Credit Cards

Mastercard Gold credit card

Terms and conditions

Receive an eMAG voucher worth 20.000 HUF with your new credit card if you meet the conditions*
Fast Track Security Lane at Liszt Ferenc Airport
With international travel insurance
Card+ Discount Program is offering shopping discounts

APPLY NOW!

Mastercard Platinum credit card

Terms and conditions

Up to HUF 48,000 cash-back / year**
Mastercard lounge and Fast Track Security Lane at Liszt Ferenc Airport
With international travel insurance
Card+ Discount Program is offering shopping discounts

APPLY NOW!

Mastercard Blue credit card

Terms and conditions

With a 1% cash-back**
With international travel insurance
Embossed and contactless
Card+ Discount Program is offering shopping discounts

APPLY NOW!

Credit cards

Card features

Issuer fee*
APR
Travel insurance
Credit line available for application

Card features

Issuer fee*
APR
Travel insurance
Credit line available for application

Card features

Issuer fee*
APR
Travel insurance
Credit line available for application

Interested in more details?

Learn more about credit cards and related services

While you spend money from the funds available on your bank account in the case of debit cards, in the case of credit cards we provide you with a personalised credit line that you can use with your credit card. You can freely decide when to repay the credit line used depending on your momentary financial position as described below. After the repayments, your credit line becomes available again and again.
You can monitor your credit card spending electronically in UniCredit’s eBanking system, via the UniCredit Mobile Application and in the monthly postal statements. Click HERE for details about the credit card transaction statement.

What you need to know about repayment

If you have used your credit card only for purchase transactions, your card use may be fully interest free. The only thing you need to do is to fully repay the credit line used after the closing date, but no later than the last day of the grace period. The credit line used includes your total debt during the period: all credit card transactions executed and settled, as well as any related fees and interests.
If you are unable to repay the debt in full, you need to pay at least the minimum amount in order to avoid late payment. This amount is 5 percent of the full debt on the closing date of the settlement period but at least HUF 5,000. If the total amount of your spending is less than HUF 5,000, you need to repay the full amount used. The amount must be credited to your account after the closing date but no later than the last day of the grace period.
If you do not repay the full amount in the given month, interest will be charged on your outstanding debt and on your debt outstanding prior to the repayment (calculated from the booking date of the transactions) until they are repaid in full.

How can you repay your credit line?

by way of an automatic collection order from your account held with UniCredit Bank,
by way of a book transfer from an account held with UniCredit Bank,
by way of a credit transfer from an account held with another bank,
by way of cash payment through a UniCredit ATM,
by way of a cash deposit at the cash desk of any UniCredit Bank branch.

In the case of blue credit cards, a maximum of 1.500 HUF can be refunded per billing period. The maximum amount of cashback available per year is 18.000 HUF.

How does the cash-back offer work?

after a purchase of at least 20.000 HUF in a given billing period;
after each purchase transaction, based on the booked amount of the transaction, the cashback amount is 1 HUF for every 100 HUF;

Remember:

Betting and gambling-related transactions executed by way of card data provided via merchants’ POS terminals, online interfaces or over the phone, cash withdrawal transactions, other transactions related to credit transfers and financial services and fee and interest charges debited by the Bank to the credit card account do not qualify as purchase transactions.

Another condition of the cash-back program is that no late payment or overdue debt may be recorded on the relevant credit card account on the closing date.

In calculating the amount of the cash-back, the Bank takes the booked HUF amount of the purchase transaction into account.

Credit transactions booked by the Bank on the credit card account originating from cash desk deposits, ATM deposits or credit transfers (e.g. subsequent crediting of incorrectly booked items) reduce the total amount and number of transactions taken into account in the calculation of the cash-back amount with respect to the transaction booked for the relevant cycle.

Crediting the cash-back amount

The cash-back amount calculated based on the purchase transactions booked in the relevant settlement period is credited by the Bank to the Primary Cardholder’s credit card account as a lump sum on the closing date.

This information is not all-inclusive. Detailed information on the cash-back is available in the document entitled List of Conditions – for Credit Card Holder Private Clients.

Good to know:

You can pick up your new credit card upon contract conclusion at any UniCredit branch; the initial activation of the credit card is performed in the branch. You can activate your renewed credit cards via with PIN code validated transactions or via UniCredit ATMs.
Please block your card immediately if it is lost or stolen to protect it from unauthorised usage. In such cases, please call +36 (1/20/30/70) 325 3200 and we will replace your credit card free of charge.
Remember that the Bank automatically charges interest on credit card cash withdrawals.
You can now also settle the balance of your credit card through the UniCredit Mobile Application.

When travelling abroad
Mastercards are accepted at more than 36 million acceptance points worldwide, enabling you to access your funds at numerous destinations across the globe.
As opposed to cash payments, you can monitor your card spending both through the internetbank or Mobil application option and through your next monthly bank account statement after your return.
Download the Mastercard Travel Tips application to your smart phone to access detailed information on the payment and card use habits of popular international destinations. Equipped with a 17-language talking dictionary, currency converter and other practical functions, the application can be downloaded free of charge from the App Store to iPhones and from Google Play to Android smart phones. In the application, you can find a list of the phone numbers to call for blocking your card, save the address of your accommodation and even monitor your travel expenses with the help of the travel expense registry function. Click for details

Check out our Lists of Conditions and General Terms and Conditions for information on the exchange rates applied on a given day for international card payments and cash withdrawals and on the potential costs of cash withdrawals (branch and ATM) and other banking transactions.

You may now apply for a credit card with a monthly net income equivalent to the prevailing gross minimum wage.

In order to file your credit card application, please present the following documents at your nearest UniCredit branch:

personal identification document (one of the following documents: personal ID card, passport or driver’s license);
tax ID;
official address registration card (address card);
income certificate:
- for employees: certificate of employment not older than 30 days, using the Bank’s form;
- for pensioners: NYUFIG (Pension Disbursement Directorate) certificate and pension disbursement slip;
- for entrepreneurs: income certificate issued by the National Tax and Customs Administration;
- if the source of income is the applicant’s own company: clearance certificate issued by the National Tax and Customs Administration. If the company is listed in the database of taxpayers free of public dues, the certificate is not necessary.
If you have an account with another bank, a certified copy of the original account statement or e-statement for the last two months, or an e-statement with electronic signature, or an account statement printed on our Bank’s terminal.
Employer's Certificate
Downloadable Employer’s Certificate PDF
Employer’s Certificate
Credit card application form
Credit card agreement

Mastercard Premium Selection program
With your Gold or Platinum card, you can take advantage of a continuously updated range of high-quality preferential offers available to Mastercard Premium Cardholders. Register free of charge.

Airport promotions

With your Gold or Platinum card, you can use the Fast Track Security Lane free of charge at Liszt Ferenc International Airport.

Use your Platinum card to enter the Mastercard Lounge at Liszt Ferenc International Airport or the Sky Lounge, Jet Lounge and Air Lounge at Vienna Airport free of charge.

Click here for further details and conditions.

Representative example for the Mastercard Gold credit card:

For the UniCredit Gold credit card projected onto a credit line of HUF 600 000. The monthly fixed credit interest to be charged is 2.28 %. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 600 000 and a term of one year, the APR is 40,73%. If you accept a credit card with a credit line of HUF 600 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 30 000, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 181 624, while the total estimated amount payable by the client: HUF 769 325, which includes HUF 163 monthly closure fee, card membership fee: HUF 10 336, card issuer fee is HUF 6000, purchase comission 0,3%, max 6000 HUF beside the interest.

Representative example for the Mastercard Platinum credit card:

For the UniCredit Platinum credit card projected onto a credit line of HUF 750 000. The monthly fixed credit interest to be charged is 2.28 %. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 750 000 and a term of one year, the APR is 41,88%. If you accept a credit card with a credit line of HUF 750 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 37 500, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 230 838, while the total estimated amount payable by the client: HUF 958 856, which includes HUF 0 monthly closure fee, card issuer fee is HUF 0, card membership fee: HUF 19 732, purchase comission 0,3%, max 6000 HUF beside the interest.

Representative example for the Mastercard Blue credit card:

For the UniCredit Blue credit card projected onto a credit line of HUF 375 000. The monthly fixed credit interest to be charged is 2.28 %. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 375 000 and a term of one year, the APR is 40,35%. If you accept a credit card with a credit line of HUF 375 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 18 750, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 112 967, while the total estimated amount payable by the client: HUF 481 668, which includes HUF 163 monthly closure fee, card issuer fee is HUF 0, card membership fee: HUF 5 011 purchase comission 0,3%, max 6000 HUF beside the interest.

Make a responsible borrowing decision

Our documents Responsible Lending and Banking Terms and Definitions may help you receive information about our credit products, and the website of the Financial Consumer Protection Centre of the National Bank of Hungary offers product descriptions that support responsible decision making and apps that allow comparisons. Please make a responsible and prudent borrowing decision, taking your income situation into account.

This information is not comprehensive and does not constitute an offer to conclude a contract. The rules and conditions of credit card use are set out in the Bank’s General Terms and Conditions and Bank Card Terms and Conditions, while the detailed terms and conditions – such as the interest and fee components of the credit card – are presented in the document “List of Conditions for Credit Card Holder Private Clients”. The Bank reserves the right to amend its terms and conditions and – based on credit card applications and the documents submitted – the right to decide on the issuance of the credit card and the determination of the credit line based on its own credit assessment, in accordance with the provisions of its prevailing List of Conditions, General Terms and Conditions and Bank Card Terms and Conditions.

The APR has been determined by taking into consideration the prevailing terms and conditions as well as the applicable legislation, and the rate may be modified if conditions change. For loans with variable interest rates, the value of the APR does not reflect the interest rate risk of the loan.

^*The Card Issuer’s fee shall be waived on a promotional basis or the abovementioned reduced fee shall be charged in the case of UniCredit Platinum credit cards if the client has accepted the credit card offered with a pre-defined credit line on the basis of UniCredit Bank Hungary Zrt’s own, simplified credit assessment, submitted his/her application accordingly, and concluded a credit card agreement for the given card. The promotion is valid until further notice.

^**Click here for details on the cash-back offer and on the conditions of crediting the cash-back provided in the case of retail credit cards until the promotional offer is withdrawn.

This information is not comprehensive and does not constitute a contractual offer. The rules and conditions of credit card use are contained in the bank's General Business Terms and Conditions, Bank Card Business Regulations, the detailed conditions, including the interest and fee elements of the credit card, are contained in the document "List of Conditions for Retail Customers Holding Credit Cards". The bank reserves the right to change the conditions and the right to decide on the issuance of the credit card and the establishment of the credit limit based on the credit card application and the submitted documents, in accordance with the provisions of the current List of Conditions, General Business Terms and Conditions and Bank Card Business Regulations, based on its own credit assessment.

The APR was determined taking into account the current conditions and the relevant, effective legislation, and its amount may change if the conditions change. In the case of variable interest rate loans, the APR value does not reflect the interest rate risk of the loan.

*The promotion entitled “20,000 HUF eMAG voucher for a new credit card” is open to customers who fully meet all of the following conditions: they apply for a new retail credit card from the Bank between 01.07.2025 and 31.05.2026 and conclude a contract by 30 June 2026 (excluding any modification of the existing credit card contract aimed at modifying the existing credit limit or otherwise).

Conditions for credit cards applied for from 01.07.2025:

they use their credit card for purchase transactions at least 5 times by the end of the second calendar month following the month of conclusion of the contract, and the transactions are recorded by the Bank by the above date, and the customer fulfills their minimum monthly repayment obligation without delay during the relevant Grace Period until the 3rd calendar month following the month of conclusion of the contract.

Conditions for credit cards applied for before 01.07.2025:

by the end of the calendar month following the month of contract conclusion, they use their credit card for purchase transactions at least 5 times and the transactions are booked by the Bank by the above date, until the 3rd calendar month following the month of contract conclusion, the customer fulfills the minimum monthly repayment obligation every month during the relevant Grace Period without delay.

Participation in the promotion is automatic if the above conditions are met. Customers applying for a new credit card who have or previously had a credit card agreement with the Bank concluded after 01.01.2024 do not participate in the promotion.

If all of the above conditions are met, the Bank will send the HUF 20,000 voucher to the customer by SMS or email by the last banking day of the 4th calendar month following the month of contract conclusion. A Customer is entitled to a voucher worth HUF 20,000 only once. The detailed conditions related to the HUF 20,000 credit can be found in the following announcement: ANNOUNCEMENT AND PARTICIPATION CONDITIONS RETAIL CREDIT CARD PROMOTION. Only transactions booked by the bank are counted in the 5 transactions. There may be a few business days difference between the transaction date and the booking date. Details can be found in the announcement Order Execution Procedure.

** For details of the cashback promotion provided until withdrawal for retail credit cards and the terms of the credit, click here.

Mastercard Gold credit card

Mastercard Platinum credit card

Mastercard Blue credit card

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UniCredit mBanking
Put your bank in your pocket!