For big and small purchases 💸
Up to 62 days grace period, convenient management in the application – buy now, pay later without overpayments.
No fees when paying for cash-on-delivery parcels by credit card 👍
📲 Open a credit card directly in the NovaPay app Find out your credit limit and take money when you need it 💰
NovaPay credit card is
👌 up to 62 days without overpayments
take it now, pay later💰 credit limit up to UAH 200,000
with a reserve for all plans💸 for any payments
shops, cash-on-delivery at Nova poshta, utility bills, transfers by IBAN and to a card📱 full control in the application
conveniently apply, repay, and control the limitHow to open a NovaPay credit card
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How much does it cost
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TERMS and CONDITIONS
💳 Limit: from UAH 1,000 to UAH 200,000
📆 Term: 12 months
💰 Rate:
– concessional – 0,00001% per annum
– base – 5% per month (60% per annum)
📅 Minimum monthly payment
The real annual interest rate is 79.59%
Warning
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.
FAQ
What is a 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.
Who can apply for a card?
Citizens of Ukraine aged 18 to 69 with the NovaPay mobile application
Do you check the credit history?
Yes, it affects your limit. You must agree that we will receive your credit history
What is the interest rate?
0.00001% per annum – for concessional transactions 60% per annum – after the grace period
Is there a grace period on the credit card and how long is it valid?
Yes, our Credit Card has a grace period of up to 62 days for certain transactions
What transactions are covered by the grace period?
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
How can I stay in the grace period?
Pay off the entire debt by the end of the following month
What is the minimum payment?
0.01% of the debt amount at the end of the current month + accrued interest, but not less than UAH 100
By what date is the mandatory minimum payment due?
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
Can I repay my loan debt early?
Yes, of course. You can repay the loan in full early without additional fees and interest, paying only the interest for the actual term
Why was my credit limit not calculated?
The credit limit is calculated automatically and depends on your financial activity, credit history, and other financial factors
Why do I not have a credit limit?
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 😎
Why can't I apply for a credit card?
If your credit limit is UAH 1,000, you can apply for a card. Check it out in the app next month 😉
Is using the “Benefit” service with a credit card possible?
No
What is the real annual interest rate on a credit card?
Up to 79.59% per annum. The exact calculation depends on the terms of repayment
What happens if I pay more than my credit limit?
This overpayment will remain on the card and you can use it as your money
How can I fully close my credit limit and how much does it cost?
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 👌
Where can I find out about debts and payments?
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
What should I do if I am called up for military service?
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
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