Polish · Travel & Getting Around
"Credit card" in Polish: karta kredytowa
karta kredytowa
Credit card in Polish is karta kredytowa. Karta kredytowa is feminine; useful forms are karty kredytowej (genitive), kartę kredytową (direct object) and kartą kredytową (instrumental). Karta kredytowa is a credit card; karta debetowa is a debit card and karta płatnicza is broader.
Identifying or describing credit card
Karta kredytowa jest ważna.Speak with an AI partner · 7 days free
How to pronounce karta kredytowa
Say it
karta kredihtova
/karta krɛdɨtɔva/
In karta kredytowa, y is distinct from the vowel i. The content words in karta kredytowa normally use penultimate stress when they have multiple syllables.
"Credit card" in Polish: quick reference
| Polish | English | When to use |
|---|---|---|
| karta kredytowa | credit card Dictionary form for feminine karta kredytowa. | Dictionary form for feminine karta kredytowa. |
| karty kredytowej | of credit card Genitive form, used for example after nie ma. | Genitive form, used for example after nie ma. |
| kartą kredytową | with credit card Instrumental form after z meaning with. | Instrumental form after z meaning with. |
| kartę kredytową | credit card as a direct object Accusative form, used with many affirmative object-taking verbs. | Accusative form, used with many affirmative object-taking verbs. |
How to use karta kredytowa in real life
- 1Identifying or describing credit card
Karta kredytowa jest ważna.
The credit card is valid.
This sentence uses karta kredytowa to describe credit card in context.
- 2Using credit card in daily life
Mam kartę kredytową przy sobie.
I have my credit card with me.
Notice the form used for karta kredytowa in this practical sentence.
- 3Another use of credit card
Płacę kartą kredytową.
I pay by credit card.
The construction shows how karta kredytowa fits a different situation.
Mistakes English speakers make with karta kredytowa
Incorrect: Nie ma karta kredytowa.
Correct: Nie ma karty kredytowej.
After nie ma, karta kredytowa takes the genitive form karty kredytowej.
Incorrect: z karta kredytowa
Correct: z kartą kredytową
When z means with, use the instrumental: z kartą kredytową. Z can also mean from.
Good to know
Karta kredytowa is a credit card; karta debetowa is a debit card and karta płatnicza is broader.
Read this practice conversation aloud
Describe credit card in two different contexts
Partner
Ułóż zdanie z tym słowem.
Make a sentence with this word.
You
Karta kredytowa jest ważna.
The credit card is valid.
Partner
A teraz podaj inny przykład.
Now give a different example.
You
Mam kartę kredytową przy sobie.
I have my credit card with me.
This is a sample dialogue for reading aloud. Try both parts, then replace a detail with one from your own life.
Explore ChatPal"Credit card" in other languages
FAQ
Common questions about "Credit card" in Polish
What grammatical form is karta kredytowa?
Karta kredytowa is feminine. No article is required with karta kredytowa; surrounding words carry its gender and number agreement.
How does karta kredytowa change as a direct object?
The accusative form is kartę kredytową. For comparison, the genitive is karty kredytowej; negation can change the case required by a verb.
How do I use karta kredytowa after “with”?
Use z kartą kredytową. Here z introduces the instrumental form of karta kredytowa, rather than its dictionary form.
What should I know about using karta kredytowa?
Karta kredytowa is a credit card; karta debetowa is a debit card and karta płatnicza is broader.
Use these words in a conversation
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- Step 4: Use it in real scenarios

