Payment card from KB

• Payment card from KB
• Basic rules for safe use of your payment card
• How to conveniently use your payment card
• Loss and theft of your payment card
• Important informations

• international validity
• smart payment card y
• three-year card validity (card validity stated on the front of the card (MM/YY))
• weekly payment limits for payments in shops and withdrawals from ATMs
• possibility of setting for payments over the Internet
• travel insurance – according to type of card

Types of payment cards issued by KB

You can choose from debit, credit, personal or business payment cards according to your current requirements. The current offer of KB payment cards can be found at www.kb.cz.

Debit card – this is issued to go with a current account  in KB and by using it, you are drawing on your own funds deposited in your account. Transactions performed are debited from your current account.

Credit card – this is linked to a loan account, which means that by using it, you are drawing on free funds – a loan from the bank with a prearranged limit, even repeatedly. You can then repay the loan within the advantageous interest-free period – up to 45 days (0% interest) or in instalments with the pertinent interest for the given type of card.

e-Card – this does not exist in the conventional form of a plastic card; it comprises information about the payment card number, validity period and three-digit CVV or CVC code. You receive data about the virtual payment card (e-Card) in a security envelope. This is a debit card intended exclusively for payments over the Internet.

Embossed payment cards

These are payment cards with so-called relief (embossed) lettering. These cards allow for payments in shops which are not equipped with an electronic terminal. The vendor may use an imprinter – mechanical reader – see Cashless payments, which makes an imprint of all data on the card and the customer confirms the data with his/her signature.

Electronic payment cards

These are intended for payment in shops which are equipped with an electronic payment terminal and for withdrawals from ATMs.

Card parameters

Payment limits

Payment limits for cards are set as weekly (from Monday to Sunday). The client sets the limit when processing his/her application for the payment card, setting a separate limit for withdrawal from ATMs and for transactions in shops. The client can request change to the weekly limits at any time at a branch of KB or via MojeBanka – Level of standard transaction limits.

Payment limit for payments over the Internet

This is part of the limit which the client sets for transactions in shops. It is possible to activate your card for payments over the Internet when processing your application for the payment  card or at any time at your branch or via Expresní linka or MojeBanka.

Travel insurance

More information about travel insurance can be found at www.kb.cz for your chosen type of payment card.

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