GOLD CARD

  • Priority service
  • Low % rates on loans
  • Credit limit of up to UAH 75,000

Gold card for successful people

Gold card for successful people

Universal Gold card is an international payment card from PrivatBank with which you get personal banking at your convenience.

With a Gold card you can use both your own money on the card and credit funds. Your relatives, friends or partners can transfer money to this card. Money on your Universal Gold card both personal and credit is available to you anywhere in the world at any time.

Embossed Universal Gold cards support Visa payWave and MasterCard Contactless contactless payments technology. This provides you with the opportunity to make purchases while keeping hold of your card. In the case of purchases for an amount up to UAH 500 (for VISA card) and up to UAH 100 (for MasterCard card) you do not need to enter a PIN or sign a receipt.

To obtain the Universal Gold card you need only your passport and taxpayer ID number.

Benefits for Gold card holders

Benefits for Gold card holders

1. Your personal banker will help you solve any financial issues: send a payment, transfer money between your cards and much more.

You can find out who your personal banker is in one of the following ways:
  • from the SMS sent to your phone after card issuance;
  • in Privat24 (menu "All services" –> "Info");
  • by sending SMS to the number 10060 with the word MANAGER.

2. The opportunity to apply to a 24-hour customer support line dedicated to the GOLD-Club, by calling 0 800 504 707 or by sending an e-mail to: goldclub@privatbank.ua.

3. Chat with a banker in Privat24 mobile application

At your convenience you can give instructions to your banker in the chat of Privat24 mobile application: apply for changing the credit limit, change the PIN-code, change the Internet limit, order cash, check information on "Payment by installments", etc. If your personal banker fails to respond to your message in chat within a few minutes for any reason, a Gold club expert will connect to the dialogue and answer questions or fulfill your assignment.

To start a chat click on the photo of your personal banker on the main page of Privat24 mobile app.

4. Benefits from Visa: pay for purchases in one move - just wave your Visa payWave-enabled card in front of a terminal with a contactless payment sign.

5. Benefits from MasterCard: 24-hour support staff will assist you on all issues related to your lost or stolen cards, urgent cash withdrawal, addresses of ATMs that accept MasterCard, Maestro, Cirrus etc.

6. The opportunity to order a card with your name and photo.

7. The opportunity to store valuables in PrivatBank's safe deposit boxes.

8. Participation in premium programs of VISA and MasterCard payment systems.

9. The opportunity to issue Universal Gold card in USD EUR or RUB

Credit limit of up to UAH 75,000

Credit limit of up to UAH 75,000

At your discretion a credit limit may be set on your Universal Gold card.

Credit limit is the amount of money that the bank lends to you. The credit limit size is set individually for each client.

Provide us with a certificate of your income, your passport for travel abroad or documents confirming the property holding, as well as a statement of your card account with another bank, and it will improve your chances of increasing the credit limit!

You can find out the current amount of your credit limit in any way convenient for you: at an ATM, at the bank's branch, in «Privat24» system or use the online chat.

Grace period is up to 55 days

Grace period is up to 55 days

Universal Gold card of PrivatBank has a grace period of use, during which you can use credit funds for free. This means that if you pay off the debt during the grace period, you will not have to pay interest on this loan!

Universal Gold cards have a grace period for using the credit up to 55 days. It means that in order not to pay interests, you have to pay back your debt before the 25th day (inclusive) of the month following the month when you used the credit.

Example 1

  • On January 1 you spent UAH 500 from the card; on January 20 you spent another UAH 800.
  • If you load UAH 1 300 on to the card before February 25, then you will not pay any interest.

Example 2

  • On January 1 you spent UAH 1,000 from the card; on January 30 you spent another UAH 400.
  • On February 2 you spent UAH 900, and on February 05 you spent another UAH 100.
  • If you load UAH 1,400 that you spent in January on to the card before February 25, then you will not pay any interest.
  • In order not to pay any interest again in March, it is necessary to load.
  • UAH 1,000 that you spent in February on to the card before March 25.

What is a mandatory loan payment?

If you fail to meet the grace period, then you will have to make a monthly payment to the card for the loan repayment. The minimum monthly payment is 5% of outstanding amount (but not less than UAH 100), which will not create a significant burden on your family budget and at the same time will prevent you from falling into arrears.

We made sure that you could find out the amount of the mandatory payment as simple as possible. You can check it yourself by means of an ATM, a self-service terminal, by calling 3700 or in Privat24 Internet-bank.

What is the difference between Universal Gold card and Universal card?

What is the difference between Universal Gold card and Universal card?
  • The opportunity to get help from your personal banker in solving a financial issue. He/she will help you to send a payment, transfer money between your cards, and more.
  • Reduced rate for using the credit limit (only 3.5%).
  • Maximum amount of credit limit is up to UAH 75,000
  • Contactless payment technology on embossed cards. Visa payWave is a minimum of motions and maximum of convenience.
  • Discounts for GOLD Club members and worldwide privileges from Visa and MasterCard.
  • The opportunity to order a card with your name and photo.
  • Choosing the card currency at registration: USD, EUR, RUB or UAH.

Rates

Card currency UAH/USD/EUR/RUR
Cost of registration UAH 0****
Monthly membership fee for participation in the GOLD club UAH 20
Credit limit for cards in UAH
Credit line type revolving
Grace period Up to 55 days (preferential rate is valid subject to repayment by the 25th day of the month following the date of debt incurring)
Issue of a card with a photo, as well as reissue of a card to a client or his/her relatives (reissue is not carried out on the initiative of the client and during the period of validity) - instant – UAH 0 ****;
- with a name and a photo - UAH 150
Your benefit: interest calculation on the average monthly balance on the card. Interest is accrued on the balance of more than UAH 100 for each day. Interest is credited to the Bonus Plus account on the last day of each month. 7% for cards in UAH
It is required to activate the deposit option in Privat24 (www.privat24.ua), "My accounts" section, or at ATM.
Base interest rate per month (only for cards in UAH) 3,5% *
The size of monthly payments, which include a fee for the use of credit funds in the reporting period (for cards in UAH only) at least 5% of the debt at the end of the previous month, but not less than UAH 100
Monthly payments deadline by the 25th day of the month following the reporting one
Fee for withdrawal of own funds - at ATMs and cash points of PrivatBank and other Ukrainian banks - 1%

- at ATMs and cash points abroad - 2%
Fee for withdrawal of credit funds at ATMs ** and PrivatBank's cash points, any Ukrainian and foreign banks, as well as for quasi-cash transactions UAH 1-100 - UAH 7
UAH 100.01-200 - UAH 12
UAH 200,.01-300 - UAH 18
UAH 300.01–400 - UAH 24
UAH 400.01–500 - UAH 30
UAH 500.01–1,000 - UAH 47
more than UAH 1000 - 4% of the transaction amount
Penalty for delay in payment of the loan and / or interest. The penalty is charged on the day of writing off of interest The penalty is 0,233% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 50 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH.
The penalty is 0,233% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 100 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH for the second month in a row and longer
Penalty for violation of payment deadlines under any monetary obligations stipulated by the contract, for more than 30 days UAH 500 + 5% of the debt amount within the credit limit, including interest and fees accrued and overdue
Penalty for failure to fulfill obligations in accordance with the terms and conditions of banking services

UAH 500 + 5% of the debt amount within the credit limit, including interest and fees accrued and overdue

0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 50 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH.

0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 100 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH for the second month in a row and longer

Providing card statements at the bank branch for any period UAH 100
Fee for getting a balance receipt at ATM and self-service terminal of PrivatBank (other than cash withdrawal receipt) UAH 3
Fee for replenishing your card in cash by means of self-service terminal or at the cash desk of PrivatBank , as well as for non-cash transfer of funds to the card account (no-purpose replenishment) 0%
Fee under the "Payment by Installments. Without overpayments" and "Installments" programs 4% for transfers from credit funds or free of charge for transfers from own funds
The schedule of monthly service fee payment by the 25th day of the month following the reporting one
SMS-notification on all account transactions (credit and debit) free of charge, enabled by default
Fee for withdrawing money in order to top-up your mobile account In more detail + 1% - at the expense of credit funds
Transfer to a card of any Ukrainian bank: Payment by means of PrivatBank services - 0.5% (min UAH 5) + 3% for transfers from credit funds

Payment by means of services of other banks - 4% for transfers from credit funds or 0.5% (min UAH 5) for transfers from own funds
Transfer to a card of any foreign bank: 2% (min UAH 50) + 3% for transfers from credit funds
Transfer to any Universal card, current account of an individual 4% for transfers from credit funds or free of charge for transfers from own funds + UAH 8 for transfers by phone
Transfer to a Card for Pay-outs 0,5% for crediting to your card + 4% for transfers from credit funds or 0,5% for transfers from own funds + UAH 8 for transfers by phone
To an account of a legal entity in PrivatBank (payment within Ukraine) own funds: 1% (min UAH 3 max UAH 1000)
credit funds: 4%
Additionally UAH 8 will be charged, if payment is made by phone
Fee for transfer to an account of a legal entity with another Ukrainian bank 4% for transfers from credit funds or 1% (min UAH 3, max UAH 1,000) for transfers from own funds
Additionally UAH 8 will be charged, if payment is made by phone of a Gold Card for Pay-outs
in Privat24 - UAH 3
Card replenishment without using the card (including crediting the remainder of more than UAH 50). at the cash desk - UAH
at the self-service terminal - 0.5% of the amount (minimum UAH 5) ***;
Cash withdrawal without the presence of a card at the cash desk / ATM

UAH 2

Effective interest rate 52,97%
Fee for monitoring the expired card on which there were no transactions for 6 consecutive months (there are no other active cards) – more than 12 months ago – UAH 100 per year,
more than 24 months ago – UAH 500 per year,
but not more than the card balance
Fee for monitoring the inactive Bonus Plus account of your card (when there are no transactions on Bonus Plus account for the 500 days in a row). - UAH 100 for the first year and UAH 500 for each subsequent year, but no more than Bonus Plus account balance.
Show all

* For all expenses made before April 1, 2015, interest is accrued at the old rate of 2.7%= until the amount withdrawn from the credit funds before April 1, 2015 is returned to the card in full.

** The amount of cash withdrawals at ATMs of PrivatBank (Ukraine) is limited to UAH 20,000 within 3 hours.

*** For cardholders of PrivatBank there is a promotional rate of 0.2% of the amount (minimum UAH 2).

**** The maximum quantity of free cards is 6 pieces per year (3 pieces for an authorized person);

Frequently asked questions

What transactions are taken into account during the grace period?

During the grace period all expense transactions from the card are taken into account, i.e. cash withdrawals, card payments in stores and non-cash transfers.

If I issue a Universal Gold card and a Gold Card for Pay-outs, which card will be debited for UAH 20 for participation in the GOLD club?

Universal Gold card will be debited for UAH 20.

Very often there are two programs in stores: "Discount Club" and "Bonus Plus". What discount will be given in case of payment by card?

In this case, you will receive a discount from the "Discount Club", since the discount of the "Discount Club" has higher priority.

How to repay a loan via another Ukrainian bank?

To replenish your card in another Ukrainian bank, you will need to provide the following details:
Beneficiary: JSC CB PRIVATBANK
Beneficiary's code (EDRPOU): 14360570
Beneficiary bank code (MFO): 305299
Beneficiary account: 29244825509100
Reference: replenishment of the card No. (card number), your full name and taxpayer ID number.

Can I pay by Universal Gold card in online stores?

With Universal Gold card you can pay online conveniently and free of charge. By default, your card is open for online payments of up to UAH 1,000 per month. You can close or reopen a card for online payments by means of Privat24. For security reasons set an internet limit, i.e. maximum amount that you can spend from your card during the calendar month. On the first day of every month, the limit will be revolved, and you will be able to redeem this amount again.

Should I fully pay off the debt on Universal Gold card, when the card expires?

That is unnecessary. After the reissuance of your card the loan debt and the available balance will remain the same, and you will be able to repay the loan in the same way as before.

What if my card is lost?

In the event of loss or theft of your card you should block its account as soon as possible. You can apply to a 24-hour customer support line dedicated to the GOLD-Club, by calling 0800504707 or by sending an e-mail to: goldclub@privatbank.ua. You will receive a new card at the PrivatBank branch.

Until when should I repay the debt so as not to pay interest on the loan?

Before the 25th day of the month following the month when you used the credit.

How can I activate the deposit function of the card in order to receive interest on my own funds?

In Privat24 select "Card / account management - Accrual of interest on the card balance - Enable".

What is included in the monthly mandatory payment?

Starting from the month following the first transaction, you will need to make mandatory monthly payments to the card, which include both a portion of the loan principal and accrued interest. Debt repayment when depositing funds to a card account shall be carried out in the following order: penalties, fines, overdue fees, overdue interest, overdue loan, accrued fees, accrued interest, debt under the credit limit.

If I pay by card abroad, then at the rate of what day will the currency be converted?

Currency conversion will be carried out at the rate of the day when you made the purchase (the rate will be indicated in the SMS that you will receive when paying by card).

How do I replenish my card in order to repay the debt under the credit limit?

You can replenish your card in Privat24 by transfer from another of your cards or transfer funds from the card of another bank. You can replenish your card in cash at self-service terminals or cash desks of PrivatBank.

What is a CVV code?

A CVV-code is a three-digit code for verifying the authenticity of your card when paying online and performing other types of transactions. You can find the CVV code on the back of your card - it is the last 3 digits of the seven-digit number next to the signature stripe, which are usually visually separated from the whole number.

Frequently asked questions on the grace period

What is the grace period?
Universal Gold card of PrivatBank has a grace period of use, during which you can use credit funds for free. This means that if you pay off the debt during the grace period, you will not have to pay interest on this loan!

What is the grace period of Universal Gold cards?
Universal Gold cards have a grace period for using the credit up to 55 days It means that in order not to pay interests you have to pay back your debt before the 25th day of the month following the month when you used the credit.

How does the grace period of "55 days" work?
In order to take advantage of the grace period, you must deposit the amount of the debt of the past month on any day before the 25th day of the current month. The grace period is not applied if your card has outstanding debts of previous periods. In this case, the grace period will not be applied to new expenditures!

Example: You did not use your card earlier. On March 2, you made a purchase in the store with your Universal Gold card for UAH 500, and on March 28 you made a purchase for another UAH 500. By April 25 you had paid back UAH 1000 to your card and did not pay for the use of credit funds.

How do I save on purchases with my Universal Gold card?
Payment by Universal Gold card in stores is carried out without any fees. In stores that are the partners of Bonus Plus program you make purchases without any fees and earn some good bonuses. For cash withdrawal at an ATM you pay a fee, the size of which depends on the amount of withdrawal. The fee will be added to your debt.

Example: You have no debts on your card. On March 5, you made a purchase from credit funds for the amount of UAH 300, and on March 28 you withdrew another UAH 450 from the card. The fee for withdrawal of credit funds at ATMs and cash desks of any Ukrainian or foreign bank in the amount from UAH 400.01 to UAH 500 is UAH 30.
On April 5 you had to withdraw another UAH 1,500 from your card. The fee for withdrawal of credit funds at ATMs and cash desks of any Ukrainian or foreign bank in the amount more than UAH 1,000 is 4% of the withdrawn amount, which is UAH 60. After paying out the amount of expenses in March (300 + 450 + 30 = 780 UAH) by April 25, you cannot worry about those UAH 1,560 taken at the beginning of the month - interest on them will not be charged if you pay 1 560 UAH to 25 May!

Frequently Asked Questions about accrual of interest

In what case do I have to pay loan interest on Universal Gold card?
If you do not pay back the full amount of the debt of previous month by the 25th day of the current month, the grace period is not applied, and interest is accrued on the entire amount your debt from the date of beginning of the use of credit funds. The grace period will not be applied to any new expenditures until the full repayment of all debts.

Example: You made purchases in the store with your Universal Gold card on January 3 for the amount of UAH 1,000 and on February 5 for the amount of UAH 500. On February 20, you replenished your card only for UAH 100. The grace period is not applied, and interest is accrued on the entire amount your debt from the date of beginning of the use of credit funds.

What is the interest accrued on the debt on my Universal Gold card?
The interest rate for the use of credit funds beyond the grace period is very advantageous, it is only 3.5% per month.

What is the formula for calculation of interest on Universal Gold card?
The interest on a card is calculated for each calendar day of using the credit funds according to the formula:
debt amount * days of using the funds * 3.5% * 12 / 365

where:
• 365 is a constant value (the number of days in a year);
• 3.5% is a constant value (the monthly interest rate according to the schedule of rates);
• 12 is a constant value (the number of months in a year).
The calculation is made separately for each client's transaction, resulting in a change of the debt amount. Interest is accrued on the last day of the month after the end of the grace period. When calculating interest, the digits to the right of the hundredths place shall be dropped.

Example: As of January 1, you had no debt on your Universal Gold card. You made purchases in the store with your Universal Gold card on January 3 for the amount of UAH 1,000 and on February 5 for the amount of UAH 500. On February 20, you replenished your card only for UAH 100.

Debt amount, UAH Number of daysAccrued interest amount, UAH
UAH 1,000 (purchase on January 3) From Jan. 03 to Feb. 04 inclusive = 33 days 1,000 * 33 * 3.5 * 12 / 365 / 100 = 37.97 UAH
UAH 1,500 (amount of purchases on January 3 and February 5) From Feb. 05 to Feb. 19 inclusive = 15 days 1 500 * 15 * 3.5 * 12 / 365 / 100 = 25.89 UAH
UAH 1,400 (debt after repayment on February 20) From Feb. 20 to Feb. 27 inclusive = 8 days 1,400 * 8 * 3.5 * 12 / 365 / 100 = 12.89 UAH

The total amount of accrued interest as of Feb. 28: UAH 76.75 = 37.97 + 25.89 + 12.89

At what rate will my PrivatBank card in USD be debited for the amount in exotic currency (other than RUB / GEL / USD / EUR) of purchases made abroad?

At the exchange rate of payment systems for the exotic currency/USD pair. The amount in USD will be debited without conversion.

At what rate will my PrivatBank card in the national currency be debited for the amount in exotic currency (other than RUB / GEL / USD / EUR) of purchases made abroad?

At the exchange rate of payment systems for the exotic currency/USD pair. The amount in USD will be debited at the sell rate of PrivatBank for USD/UAH pair as of the day of purchase.

At what rate will my PrivatBank card n the national currency be debited for the amount in RUB / GEL / USD / EUR of purchases made abroad?

At the sell rate of RUB / USD / EUR in PrivatBank as of the day of purchase.