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Mastercard Gold

Ascertain your well-deserved premium status with our Mastercard Gold card. A gold card is your key to numerous privileges.

It is not an easy task to get a gold card but it is not an impossible one either. Apart from gold, the new Mastercard Gold cards have one more powerful symbol in its design: Bobotov Kuk’s motif (at 2,523 m it is believed to be the highest peak in Montenegro).
It symbolizes growth and stability, values that can follow your finances as well.  

Why do I need this card?  

  • Numerous benefits for MasterCard Gold holders around the world
  • Superior Banking privileges
  • Non-cash domestic and international payments free of any commission or fee
  • Quick contactless payments
  • Online shopping
  • Cash withdrawals at ATMs
  • Free of charge Generali Health Travel Insurance
  • Credit limit is higher than with other payment cards
  • Security SMS for every completed transaction
  • The option to add the card to Google/Apple Wallet

Priority Pass Benefits
What is Priority Pass?

• Priority Pass is a program that grants access to over 1,700 VIP airport lounges worldwide;
• A convenient way for travelers to relax while waiting for their flights;
• Travelers can enjoy comfortable seating, complimentary food and drinks, Wi-Fi access, and other amenities.

- The Mastercard Gold card gives you access to 1,700+ VIP airport lounges around the world, according to the applicable fee schedule.



How to use Priority Pass?

For an easier, more convenient, and seamless experience, we recommend registering at [prioritypass.com](https://www.prioritypass.com) or via the Priority Pass mobile app.


Steps to follow:

1. Download the Priority Pass app from Google Play or the App Store to register your account.

*For more information about the registration steps, please visit the linkprovided.


 2. Once you have your Priority Pass account, you can use the app to browse available lounges and services at airports worldwide (such as lounge locations and features like restaurants, spa services, gaming areas, visit history, and more).

3. To access Priority Pass lounges at the airport, present your valid Mastercard Gold card or Priority Pass digital membership card.

4. Your Digital Membership Card or Mastercard Gold card will be swiped or scanned to register your visit.


 

Fast Track Airport Security
What do travelers want?

Safety, simplicity, good weather, and a pleasant flight—but above all, less time waiting in lines for security checks.

As a Mastercard Gold cardholder, you have access to the Fast Track Security service*, which allows you to travel with ease and move faster through more than 80 airports worldwide.



Using the Mastercard Travel Experiences website or app, you can easily book your fast track airport security access in advance and enjoy preferential entry to a dedicated lane that leads directly to the security checkpoint—significantly speeding up the entire check-in process.


The service is simple to use:

1. Book your time slot in advance via the Mastercard Travel Experiences website or app.

2. Redeem points for a free Fast Track or pay using your Mastercard card.

3. You'll receive your electronic ticket (eTicket) by email or in the app, which you show at the Fast Track lane entrance.


Skip the lines and make smarter, more enjoyable use of your time at the airport. 


Learn more at Mastercard Travel Experiences.

 


How do I get this card?  

  • The necessary requirement is for the Client to have had at least € 1,000 net salary over the past three months, or to have paid a deposit of 100 % of desired credit limit
  • Filled in Mastercard Gold application form
  • Photocopy of personal document (ID card or passport)
Additional documents required dependent on the client's status
For clients receiving their salary/pension via Hipotekarna Bank
  • 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
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 exchang
  • 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 Clients depositing 100% of credit limit
  • Decision on attachment of salary

 

How much does it all cost?


Issuing and reissuing Mastercard Gold card

€5

Issuing and reissuing additional Mastercard Gold card

€5

Monthly fee for Mastercard Gold card

€5

Monthly fee for additional Mastercard Gold card

€3

ATM transactions at the bank

2.00% (min. €2)

ATM transactions at another bank

3.00% (min. €4)

Cash withdrawal at Hipotekarna Bank counters (Cash advance)

2.00% (min. €2)

Cash withdrawal at other banks’ counters (Cash advance)

3.50% (min. €6)



 

What should I do in case my card is lost/stolen?  

If your card is lost/stolen in Montenegro or abroad, please report it immediately at +382 19905 (available 24/7) or at your nearest Hipotekarna Banka branch

Apply now