NovaPay credit card

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.

✅ Install the NovaPay app. Open a credit card 💳 immediately during registration in the app.
✅ Or open it whenever it's convenient in the ‘Wallet’ or ‘Loans’ sections
👉 Tap ‘Open’ and review the terms of use 📄
👉 Sign the agreement with the code from the SMS and create a PIN code for the card 🔐
Want a plastic card? Order delivery to a Nova poshta branch or parcel locker.

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

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

A Charge is the use of credit funds (payment, transfer, or cash withdrawal). Each charge is recorded separately, with its own outstanding balance and due date.

For example, if you paid for a purchase on 1 March and withdrew cash on 15 March, these are two separate charges, each with its own due date:
👉 60 months Effective for agreements from NovaPay Credit – if the card was opened on or after 18 March 2026
👉 12 months – if the card was opened before 18 March 2026 (without a signed supplementary agreement)

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

Card issuance and the credit limit are determined individually for each client. Check your personalized terms in the app next month 😉

Yes! The benefit will be instantly credited to your purple card

When you pay for cash-on-delivery parcels with a NovaPay credit card at a branch or via the Nova Poshta and NovaPay apps, you get several benefits at once 👇
👍 a more favourable rate – just 1% + UAH 10;
👍 no fees for using credit funds;
👍 an additional benefit of up to 20% off the cash-on-delivery fees and delivery costs for 6 parcels per month in the NovaPay app Maximum benefit per parcel is UAH 50

💡 Simply open your parcel in the NovaPay or Nova poshta app and pay by credit card. It's quicker and more cost-effective.

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

You will receive a Visa Debit Classic card. It allows you to pay for purchases online and offline.
You can use a virtual card only, or order a plastic credit card in the NovaPay app

There is almost no difference in usage.
Both Mastercard and Visa allow you to pay for purchases online and offline.
The only difference is in the payment system that processes transactions – Visa or Mastercard.

No, the rates remain the same. No hidden changes – everything’s just as transparent as before 💳✨

Yes, of course! Visa offers nice bonuses, discounts, and promotions 🎁
Check out the latest offers 👉 here