Credit cards without BIK check — offers without credit history verification
A credit card without a BIK check is a card issued without a full check of the Credit Information Bureau history. Banks offer them with a lower limit (up to PLN 15,000), verifying mainly the applicant's current income rather than past liabilities.
If you have a limited credit history or negative entries in BIK, you can still obtain a credit card. Below you will find banks that offer simplified verification and do not require a full BIK report.
Important: The term "without BIK" means simplified verification, not a complete absence of checks. Banks always verify the applicant's identity and basic financial details.
Credit cards with simplified BIK verification — July 2026
Credit card with rewards up to PLN 300
RRSO22.04%Nagrodaup to 450 PLN22.04%rrsoup to 450 PLNnagroda
Provi Sm@rt credit card
RRSO55.28%Nagrodaup to 1000 PLN55.28%rrsoup to 1000 PLNnagrodaLimit up to 15 000 PLN
Card without BIK check vs. standard credit card
| Feature | Card without BIK | Standard card |
|---|---|---|
| Limit | up to PLN 15,000 | up to PLN 100,000 |
| Verification | Simplified | Full BIK history |
| Cashback | 0.5–1% | 0.5–2% |
| Interest-free period | 50–54 days | 52–58 days |
| Decision time | 1–3 days | from 15 minutes |
How to improve your chances of getting a credit card?
1. Open an account at the bank — banks are more willing to issue cards to their customers who have regular income flowing into their accounts.
2. Document your income — a salary certificate or bank statement showing regular income increases your chances.
3. Start with a low limit — it is easier to obtain a card with a PLN 3,000–5,000 limit. After timely repayments the bank will offer an increase itself.
4. Repay existing liabilities — fewer active debts means higher creditworthiness.
