RB PREMIUM credit card

Becoming a credit card holder is very easy. You only need:

• You must be at least 18 years old
• Regular net monthly income of at least 12,000 CZK
• Czech national or permanent resident in the Czech Republic
• Identity card
• Contact telephone number
• If applicable, proof of income, tax return or pension statement

If your card is lost or stolen, or if the specific data of your card are abused, immediately call the NONSTOP info line at 800 900 900 to block the card (dial +420 412 446 400 if calling from abroad).

Our bankers on the Info line will block your card right away to keep your funds safe.

There are several ways to activate your debit card:

• in person at any of Raiffeisenbank's branch offices
• by calling the NONSTOP info line at 800 900 900 or the Business line at 841 164 164
• for selected accounts, online via the internet banking under the Payment cards / Card receipt confirmation menu

If your card supports contactless transactions, make one chip-based transaction and enter your PIN to activate them.

To activate your credit card:

• just make one chip-based transaction and enter your PIN; this also activates contactless transactions

If you suspect abuse of your card, immediately block it by calling the NONSTOP info line at 800 900 900. Report the event to the Czech Police (or the nearest relevant authority if the card is abused abroad) and file a report of crime.

To claim a transaction billed in your account as invalid, you need to submit a written complaint at any of Raiffeisenbank's branch offices without delay. The form completed by the Czech Police or the relevant authority abroad is to be attached to the written complaint.

If your insurance is taken out with UNIQA pojišťovna a.s.:

In the case of an insurance claim, immediately contact EuropAssistance at +420 296 333 696. They will give you the contact details of the nearest contracting healthcare facility and advise you on what to do and which documents you need to keep for the claim procedure in the Czech Republic. Once you return to the Czech Republic, complete the Claim Report and send it with the relevant documents to UNIQA.

If your insurance is taken out with BNP Paribas Cardif Pojišťovna, a.s.:

In the case of an insurance claim, immediately contact Cardif Assistance at +420 234 240 244, who will assist you in dealing with all the issues related to your claim. They will give you the contact details of the nearest contracting healthcare facility and advise you on what to do and which documents you need to keep for the claim procedure. Also, they will send you the required forms, typically the Claim Report, along with the address to send all the documents to.

In the event of an insurance claim, immediately contact the insurance provider:

BNP Paribas Cardif Pojišťovna, a.s.
Plzeňská 3217/16
150 00 Prague 5

Tel: +420 234 240 271
Fax: +420 234 240 112
e-mail: czinfo@cardif.com

Contactless technology lets you pay for your purchases by merely tapping your card near a contactless point of sale terminal. Once you hear a beep, the payment is done. Usually, PIN is not required for payments under 500 CZK.

Payment cards let you make various payment operations, giving you flexibility and a number of benefits.

Pay at retailers - Shop without having to keep cash on you, free of worries of losing it. Moreover, you pay no fees for making payments at retailers. Selected credit cards also give you money back for your purchases.

Shop online, use telephone orders and payments - If you use online transactions or telephone orders and payments, you need to know the number of your card, its validity and the CVC2/CVV2 code that is located on the back of the card next to the signature strip. To make payments via an online payment gateway, e-commerce transactions must be enabled for your card.

Withdraw cash from ATMs - An extensive network of ATMs marked with the MasterCard or VISA logo is available for your cash withdrawals. Locations of Raiffeisenbank's ATMs can be found here.

Primarily your debit card serves for cash withdrawals. Your credit card also lets you withdraw cash from an ATM; however, such withdrawals are subject to an agreed interest rate.

Use Cash Back to withdraw cash from a retailer - This convenient service lets you withdraw cash using your card at a retailer. Cash Back spares you the time of finding an ATM or the walk to it.

How Cash Back works: Cash in an amount of your choice (up to 1,500 CZK) is added to a card payment exceeding 300 CZK made at a retailer.

You do not need to worry when making contactless payments. Your personal data are not available to the retailer when you make a contactless transaction, which gives you an even higher degree of privacy than traditional card payments. When making a payment at a retailer, you keep the card in your hand, having it under your control all the time. The applied data security measures prevent any copying of your card from the data collected when making the payment or in any other feasible way. Thus, you do not need to worry that the point of sale terminal operator or anyone around might be able to copy your card.

You can take out the following supplementary insurance products to your payment cards, subject to a fee unless included in the price of the card:

• travel insurance for debit and credit cards (provided by UNIQA pojišťovna a.s.);
• debit card abuse insurance (provided by UNIQA pojišťovna a.s.);
• credit card payment protection insurance (provided by BNP Paribas Cardif Pojišťovna, a.s.).

There are several ways to take out the optional insurance:

• in person at any of Raiffeisenbank's branch offices - a list of branch offices is available here;
• by calling the NONSTOP toll-free info line at 800 900 900;
• for debit cards issued to selected account types, online via the internet banking under the Payment cards / Payment card settings / Payment card insurance menu.

In the case of card abuse, immediately block it by calling the NONSTOP toll-free info line at 800 900 900 (dial +420 412 446 400 if calling from abroad).

Report the event to the Police (in the Czech Republic or abroad) and file a report of crime. To consequently claim a transaction billed in your account as invalid, submit a written complaint at any of Raiffeisenbank's branch offices or complete the form available at www.rb.cz immediately after you detect such transaction.

Report your insurance claim to UNIQA by calling +420 488 125 125.

The terminal must send an instruction to make the transaction. If the payment fails during the first attempt, no repeated payment is made as the terminal no longer sends any payment request.

To make payments via an online payment gateway, e-commerce transactions must be enabled for your card. By default, e-commerce transactions are disabled when the card is issued, unless otherwise agreed when concluding the card agreement. There are several ways to enable e-commerce transactions:

• in person at any of Raiffeisenbank's branch offices;
• by calling the NONSTOP toll-free info line at 800 900 900;
• for debit cards issued to selected account types, online via the internet banking under the Payment cards / Payment card settings / E-commerce menu.

Currently, it is the latest security standard used by Raiffeisenbank to ensure higher security of online payments made with the bank's payment cards. With the service, online card payments are now even more secure. Payments for goods are confirmed using a unique one-off code (3D Secure code) sent in a text message to the provided mobile phone number. The entire service is free of charge, including activation or text messages containing the one-off codes.

The service can be activated by making your next online purchase. After finding the goods in an e-shop and entering your payment card details, you will be automatically redirected to a site to complete the service activation in three easy steps.

• Enter your identification data
• Enter the telephone number to send text messages containing the one-off code
• Enter the one-off code received as text to your mobile phone and confirm

If the service is already active for your card, you will confirm your next online payments by typing in the one-off codes sent to your phone.