Informational English translation. The legally binding version of the site is in Polish. The loan application takes place in Polish under Polish consumer credit law. View Polish version →
Compare Polish banks and KNF-registered lenders. Takes less than a minute.
Compare

Credit card

Compare credit cards with interest-free grace periods, cashback and points programs. Check RRSO, annual fees and terms.

Representative values · verify with the lender before signing

Is a credit card worth it?

Yes, if you pay the full balance every month. You get 54–58 interest-free days, you build BIK history, and many cards give back 1–5% on spending in selected categories.

No, if you only pay the minimum. RRSO on the carried balance reaches 18–20%, which is one of the more expensive forms of debt on the Polish market. The line between these two outcomes is set by your discipline, not by the card.

Honest tip: start with a no-annual-fee card and a low limit (ING and mBank are obvious picks). Use it every month and pay it off in full at the close of each cycle. After six months of clean behaviour you can ask for a higher limit.

  • ✓Typical interest-free period: 54–58 days
  • ✓Cashback: 1–5% in selected categories
  • ✓No annual fee: a sensible starting point
  • ✓Minimum payment only = RRSO 18–20%

Frequently asked questions

How does the interest-free period actually work?+

If you clear the full balance between the statement date and the due date, you pay no interest in that cycle. A partial payment means interest accrues from the first transaction.

What's the catch with 0% instalments?+

They are „0%" only if you pay every instalment on time, to the end. Miss once, and interest comes back at the card's full RRSO.

Does my card affect my BIK?+

Yes, continuously. On-time payments build your score; 30 days late pushes it into the red.

Have a look before you commit

Compare