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Mastercard Gold debit card
Use the internet abroad without roaming charges through the Global WiFi service. Wait for your flight in the comfort of airport lounges worldwide. Withdraw RSD or EUR funds from one of AIK Banka’s multi-functional ATMs.
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Everything you need to know about our cards
AIK Banka debit cards allow you to pay using the latest contactless technology, from both your RSD and FX accounts, here at home and abroad. Use our cards to withdraw funds (available on your Current Account) free of charge, through a network that includes over 350 local ATMs (AIK Banka’s network and MoneyGet). The Mastercard and DinaCard debit cards received with our Start Package allow you to also withdraw funds at the ATMs of Gorenjska Banka in Slovenia.
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5 reasons to choose our cards

24/7 access to funds
and internet with the free 3D Secure service which increases card security during online use
Use the contactless option
to pay for tickets in public transportation (Mastercard cards in Kragujevac).
Make payments and withdraw additional funds
(up to RSD 5,000) at NIS Petrol and Gazprom petrol stations, at no extra charge
Change your PIN
into a four-digit number that’s easy to memorise – at no extra charge at AIK Banka’s ATMs
SMS notifications
because fast and accurate information concerning your card transactions ensures that you know your funds are safe with us
Our premium credit card
Mastercard Platinum credit card – the right choice for making good decisions and having unforgettable experiences. Welcome to a world that offers maximum benefits
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Frequently asked questions

Why choose a credit card and not a loan?

A loan is best for specific, planned purchases, while a credit card is intended to provide assistance when something unexpected comes up. When we take out a loan, the entire amount is disbursed to us at once, while credit cards provide us with the exact amount we need at the time. We settle our credit card debt when it suits us best, while loan obligations are fixed and predetermined.

What’s more expensive – a credit card or a loan?

When we take out a loan, we pay the interest on the entire approved amount, while with credit cards, interest is calculated only on the funds that we have used and there is no commission on early debt repayment. Credit cards don’t have to be more expensive, it’s just necessary to know how to use them properly.

Why is it a good idea to have a credit card?

Credit cards allow you to fulfil your desires or to cover any unexpected expenses. Your mobile phone stops working and you don’t have enough to purchase a new phone. If you have a credit card in this or similar situations, you can make this unplanned investment without any consequences. Your obligations and those you are in contact with don’t suffer any loss. Or imagine your entire friend group has planned a trip to go white water rafting, but you don’t have the funds at your disposal at this particular moment. This isn’t such a huge expense that you would deny yourself these unforgettable moments. If you have a credit card, you’re probably going to think to yourself “this is the moment to use it!” The best way to look at a credit card is this: “I should have one, just in case...you never know.”

Is it difficult to get a credit card?

Not anymore. A credit card is just one click away now. And the documentation is within reach (link). The card is valid for three years, and we’ll reissue you a new card easily, online.

What is the credit card revolving repayment principle?

This means that the funds you spent by making charges on your card and then repaid according to monthly calculations can be then used again and again for as long as your card is valid. The benefit of this form of payment is that you choose the repayment amount and when to pay off your debt, excluding the minimum payment amount (5% of the remaining debt) which must be paid each month. You can even choose to pay the entire amount of the debt, depending on your desires and plans, and the settled amount less interest can be reused again.

Is interest always charged on the amount spent on the card or is it possible to use the card interest-free?

There are two ways to avoid paying interest on the funds spent: • The first is the charge payment method which allows you to use your card throughout the month, and if you settle the debt in full before the end of the month, interest is not calculated. • The second is the instalment payment method applied to certain cards, where the amount of the transaction can be split into 3, 6, 9 and 12 equal monthly instalments. If payment is made regularly, there is no interest charge. If you choose this option, you pay a fee with the first monthly instalment only.

How is my card limit determined (available funds)?

The limit is determined based on your creditworthiness. Creditworthiness is calculated based on your monthly earnings and existing debt which is recorded in your Credit Bureau Report.

Can I apply for a credit card even if I don’t have monthly earnings?

Of course, AIK Banka has a solution for all our clients. If you are not earning a monthly income (salary, pension) you can apply for a credit card by making a dedicated EUR deposit with the bank. The advantage of this option is that the interest rate on a dedicated deposit is equal to the interest rate on a standard Term Deposit. By providing a bill of change, the limit per credit card can be as high as 100% of your deposit.

Is it safe to make online purchases with a credit card?

AIK Banka has introduced the 3D Secure System for added protection when making online purchases using your Mastercard. When paying at online points of sale displaying the MasterCard SecureCode, the client has the option to confirm each transaction using a one-time password (OTP) that they receive by SMS to their mobile phone number already registered with the Card Alert-SMS Service (executed transaction notification). Consult with your bank Advisor to make sure that the bank has your current mobile phone number on file.