Mastercard Credit

Tailor made for all sorts of purchases. Reliable support for your finances.  

With upgraded design,Bobotov Kuk’s motif - symbol of stability and growth-  our MasterCard credit card offers you reliable and relaxed shopping, as well as repaying your debt on a monthly basis in amounts which suit your finances the best.

Why do I need this card?  

  • Payments are possible even if you do not have any money on your current account
  • Electronic payments in Montenegro and abroad, free of any commission or fees
  • Online purchases
  • Cash withdrawals at ATMs
  • Free of charge Generali travel health insurance
  • Receive a security SMS message for every completed transaction 

How do I get this card?
  • You need to be a Hipotekarna Bank’s Client and receive your salary on your account held with the Bank
  • Filled in MasterCard Credit Revolving card application form, verified attachment of salary or deposit as security
  • Photocopy of personal document (ID card or passport) 

 

Additional documents needed depending on client's status:
For clients receiving their salary 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 twice the amount of the percentage of revolving credit
  • 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 twice the amount of the percentage of revolving credit
For students
  • Certificate showing student status, with seal and signature by authorised college staff affixed
  • 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 twice the amount of the percentage of revolving credit 
For Clients depositing 100% of credit limit
  • Decision on attachment of salary

 

How much does it all cost?
Issuance of primary card€ 3.00
Issuance of a secondary card€ 2.50
Monthly membership fee for the primary card€ 2.50
Monthly membership fee for a secondary card€ 1.50
Payments at POS terminalsno commissions
Cash withdrawal at Hipotekarna Bank ATMs1.00% (min. € 2.00)
Cash withdrawal at ATMs of other banks 3.00% (min. € 4.00)
Interest rate on outstanding amount payable1.20% per month