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?  

  • Premium status wherever you pay
  • 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
  • You can enjoy Business Club services free of charge at Nikola Tesla Airport in Belgrade (Serbia), Vienna International Airport in Vienna (Austria) and International Airport in Sarajevo

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

 

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