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 link.

  • Benefits
  • American Express Blue
  • Representative example
This credit card provides:
  • 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.
Domestic expenditure is calculated in dinars, while expenditure made abroad is calculated in euros. The deadline for the settlement of the minimum monthly commitment fee falls on the 15th of the month. Commitments can be settled via a standing order, Banca Intesa On-line service, Intesa Mobi service, 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 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

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

  • 18.51% for consumption in RSD *
  • 12.67% 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 Bureu 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 - American Express Blue within 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
  • 18.51% for consumption in RSD
  • 12.67% 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 therefore does not include interest (interest for the first accounting period is not calculated), while each following revolving instalment represents the sum of 5% of the remaining debt (minimum 300 RSD / 5 EUR), the total amount of accrued interest, related fees and the amount of due instalment in case of payment in installments. Each instalment that is related to a purchase in installments is due for payment in full starting from the first accounting period upon the completion of transaction, and enters into the minimum monthly commitment for payment, while the revolving interest is not calculated on it.

You can receive other calculations with this product in any of our Bank branches.


Required documents