{"id":22315,"date":"2026-05-19T11:21:12","date_gmt":"2026-05-19T08:21:12","guid":{"rendered":"https:\/\/novapay.ua\/1rik-kreditka-novapay\/"},"modified":"2026-05-25T11:56:15","modified_gmt":"2026-05-25T08:56:15","slug":"1rik-kreditka-novapay","status":"publish","type":"post","link":"https:\/\/novapay.ua\/en\/1rik-kreditka-novapay\/","title":{"rendered":"Not \u2018for a rainy day\u2019, but for everyday spending: how Ukrainians use the NovaPay credit card"},"content":{"rendered":"

In May 2025, NovaPay* launched its own credit card<\/a> \u2013 and since then, over 74,000 customers have signed up for it. The total value of the card\u2019s credit portfolio has exceeded UAH 800 million.<\/span><\/p>\n

The card offers a grace period of up to 62 days, meaning you can spend the money now and repay it interest-free. For those used to planning their budget in advance, this is a handy tool: the money is available when you need it, without any extra financial pressure.<\/span><\/p>\n

Ukrainians aged 23\u201340 are the most active users of the credit card \u2013 this group accounts for over 58% of all customers of the product. Men make up around 60% of the user base, though women demonstrate high levels of credit usage.<\/span><\/p>\n

The average monthly expenditure of a credit card user is 7,670 UAH, of which over UAH 7,199 is credit. This indicates that customers use the card primarily as a fully-fledged credit facility for everyday expenses.<\/span><\/p>\n

The most common ways of using a credit card are:
\n<\/span>\ud83d\udcb3 transfers to cards held with other banks;
\n<\/span>\ud83d\uded2 purchases in physical shops and online;
\n<\/span>\ud83d\udce6 payment for Nova Poshta delivery and cash-on-delivery services.<\/span><\/p>\n

At the same time, in-store purchases significantly outnumber online shopping, whilst cash withdrawals remain minimal \u2013 less than 1,4% of total turnover.<\/span><\/p>\n

\u201c<\/span><\/i>We see that credit cards have become an everyday tool for customers \u2013 for purchases, money transfers, and payments for services and logistics. At the same time, lending rules are not static: we are constantly adapting scoring models and approaches to setting limits in line with customer behaviour, accumulated statistics, and current realities,<\/span><\/em>\u201d<\/span><\/i> said Bohdan Hryvko, Risk Management Director at NovaPay<\/strong>.<\/span><\/p><\/blockquote>\n

As a reminder, you can apply for a credit card in just a few taps via the NovaPay app. The system makes a decision on the credit limit within 10 seconds.<\/span><\/p>\n

The NovaPay credit card combines classic credit functionality with benefits for customers of the NOVA ecosystem. Users can receive up to 20% cashback when paying by credit card for Nova Poshta deliveries and on cash-on-delivery fees (provided the parcel is sent via\u00a0 cash-on-delivery).<\/span><\/p>\n

The maximum credit limit is up to UAH 200,000, with a loan term of 60 months under the agreement with NovaPay Credit LLC and 12 months with NovaPay LLC. The effective annual interest rate is 79,59% per annum. The limit is revolving: once funds are repaid, the available limit is automatically replenished.<\/span><\/p>\n

* The credit card has been created using credit products from two companies operating under the NovaPay brand: cards from NovaPay LLC and a revolving credit line from NovaPay Credit LLC.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"In May 2025, NovaPay* launched its own credit card \u2013 and since then, over 74,000 customers have signed up for it. 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