply use the credit limit for all types of operations with a grace period of up to 62 days

Order

Product advantages:

Credit limit up to 250 000 UAH*

Up to 62 days grace period credit at 0.01% per annum

Minimal monthly payments of only 5% of the actually used amount of the credit limit

Account replenishment free of charge

Free connection to GSM-banking service – notification

You can postpone your wishes for an indefinite period, or you can implement them already now – travel the world, buy what you like, give gifts to loved ones and actively replenish your baggage of impressions.

Other credit card offers

Сredit card for payroll clients	Preferta credit card	DriveCard credit card

Offered to clients served under the payroll card project	Offered to customers using/used the loan "Freedom" or a loan for a car	Offered to customers applying for a car loan.
The maximum limit is up to UAH 300 000	Limit from 10 000 to 250 000 UAH	Limit from 10 000 to 50 000 UAH
Grace period up to 62 days, applicable to all types of transactions	Grace period up to 62 days, applicable to all types of transactions	Grace period up to 62 days, applicable to all types of transactions
Extra points in Mastercard More	Extra points in Mastercard More	Special catalog for car owners in Mastercard

Annual rate 34%

Minimum payment 5%

Convenient CA+ application

Issue and maintenance UAH 0

Free connection to GSM-banking

The loan term is 3 years with the possibility of extension

Comparison table

	CHIP/NFC	Monthly Service Fee Loan	Interest rate for the use of credit (annual)^[2]	Commission for withdrawing cash, card-to-card transfers. Charged from the withdrawal amount	Mastercard Rewards Program
Mastercard world ^[1]	+	free	34% / 36% (depending on the availability of a valid offer)	4%*	+
Mastercard world DriveCard Issued with a car loan	+	free	30%	4%	+

[1] The cost of issuing the card is free

[2] Real annual interest rate – from 34.52%

Maximum annual real interest rate – 43.26%

Internet Banking «i-Bank» – remote access to your products and the ability to conduct transactions with the accounts via the Internet at any time from any computer or portable device

GSM-banking - get monitoring of the movement of funds to your card account 24/7 (information on transactions via card, a reminder about regular payment, card expiration date, etc.).

Changing of limits - manage limits on cash withdrawals, cash payments or payments in the Internet using Internet banking or CREDIT AGRICOLE department.

Card to Card transfers - fast and safe transfer of funds to family and friends through the service instant transfers from card to card

You can receive a credit card, if:

Age between 25 and 60 (on the expiration date of the credit limit)

Your are employee with a work experience from 6 months at the same place

Documents for obtaining of cash loan:

Ukrainian passport

Taxpayer identification number

Income statement for the last 6 months

Mastercard Bilshe rewards program

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

Each time you pay with World Mastercard, Platinum and World Elite cards, you get scores which may be exchanged for gifts, airplane tickets or hotel bookings within the framework of the loyalty program.

More details

*For salary card holders - up to 300 000 UAH

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".

Contract and terms Tariffs Calculator About grace period Warning IDGF

Agreement, rules and other useful information

How to repay the loan

Tariffs for emission and servicing of CREDIT AGRICOLE payment cards

Tariffs for servicing of CREDIT AGRICOLE payment cards (issue terminated)

Calculator

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

How is the grace period for using funds calculated?

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

How is debt repayment?

To do this, it’s enough to pay off the debt until the last day of the month following the one in which you used the loan funds.

*Other than card to card transfers, grace period for them from the 2nd day of a month.

Early termination of the loan agreement at the initiative of the client is possible only by full early repayment of the loan and all payments under the agreement.

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" (in case of withdrawal from such an agreement the client pays interest for the period from receipt , established by the agreement, and performs other actions provided by the Law of Ukraine "On Consumer Lending" or the agreement).

In case of default by the client under the loan agreement, the bank has the right in the cases specified in the agreement to demand early repayment of payments on the loan (full early repayment of the loan) and compensation for damages caused by breach of obligation.

The Bank is prohibited from requiring the customer to purchase any goods or services from the bank or a related or related person as a mandatory condition for the provision of these services (except for the provision of a package of banking services).

The Bank is prohibited from increasing the fixed interest rate under the contract without the written consent of the client.

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 client has the opportunity to refuse to receive advertising materials by means of remote communication channels.

Individual Deposit Guarantee Fund