Credit Cards of Banca Intesa Beograd
Banca Intesa Beograd is the only bank in the country that has all types of the world known payment cards: MasterCard, Visa, American Express and the domestic DinaCard payment cards in its offer. Up to now the Bank has issued more than 800.000 payment cards, out of which more than 600.000 are MasterCard and Maestro cards, so that still more than 90% MasterCard transactions in the country are performed through Banca Intesa.
It is also one of the rare banks at the domestic market the cards of which have a Chip technology – a mini computer which provides the safest and most contemporary manner of payment. In addition to the recently higher credit limit of the Visa and MasterCard credit cards, Banca Intesa offers its users four various types of payment within the same card, and the beneficiaries choose the manner depending on the sales object in which they use the card.
In addition to the payment through a revolving loan model, deferred payment from 70 to 100 days without interest in the supermarket chains Maxi, Pekabeta and C market and deferred payment up to 40 days without interest on other points of sale that accept these cards, the latest advantage is
Payment in 3 – 12 equal monthly installments without interest in more than 200 points of sale all over the country with which Banca Intesa has an agreed business cooperation. The total transaction amount is divided into a certain number of equal installments and as such is completely exempted from interest. The first installment shall be due immediately and the next after 30 days. The number of installments shall be agreed between the user and the salesman. This credit card function emulates completely the check as a non-cash instrument of deferred payment which as such ceased to exist. The large sales systems in which you may pay in this way are stores like Nike, Mango, Zara, Springfield, Delta Sport, BN Boss, Fashion Store, and many others, as well as the famous furniture stores - Jugodrvo, Accentra, Studio S&M and tourist agencies.
Let’s remember: payment in installments through the revolving loan model is a universal consumer and cash loan, once a month min. 5% of the obligations from the previous month shall be settled, while an interest shall be calculated on the remaining debt - 2,00% monthly on dinar, i.e. 1,25% monthly on FX debts. The effective interest rate at the annual level amounts to 27,24% for dinar, i.e. 16,31% for the consumption in foreign currency. These obligations shall be settled on the 10th in the month and may also be settled through a standing order.
These cards enable also deferred payment from 70 to 100 days without interest in the supermarket chains Maxi, Pekabeta and C market. If you buy on the 1st in the month, you shall have 100 days deferred payment without interest and if you buy on the 30th in the month – 70 days. After the expiry of the deferred payment period, the card holder chooses whether the obligation shall be paid completely or through a revolving loan model. Concerning the deferred payment till 40 days without interest, the non-interest payment depends on the transaction date.
A special privilege is that all users of Visa and MasterCard credit cards of Banca Intesa Beograd shall receive the travel insurance card Europ Assistance as a present, which enables a simpler and quicker getting of visas because it is accepted by embassies as a health insurance proof, as well as additional safety during your travel, because it provides health insurance with assistance during the stay abroad.
The annual membership fee for Visa Classic and MasterCard Standard is 1.500 dinar, and for Visa Gold and MasterCard Gold 4.200 dinar. The credit limits differ depending on the type of the credit card as well as on the creditworthiness of the card holder. For MasterCard Standard and Visa Classic the credit limits range between 250 and 2.490 euro, depending on the creditworthiness of the client. For MasterCard Gold and Visa Gold the credit limits range between 2.500 up to 10.000 euro and depend also on the client’s creditworthiness.
Credit cards may be obtained in any of the 160 branches of Banca Intesa all over Serbia and the procedure is very quick and simple. Everybody may become a credit card user, disregarding whether he/she is a client of Banca Intesa or not. You only need your identity card to submit the application for the credit card issuance and the response referring to the approval based on the inquiry in the Credit Bureau shall be received within 48 hours. You do not need any guarantors, deposit, administrative ban or bills of exchange, either.
Thanks to the Banca Intesa On-line system, the credit card holders have the possibility to check their balance, available funds and performed transaction per cards through Internet and in that way they decrease the need of going to the bank.