Payment cards · Ukraine
PrivatBank Universalna Gold ✓
Ukraine · Payment cards · Visa / Mastercard / EMV / Contactless / 3D Secure · Credit
CreditVisaMastercardEMVContactless3D Secure
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★★★★★
0 reviews
Launch date—
Card typePayment cards
TechnologyVisa / Mastercard / EMV / Contactless / 3D Secure
Last verifiedAugust 2026
The Gold version of Universalna, available as a physical or Digital card with Gold customer service, using your own funds and an approved credit limit. The image comes from PrivatBank's official product page; the actual design and payment network may vary by issue batch.
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▣
Physical cardPhysical card supported
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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
IssuerPrivatBank
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
Apply via Privat24, PrivatBank's website or a branch. Gold eligibility, the credit limit and availability to certain non-resident customers are decided by the bank.
Fees & rates
Fees & ratesRecommended credit scoreGood or above
Frequently asked questions
View all →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.