American Express Green with a 100% deposits
Pay in instalments with no interest and with deferred payment of up to 45 days
American Express® Green credit card with a 100% deposit is a prestigious internationally valid credit card. Limit for consumption per credit card is approved on the basis of termed funds on a dedicated deposit account. The minimum deposit amount is 500 EUR, and maximum is 10,000 EUR.
You can participate in the Selects rewards program consisting of numerous discounts and benefits worldwide.
More informations on link.
- Benefits
- American Express Green
- Representative example
This credit card provides:
- CREDIT LIMIT EQUAL TO THE DEPOSIT
- Calculation of interest rates according to the current interest rate on the placed deposit
- 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 (The effective interest rate cannot be calculated because the deposit of equal or greater value than the amount of credit limit is included in the calculation), while a fixed interest rate in the amount of 12,60% per annum is calculated on the amount of debt in euros (The effective interest rate cannot be calculated because the deposit of equal or greater value than the amount of credit limit is included in the calculation). 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 falls on the 15th 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 and 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.
- 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.
A detailed list of offers can be seen on the website http://www.amexnetwork.com/selects
Annual membership fee for Banca Intesa American Express Green card is RSD 3,600 for the main card, and RSD 2,400 for additional card. The membership fee is paid in 12 monthly installments. Other fees related to this card can be found on website of Banca Intesa within Bank’s Tariffs.
Type of loan | Revolving credit card – American Express Green with a 100 % deposit |
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 | 500 – 10.000 EUR |
The repayment period | 36 months |
Deposit | 100% |
Interest rate |
|
Effective interest rate on an annual basis |
|
Security instruments | / |
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 | 3.600 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 with a 100 % deposit |
| Loan currency | EUR |
| Criteria for indexing | Dinar equivalent per NBS average exchange rate |
| The loan amount | 10.000 EUR |
| Deposit | 10.000 EUR |
| The interest rate on the deposit | / |
| The repayment period | 36 months |
| Interest rate (on an annual basis) |
|
| Effective interest rate on an annual basis | The effective interest rate cannot be calculated because the deposit of equal or greater value than the amount of credit limit is included in the calculation |
| 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 | 3.600 RSD |
| Credit Bureau report | 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 100 RSD / 5 EUR), the total amount of accrued interest, related fees and the amount of due instalment in case of payment in instalments. Each instalment that is related to a purchase in instalments is due for payment in full starting from the first accounting period upon the completion of the purchase, and enters into the minimum monthly obligation 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.
Discover the world of privileges, discounts and benefits that American Express chooses for you. Selects program can be used around the world on several thousand sale points: in restaurants, hotels, spas, car rentals and travel agencies around the world.
A detailed list of offers can be viewed on the following website http://www.amexnetwork.com/selects
You get a freehealth insurance card with assistance and support of Europe Assistance.
Annual membership fee for Banca Intesa American Express Green card is RSD 3,600 for the main card, and RSD 2,400 for additional card. The membership fee is paid in 12 monthly installments. Other fees related to this card can be found on website of Banca Intesa within Bank’s Tariffs.