Detailed terms and conditions of the bank cards are available in the Raiffeisen OKOSkártya, Debit and Credit Card List of Conditions, Premium Banking List of Conditions, the General Terms and Conditions of the Loyalty Programme, the Retail Business Rules and the General Terms and Conditions, which can be found on the Bank's website or at our branches.

Fees, terms and conditions – Premium Banking
Lists of fees
Useful information for debit and credit card services
Information about the security requirements for card use outside Europe 

¹ Based on the effective Premium Banking List of Conditions, in case of Premium Banking accounts, 2 cash withdrawals in Hungary (from any ATM) and 2 withdrawals abroad (in any EEA country) and, in case of Premium Banking Plus accounts, 3 cash withdrawals in Hungary (from any ATM) and 3 withdrawals (in any EEA country) are free of charge per month. 
² The discounted fee will be applied if the Customer carries out purchase transactions with the given debit card in a total amount of at least HUF 1,500,000 in the 12 months preceding the charging of the annual fee in the case of a Premium Banking account, or HUF 2,500,000 in the case of a Premium Banking Plus account.
Premium Start CLEVERCard annual fee is 0 Ft in the first year and remains free from the second year onwards, provided the customer meets the purchase conditions in the 12 months preceding the annual fee charge. If the condition is not met, the promotional fee is 8,500 Ft until 2026.06.30, non-promotional fee: 8,814 Ft.
The Premium Mastercard Platinum annual fee is promotional until 2026.06.30: in the first year, 26,250 Ft with a Premium Banking account, 17,500 Ft with a Premium Banking Plus account; from the second year onwards, 35,000 Ft for both account types. The non-promotional fee in the first year is 27,221 Ft with a Premium Banking account, 18,147 Ft with a Premium Banking Plus account; from the second year onwards, 36,295 Ft for both account types. By meeting the purchase conditions, a reduction of 25% of the annual fee is available with a Premium Banking account, and 50% with a Premium Banking Plus account.

In light of the measures proposed by the Ministry of National Economy to curb inflation, the Bank has decided to offer promotional discounts on certain fees from May 1, 2025, to June 30, 2026. The discounted fees included in this promotion will be indicated in the relevant Conditions Lists. The Bank reserves the right to modify or terminate these promotions with two months' prior notice to affected customers if unforeseen significant and adverse changes occur in the circumstances existing at the time of the promotions' announcement—particularly in the legal and regulatory environment applicable to the Bank—that make it unreasonable to maintain these promotional fees under unchanged conditions.