Who it suits
For people deciding whether their actual exchange, travel and insurance use justifies a paid plan.
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Plan comparison
Compare costs, not the length of the perks list.
Premium sits between free Standard and more expensive Metal. It works when the value you use covers the price difference.
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When to look elsewhere
Do not choose from the benefit list alone; unused perks have no value.
Practical scenario
List last year’s exchange, withdrawals and separate insurance, then compare them with Kč 2,440 for annual Premium.
Standard
No subscription, with lower allowances and a weekend exchange markup.
Premium
A higher ATM allowance, no additional fair-use or weekend exchange fee, and travel insurance subject to terms.
Metal
A higher price and more benefits. Do not pay for a metal card unless the other differences matter.
Before you start
- Add up your annual exchange and withdrawals.
- Value only benefits you already use.
- Read insurance and cancellation terms.
- Compare annual and monthly billing.
Official sources
Last checked: 9 October 2026
Frequently asked questions
Is annual billing cheaper?
It was cheaper than 12 monthly payments at the check date; consider commitment and cancellation terms.
Premium or Metal?
Choose on limits and benefits you use, not card appearance.
Does Premium include free lounges?
The terms mention discounted lounge passes, not universal unlimited free entry.