Raiffeisen "100 days" credit card: a grace period of up to 100 days

The "100 days" credit card is Raiffeisen Bank's flagship credit card. Its main advantage is a long grace period of up to 100 days, during which no interest is charged on purchases if you repay what you spent on time. Let's look at how it works, how to get it and use it without overpaying.

What's special about "100 days"

Unlike regular credit cards with a 30–55 day grace, here the grace period can reach 100 days on purchases. That gives more time to repay the credit funds interest-free — convenient for large purchases you want to spread over time.

How to get it

1. Apply in the Raiffeisen mobile app or at a branch.
2. The bank assesses a credit limit based on your data.
3. After approval the limit becomes available for purchases.
4. Repay what you spent within 100 days to avoid interest.

Screenshot: applying for the "100 days" card in the Raiffeisen app

Grace period and minimum payment

To use the credit for free, repay the debt before the grace period ends. Each month you must also pay at least the required minimum payment (part of the debt + interest, if accrued). The date and amount are shown in the app.

How to use it without overpaying

• repay what you spent before the 100-day period ends;
• don't withdraw credit funds as cash — the grace period usually doesn't apply to withdrawals;
• watch the payment date to avoid being late;
• keep track so new purchases don't overlap in a way that makes you lose the repayment date.

What happens if you're late

If you don't make the minimum payment on time, the bank charges interest on the balance at the contract rate, a penalty is possible, and the late payment goes into your credit history. So pay by the stated date.

FAQ

Is it really 100 days interest-free?

The grace period can reach 100 days on purchases provided you repay on time. See the exact terms and counting order in the contract and app.

Does the grace period apply to cash withdrawals?

Usually no — grace covers purchases, while withdrawing credit funds as cash often incurs interest and a fee right away.

How do I check the limit and payment date?

The current limit, used amount and payment date are shown on the card in the Raiffeisen app.

What if I only pay the minimum?

The card stays in good standing, but interest accrues on the balance. It's better to repay the full amount within the grace period.

Limits, rates and grace-period length may change — check current terms in the Raiffeisen app or on the bank's website.