Bank Pekao - How to Apply for a Credit Card

Choosing the right credit card can significantly influence your financial well-being. 

Bank Pekao provides a variety of credit cards designed to meet diverse needs, from cashback rewards to travel perks. 


This guide covers the Bank Pekao credit card application process, including eligibility, steps, and approval.

Types of Credit Cards Offered by Bank Pekao

Bank Pekao offers various credit cards tailored to multiple lifestyles and financial needs. Here are the types of credit cards provided:

  • Rewards Cards: Earn points for purchases, redeemable for travel, merchandise, or other rewards.
  • Cashback Cards: Get cash rewards based on a percentage of your spending.
  • Travel Rewards Cards: Earn points or miles for travel expenses, with added travel perks.
  • Low Interest Rate Cards: Designed for lower ongoing interest charges on balances.
  • Business Credit Cards: Ideal for business expenses, with features like expense tracking and employee cards.

Benefits of the Cards

Bank Pekao credit cards offer a range of advantages tailored to enhance your financial experience. Here are the key benefits:

  • Rewards Programs: Earn points or cashback on purchases.
  • Travel Benefits: Includes travel insurance and airport lounge access.
  • Low Introductory Rates: Available on balance transfers and purchases.
  • Fraud Protection: Features 24/7 monitoring and zero liability.
  • Contactless Payment: Allows for quick and secure transactions.

Interest rates and Fees

Understanding the specific costs associated with Bank Pekao credit cards is crucial for managing your finances effectively. Here are the details:

  • Interest Rates: Typically range from 12% to 24% APR, depending on the card type and applicant's creditworthiness.
  • Annual Fee: Varies by card type, often waived for the first year or set at around 200 PLN to 400 PLN annually.
  • Foreign Transaction Fee: Typically around 3% of each transaction made abroad.
  • Late Payment Fee: Charged if the minimum payment is not received by the due date, usually around 100 PLN to 150 PLN.
  • Cash Advance Fee: Typically, 3% to 5% of the amount advanced or a minimum flat fee of 50 PLN to 100 PLN, whichever is higher.

Eligibility Criteria

Before applying for a Bank Pekao credit card, it's essential to understand the eligibility criteria. Here are the key requirements:

  • Minimum age requirement (usually 18 years old)
  • Proof of regular income or employment status
  • Good credit history with no defaults or bankruptcies
  • Residency status (often requires residency in the country where the card is issued)
  • Minimum income requirement (specific to each card type)
  • Ability to provide required documentation (e.g., identification, proof of address)

Application Process

Applying for a Bank Pekao credit card is straightforward with these step-by-step instructions. Here's how to navigate the application process:

  1. Visit the Bank Pekao Website: Navigate to the official Bank Pekao website and locate the credit card section.
  2. Choose Your Card: Select the credit card that best suits your needs, whether for rewards, cashback, or low interest rates.
  3. Check Eligibility: Review the eligibility criteria for the selected card to ensure you meet all requirements.
  4. Prepare Required Documents: Gather necessary documents such as ID, proof of income, and proof of address.
  5. Complete the Application Form: Fill out the online application form accurately, providing all required information.
  6. Review and Submit: Double-check your application for completeness and accuracy before submitting it.
  7. Wait for Approval: After submission, await approval from Bank Pekao. This process may take a few days.
  8. Activate Your Card: Once approved, follow the instructions to activate your new Bank Pekao credit card.

Steps to check your credit card application status

After applying for a Bank Pekao credit card, it's essential to monitor the status of your application. 

Here's how you can check your credit card application status:

  1. Visit the Bank Pekao Website: Access the credit card application status page.
  2. Enter Your Information: Provide details such as your application reference number, date of birth, and other required information.
  3. Check Online: Review your application status online to see if it's approved, pending, or declined.
  4. Contact Customer Service: If online checking is unavailable or inconclusive, contact Bank Pekao's customer service for assistance.

Review and Submission

Reviewing and submitting your Bank Pekao credit card application is crucial to ensure accuracy and completeness. 

Here's how to handle the review and submission process effectively:

  • Double-check Information: Review your application form thoroughly to ensure all details are accurate and complete.
  • Verify Documents: Confirm that all required documents, such as identification and proof of income, are attached.
  • Submit Online: If applying online, click the submit button once you know everything is correct.
  • In-Person Submission: If submitting in person, hand over your application and documents to a Bank Pekao representative.
  • Confirmation: After submission, note any confirmation numbers or emails for future reference

Approval and Activation

Once your Bank Pekao credit card application is approved, the following steps involve activating your card. 

Here's what to expect during the approval and activation process:

  • Approval Notification: Await notification from Bank Pekao confirming your credit card application has been approved.
  • Receive Your Card: Once approved, your new credit card will be mailed to the address provided during the application process.
  • Activation Instructions: Activate your card using instructions from the Bank Pekao website or designated phone number.
  • Security Measures: During activation, you may need to verify your identity and set up security features such as a PIN.
  • Start Using Your Card: Once activated, your Bank Pekao credit card is ready for use according to the terms and conditions provided.

Steps to Activate the Credit Card 

Activating your Bank Pekao credit card is straightforward with these simple steps. Here's how to activate your new card:

  1. Visit the Bank Pekao Website: Navigate to the activation section on the Bank Pekao website.
  2. Enter Activation Details: Provide the required information, such as card number, personal details, and security code.
  3. Verify Identity: Follow the prompts to verify your identity for security purposes.
  4. Set up Security Features: Optionally set up additional security features like a PIN or security questions.
  5. Confirmation: Once completed, your Bank Pekao credit card is activated and ready for use.

Summing It Up

Applying for a Bank Pekao credit card involves understanding your needs, meeting the criteria, and following a straightforward process.

By choosing the right card, preparing documents, and following the steps outlined, you can successfully apply for and manage a Bank Pekao credit card. 

Whether for rewards, travel benefits, or convenience, Bank Pekao offers options to enhance your financial experience.

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