Types of payment cards

VISA Classic Petrol, VISA Electron Petrol, VISA Business Electron Petrol

VISA Classic Petrol

VISA Electron Petrol

VISA Business Electron Petrol

VISA Road Card is a co-branded card issued by Finance and Credit Bank jointly with the "Ukr-Petrol" filling stations network. VISA Road Card gives its holders an possibility to use the Bank's standard services, such as payment card issue and servicing, card account maintenance as well as an additional bonus that you get every time you pay by the co-branded card for fuel in the “Ukr-Petrol” filling stations network. This bonus comes in the form of a guaranteed discount of 3% for purchasing any type of fuel.

VISA Electron Instant Issue

The VISA Electron Instant Issue card is a non-personalised payment card of international class, which is issued free of charge to a client, resident of Ukraine, within 20 minutes from his/her application to the Bank branch. The card account currency is UAH or USD. The card is accepted in all trade outlets, ATMs, cash withdrawal points that bear a VISA International payment system logo. Tariffs

VISA Domestic

The VISA Domestic payment card is intended for servicing in all trade outlets, ATMs and cas withdrawal points on the territory of Ukraine. This is a multi-currency card account in UAH and USD.

VISA Electron & Maestro

VISA Electron and Maestro are debit cards of the international payment systems, available for a wide range of customers. The cards are meant for use in all trade outlets, ATMs and cash withdrawal points around the world. VISA Electron and Maestro payment cards are issued in EUR as a single currency card or in UAH and USD as a multi-currency card.

VISA Classic & Master Card Mass

VISA Classic and MasterCard Mass are the most universal payment cards with the widest international acceptance, they are an optimum balance of cost and quality. The cards are meant for use in all trade outlets, ATMs and cass withdrawal points around the world. VISA Classic and MasterCard Mass cards allow their holders to pay for goods and services in the Internet-shops, make orders by mail and telephone (book hotels, airline tickets, rent cars, etc.). VISA Classic and MasterCard Mass payment cards are issued in EUR as a single currency card or in UAH and USD as a multi-currency card.

VISA Gold & Master Card Gold

VISA Gold and MasterCard Gold are prestigious payment cards indicating the status of their holders and are the guarantee of special attention when being serviced. The cards are meant for use in all trade outlets, ATMs and cash withdrawal points around the world. VISA Gold and MasterCard Gold cards allow their holders to pay for goods and services in the Internet-shops, make orders by mail and telephone (to book hotels, airline tickets, rent cars, etc.). VISA Gold and Card Gold Mass payment cards are issued in EUR as a single currency card or in UAH and USD as a multi-currency card.

VISA Platinum

The international payment card of elite class ensures the privileged service and is the recognition of its holder's high social status as well as his high solvency.

Every VISA Platinum card holder is offered at his/her disposal the following:

A personal manager who services the client on an individual basis and exerts control over the way the other Bank's subdivisions provide their services, which are maintenance of the client's payment cards and a number of other bank services, with a view to ensuring the appropriate service and the most productive assitance in emergency cases
The card credit limit at favourable conditions with the possibility to change it
The insurance policy required for travelling abroad
The possibility of opening additional cards in your own name and in name of authorized representatives at favourable conditions
Discount cards and additional service cards that guarantee discounts off the price when booking accommodation in the world’s best hotels, eating out, buying airplane tickets, renting a car as well as in super stores, beauty shops and in many other places of service industry
The EMERGENCY Card is a service of an urgent card reissue in case it was lost, stolen or damaged while abroad.

Besides that each card holder is connected to the "Conceirge Desk" service that is your personal assistant in tackling everyday tasks of a modern person and that is meant to conserve your precious time for more pleasant things.

You can get a consultation or help, that saves your time and money, in solving and arranging the following areas:

Recreation and entertainment (recommendation, booking, renting and many other services)
Travelling (booking, scheduling, arranging transfers, ordering excursions, planning an itinerary and many other services)
Family (recommendations of recruiting domestic staff, advice in choosing an educational establishment, delivery of flowers, food products, other goods, a personal shopper, insurance and many other services)
Cars (selecting a car dealer, car maintenance, parking, calling out a tow truck, repair work, emergency petrol delivery, information on petrol stations and the like)
Beauty and health (information on hospitals, selecting a fitness center, appointment in the SPA salon, ordering a sauna, cosmetic services, consultaion of a nutritionist, selecting a personal fitness instructor)
Business (recommendations on planning business trips, access to the VIP lounge, deputy lounge, laggage tracing, selecting a conference hall, recruiting a guide and interpreter, reference information)
Wine service (consultation of a professional sommelier, wine collection service, rare wines search, arranging tours of wine making regions)
Household (arranging cleaning service, the service of a florist, a landscape designer, gardener, dry cleaning service and other personal domestic services, appliances repair, calling out a service person, emergency unlocking service)
Providing encyclopaedic data and information from various reference books

VISA Classic in British pounds

This card is intended for clients who make frequent business or private trips to Great Britain and actively use their payment card for settlements in this country.

Due to unique pecularities of this product – no currency conversion when carrying out transactions in GBP – transactions in GBP through the account are presented in the currency in which they were effected without any fees and conversion, which allows its holders:

not to waste money on currency conversion.
to know the exact amount to be debited from the account at the time of effecting a transaction (there is no need to have reserve money resources to cover the difference in the currency rates which may arise due to currency market fluctuations)

The account is opened in GBP which enables the card holder to credit the unused during a trip to Great Britain funds to the account and receive an additional income for safekeeping them in the bank

If there is no need to store funds in GBP in Ukraine, it is possible to withdraw the money in UAH in any ATM machine or a payment terminal in Ukraine

Inspite of the unique character of the product in Ukraine, the tariffs for issuing this card do not differ from the tariff of issuing other cards of the same type.

Apart from that this card has a standard set of characteristics and benefits of a VISA Classic card

it is a fully functional international card of business class that allows its holders to effect all possible transactions without acquirers' restrictions on the card type, which means it is accepted in all points-of-sale, ATMs and cash withdrawal points not only in Great Britain but all over the world
it allows its holders to pay for goods and services through the Internet shops, make mail and telephone orders (such as booking hotels, airplane tickets or renting cars etc.)
it is a safe way for cash settlements and safekeeping money
there is no need to declare the funds credited to the card account when crossing the border – it is enough to verbally declare the availability of the card when passing the customs
it ensures access to money round-the-clock 7 days a week, which can prove very useful when visiting night clubs, restaurants and other recreation facilities
it gives a possibility to transfer funds to the card any time
the chipped card validity period is 3 years
the card account currency is British pounds sterling
each card holder automatically becomes a mermber of the Bank's discount programme
it also gives its holders a chance to participate in the Bank's additional actions.

Accompanying services: instant replenishment of the card through the payment terminal; regular standings; card to card money transfers; SMS-banking; issuing a mini-statement on the card account.

You can find the tariffs for issue and maintenance of VISA Classic payment card in GBP here.

MasterCard Selective

Finance and Credit Bank joinly with MasterCard presents a unique payment card MasterCard Gold SELECTIVE and an exclusive collection of privileges to it. This card aims to meet the needs of Ukrainian MasterCard premium cards holders. The MasterCard SELECTIVE collection was created for well-off Ukrainians who value their status, luxury and high living standard.

This card will subtly accentuate your status and taste and take you to the world of gifts from your favourite brands, exciting travelling and exclusive offers from the programme partners among whom are sophisticated restaurants, elite stores and recreation centers. You can get the full list of the programme partners on the web-site www.mastercard.ua.

Besides that each holder of MasterCard SELECTIVE payment card is connected to the "Conceirge Desk" service that is your personal assistant in tackling everyday tasks of a modern person and that is meant to conserve your precious time for more pleasant things.

Within the "Conceirge Desk" service you are offered the following benefits:

Booking, buying and delivery of airplaine and train tickets
Providing information on airplane, train, bus shedules
Ordering and booking hotels all across the globe
Arranging transfers, renting cars
Seaching for pharmaceutical products
Providing excessive infromation on life and health insurance service, insurance companies offering the best price and quality balance in the market that perfectly fit to your high demands
Booking tickets for your rest in cinema-houses, night clubs, theaters, concert halls and sport events
Providing information on hospitals Ïðåäîñòàâëåíèå èíôîðìàöèè î áîëüíèöàõ, îçäîðîâèòåëüíûõ öåíòðàõ
Providing informational business reference data
Calling out a tow truck and maintenance service
Seeking addresses and phone numbers of various establishments, organisations and companies
Providing reference books data

Apart from that, MasterCard Gold SELECTIVE card has a standard set of characteristics and privileges of MasterCard Gold payment card.
You can find the tariffs for issue and maintenance of MasterCard Gold SELECTIVE card here.

Awesome Flight Card

The Awesome Flight Card is a new co-branded payment card from Finance and Credit Bank and the Ukraine International Airlines company.

Would you like to get tickets at a discount?
Or get an upgrade from economy class to business class?
Do you mind receiving an award ticket?

Finance and Credit Bank jointly with UIA's Panorama Club loyalty programme offers you a chance to enjoy these privileges that come with exclusive VISA Classic and VISA Gold credit and debit payment cards!

By ordering an "Awesome Flight Card" you automatically become a member of Panarama Club that is a programme for regular UIA passangers.

Pay by your co-branded payment card for any goods or services and earn 1 bonus mile for each 12 UAH¹ paid with the card.

Collect miles and exchange them for:

free tickets from UIA and its partner airline companies: Austrian Airlines, Swiss International, KLM, Air France, TAP Portugal, Etihad Airways
up to 60% off the ticket prices
business class flights at the price of ecomony class.

Panarama Club conditions

Order your card by May 31, 2011, and receive 3 months of free card maintenance and greeting miles² from Finance and Credit Bank:

500 bonus miles when ordering a VISA Classic card
1000 bonus miles when ordering a VISA Gold card

Give your preference to a credit card to enjoy the following benefits:

credit limit of up to UAH 15,000
up to 60 days of favourable³use of credit funds
international travel insurance for VISA Gold card holders.

Terms of crediting

	Card class
	VISA Classic	VISA Gold
Card validity period	36 months
Credit currency	UAH
Maximum credit limit amount	10,000 UAH (15,000 UAH for all clients with a salary card issued by Finance and Credit Bank)	15,000 UAH (25,000 UAH for all clients with a salary card issued by Finance and Credit Bank)
Interest rate for using credit funds (per annum in UAH):
for non-cash settlements in merchant networks on the territory of Ukraine:	0.1% - up to 60 days, 32.99% - after the grace period is over³	0.1% - up to 60 days, 29.99% - after the grace period is over³
for other transactions:	32.99%	29.99%
Credit repayment	Monthly: • interest for using credit funds • 5% of the credit limit amount that has been used After the card validity expiries: • Card can be renewd and used in the future
Card maintenance cost per month	15 UAH, beginning from the 4th month of using the card	50 UAH, beginning from the 4th month of using the card

Awesome Flight Card tariffs

Order your card right now by calling 0 800 302 00 (toll-free for calls from fixed-line phones in Ukraine) or by visiting any outlet of Finance and Credit Bank!

¹It is equivalent to 1.5 USD at the NBU exchange rate on the day of debiting funds from the card account.

²Greeting milies are creditied to the account only after the first card transaction in the trade and service network.

³Interest for using credit funds is assessed in UAH at a favourable rate of 0.1% per annum withing 60-day grace period: before the second billing cycle from the date of debiting funds from the card account. Beginning from the first day of the second billing cycle from the date of actual debiting funds from the card account, the following interest rates are assessed: 32.99% per annum in UAH for Classic level cards, 29.99% per annum in UAH for Gold level cards.