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 card | EUR 5.00 |
| issuance of a secondary card | EUR 5.00 |
| Monthly membership fee for the primary card | EUR 5.00 |
| Monthly membership fee for a secondary card | EUR 3.00 |
| Payments at POS terminals | no commission |
| Cash withdrawals at Hipotekarna Bank ATMs | 2.00% (min. EUR 2.00) |
| Cash withdrawals at ATMs of other banks | 3.00% (min. EUR 4.00) |
| Interest rate on outstanding amount payable | 1.20% 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.
