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Criteria for being issued the MasterCard Platinum credit card

For the sake of maximum transparency and more detailed information provided to our clients, below are listed conditions which earn you or lose you the Platinum status
Conditions for the Platinum status

1. Income which equals or exceeds EUR 2,500 2. Term deposit with AIK Banka which equals or exceeds EUR 50,000 3. Ownership of a property whose value equals or exceeds EUR 200,000 4. Private business owned for more than 2 years * two out of the four conditions must be met

AIK Banka may at its sole discretion

at any time review the client’s status. In the event that this status is lost, the client may continue utilising already approved product under the same conditions until they cease to be valid. During the year, the Bank from time to time verifies that conditions for the Platinum status are met. If this status is lost, the Bank will notify the client.

Way to lose Platinum status

*Failure to meet the set conditions

Conditions for the MasterCard Platinum credit card
Type of credit productRevolving credit card approved against a 100% deposit
CurrencyRSD
Amount of limitEUR 20,000 – 150,000 Credit card limit is approved on the basis of special-purpose term deposit, in RSD equivalent, at the NBS middle exchange as at the day of submitting application
Repayment term36 months
Nominal interest rate9.5%, fixed, annual
Interest calculation methodSimple
Security100% special purpose deposit
CurrencyEUR
NIR on deposit1.5%
Interest calculation methodSimple
Term36 months (matches validity of the card)
FeeRSD 5,000 monthly – principal card RSD 1,500 monthly – addon cards (up to 4 cards)
Repayment of credit card debtInterest-free period of 45 days, depending on the date of transaction. Until the 12th of the month Upon expiry of the card

* Costs to be borne by the cardholder are known at the time of announcing them and are included in the effective interest rate calculation.

Representative example – MasterCard Platinum credit card
Approved limitRSD 2.930.000,00
CurrencyRSD
Nominal interest rate9.5%, fixed, annual
Interest calculation methodSimple
Effective interest rate (annual) calculation is as at 22nd June 202016.07 %  annual
Validity of the card (plastic)36 months
Total amount to be paid by the cardholder (in case the full amount of approved limit is utilised with the first utilisation)RSD 3.922,171.80
Credit card limitRSD 2,930,000.00
Accrued interestRSD 812,171.80
Other fees (total membership fee for the principal card)RSD 180,000.00
Deposit amountEUR 25,000.00
Deposit currencyEUR
Nominal interest rate1.50% annual, fixed
Interest calculation methodSimple
Effective interest rate calculated as at 22nd June 20201.26% annual, fixed
Term deposit36 months
Accrued gross interest in EUREUR 1,124.37
Total amount to be paid after withholding tax EUR 5,128.88EUR 25, 955.71
Costs to be borne by the cardholder are known at the time of announcing them and are included in the effective interest rate calculation. 
Tax liability – withholding tax of 15%EUR 168.66
Enjoy a whole world of maximum benefits with AIK Banka MasterCard