netcredit.pl - affiliate program

Product parameters:

➢ Credit limit from 500 – 5000 PLN (max for a new client – 3000 PLN)

➢ Only virtual card

➢ Contract for 360 days

➢ 30-day billing cycles

➢ IBAN transfer available on the profile + fast cash transfer after registration

➢ E-wallet available (G-Pay and Apple Pay available)

➢ First 30 days with APR: 0% for new customer

➢ The attractive commission is only 16% for the used amount



Who can apply for virtual card?

A customer can apply for a virtual credit card if:

➢ Is a Polish citizen

➢ Ages 20-70

➢ Has an account in a Polish bank

➢ Has regular monthly income

➢ Has an active e-mail address

➢ You have an active polish mobile phone

➢ Has a positive credit history



Customer journey – main information

➢ Short process

➢ Wide number of verification methods

➢ Clear processes supported by transactional, marketing and CC communication

➢ Transparent and easy to sign contract - no need to scan ID or any additional documents.

➢ Possibility to transfer chose amount, up to 90% granted limit



New representative example with disclaimer.



The lender and issuer of the Netcredit Credit Card is Fincard sp. z o. o., providing payment services as a National Payment Institution, entered into the register maintained by the Polish Financial Supervision Authority under number IP62/2024.



Fincard sp. z o. o. with its registered office at 87 Grzybowska Street, 00-844 Warsaw, entered into the register of entrepreneurs of the National Court Register by the District Court for m.st of Warsaw, 13th Commercial Division of the National Court Register under the KRS number 0000803716, NIP (Tax Identification Number) 527-290-56-34, REGON (National Business Registry Number) 384357760, share capital of PLN 14,000,000.00, which has been fully paid up.



Representative example for a Netcredit Credit Card Credit Limit of PLN 1,000.00: Annual Percentage Rate (APR) is 40.71% (calculated as at October 9, 2025); total limit amount: PLN 1,000.00; annual variable interest rate: 16.00%; total cost: PLN 301.40, including: Commission PLN 180.40, Interest PLN 121.00; contract period: 360 days; total amount to be repaid: PLN 1,301.40.