Mastercard Credit

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

With upgraded design – motif of Bobotov kuk, symbol of stability and growth, our MasterCard credit card offers you a 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 fo charge Generalli 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 a 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 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 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 the percentage of revolving credit, twice the amount)
For clients depositing 100% of credit limit
  • decision on attachment of salary

 

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