Verdict
Card limit: PKO Platinum up to 100 000 PLN, mBank Visa Platinum up to 60 000 PLN. For high-income clients (15 000 PLN+ net) PKO offers a higher limit; for lower-income clients the gap is marginal, both cards in similar range.
RRSO on balance: PKO 20.5%, mBank 19.5%. Cashback and loyalty programmes differ in detail — PKO offers 3% cashback on selected categories (fuel, restaurants), mBank 2% on everything. For fuel-heavy clients PKO wins; for spread spend — mBank.
Terms compared
| Product | PKO Bank Polski | mBank |
|---|---|---|
| Maximum limit | ✓ 100 000 PLN | 60 000 PLN |
| RRSO on balance | 20.5% | ✓ 19.5% |
| Cashback | 3% on selected categories | 2% on everything |
| Minimum income | 5 000 PLN net | ✓ 3 500 PLN net |
| Annual fee | 150 PLN (waived with active use) | ✓ 80 PLN (waived with active use) |
Fits for
PKO Bank Polski
- High-income clients hunting the highest limit
- Heavy fuel and restaurant spenders (3% cashback)
- Long-term PKO BP relationship clients
mBank
- Spread-spend clients — 2% on everything gives more
- People valuing lower annual fee and minimum income
- Digital mBank full-profile clients
Frequently asked questions
Which bank offers a higher card limit?+
PKO Platinum up to 100 000 PLN, mBank Visa Platinum up to 60 000 PLN. For high-income clients PKO wins.
Which bank has better cashback?+
Depends on spend profile. PKO 3% on selected categories (fuel, restaurants). mBank 2% on everything. For spread spend mBank gives more.