NovaPay credit card

Warning of possible consequences in case of using the service or failure to fulfill obligations under the agreement:

• • for non-payment or late payment of the mandatory minimum payment, the consumer must pay a fine of UAH 150;
• • breach of obligations under the agreement may negatively affect the credit history and make it difficult to obtain a loan in the future;
• • NovaPay does not have the right to require the consumer to purchase goods or services from its own or related parties;
• • the consumer has the right to get acquainted with alternative credit options and financial institutions before deciding on a loan;
• • NovaPay has the right to change the terms of the agreement with the consent of both parties;
• • the consumer may refuse to receive advertising materials by calling 0 800 30 79 79;
• • loan costs depend on the payment method chosen by the consumer;
• • the consumer cannot extend the loan or credit repayment period;
• • the term of the agreement and the limit are automatically extended for the same period unless either party (the consumer or NovaPay) notifies of the intention to terminate them.

Our credit card was created from the credit products of two companies operating under the NovaPay brand: a card from NovaPay and a revolving credit line from NovaPay Credit.

💳 A credit card from NovaPay is used for purchases and payments within the established credit limit.
💵 And the revolving credit line from NovaPay Credit automatically covers your debt to NovaPay, providing you with continuous access to money.

Citizens of Ukraine aged 18 to 69 with the NovaPay mobile application

Yes, it affects your limit. You must agree that we will receive your credit history

0.00001% per annum – for concessional transactions
60% per annum – after the grace period

Yes, our Credit Card has a grace period of up to 62 days for certain transactions

The grace period of up to 62 days applies to:
✅ payment for goods and services at retail outlets and on the Internet;
✅ mobile top-up, utilities, charity, fines, and fees/taxes, Internet and TV payments, educational and insurance services, etc. in the NovaPay mobile application;
✅ payment for parcels and services of Nova poshta;
✅ mobile top-up at Nova poshta branches;
✅ payment of bills under the contract at Nova poshta branches

Pay off the entire debt by the end of the following month

0.01% of the debt amount at the end of the current month + accrued interest, but not less than UAH 100

The mandatory minimum payment must be made by the end of the following month. If this is not done on time, the debt will become overdue

Yes, of course. You can repay the loan in full early without additional fees and interest, paying only the interest for the actual term

The credit limit is calculated automatically and depends on your financial activity, credit history, and other financial factors

We may not have enough data to calculate it. It is calculated automatically based on your credit history, monthly income, and other factors that affect your solvency 😎

If your credit limit is UAH 1,000, you can apply for a card. Check it out in the app next month 😉

No

Up to 79.59% per annum. The exact calculation depends on the terms of repayment

This overpayment will remain on the card and you can use it as your money

Just top up your card in the NovaPay app, using your IBAN details, or at a Nova poshta branch. After that, interest is no longer charged 👌

In the NovaPay application, go to the “Loans” menu or call 0 800 30 79 79. You can also visit a Nova poshta branch with your passport

Ми дякуємо усім, хто став на захист України
Military personnel are exempt from interest, fines, and penalties. The Law “On Social and Legal Protection of Servicemen and Members of Their Families” provides for these benefits. To receive the benefit, the borrower or his/her close relatives must notify the bank of their military service and provide supporting documents, the list of which is provided in paragraph 1 of the Notice for borrowers in the military

You can notify conveniently:

📌 by email: [email protected]
📌 by post: 103 Stolychne Shosse, Kyiv, building 1, 13th floor, office 1304
📌 by phone: 0 800 30 79 79