GOLD Card from PrivatBank

- Simple and fast issuing
- 1% per annum on your own assets balance
- Grace period – up to 55 days

Gold Card from PrivatBank for successful people

Universal Gold card is an international payment card from PrivatBank. It enables you to use both your own and credited money. Your relatives, friends or partners can transfer money to this card.

You can draw out money with you Universal Gold card at any point of the world and at any time.

Fees for Universal Gold card servicing

	Universal Gold card

Type of the card	Card of MasterCard international payment system
Issuance fee	Free of charge
Service fee (per year)	50 EUR (if any movements on the card)
Currency of the card account	EUR

Grace period	Up to 55 days (the grace period shall be effective if the credit is repaid until the 25th day (inclusive) of the month following the date of the debt incurrence)
Mandatory monthly payment	5% of the debt (not less than EUR 50 and not more than the debt balance)
Base interest rate on the debt balance (after the grace period expiration), per month	1%
Base interest rate on the private money balance (from EUR 100), per year	1%
Reissuance of the card	Free of charge
Penalty for the delayed repayment of credit and/or interest	Penalty = 1% ÷ 30 (it is charged for every day of delay in credit repayment) + EUR 5 every time when the delay in repayment of credit or interest for the amount exceeding 10 EUR occurs. Penalty = 1% ÷ 30 + 10 EUR every time when the delay in repayment of credit or interest for the amount exceeding 10 EUR occurs within the second consecutive month and more.
Withdrawal of private money in ATM and cash advance points in the Republic of Cyprus and abroad	Free of charge
Withdrawal of private money in PrivatBank ATM and cash advance points (Ukraine, Russia, Georgia, Latvia)	1 %
Withdrawal of private money in foreign ATMs and cash advance points	2%
Fee for withdrawal of credit money in ATMs and cash advance points in the Republic of Cyprus and abroad	3% (EUR 2.5 minimum)
Loading the card at the bank cash department without the card	Free of charge
Non-cash payment for the goods/services in trade outlets, Internet	Free of charge
Report on indebtedness/credit card statement	Free of charge
SMS-informing about money crediting and writing-off	Free of charge
Fee for non-cash payment in Privat24 system and at bank cash departments	3% against the credit limit, 0% against private money + commission fee for carrying out the transaction according to the terms of the Agreement with the recipient of money
Penalty for violation of the payment period (indebtedness on credit limit, interest, fees) by more than 30 days. The penalty shall be charged one time if you do not settle the overdue debt on credit within the following 60 days	50 EUR + 5% of the amount of total indebtedness on the credit, including the calculated and overdue interests and fees. Example: as of May 2, the delay of your debt on the card is 31 days. You did not repay the debt before July 2, so your total debt on the credit reached 520 EUR. You will be charged a penalty of 50 EUR + 26 EUR (5% of 520 EUR)
Procedure of the debt repayment when crediting the money to the card account	Penalties, fines, overdue commission fees, overdue interests, overdue credit, commission fees charged, interests charged, debt on the credit limit

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Advantages for Gold Card Owners

Bonus offers from MasterCard: 24-hour customer care service will help you settle all the issues related to lost or stolen cards, instant cash collection, addresses of ATMs that accept MasterCard, Maestro, Cirrus cards, etc. Additionally, you may enjoy discounts and bonuses when paying with MasterCard (more details can be found at www.mastercard.com);
Opportunity to use service Immediate issuing of cash or a new card at any point of the globe.

Grace period – up to 55 days

Universal Gold card from PrivatBank provides a grace period that allows you using credit money for free. In other words, if you pay the credit back within the grace period, you will not have to pay any interest for the period when you used money!

Universal Gold cards have a grace period for using the credit up to 55 days. It means that in order not to pay interests, you have to pay back your debt before the 25th following the month when you used the credit. day (inclusive) of the month following the month when you used the credit.