VISA Gold Credit card | Raiffeisenbank

Visa Benefit Program

Enjoy lots of unique benefits and services to make your travel more enjoyable.

Attractive discounts

Thanks to the RB Club you will get many attractive discounts at merchants.

Year-round Travel Insurance

The insurance included with your card will protect you and your family.

Enjoy the benefits of Visa Gold credit card

You can use your credit card as a loan that is immediately available to you. You can use the bank's money up to a limit. If you repay the money during the interest-free period, which is up to 55 days, you do not pay any interest.

Limit up to CZK 500,000
The card fee CZK 199 a month

Get discounts at hundreds of retailers
The program RB Club gives you an opportunity to get discounts on purchases of goods and services. The program includes online shops as well as traditional stores all over the Czech Republic
Year-round travel insurance included in the price of the card
Year-round travel insurance protects not only you but also your family when you travel.
Benefits at Václav Havel Airport in Prague
Free entry to the FastTrack Lounge in Terminal 2. Wait for your departure in the airport lounge.
Nonstop Visa doctor on call
As a cardholder, you can use the Visa doctor on call service. You have three free phone consultations per month with doctors of different specialties.
Visa Assistance
The assistance service will take care of all requests and wishes, starting with the selection of a cleaning company, babysitting, help with organizing a family celebration, legal services, arranging a luxury holiday or a glamorous party, etc.

You don't have to worry about high interest rates.

Take advantage of our repayment plans. You can spread your credit card purchases over regular monthly payments at a better interest rate. For example, if you divide the amount you borrowed into 36 instalments, you can pay only 6.99% p. a.

What do I need to get a credit card? 

Age over 18  
Regular net monthly income of at least CZK 12,000
Have Czech citizenship or permanent residence or a residence permit in the Czech Republic 
A valid identity document 
Phone number and email contact

How long does it take to issue a credit card? 

If you are already a Raiffeisenbank client, you can process your application completely online.   

If you are not yet our client, we will process your application online and you can sign the contracts via Bank iD or at a branch.  

We will issue your card within minutes after you sign the contract. You don't even have to wait for the plastic card to arrive in the post, just load it into your mobile wallet and you can use it immediately. 

How do I find out when my new credit card will arrive and what to do if it doesn't arrive?

Three months before the card's expiration, we will notify you in mobile banking and display the address where we will automatically send the new card. You can change the address directly in the app – at least two months before expiration.

In the details of the new card, you will see the delivery status:

"We are working on producing the new card" – until it is handed over to Czech Post, we display the estimated delivery and delivery address. If it is a card renewal, we will also show the validity date of the original card.
"The new card is on its way to you" – from the moment it is handed over to Czech Post until the card is activated by the user.
"You should already have the card" – if the card has not been activated even after 14 days from sending. In that case, we will offer you the option to easily request a new one.

I received a new card, how to activate it?

Activate your newly issued credit card when it is delivered to you.

The card can be activated:

Online in Internet or Mobile Banking - click Activate in the card details. The first time you make a payment at a merchant, insert the card into the terminal and enter your PIN.

by first contact transaction at a merchant or ATM. Insert the card into the terminal or ATM and enter the PIN.

I lost my card or it was stolen. How do I block it?

If your card is lost or stolen, block it immediately in your Internet or Mobile Banking in the card details. Or contact our customer service line +420 412 446 402.

Credit card documents

The English webpage is only informative and does not represent a proposal to conclude a contract. The Agreement and related documents are always executed in the Czech language.

Price list Representative example