If a customer makes overdraft in both credit cards types, he/she has 30 days payment holiday. After these 30 days the client must decide how much money he/she wants to pay back in the first 10 days as a minimum payment. The rest is charged by 1,5% interest at the end of the month. Late payments are charged by interest rate of 29% each month.
VUB also provides credit cards for special clients (VIP): Diners Club Internacional and AMEX cards. Slovenská sporiteľňa
Other bank offering payment cards is Slovenská Sporiteľňa. This bank dispose with strong tradition in the Slovakia. Non-embossed Debit cards issued by this bank are: VISA Electron Euro<26, Maestro including chip, VISA Electron, VISA Classic, MasterCard Mass and exclusive embossed debit cards: VISA Gold and MasterCard Gold.

Non-embossed debit cards

VISA Electron Euro<26
This card is also known as a student card because it is designated for people in the age range from 15 to 26 years and is used as a student ID, too. To obtain this card, a current account in SLSP is needed. Daily limit for cash withdrawals is 15 000 SKK and for non-cash payments is 45 000 SKK. It is issued for 1 year period. Maestro with chip and VISA Electron
These are standard debit cards and a cardholder has to have an account in SLSP. They have the same limits as VISA Electron Euro<26 but its validity is 3 years. Bank offer travel insurance not only for cardholders but also for family members.

Embossed cdebit cards

VISA Classic and MasterCard Mass
Both standard embossed debit cards have daily cash withdrawal limit 30 000 SKK and non-cash payment limit 90 000 SKK. Their validity is 2 years and offer travel insurance also for family members abroad and additional services of IAPA and ECI.

Slovenska Sporitelna also issues credit cards and these are: VISA Excelent Classic, Silver, Gold and Diners Club.


VISA Excelent Classic
Client pays annual sum of 700 SKK. In this amount of money is counted charges for obtaining primary card and leading an account. Secondary credit card is obtained to the client after paid sum of additional 200 SKK. Credit limit period without interest is 40 days but standard interest on unreturned credit is 19 % and sanction interest is 28 %. VISA Excelent Classic has daily withdrawal limit of 30 000 SKK, 90 000 SKK on non-cash payments. Expiry period is 2 years. Conclusion
For choosing the best bank I observe several aspects which should be considered. VUB has more available credit cards for its customers they can choose from and there are also lower conditions.