Elastic interest rate and credit limit

X hero will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Use the opportunity to receive an individually tailored interest rate with a credit limit of up to 10,000 EUR, which is tailored to your desires and possibilities.

Wiithout a credit limit

If you don’t need a credit limit right now, apply for and use your X hero credit card without one. You will have access to all the advantages of the credit card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days

A chance to use credit for free!

Up to 45 days interest-free—there is a period for which interest on your balance is not calculated. If you fully repay the credit you use before the 15th of the next month, you won’t have to pay interest.

Minimum repayment - just 5% per month

You can plan to repay your balance in a way that is easiest for you:

  • you can gradually repay your balance by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance;
  • f you plan on making repayments over a specific period of time, you may find it easier to pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, you will not be charged interest.

To receive an X hero card, you must be at least 18 years old, with a positive credit history and a monthly income of 350 EUR or more after taxes. The minimum credit limit is 250 EUR.