UniCredit Business Credit Card

• The credit card can be used at points of purchase bearing the MasterCard logo, ATM machines and bank branches in Hungary and abroad for payment and cash withdrawals alike. Cash may be withdrawn in the amount of 50% of your credit limit.
• The collateral for the Business Credit Card is your company’s credit limit which the Bank determines based on the credit rating of your company.
• You have only to apply for the credit limit once; the amount used from the credit limit and repaid can be used again and again.
• Transactions conducted with the credit card are interest free for a maximum of 45 days if your company uses the Business Credit Card for purchases only and repays the entire amount due by the deadline.
• In case of a debit bankcard, you can spend only from the credit balance of your bank account, with a credit card you can settle your debt later, while your credit balance bears interest.
• Your company only has to make the minimum repayment by the last day of the grace period. You can freely choose the date and amount of payment for the remainder of the utilised limit.
• You can use the automatic repayment service of the bank for the repayment of the minimum amount or the total amount of your used balance from your UniCredit bank account.
• All of your employees can apply for a Business Credit Card in order to take advantage of the credit limit at your company’s disposal. Your company’s employees can freely use the credit limit approved for your company for purchases and cash withdrawals in Hungary and abroad.
• Different monthly limits can be set for Business Credit Cards issued to your company’s employees up to the total amount of the credit limit.
• With the help of the account statement sent by the Bank on the settlement date, your company can keep precise track of the purchases and cash withdrawals made by your employees during the given period.
• UniCredit Bank’s SMS service is available upon request for all Business Credit Cards. This helps you to make use of the card even more secure as your employees can immediately be notified in the form of a text message of all transactions conducted with their Business Credit Cards. All booked transactions conducted with Business Credit Cards can also be monitored through the SpectraNet Internet bank system.
• With the travel insurance provided as part of the UniCredit Silver and Gold Business Credit Cards, your company’s employees can travel safely to every country in the world. The UniCredit Gold Business Credit Card also comes with domestic accident insurance.
• The credit card will be blocked by the Bank immediately after the Cardholder’s notice to the Bank; and the Bank provides you a replacement card free of charge in Hungary.
• Protection against unauthorized use of the credit card: when purchasing on the Internet, after entering the usual card data, the Bank sends a unique code (internet security code) via SMS to the phone number provided by the Cardholder and the Cardholder must enter it in the pop-up window.

You can apply for an unlimited amount of Business Credit Cards for your employees to the company’s credit limit. UniCredit Bank determines the approved credit limit based on the company’s annual turnover.
The entire credit limit is available to the company without any availability fee until it is completely used up. Furthermore, in the event of partial or full repayment, the credit limit will become available again each time, up to the repaid amount.