Miles & More credit card/banking in Poland
Mar 9, 2017, 12:28 pm
#3
FlyerTalk Evangelist
Join Date: Oct 2008
Posts: 11,551
I see three cards in PL that earn miles.
The Citi cards. Diners and mBank.
They are all horrific by even UK standards, less so by continental European and a complete joke to Americans but the market is what it is.
Whats the consensus on which is the best card in PL? While I know the earnings are very poor I am loathe to spend even 1zl and not earn some Miles. Sending money back to the UK each month to pay a UK card doesn't seem worth it to cover basic living expenses.
I think only Diners and Citi have some manoeuvrability to other FFPs.
The Citi cards. Diners and mBank.
They are all horrific by even UK standards, less so by continental European and a complete joke to Americans but the market is what it is.
Whats the consensus on which is the best card in PL? While I know the earnings are very poor I am loathe to spend even 1zl and not earn some Miles. Sending money back to the UK each month to pay a UK card doesn't seem worth it to cover basic living expenses.
I think only Diners and Citi have some manoeuvrability to other FFPs.
Mar 16, 2017, 6:55 am
#5
Join Date: Dec 2016
Location: WAW
Programs: A3(*G), Marriott Platinum, Hilton Diamond, IHG Diamond Ambassador
Posts: 2,534
Whats the consensus on which is the best card in PL?
I tried getting one of the mBank M&M cards recently but got rejected. I'm a freelancer and Polish banks REALLY hate self-employed people! If you have a full time job in Poland (umowa o prace) it should be easy. Otherwise, expect the bank staff to set the dogs on you.
Mar 16, 2017, 4:47 pm
#6
Join Date: May 2015
Location: RBA / TBS
Programs: AF Gold / Accor Gold / Hilton Diamond / TP Silver / A3 Gold
Posts: 2,741
As you say, the options are all poor when compared to the US/UK but your best bet right now is probably to pick up the no-fee version of the mBank card. The rates were devalued in January (from 5 to 6PLN per mile; 3 to 4PLN for the premium one). If you think you can get enough spend on the card it might be worth considering the premium one for a higher return.
Even with regular contract (umowa o prace) ,. if you earn less than 5/6k net per month you will have to pay more fees
Jun 22, 2021, 9:52 am
#8
Join Date: Dec 2017
Location: WAW
Programs: LH SEN *
Posts: 1,149
mBank in Poland terminates Miles & More credit cards
mBank which has been issuing Miles & More credit cards in Poland, will no longer offer Miles & More credit cards (LOT Basic and LOT Premium).
Current card holders will be able to collect miles for credit card transactions only until 30 SEP 2021, because mBank concludes cooperation with Miles & More.
After 30 SEP you can still use the card, but you won't get any miles.
Current card holders will be able to collect miles for credit card transactions only until 30 SEP 2021, because mBank concludes cooperation with Miles & More.
After 30 SEP you can still use the card, but you won't get any miles.
Last edited by andywaw; Jun 22, 2021 at 9:58 am
Jun 22, 2021, 11:59 am
#10
Join Date: Dec 2017
Location: WAW
Programs: LH SEN *
Posts: 1,149
Diners in Poland has really exclusive terms of application for LOT card, the card is expensive, and - most importantly - not as widely accepted as Visa or MasterCard.
For LOT Senators it is easier to get but still...
I hope another bank will introduce Miles & More card soon, after Pekao SA, Citibank, mBank cooperated with M&M and stopped at some time.
I doubt LH credit cards are available to Polish citizens.
For LOT Senators it is easier to get but still...
I hope another bank will introduce Miles & More card soon, after Pekao SA, Citibank, mBank cooperated with M&M and stopped at some time.
I doubt LH credit cards are available to Polish citizens.
Jun 22, 2021, 12:39 pm
#11
Join Date: Sep 2012
Location: AGH
Posts: 5,961
I thought since the cooperation agreement in 2016, Diners is using the MasterCard network and a Diners Card will just work like a regular MasterCard, i.e., accepted in all POS terminals where MasterCard is accepted... which is basically everywhere besides cash-only business.
Jun 22, 2021, 12:48 pm
#12
Join Date: Dec 2017
Location: WAW
Programs: LH SEN *
Posts: 1,149
I thought since the cooperation agreement in 2016, Diners is using the MasterCard network and a Diners Card will just work like a regular MasterCard, i.e., accepted in all POS terminals where MasterCard is accepted... which is basically everywhere besides cash-only business.
Diners LOT card issued in Poland bears Diners logo only, no MasterCard logo. It starts with digit 3.
I thought cards working in MasterCard system should bear MasterCard logo and start with 5.
But I didn't know about 2016 agreement, maybe you're right.
Jun 23, 2021, 2:32 am
#13
Moderator: Lufthansa Miles & More, India based airlines, India, External Miles & Points Resources
Join Date: Dec 2002
Location: MUC
Programs: LH SEN
Posts: 48,132
EU citizens can get the German DKB M&M CC after opening an account with DKB. The NL residents got that when the M&M CC terminated: Miles & More credit card for Netherlands gone?
Jun 23, 2021, 5:00 am
#14
Join Date: Apr 2019
Location: KRK
Posts: 8
by briefly checking their terms, looks like M&M CC will work for every EU country member:
https://www.miles-and-more-kreditkar...d-credit-card/
Terms direct link:
https://dok.dkb.de/pdf/oas_lh_credit...edingungen.pdf
https://www.miles-and-more-kreditkar...d-credit-card/
Terms direct link:
https://dok.dkb.de/pdf/oas_lh_credit...edingungen.pdf
Jun 23, 2021, 5:10 am
#15
Join Date: Dec 2017
Location: WAW
Programs: LH SEN *
Posts: 1,149
DKB bank speaks German only.
I sent them an inquiry in English via Messenger and they replied they require German language because they conduct all business in German.
I do not speak German and if the bank refuses any communication in English, it means I will not be able to do business with them.
I bet they issue all papers, documents, contracts, account statements in German. I would like to know what I sign.
I'll wait and see what happens here in October after mBank says goodbye to Miles & More.
No pressure, as long as I keep my SEN status.
I sent them an inquiry in English via Messenger and they replied they require German language because they conduct all business in German.
I do not speak German and if the bank refuses any communication in English, it means I will not be able to do business with them.
I bet they issue all papers, documents, contracts, account statements in German. I would like to know what I sign.
I'll wait and see what happens here in October after mBank says goodbye to Miles & More.
No pressure, as long as I keep my SEN status.