How much can I earn from credit card cashback?

With spending of PLN 3,000 per month and 2% cashback (BNP Paribas) you will earn PLN 720 per year. With 1.5% cashback (mBank) it will be PLN 540 per year. The amount grows proportionally to your spending.

Is cashback calculated on every transaction?

Yes, most cards calculate cashback on every cashless transaction — both in-store and online. Cashback is not calculated on ATM withdrawals, fees or interest.

When is cashback paid out?

It depends on the bank. Most commonly cashback is settled once a month and automatically reduces the card balance or is transferred to a personal account. Some banks pay out cashback quarterly.

Which card has the highest cashback?

The highest cashback is offered by BNP Paribas — 2% on all transactions. Among free cards the leader is mBank with 1.5% cashback. It is worth comparing cashback against the annual fee to choose the most cost-effective card.

Is cashback subject to tax?

No. Cashback from credit cards is treated as a discount on transactions, not as income. It does not need to be declared in a tax return and is not subject to income tax.

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

Cashback credit cards — comparison 2026

Cashback credit cards return between 0.5% and 2% of the value of every cashless transaction. The highest cashback of 2% is offered by BNP Paribas. Among free cards the leader is mBank with 1.5% cashback. With spending of PLN 3,000 per month you will earn PLN 360–720 per year.

Cashback is the simplest way to save on everyday purchases. Below we compare credit cards with a cashback programme — from the highest return percentage, taking into account the annual fee, to help you choose the card with the best net return.

Cashback cards — July 2026

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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
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
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

How much will you earn from cashback?

Monthly spending	0.5%	1%	1.5%	2%
PLN 2,000	PLN 120	PLN 240	PLN 360	PLN 480
PLN 3,000	PLN 180	PLN 360	PLN 540	PLN 720
PLN 5,000	PLN 300	PLN 600	PLN 900	PLN 1,200
PLN 10,000	PLN 600	PLN 1,200	PLN 1,800	PLN 2,400

* Annual amounts, before deducting any card annual fee.

Cashback credit cards — comparison 2026

Cashback cards — July 2026

Credit card with rewards up to PLN 300

Credit Card with the Bison

Provi Sm@rt credit card

How much will you earn from cashback?

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