Mastercard Gold

Ascertain your well deserved premium status with our Mastercard Gold card. A gold card- 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 powerfull symbol in its design: motif of Bobotov kuk (at 2.523 m it is believed to be the highest peak in Montenegro ). It simbolizes growth and stability, the values which can follow your finances as well.  

Why do I need this card?  

  • Premium status whereever 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
  • Internet kupovina
  • Cash withdrawals at ATMs
  • besplatno Generali putno zdravstveno osiguranje
  • limit je viši nego kod ostalih kartica
  • 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 necesarry requirement 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 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 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

 

How much does it all cost?
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

 

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 24/7/365) or at your nearest branch of Hipotekarna bank.