American Express Green credit card intended for members of the Serbian Medical Chamber
Pay in instalments with no interest and with deferred payment of up to 45 days
The American Express Green credit card is intended exclusively for members of the Serbian Medical Chamber and their employees, and represents a prestigious internationally recognized credit card which 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.
You do not pay the monthly membership costs in the first year of use, you receive global travel health insurance, with an extended deferred payment period without interest and the Selects program of numerous discounts and benefits worldwide.

- Benefits
- American Express Green
- Representative example
- NO MEMBERSHIP FEE FOR THE FIRST YEAR OF USE
- 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 19,38%), 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 13,54%). 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. Membership fee | 183,33 |
5. Cash withdrawal commission | 150,00 |
6. Interest | 300,00 |
Total debt | 17.633,33 |
Monthly commitment 5% to items (1+2)+3+4+5+6 | 3.383,33 |
- GREEN PACKAGE TRAVEL INSURANCE: With Banca Intesa American Express Green Card you get a free travel health insurance card for the whole world* offering assistance and support on your travel, provided by Europe Assistance, and that all embassies accept as proof of health insurance which they require when granting visas. This insurance package also applies to members of your immediate family when they travel with you. For users of American Express Gold Card this insurance also covers accidents on ski-trip vacations.
* For insurance cards issued with date of begining until 28.02.2018
- SELECTS PROGRAM – numerous privileges, discounts and benefits worldwide designed specifically for the users of these credit cards chosen for you by American Express. This program can be used around the world in several thousand retail locations: restaurants, hotels, spa centers, rent-a-car and tourist agencies.
Annual membership fee is 2200 RSD for the basic card and 1,000 RSD for an additional card (users are exempted from paying the membership fee for the first year), and it is paid in 12 monthly instalments. Other fees pertaining to this card can be seen on the website of Banca Intesa within the tariff booklet.
Type of loan | Revolving credit card - American Express Green Medical Chamber |
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 | 250 – 3.000 EUR |
The repayment period | 36 months |
Deposit | No deposit |
Interest rate |
|
Effective interest rate on an annual basis |
|
Security instruments | 2 bills 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 | |
Annual membership fee | 2.200 RSD |
2 bills of exchange | 100 RSD |
Credit Bureau report | 246 RSD |
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 Green Medical Chamber |
Loan currency | EUR |
Criteria for indexing | Dinar equivalent per NBS average exchange rate |
The loan amount | 3.000 EUR |
Deposit | / |
The repayment period | 36 months |
First Instalment Amount * | 16.799,69 RSD if the entire limit is spent in EUR |
Interest rate (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 | |
Annual membership fee | 2.200 RSD |
Credit Bureau report | 246 RSD |
2 bills of exchange | 100 RSD |
You can receive other calculations with this product in any of our Bank branches.
Annual membership fee is 2200 RSD for the basic card and 1,000 RSD for an additional card (users are exempted from paying the membership fee for the first year), and it is paid in 12 monthly instalments. Other fees pertaining to this card can be seen on the website of Banca Intesa within the tariff booklet.