Pekao S.A. Credit Card: Discover How to Apply

The Pekao S.A. Credit Cards offer a range of benefits, from cashback rewards to travel perks, making them a popular and highly useful option in Poland.

If you’re looking to apply, the process is straightforward and can be completed online or in person at a branch.

This guide will walk you through the application steps and key details to help you get started.

Eligibility Requirements

Before applying for the Pekao S.A. Credit Card, make sure you meet the eligibility requirements. Here’s what you need:

• Be at least 18 years old (or 21, depending on the card type).
• Be a Polish resident or hold a valid residence permit.
• Have a stable source of income (e.g., employment, self-employment).
• Have a good credit score or credit history.
• Provide valid identification (e.g., passport, national ID).
• Submit proof of income (e.g., recent payslips or bank statements).
• Not be under any bankruptcy or debt restructuring procedures.

Step-by-Step Application Process

Applying for the card is simple and can be done online or in person. Follow these steps to complete your application:

Online Application:

1. Visit the official Pekao S.A. website.
2. Navigate to the “Credit Cards” section.
3. Choose the credit card type you wish to apply for.
4. Fill out the online application form with personal and financial details.
5. Upload required documents (ID, proof of income).
6. Submit your application.

In-Branch Application:

1. Find a nearby Pekao S.A. branch.
2. Visit the branch and consult with a bank representative.
3. Complete the application form at the branch.
4. Provide necessary documents (ID, proof of income, etc.).
5. Wait for the application to be processed.

Features and Benefits

The Pekao S.A. Credit Card offers a variety of features and benefits designed to enhance your financial flexibility. Here are the key perks you can expect:

• Cashback Rewards – Earn cashback on your everyday purchases, helping you save as you spend.
• Travel Benefits – Access discounts on travel services, including hotels, flights, and car rentals.
• Flexible Payment Options – Choose between paying your balance in full or over time with manageable interest rates.
• Contactless Payments – Make secure, quick payments with just a tap of your card.
• Exclusive Discounts and Offers – Enjoy special shopping, dining, and entertainment deals.
• Purchase Protection – Get protection for purchases made with your credit card, including fraud prevention and chargeback options.
• Insurance Coverage – Depending on the card type, benefit from travel, health, or rental car insurance coverage.
• Online Banking Access – Manage your account, track spending, and make payments easily via Pekao’s mobile and online banking platforms.
• Loyalty Program – Accumulate points that can be redeemed for rewards, discounts, or other benefits.

Costs and Fees

When applying for the card, it’s important to know the associated costs and fees. Here’s a breakdown of the most relevant charges:

• Annual Fee – The standard annual fee for the card ranges from 50 PLN to 250 PLN, depending on the card type.
• Interest Rate (APR) – The annual percentage rate for purchases typically ranges from 12% to 20%, depending on your creditworthiness.
• Late Payment Fee – A fee of 50 PLN is charged if the payment is missed or delayed.
• Cash Withdrawal Fee – A fee of 4% of the transaction amount, with a minimum charge of 10 PLN, applies for cash withdrawals.
• Foreign Transaction Fee – A 2% fee is applied for transactions made in foreign currencies.
• Overlimit Fee – If you exceed your credit limit, you may be charged a fee of 50 PLN.
• Replacement Card Fee – If your card is lost or stolen, a fee of 30 PLN is charged for card replacement.
• Balance Transfer Fee – A fee of 3% of the transferred balance may apply when transferring debt from another card.

Approval Timeline

The approval timeline can vary depending on the application method and individual circumstances. 

Here’s an overview of the typical process:

• Online Application – Usually processed within 3 to 5 business days after submission.
• In-Branch Application – Generally takes 5 to 7 business days for processing, with additional time for document verification.
• Credit Check – Expect a credit check to be completed as part of the approval process, which may take a few days.
• Approval Notification – Once approved, you will typically receive an email or SMS notification from Pekao S.A.
• Card Delivery – After approval, your credit card should be delivered within 7 to 10 business days, depending on your location.
• Application Status Updates – You can track the progress of your application online or by contacting customer service.

Credit Card Limits

Your credit card limit depends on your financial profile and credit history. Here’s a breakdown:

• Initial Credit Limit – The starting limit typically ranges from 1,000 PLN to 20,000 PLN, based on income and creditworthiness.
• Factors Affecting Limit – Pekao analyzes income, debt, and credit score to set your limit.
• Automatic Increases – Your limit may increase after several months of timely payments and good usage.
• Requesting a Higher Limit – You can request a higher limit through online banking or customer service, subject to approval.
• Credit Utilization – Using no more than 30% of your credit limit for better credit health is best.
• Overlimit Charges – Exceeding your limit may result in fees and impact your credit score.

Rewards and Loyalty Programs

The Pekao S.A. Credit Cards offer a rewards and loyalty program to help you earn benefits with every purchase. Here’s what you can gain:

• Cashback Rewards – Earn a percentage back on purchases, typically ranging from 0.5% to 2%, depending on the card type.
• Points Accumulation – Collect points for every transaction, which can be redeemed for discounts, gift cards, or travel-related benefits.
• Exclusive Partner Offers – Access special deals and discounts at partnered retailers and service providers.
• Bonus Points – Earn bonus points for specific purchases, such as those made during promotional periods or at selected stores.
• Travel Rewards – Redeem points or cashback for travel-related rewards like flights, hotel stays, and car rentals.
• Birthday Bonuses – Receive additional points or rewards during your birthday month as a special perk.
• Referral Program – Earn rewards by referring friends or family members who apply for a Pekao S.A. Credit Card.

Customer Support

Pekao S.A. provides multiple customer support channels to help you with any credit card-related questions or issues. Here’s how to get in touch:

• Phone Support – Call the Pekao S.A. customer service hotline at +48 22 534 60 00 for assistance, available 24/7.
• Email Support – Reach out via email for non-urgent inquiries at contact@pekao.pl.
• Live Chat – Use the live chat feature on the official Pekao website during business hours for immediate assistance.
• In-Branch Assistance – Visit any Pekao branch for in-person support. Find a branch near you on the Pekao website.
• Mobile App Support – Use the in-app help section for FAQs and troubleshooting guides.

Final Takeaways

The Pekao S.A. Credit Cards provide valuable rewards, flexible payment options, and exclusive benefits that can enhance your financial management. 

You can easily take advantage of these perks with a straightforward application process. 

Apply now through their website and start enjoying the benefits today!

Disclaimer

The information provided in this article is for informational purposes only and may be subject to change. 

Please refer to the official Pekao S.A. website for the most up-to-date details on eligibility, fees, and application procedures.