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Flexia Mastercard

credit card

  • Divide into installments always and everywhere

  • Payment in the country and abroad

  • Payment online

IMAGINE AN OPPORTUNITY NOT TO BE MISSED

 

We believe that you often find yourself in a situation where you want to show someone how much you love them. You've finally found the perfect gift for someone, you're planning a trip, or you just want to show someone how much you care through a small token of attention.

 

There is no need to miss the opportunity. Your FLEXIA is waiting for you!

 

Why should the Flexia Mastercard credit card be your first choice?

  • The possibility of dividing into installments - like with checks
  • Online shopping - safe and easy in installments
  • Everyday payments – just like with any card
  • Instant cash - more flexible and simpler than a cash loan

Buy up to 12 installments, ALWAYS AND EVERYWHERE

Purchases in installments are possible in the country and abroad, anytime and anywhere - purchase at the point of sale or online purchase, as well as cash withdrawals from ATMs, for amounts greater than RSD 3,000.

 

It is important to know: it is not necessary to make the decision on the installment plan immediately, but you can do so at any time during the current month, by sending an SMS message for the installment plan to the number 5332, and no later than the last day of the month in which you completed shopping.

 


 
 

Credit card terms and conditions

  • An application for the issuance of a credit card can be submitted by natural persons, residents of the Republic of Serbia, with permanent employment or in retirement.
  • The creditworthiness of the client is determined depending on the amount of monthly income and obligations, and approval is carried out in accordance with the bank's credit criteria
  • The minimum amount of the approved credit limit is RSD 5,000, the maximum amount of the credit limit for employees is up to 4 months' salary, for pensioners up to 3 months' pension
  • The one-time cost of issuing the card is RSD 296 (credit bureau report and promissory note).
  • The monthly maintenance cost depends on the selected account, and amounts to RSD 495 per month in the case of the Gold package account (account maintenance and card maintenance).
  • The minimum amount for installments is RSD 3,000.
  • The fee for dividing into 3, 6 and 12 installments is RSD 300.
  • The price of sending an SMS message for installments depends on the package and the operator.
  • Flexia Mastercard credit card and Platinum Mastercard credit card are internationally valid cards, intended for paying for goods and services at points of sale and via the Internet, as well as withdrawing cash, in the country and abroad.
  • The DinaCard credit card can be used to pay for goods and services at points of sale and via the Internet, as well as to withdraw cash in the country.
  • All incurred obligations are calculated and settled in dinars
  • Debt repayment models
  • Revolving - the default repayment method - monthly settlement of the minimum payment amount
  • Purchase in installments - any transaction exceeding RSD 3,000 can be divided into 3, 6 or 12 installments, according to the user's choice
  • Deferred payment without interest, with a grace period of up to 45 days - in case of settlement of the entire debt by the payment deadline, the bank does not calculate interest

Purchase in installments

  • It is not necessary for you to make the decision to split into installments immediately after using the card and receiving an SMS message about the transaction, but you can do it at any time during the current month by sending an SMS message for splitting into installments, and no later than the end of the last day of the current month
  • The fee for dividing into installments is charged with the first installment and amounts to RSD 300, and is not charged at merchants, partners of the bank. You can view the list of merchants HERE.
  • Send an SMS message for installments to the number 5332
  • Keep your personal identification number (PIN) secret, separate from the card
  • If you wish, you can change your PIN at any UniCredit Bank ATM, taking care not to use personal data or simple combinations to select a PIN
  • If you lost or your card was stolen, inform UniCredit Bank as soon as possible by phone: (+ 381 11 3777 888) which is open 24 hours a day, 7 days a week. The card will be immediately blocked and protected from further unauthorized use
  • Do not keep the card near electromagnetic sources (batteries, mobile phones, radiators). The electronic information on the card's magnetic record can thus be erased or damaged, which can cause the card to malfunction
  • If your personal data is changed, the card is destroyed, its technical malfunction occurs or if you forget your personal identification number (PIN), contact the nearest branch of UniCredit Bank
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