Looking for the best Credit Cards in Poland? We have compared 15 Credit Cards from top banks in Poland to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Poland (2026)
1. Millennium Impresja Gold
Bank: Bank Millennium
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Bank Millennium Impresja Gold offers 5% cashback and 0% installments in 6, 9 or 12 months. Features credit limit up to PLN 50,000, up to 51 days interest-free on all transactions, no fees with 5 month
2. Millennium MC Platinum
Bank: Bank Millennium
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, comprehensive insurance, and Mastercard World benefits.
3. Millennium Visa
Bank: Bank Millennium
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard card with purchase protection, contactless payments, and Millennium rewards.
4. ING PL MC Gold
Bank: ING Bank Slaski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold Mastercard with travel insurance, dining offers, and enhanced rewards earning.
5. ING PL Platinum MC
Bank: ING Bank Slaski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, comprehensive insurance, and Mastercard Platinum benefits.
6. ING PL Visa
Bank: ING Bank Slaski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard Visa with competitive rates, purchase protection, and ING Moje rewards.
7. mBank Visa Gold
Bank: mBank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold card with travel insurance, airport assistance, and enhanced cashback on categories.
8. mBank Visa Standard
Bank: mBank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Digital-first card with instant issuance, purchase protection, and mBank app integration.
9. mBank World MC
Bank: mBank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium Mastercard World with lounge access, comprehensive insurance, and lifestyle privileges.
10. PKO MC Gold
Bank: PKO Bank Polski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold card with travel insurance, dining benefits, and enhanced PKO loyalty rewards.
11. PKO MC Platinum
Bank: PKO Bank Polski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, comprehensive travel insurance, and concierge services.
12. PKO MC Standard
Bank: PKO Bank Polski
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard Mastercard with purchase protection, contactless payments, and PKO rewards program.
13. Santander BestCard Basic
Bank: Santander
- Annual Fee: EUR 0
- Interest Rate: 14.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Basic is a permanently free Visa credit card with 4 free cash withdrawals per month, 1% fuel discount at gas stations, and travel booking discounts. No Santander account require
14. Santander BestCard Extra
Bank: Santander
- Annual Fee: EUR 49/year
- Interest Rate: 12.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Extra provides more extras for shopping and travel with 4 free cash withdrawals per month, 1% fuel discount, travel insurance coverage, and expanded purchase protection. Mid-tie
15. Santander BestCard Premium
Bank: Santander
- Annual Fee: EUR 99/year (EUR 75 with Santander account)
- Interest Rate: 11.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Premium offers unlimited free cash withdrawals worldwide, 1% fuel discount, 7% travel booking discount, comprehensive travel insurance, and fee-free foreign currency transaction
How to Choose a Credit Card in Poland
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Poland for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Poland now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Poland?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Poland →
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How We Compare Best Credit Cards in Poland 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Poland. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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