MasterCard Standard with the Intesa Hit current account

Payment in instalments without interest and deferred payment up to 40 days

MasterCard Standard with the Intesa Hit current account is an international credit card which is accepted worldwide at 28 million retail points and 800,000 ATMs, including Serbia, bearing the MasterCard logo.

This credit card can be obtained with Intesa Hit current account and it does not require of you to pay the annual membership fee, because it is a part of the package of the current account for which the monthly maintenance fee is 300 dinars.

It allows the use of several flexible payment options.





  • Benefits
  • MasterCard Standard
  • Representative example
This credit card provides:
  • PAYMENT IN INSTALLMENTS WITHOUT INTEREST in more than 5,000 retail outlets across the country with which the bank has a business cooperation agreement. The total amount of the transaction is divided into equal monthly instalments, and as such is completely interest-free. The number of instalments is agreed upon with the retailer (with a maximum of 12), and first instalment is due immediately.
  • DEFERRED PAYMENT WITHOUT INTEREST UP TO 40 DAYS at any retail outlet in the country and abroad
  • REVOLVING CREDIT allows you to settle the minimum monthly commitment fee in the amount of 5% of the total debt from the previous period, while the interest rate is calculated on the remaining amount of debt. The minimum amount of 5% is calculated on all transactions, as well as interest and other fees. A fixed interest rate in the amount of 18.43% per annum is calculated on the amount of debt in dinars (Effective Interest Rate on an annual basis of 18.49%), while a fixed interest rate in the amount of 12.60% per annum is calculated on the amount of debt in euros (Effective Interest Rate on an annual basis of 12.66%). Interest rate is calculated by using a compound interest method.
Domestic expenditure is calculated in dinars, while the expenditure made abroad is calculated in euros. The deadline for the settlement of the minimum monthly commitment falls on the 10th of the month. Commitments can be settled via Banca Intesa On-line service, Intesa Mobi service, standing order, payment in person at the Banca Intesa or terminals of other banks as well as the Post Office. If you prefer, you can pay an amount that is greater than the minimum monthly commitment or pay the total amount of liabilities.


Example of the minimum monthly commitment calculation:

TransactionAmount in RSD
1. Purchase at the POS terminal10.000,00
2. Cash withdrawal at the ATM5.000,00
3. Purchase in instalments (6,000 in 3 instalments)2.000,00
4. Cash withdrawal commission150,00
5. Interest300,00
Total debt
17.450,00
Monthly commitment 5% to items 1+2+3+4+5 872,50

Type of loan

Revolving credit card – MasterCard Standard

Currency in which the limit is approved

EUR

Criteria for indexing

Dinar equivalent per NBS average exchange rate on the funds withdrawal date

The loan amount

50 – 3.200 EUR

The repayment period

36 months

Deposit

No deposit

Interest rate

  • 18.43% on an annual level for consumption in RSD, fixed
  • 12.60% on an annual level for consumption in EUR, fixed

Effective interest rate on an annual basis

  • from 18.49% for consumption in RSD *
  • from 12.66% for consumption in EUR *
    * Except in case of significant changes of the dinar exchange rate, when it may be even lower

Security instruments

1 bill of exchange

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

1 bill of exchange

Credit Bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication

No additional costs

Type of loanRevolving credit card – MasterCard Standard with the current account package
Loan currencyEUR
Criteria for indexingDinar equivalent per NBS average exchange rate
The loan amount3.200 EUR
Deposit/
The repayment period36 months
First Instalment Amount *

17.919,66 RSD
if the entire limit is spent in RSD

160.00 EUR
if the entire limit is spent in EUR

Interest rate
(on an annual basis)
  • 18.43% for consumption in RSD, fixed
  • 12.60% for consumption in EUR, fixed
Effective interest rate on an annual basis
  • 18.49% for consumption in RSD
  • 12.66% for consumption in EUR
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
1 bill of exchange
Credit Bureau report
50 RSD
246 RSD
(*) the amount of the first revolving instalment is 5% of the realized expenditure in the first accounting period and does not include interest (interest for the first accounting period is not calculated), while each following revolving instalment amounts to 5% (minimum 300 RSD/5EUR) of the remaining debt, which includes the accrued interest, due instalment amount in case of payment in instalments and related fees.
You can receive other calculations with this product in any of our Bank's branches.
Other fees related to this card can be seen on the website of Banca Intesa within the tariff booklet.

Required documents