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Payment cards · Ukraine

PrivatBank Universalna ✓

Ukraine · Payment cards · Visa / Mastercard / EMV / Contactless / 3D Secure · Credit
CreditVisaMastercardEMVContactless3D Secure
Official site ↗
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★★★★★
0 reviews
Launch date—
Card typePayment cards
TechnologyVisa / Mastercard / EMV / Contactless / 3D Secure
Last verifiedAugust 2026

PrivatBank Ukraine's basic credit card, using both your own funds and a bank-approved credit limit; available as a physical card and as a Digital virtual card in Privat24. The image comes from PrivatBank's official product page; the actual design and payment network may vary by issue batch.

Travel & rewards

Earn flexibly and enjoy travel and everyday life

Understand points, protections and payment benefits from daily spending to travel bookings.

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Core benefits

Core benefits
✈Travel pointsEarn points on travel and dining
◇Welcome bonusEarn extra rewards after meeting requirements
↻Flexible redemptionRedeem for travel, gifts and more
◎International useDesigned for travel and international spending
▣Travel protectionTravel-related benefits and support
✓Payment securitySupports mainstream secure payment features

Key features

Key features
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Physical cardPhysical card supported
◉
Apple WalletAdd to Apple Wallet
G
Google WalletMobile payments supported
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RechargeableNot supported
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RefundableNot supported
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VisaVisa / Mastercard / EMV / Contactless / 3D Secure

Card information

CountryUkraine
Card typePayment cards
TechnologyVisa / Mastercard / EMV / Contactless / 3D Secure
CurrencyUAH
Physical card✓ Yes
Apple Wallet✓ Yes
Google Wallet✓ Yes
Rechargeable✗ No
Refundable✗ No

Fees

Free / No fee information

How to get it

From age 16 you can get a personal card without a credit limit; credit is available only to customers 18 or over who pass the bank's review. Apply online, open a Digital card in Privat24 or get an instant physical card at a branch.

Fee details

This card is free or fee information is unavailable.

How to get it

From age 16 you can get a personal card without a credit limit; credit is available only to customers 18 or over who pass the bank's review. Apply online, open a Digital card in Privat24 or get an instant physical card at a branch.

Where to use

Suited to everyday spending in Ukraine and abroad, online payments, transfers and instalments; cash withdrawals using credit funds carry tiered fees, so check the current rates before transacting.

Top-up methods

Deposit your own funds or repay credit card debt via Privat24, bank transfer, branches or the bank's self-service channels.

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Fees & rates

Fees & rates
Recommended credit scoreGood or above

Frequently asked questions

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How do I earn the welcome bonus?›

See the issuer's latest terms and application page for specific rules.

Which partners can receive transferred points?›

See the issuer's latest terms and application page for specific rules.

Is there a foreign transaction fee?›

See the issuer's latest terms and application page for specific rules.

How is the annual fee charged or offset?›

See the issuer's latest terms and application page for specific rules.