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

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 — April 2026

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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.

Często zadawane pytania

Can you get a credit card without a BIK check?

Yes, but with limitations. Some banks offer cards without a full BIK credit history check, basing their decision on the applicant's income. The limits on such cards are lower (up to PLN 10,000–15,000) and conditions may be less favourable.

Why do banks check BIK?

BIK (Credit Information Bureau) stores credit history. Banks check it to assess the risk of non-repayment. A good BIK history makes it easier to obtain a card with a higher limit and better conditions.

Is a card without a BIK check more expensive?

Not necessarily more expensive in terms of annual fee, but it usually offers a lower credit limit (up to PLN 10,000–15,000) and lower cashback. The interest rate on debt is similar to standard cards.

How can I improve my BIK history?

Repay all liabilities on time — instalments, bills, subscriptions. Every timely repayment builds a positive BIK score. After 6–12 months of regular repayments your score will improve significantly.

Does a negative BIK history rule out a credit card?

Not always. Banks analyse the type and age of arrears. Minor delays from several years ago have less impact. The most important factor is the current financial situation and present income.