American Express Blue with the Intesa Hit current account
Pay in instalments with no interest and with deferred payment of up to 45 days
American Express credit card has a modern and attractive design and can be used for payment of goods and services, as well as cash withdrawal in the country and abroad, at any and all locations bearing the American Express logo.
This credit card can be obtained via the Intesa Hit current account and it does not require you to pay any annual membership fee, since it comes as part of the current account package which has a monthly maintenance fee of 300 dinars.
It allows the use of several flexible payment options while providing many other benefits, including longer term of deferred payment without interest and Selects rewards program consisting of numerous discounts and benefits worldwide.
It is accepted at more than 20,000 sales outlets throughout Serbia, and the number of retailers that join our acceptance network increases each and every day.
More informations on: https://www.americanexpress.com/serbia/en/homepage.shtml
- American Express Blue
- Representative example
- PAYMENT IN INSTALLMENTS WITHOUT INTEREST in more than 6,000 stores 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). The first instalment is due for payment in full immediately with your next monthly statement. All subsequent instalments are due in full via the statements in the coming months, depending on the number of instalments, and are entirely interest-free.
- DEFERRED PAYMENT WITHOUT INTEREST UP TO 45 DAYS at any retail outlet in the country and abroad.
- REVOLVING CREDIT allows you to settle the minimum monthly commitment fee in the sum amount of 5% of the remaining debt, accrued interest, fees and other charges, while the interest rate is calculated on the remaining amount of debt. The minimum amount of 5% is calculated on purchase transactions at retail locations and ATM cash withdrawals, while the membership fee, interest, other fees, instalments, and charges for cash withdrawals at ATMs are charged in full on a monthly invoice. 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 18,51%), 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 12,67%). Interest rate is calculated by using a compound interest method.
Example of the minimum monthly commitment calculation:
|Transaction||Amount in RSD|
|1. Purchase at the POS terminal||10.000,00|
|2. Cash withdrawal at the ATM||5.000,00|
|3. Purchase in instalments (6,000 in 3 instalments)||2.000,00|
|4. Cash withdrawal commission||150,00|
|Monthly commitment 5% to items 1+2+3+4+5||3200,00|
Spending limit per card is determined depending on your creditworthiness.
Type of loan
Revolving credit card - American Express Blue within the current account package
Currency in which the limit is approved
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
Effective interest rate on an annual basis
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 Bureu report
Costs borne by the user and are not known at the moment of publication
No additional costs
|Type of loan||Revolving credit card - American Express Blue within the current account package|
|Criteria for indexing||Dinar equivalent per NBS average exchange rate|
|The loan amount||3.200 EUR|
|The repayment period||36 months|
|First Instalment Amount *|
(on an annual basis)
|Effective interest rate on an annual basis|
|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
You can receive other calculations with this product in any of our Bank branches.