(+382 202) 19905

MasterCard Gold

A gold card puts everything within your reach 

Since the beginning of time, gold has been a symbol of power and strength. By having a gold card you show your status and provide yourself multiple benefits intended exclusively for MasterCard Gold owners around the world. Be part of elite with Hipotekarna Bank MasterCard Gold credit card.

Who it is intended for?

MasterCard Gold is a credit card accessible to all Hipotekarna Bank clients, but also other citizens of Montenegro and non-residents temporarily residing in Montenegro.

A key eligibility requirement for MasterCard Gold card is for the client to have had minimum EUR 1,000 net salary over the past three months, or to have paid a deposit of 100% of the desired credit limit.

Key benefits

  • premium status wherever you pay
  • numerous benefits for MasterCard Gold holders around the world
  • electronic payment in the country and abroad, free of any commission or fee
  • quick contactless payment enabled by PayPass technology
  • online purchases
  • cash withdrawals at ATMs
  • option to receive a security SMS message for every transaction completed
  • option of using Business Club services free of charge at Nikola Tesla airport in Belgrade (Serbia),  Vienna International Airport in Vienna (Austria) and airport Sarajevo (Bosnia and Herzegovina)

How it works?

MasterCard Gold allows you to spend the money up to the credit limit made available to you by the Bank, which is higher with Gold series cards than with others. The total spend can be repaid on a monthly basis, at a rate which best fits your needs.

For a proper use of your MasterCard Gold card, you need to settle your monthly dues (5% of overall debt at a minimum, increased by the accrued interest) by no later than the 8th of every month. Your monthly debit can be repaid by HB click or mHb click electronic banking services, by a permanent payment order, by a direct payment at a Hipotekarna Bank counter or counters of other banks and of the Post Office of Montenegro. You can also deposit a bigger amount than the amount of your minimum monthly dues or, if possible, settle the entire debt.

In addition to the primary card, one or more secondary cards can also be issued upon request. All the spending made through both the primary and secondary cards is debited on a single account, and the credit card limit is determined based on the account holder’s credit standing. The primary and secondary cards are issued for a term of 2 years, and are automatically renewed upon expiry.

If your card is lost/stolen in the country or abroad, please report it immediately at +382 19905 (available 24/7/365) or at our nearest branch.

Special advantages

Hipotekarna Bank MasterCard Gold cardholders have access to exclusive business clubs at Nikola Tesla airport in Belgrade (Serbia),  Vienna International Airport in Vienna (Austria) and airport Sarajevo (Bosnia and Herzegovina.

No reservation is required for access to services at business clubs at these airports - all you need to do is show your Hipotekarna Bank MasterCard Gold card together with your boarding card.

For more information visit http://www.mastercard.com/rs/consumer/pristup-biznis-klubovima.html

Applicable fees

Issuance of primary cardEUR 5.00
issuance of a secondary cardEUR 5.00
Monthly membership fee for the primary cardEUR 5.00
Monthly membership fee for a secondary cardEUR 3.00
Payments at POS terminalsno commission
Cash withdrawals at Hipotekarna Bank ATMs2.00% (min. EUR 2.00)
Cash withdrawals at ATMs of other banks3.00% (min. EUR 4.00)
Interest rate on outstanding amount payable1.20% per month

Documents required for card issuance:

To be issued a MasterCard Gold card, please submit the following documents at one of our offices:
  • filled out application form for a MasterCard Gold card
  • photocopy of a personal document (personal ID or passport)
In addition, depending on your status, you must meet the following eligibility requirements and submit supporting documents:
  • application filled out for Visa Gold Revolving Card
  • photocopy of an identity document (ID or passport)
In addition, depending on your status, you must meet the following eligibility requirements and submit supporting documents:

For clients receiving their salary/pension via Hipotekarna Bank
  • evidence showing 1/3 salary is under no burden, to cover the percentage of revolving credit, twice the amount
  • signed bill of exchange
  • decision on attachment of salary
  • permanent payment order signed
For other citizens
  • evidence showing 1/3 salary is under no burden, to cover the percentage of revolving credit, twice the amount
  • signed bill of exchange
  • decision on attachment of salary
  • permanent payment order signed
  • deposit as follows
    • 20 % of credit amount requested + 2 guarantors (joint credit capacity) or
    • 40 % of credit amount requested + 1 guarantor (guarantors must show 1/3 of their salary is under no burden, to cover the percentage of revolving credit, twice the amount)
For clients depositing 100% of credit limit
  • decision on attachment of salary





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