Mastercard Standard credit card

With the Mastercard Standard credit card you can dispose of the amount granted to you in the form of a revolving loan. This card will be your best companion not only when travelling, but also in everyday shopping or in a restaurant. Make your purchase practical, safe and carefree, and model your instalments yourself with your Mastercard Standard credit card.

Take the advantages we offer

Mastercard Standard credit card is fully adjusted to your needs as it provides:

  • flexible debt settlement - the expenses incurred may be settled in monthly instalments, on the date you choose as the due date: 10th, 20th or 28th of a month. The minimum monthly repayment is 5% of the incurred expenses, and if this repayment dynamics suits you, you do not even have to worry about payments because that amount is automatically charged to your current or foreign currency account each month. You can be issued a card even if you do not hold a current or a foreign currency account with OTP banka. If you do hold a current account with OTP banka, such account automatically becomes the primary settlement account, or the secondary settlement account, in case you choose your foreign currency account to be the primary one (which basically means that, in case there are no sufficient funds in your foreign currency account, any unsettled portion of the debt will be debited to your current account).Your payment can exceed the set minimum amount, or you can choose to repay the debt in full. You can make payments in respect of your revolving credit in all the Bank’s branches and via eLEMENT@ Internet banking and telephone banking.
  • revolving credit - the revolving credit is a type of credit that is replenished, and each payment towards credit settlement increases the amount available for further spending, i.e. the credit amount is renewed up to the approved credit limit. The revolving credit is granted swiftly and simply, you only need to submit the application for card issuing, and the time and amount you want to use will be up to you.


Modern shopping channels

The Mastercard Standard credit card enables you to shop on the Internet, via TV, via phone or catalogue, where all you are required is to type in the data from your card. With your Mastercard Standard credit card you can top up your mobile phones at OTP banka ATMS whatever the provider  (VIPme, Simpa, Tele2, Tomato or bonbon), whenever you need and at the same price as at other points of sale.


Card usage

Easy use

The Mastercard Standard credit card is simple to use, both on the points of sale and ATMs. When making a payment, you only need to show your Mastercard Standard credit card, type in your PIN* and take a receipt ccopy.

Before you type in your PIN, make sure you check the amount debited and the receipt copy.


Cash advance limits

Within the daily and monthly cash advance limits, and depending on the available balance and the total approved limit, you can use your card for cash withdrawals at ATMs and at banks bearing the Mastercard sign in the country and abroad. The daily card spending limit is capped at EUR 2.000 of which EUR 600 can be withdrawn at ATMs


Cost control

Sending of the statement of account to the provided e-mail address

Do you know that the information about the balance and turnover of your current, foreign currency or transfer account, or about the monthly costs charged to your credit or prepaid card can be sent to the e-mail address you provide? This service is free of charge and can be contracted in any OTP banka branch and or via eLEMENT@ Internet banking.

In order to provide you with a simple and effective cost control, once a month we will send you a statement of account specifying all the costs incurred. Even the payments you made abroad will be expressed in local currency on your monthly statement.

You can receive your monthly statement of account to your e-mail address free of charge if you contract the service via eLEMENT@ Internet banking or in your nearest OTP banka branch!

You can control the card usage very efficiently via OTPdirekt service where you can choose between eLEMENT@ Internet bankingtelephone banking or SMS info.

If you use eLEMENT@ Internet banking service, you can have an insight into the itemised costs, and do not need to have a hard copy of the statement delivered to your address. Of course, at your request, the itemised statement can be delivered to any address you choose.

Telephone banking provides an overview of costs and card information via answering machine or the Contact Centre.

The  SMS info service provides the options of SMS control of bank card use and SMS replies to your inquiries.

  • SMS control of bank cards

When your credit card is used, the Bank will notify you immediately by sending an automatic SMS containing the information about the authorisation of a cash withdrawal transaction at an ATM or payment of goods at a point of sale. This way you can efficiently control own expenses, but also detect possible unauthorised usage of your card in the shortest time possible.

  • SMS at request (interactive SMS)

This service provides access to information at own SMS request. Just send an SMS request if you urgently require information about the turnover on your accounts, applicable exchange rate, authorised and current limits on your credit cards, balance of your units in investment funds, number of unused cheques, information on your time deposits, IBAN, or if you are interested in the general data about the Bank.


Interest paid on revolving credit

The interest on the revolving credit is accrued for the utilised revolving credit amount only.

Interest is not accrued for the purchases made in the current accounting period, i.e. the period lasting one month, between two revolving credit accounting dates (the last and the upcoming one).
Interest on cash withdrawals is accrued from the date such transaction has been recorded in the Bank until the day it is settled.

The amount of accrued interest is reported in the itemised invoice information and is fully included into the minimum revolving credit amount to be repaid monthly.


According to EU Regulation 518/2019, the cardholders have insight into the calculation of the amount to be debited in the card currency in case of the transactions they made at cross-border retailers (including ATMs and cash dispensing machines) from the European Economic Area (EEA) and in foreign currencies from EEA, the authorisation for which is received by the Bank, and can compare it against the exchange rate of the European Central Bank (ECB). The exchange rate value date applicable upon posting will be the transaction date, that is, the date the bank receives the authorisation. Namely, the value date is determined based on the authorisation receipt date, which means that such transactions are recorded on the bank’s system once the authorisation has been received (for other transactions it transpires that they are recorded once the related financial transactions have been received).


How to become a cardholder

If you would like to become a Mastercard Standard credit cardholder,  familiarise yourself with the General Terms and Conditions of Issuance and Use of Mastercard Standard credit card, fill in an application and visit the nearest OTP banka branch
Alternatively, you can submit an application for Mastercard Standard credit card also via OTPdirekteLEMENT@ Internet banking.

Additional cardholder

Reliability and security you experience in managing of your finances with the Mastercard Standard credit card can easily be extended to your loved ones. All the expenses incurred with the additional card can be controlled the same way as those incurred with your own card, which is most efficient if you use OTPdirekt.