Visa Relax card

For anyone who does not want to always think about every cent, take it easy. Relax with our Visa Relax card – the queen of instalment payment! 



Why do I need this card?

  • Non-cash payment in Montenegro and abroad
  • Possibility for safe online shopping
  • Automatic splitting of the bill into 3, 6 or 12 monthly instalments
  • Minimum amount of a transaction that can be split into instalments is EUR 25,01
  • Available limit increases when every individual instalment is collected
  • Instalments that are not due yet can be repaid early (can be requested in any local/branch office of Hipotekarna Bank)
  • Quick and contactless payment
  • Security SMS for every completed transaction
  • Free insurance

In addition to several options for flexible payment, Visa Relax card also offers two types of insurance, in cooperation with Generali Osiguranje AD Podgorica

- insurance of your flat/house against the risk of fire, explosion, lightning strike, storm, hail and earthquake;

- insurance of emergency interventions in your residential building.

For additional information about the insurance coverage, please call +382 20 444 800 on work days between 08h and 16h, or write to email adresa.

Should you require emergency intervention in your residential building, please call the assistant company Europ Assistance to +382 20 444 890 and follow the instructions.



How much does it all cost?

Card issuance fee

No fee

Reissuance fee for the primary/additional card

€2.88

Monthly fee for the primary card

€1.00

Monthly fee for the additional card

€1.00

Purchases up to €25 are not split into installments

No fee, the full amount is charged to the account

Fee for purchases from €25.01 to €75*

€6

Fee for purchases from €75.01 to €300**

€12

Fee for purchases over €300***

€24

The purchase amount is split into 3 installments.

 

The purchase amount is split into 6 installments.

 

The purchase amount is split into 12 installments.

 

The fee and the first installment are charged to the transaction account immediately, while the remaining installments are due monthly

 

Payments at POS terminals

No commission

Insurance for Visa Relax card users

No fee