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

Free credit cards — PLN 0 annual fee

A free credit card is a card with zero annual fee, either unconditionally or upon meeting a simple condition (e.g. min. PLN 300 in monthly transactions). In 2026, the best free cards are offered by mBank and Citi — with no conditions and with cashback.

Free credit cards are an excellent choice for those looking to save money. Below you will find cards with a PLN 0 annual fee — both unconditionally free and those with easy-to-meet fee waiver conditions.

Credit cards for PLN 0 — April 2026

RECOMMENDED

Citi Handlowy

Karta kredytowa Citi Simplicity z cashbackiem

Karta z cashbackiem — zwrot za zakupy, brak opłaty rocznej przez pierwszy rok.

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Citi Handlowy

Karta kredytowa Citi Simplicity

Karta kredytowa z bonusem powitalnym — nawet 1200 zł do Allegro.

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Citi Handlowy

Karta Kredytowa World Mastercard

Karta premium World Mastercard — ubezpieczenie podróżne, concierge, Priority Pass.

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Citi Handlowy

Karta Kredytowa Citibank-BP Motokarta

Karta dla kierowców — rabaty na paliwo BP, cashback za tankowanie.

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BNP Paribas

Karta kredytowa z nagrodami do 300 zł

Karta z bonusem powitalnym do 300 zł i programem nagród.

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Bank Pekao

Karta Kredytowa z Żubrem

Karta kredytowa Banku Pekao — szeroki program rabatowy, darmowa obsługa.

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Provident

Karta kredytowa Provi Sm@rt

Karta kredytowa z uproszczoną procedurą — łatwy dostęp do dodatkowych środków.

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* Conditionally free — cards marked with an asterisk require meeting a minimum condition (e.g. transaction amount) for the annual fee to be PLN 0. Check the details in the bank's terms and conditions.

Free vs. paid credit card

Free credit cards offer the same basic features as paid cards — interest-free period, cashback and the ability to pay online. The difference lies in additional benefits. Paid cards (PLN 99–300/year) often include:

Travel and personal accident insurance
Higher cashback (up to 2%)
Airport lounge access
Concierge service

If you do not use these benefits, a free credit card will be the better choice.

Często zadawane pytania

Which credit cards are truly free?

Unconditionally free (PLN 0 with no conditions) are the mBank and Citi Simplicity cards. Other cards offer a waiver of the annual fee upon meeting a condition — e.g. a minimum transaction amount or number of operations per month.

Does a free credit card have hidden fees?

No, if you repay the balance within the interest-free period. Additional costs may arise from ATM cash withdrawals (3–5% commission), currency conversion or late repayment (penalty interest).

What conditions must be met for the card to be free?

It depends on the bank. The most common conditions are: a minimum monthly transaction amount (PLN 300–500), a minimum number of transactions (3–5 per month) or holding a personal account at the given bank.

Does a free credit card have a lower limit?

No. The card limit depends on creditworthiness, not on the annual fee. Free cards offer limits up to PLN 60,000–65,000 — comparable to paid cards.

Can I have several free credit cards?

Yes. There are no restrictions on the number of free cards. Remember that each limit reduces your creditworthiness. Holding 2–3 free cashback cards can be worthwhile if you repay them on time.