Mastercard Gold credit card

Revolving Of the total amount spent, you are obliged to repay (return to the bank) a minimum of 5% on a monthly basis. There is no maximum repayment amount. The amount of funds that you repay are available to you immediately after the payment has been made, minus costs and interest. Payment in equal instalments You can pay off all domestic purchases and those made abroad in 3, 6 or 12 instalments according to the terms and conditions of the AIK Banka Price List which apply to dividing transactions into instalments. To divide your purchase into instalments, all you need to do is to forward the SMS message you receive after making the transaction (’forward’ option) to the number 1018, adding ’R3’, ’R6’ or ’R12’ at the end of the message, depending on the number of instalments you want to divide your purchase into. “Charge” model The 'Charge' model allows you to avoid having to pay interest if you settle the full amount spent during the previous month by the 12th day of the current month Credit Card covered by a 100% deposit The credit card covered by a 100% deposit is a product designed for users who do not receive a regular monthly income, but still wish to enjoy all the benefits of having a credit card. Click here to see an example

Notes: Payment of the minimum monthly obligation per card: by the 12th of the month. Interest is not calculated if the entire consumption from the previous month is settled by the 12th of the following month (grace period of up to 42 days). * Users of the ELITE account package receive a 50% discount on the monthly membership fee. ** The total amount that the user will pay during the repayment period, assuming that on the day of receiving the credit card, the User uses the entire limit and pays the minimum monthly obligation every month.

* The interest rate on the designated deposit is equal to the interest rate on the fixed term for 36 months (1% per annum). ** If the credit limit is approved up to 100% of the amount of the designated deposit, the user also submits a promissory note as a means of security, and when the credit limit is approved up to 80% of the designated deposit, the promissory note is not required. *** The total amount that the user will pay during the repayment period, assuming that on the day of receiving the credit card, the User uses the entire limit and pays the minimum monthly obligation every month. For consumption incurred in the Republic of Serbia, the middle exchange rate for EUR from the NBS exchange rate list valid on the day of settlement of each individual transaction is applied. All card transactions made abroad are recorded in EUR currency, so that when converting the amount of transactions made abroad, the interval exchange rate established by the Mastercard system is applied. Other costs are charged in accordance with the Fee Tariff for natural persons and in accordance with the signed Credit Card Issuance Agreement.