How does a credit card differ from a debit card?

A debit card uses funds from your bank account, while a credit card uses a limit granted by the bank. With a credit card you pay with borrowed money that must be repaid by a set date — ideally within the interest-free period.

How much does a credit card cost?

Many credit cards are free (PLN 0 per year) provided you make a minimum number of transactions. Premium cards cost between PLN 50 and PLN 300 per year but offer extra benefits such as insurance or higher cashback.

What is the interest-free period?

The interest-free period is the time (usually 54–58 days) during which you pay no interest on credit card purchases. If you repay the full balance before it ends, you use the bank's money for free.

Does a credit card affect creditworthiness?

Yes. The credit limit itself reduces your creditworthiness even if you do not use it. Banks treat an assigned limit as a potential liability. Timely repayments build a positive credit history in BIK.

How do I choose the best credit card?

Pay attention to: annual fee, length of the interest-free period, cashback rate, limits and additional benefits. If you repay on time, look for the card with the highest cashback and zero annual fee.

Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Kreddo.pl Editorial Team

Credit cards — comparison and ranking 2026

A credit card is a payment instrument with a credit limit granted by the bank. It lets you pay with borrowed funds and repay them interest-free during the interest-free period (54–58 days). The best cards offer cashback up to 2% and zero annual fee.

Compare credit cards from leading banks in Poland. Our comparison covers annual fee, interest-free period, cashback and additional benefits. Find a card tailored to your needs — from free cards to premium cards with insurance.

Credit card comparison — July 2026

A summary of the best credit cards from Polish banks.

Sort by:

Financial offer
RECOMMENDED
Interest rate15.5%
Interest-free52 days
Annual fee35 PLN
15.5%interest rate
52 daysinterest-free
35 PLNannual fee
ING Bank Śląski · ING Bank Śląski — see current terms and apply online.
Lowest annual feeLowest interest rateLimit up to 20 000 PLN
Check card
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee120 PLN
18.5%interest rate
54 daysinterest-free
120 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Limit up to 20 000 PLN
Check card
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee96 PLN
18.5%interest rate
54 daysinterest-free
96 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Limit up to 10 000 PLN
Check card
4
4
Financial offer
Interest rate18.28%
Interest-free51 days
Annual fee96 PLN
18.28%interest rate
51 daysinterest-free
96 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 100 000 PLN
Check card
5
5
Financial offer
Interest rate18.5%
Interest-free56 days
Annual fee150 PLN
18.5%interest rate
56 daysinterest-free
150 PLNannual fee
Bank BPS · Bank BPS — see current terms and apply online.
Longest interest-free periodLimit up to 50 000 PLN
Check card
6
6
Financial offer
Interest rate17.75%
Interest-free55 days
Annual fee60 PLN
17.75%interest rate
55 daysinterest-free
60 PLNannual fee
PKO Bank Polski · PKO Bank Polski — see current terms and apply online.
Limit up to 20 000 PLN
Check card
7
7
Financial offer
Interest rate15.5%
Interest-free52 days
Annual fee100 PLN
15.5%interest rate
52 daysinterest-free
100 PLNannual fee
ING Bank Śląski · ING Bank Śląski — see current terms and apply online.
Lowest interest rateLimit up to 50 000 PLN
Check card
8
8
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee60 PLN
18.5%interest rate
51 daysinterest-free
60 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 15 000 PLN
Check card
9
9
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee156 PLN
18.5%interest rate
51 daysinterest-free
156 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 50 000 PLN
Check card
10
10
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee180 PLN
18.5%interest rate
54 daysinterest-free
180 PLNannual fee
Santander Consumer Bank · Santander Consumer Bank — see current terms and apply online.
Limit up to 10 000 PLN
Check card
11
11
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee69 PLN
18.5%interest rate
51 daysinterest-free
69 PLNannual fee
Bank BPS · Bank BPS — see current terms and apply online.
Limit up to 20 000 PLN
Check card
12
12
Financial offer
Interest rate18.5%
Interest-free56 days
Annual fee200 PLN
18.5%interest rate
56 daysinterest-free
200 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Longest interest-free periodLimit up to 50 000 PLN
Check card
13
13
Credit card with rewards up to PLN 300
RRSO22.04%
Nagrodaup to 450 PLN
22.04%rrso
up to 450 PLNnagroda
Bank BNP Paribas S.A. · Card with a welcome bonus up to PLN 300 and a rewards programme.
Check card
14
14
Credit Card with the Bison
RRSO15.11%
Nagrodaup to 1000 PLN
15.11%rrso
up to 1000 PLNnagroda
Bank Pekao · Bank Pekao credit card — broad discount programme, free servicing.
Check card
15
15
Provi Sm@rt credit card
RRSO55.28%
Nagrodaup to 1000 PLN
55.28%rrso
up to 1000 PLNnagroda
Provident · Provi Sm@rt card — revolving limit up to PLN 15,000, "Card in play" promotion: cashback up to PLN 1,000 for new customers. APR 55.28%.
Limit up to 15 000 PLN
Check card