Verdict
Basics are close: RRSO ING 19.5%, Pekao 19.9%. Cashback: ING 1% on everything, Pekao up to 2% on selected categories (transport, e-commerce, restaurants). For spread spenders ING; for category-heavy spenders Pekao wins.
Minimum income: ING 4 000 PLN net, Pekao 4 500 PLN net. Practically a small gap. A new client without history gets an initial limit of 3–8 000 PLN at both, raised after 6–12 months of active use.
Terms compared
| Product | ING Bank Śląski | Bank Pekao SA |
|---|---|---|
| Maximum limit | 80 000 PLN | 80 000 PLN |
| RRSO on balance | ✓ 19.5% | 19.9% |
| Cashback | 1% on everything | ✓ up to 2% on selected categories |
| Minimum income | ✓ 4 000 PLN net | 4 500 PLN net |
| Annual fee | ✓ 90 PLN (waived with activity) | 120 PLN (waived with activity) |
Fits for
ING Bank Śląski
- ING active-account clients
- Spread spenders — 1% on everything
- Clients with lower income (4 000 PLN)
Bank Pekao SA
- Pekao active-account clients
- Category-heavy spenders (up to 2% on transport, e-commerce, restaurants)
- Karta Dużej Rodziny — subsidies and perks
Frequently asked questions
Which bank has a cheaper credit card?+
ING marginally: RRSO 19.5% vs 19.9% Pekao, annual fee 90 PLN vs 120 PLN. But the gap is practically small.
Which bank has better cashback?+
Pekao for category-heavy spenders (up to 2% on transport, e-commerce, restaurants). ING for spread spenders (1% on everything).