DEBIT AND CREDIT CARD SERVICES

Starting May 4, 2026, we will replace OneCard credit cards with Visa Classic or Visa Platinum credit cards, in accordance with the types described above.
The PIN code, settings, and terms and conditions of the Visa credit card issued as a replacement are identical to those of the OneCard credit card. 
You must activate online purchases in the myRaiffeisen mobile app under the “My Products/My Cards” menu using the “Online Purchases” button.
Our retail customers will receive the new Visa credit card by mail at their postal address,  and it will also be available in digital form in the myRaiffeisen mobile app.
Our Private Banking customers will receive their Visacredit card at the mailing address on file with the Bank (or, if none is available, at their permanent address), or we will send it to a bank branch—in accordance with their previous instructions.

The Visa credit card displayed in digital form in the myRaiffeisen mobile app can be activated immediately and used via Apple Pay or Google Pay.
To use the credit card to its full extent, you must also activate the physical credit card sent by mail, as described in the accompanying letter.
If you have previously provided your card details to an online merchant or service provider (for example, to pay subscription fees regularly by card), please remember to update your card details after activating your Visa credit card. 
We will keep you informed about the current steps in the credit card replacement process via email, as well as through push or SMS notifications.
If you have not received your Visa credit card to replace your existing Onecard credit card by the end of May, please notify our call center immediately.

If you hold an Oxygen Standard, Gold, or Premium Gold credit card, the terms and conditions of your credit card will change. This change requires an amendment to your contract, which can be processed at any Raiffeisen branch after May 4, 2026.

Details of the features and terms of the Visa Classic and Visa Platinum credit cards can be found in the Retail Credit Card Terms and Conditions after May 4, 2026, but we have highlighted the most important points here as well:

• Under the Raiffeisen Loyalty Program, you can earn double points with the Visa Classic credit card and triple points with the Visa Platinum credit card. The points earned can be redeemed for continuously updated discounts ranging from 5% to 50% and special offers at partners participating in the Loyalty Program.
• You can receive a 1% credit, up to 3,000 HUF per quarter, on purchases made with your Visa credit card at grocery stores, supermarkets, and hypermarkets.

In addition, the terms and conditions of the Visa credit card will differ from those of the current Oxygen credit card; the most important changes are:

• Visa credit cards have only a monthly fee, there is no annual fee
• Visa Platinum credit cards have both a monthly fee and an annual fee
• interest rates on Visa credit cards are determined based on the central bank’s base rate plus a markup, and differ from the interest rates on Oxygen credit cards.

The Visa credit card issued after the re-contracting at the bank branch will be issued with a new PIN code and standard usage limits and features. You can view the PIN code in the myRaiffeisen mobile app, where you can also set custom limits.
During the re-contracting process, you will have the opportunity to request additional services on the application form and contract amendment form, such as optional travel insurance, the Mobile Banking SMS service, setting up automatic repayment options, or linking your Visa credit card to the Raiffeisen Direkt and Direktnet services.
During the re-contracting process, the new Visa credit card will be issued immediately in digital form in the myRaiffeisen mobile app following processing, where it can be activated right away and used via the Apple Pay or Google Pay apps.
In order to use the credit card to its full extent, the physical card—which will be mailed in a few days—must also be fully activated as described in the accompanying letter.
If you have previously provided your card details to an online merchant or service provider (for example, to pay subscription fees regularly by card), please remember to update your card details after activating your Visa credit card. 

The most important change during the card replacement process is that, instead of the single card you’ve been used to, you will have two separate cards after the replacement: a Visa debit card (Classic or Platinum) and a Visa credit card (Classic or Platinum). With the debit card, you will have access to your bank account; you can withdraw cash from it, but you can also use it to make purchases. With your Visa credit card, you can spend from your credit card account, use it to make purchases, or withdraw cash. Of course, you also have the option to apply for just a debit card or just a credit card instead of the Versatile Clever Card.

When amending your contract, you have the option to choose a different type of Visa debit or credit card.

Simultaneously with the card replacement, the card’s features and terms will change; therefore, it is necessary to amend the credit card contract, which you can do at any Raiffeisen bank branch after May 4, 2026.

The features and terms of the Visa Classic debit card are already available on our website. The features and terms and conditions of the Visa Classic and Visa Platinum credit cards will be available in the Retail Credit Card Terms and Conditions effective May 4, 2026. Here are the highlights of the most important benefits:

• Under the Raiffeisen Loyalty Program, you can earn double points with the Visa Classic credit card and triple points with the Visa Platinum credit card. The points earned can be redeemed for continuously updated discounts ranging from 5% to 50% and special offers at partners participating in the Loyalty Program.
• You can receive a 1% credit, up to 3,000 HUF per quarter, on purchases made with your Visa credit card at grocery stores, supermarkets, and hypermarkets.

In addition, the terms and conditions of the Visa credit card differ from those of the current Versatile CLEVER Card; the most important changes are:

• Visa credit cards have only a monthly fee, there is no annual fee,
• Visa Platinum credit cards have both a monthly fee and an annual fee.
• interest rates on Visa credit cards are determined based on the central bank’s base rate plus a markup, and differ from the interest rates on Versatile CLEVER Cards.

For detailed information consult the Retail Credit Card Terms and Conditions.

Instead of a Versatile credit card, a debit card can be issued according to your needs.

The Visa credit card issued after the re-contracting at the bank branch will be issued with a new PIN code and standard usage limits and features. You can view the PIN code of your card in the myRaiffeisen mobile app, where you can also set custom limits.

During the re-contracting process, you will have the opportunity to request additional services, such as optional travel insurance, the Mobile Banking SMS service, setting up automatic repayment options, or linking your Visa credit card to the Raiffeisen Direkt and Direktnet services.

During the re-contracting process, the new Visa credit card will be issued immediately in digital form in the myRaiffeisen mobile app following processing, where it can be activated right away and used via the Apple Pay or Google Pay apps.

In order to fully activate the card, the physical card—which will be mailed in a few days—must also be fully activated as described in the accompanying letter.

If you have previously provided your card details to an online merchant or service provider (for example, to pay subscription fees regularly by card), please remember to update your card details after activating your Visa credit card. 

If you hold both an Oxygen credit card and a Versatile CLEVER Card, you can apply for a VISA credit card only in replacement of one of the two cards.

If you hold a Private Mastercard Platinum credit card, the terms and conditions of your credit card will change, so it is necessary to amend your credit card agreement. To this end, please contact your personal banking advisor after May 4, 2026.

You can find detailed information about the features and terms and conditions of the Visa Classic and Visa Platinum credit cards on our website and in the Private Banking List of Terms and Conditions after May 4, 2026.

After re-contracting at a bank branch, you can view the PIN code for your Visa credit card in the myRaiffeisen mobile app, where you can also set your individual spending limits.

During the re-contracting process, you will have the opportunity to request additional services, such as optional travel insurance, the Mobile Banking SMS service, setting up automatic repayment options, or linking your Visa credit card to the Raiffeisen Direkt and Direktnet services.

During the re-contracting process, the new Visa credit card will be issued immediately in digital form in the myRaiffeisen mobile app following processing, where it can be activated right away and used via the Apple Pay or Google Pay apps.

In order to use the credit card to its full extent, the physical card—which will be mailed/available for pickup at a bank branch in a few days—must also be fully activated as described in the accompanying letter.

If you have previously provided your card details to an online merchant or service provider (for example, to pay subscription fees regularly by card), please remember to update your card details after activating your Visa credit card. 

If you have both a principal and an additional card, both the principal and additional cards will be replaced at the same time. If a contract amendment is required for the card replacement (in the case of an Oxygen credit card or a Versatile CLEVER Card), the principal cardholder and the additional cardholder must visit a Raiffeisen bank branch together to sign the contract amendments. The principal and additional card types for the new Visa credit card must match; that is, the additional card type will be the same as the principal card type.

Upon activation of the new Visa credit card (either principal or additional), the Bank will automatically cancel the previous Mastercard credit cards—including the principal and additional cards, as well as the Versatile CLEVER Card. In addition to activating the additional card, the principal card must also be activated in all cases. If the new Visa principal card is not activated, the Bank will terminate the amended contract, and upon termination of the contract, both the principal card and the additional card will be cancelled, of which the Bank will send a separate notification. To avoid this, we will send a prior notification in a timely manner, which will include the necessary steps to take.