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ПриватБанк
Bank accounts

ПриватБанк — Universalna картка

Verified 04.09.2026

ПриватБанк • UAH

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In brief
Loan amount up to 200 000 UAH

Our review

Олена Ткаченко · Updated: 3 September 2026

PrivatBank — Universalna card: overview

PrivatBank's Universalna card is a credit card from Ukraine's largest bank, combining a grace period with a substantial credit limit.

Grace period and limit

The card offers a grace period of up to 55 days, during which no interest is charged on funds used. The credit limit can reach 200,000 UAH, depending on customer scoring.

Cashback and fees

Card maintenance is free. Cashback of up to 1% on purchases is included.

Summary

PrivatBank's Universalna card is a convenient credit card option for customers already using the country's largest bank, with its extensive branch and ATM network. Exact interest terms after the grace period are best confirmed at a branch or in the Privat24 app.

✓ Pros

  • ✓ Grace period up to 55 days
  • ✓ Credit limit up to 200,000 UAH
  • ✓ Up to 1% cashback on purchases
  • ✓ No card maintenance fee
  • ✓ Ukraine's largest branch and ATM network

✕ Cons

  • ✕ Credit limit depends on individual scoring
  • ✕ Interest rate after the grace period isn't stated in the available data
  • ✕ Limit is lower than some competitors
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Bank ПриватБанк
SWIFT/BIC PBANUA2X
Headquarters Dniepr (Ukraina)
Founded 1992