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Compare credit card features

  • DinaCard credit card
  • Flexia Mastercard credit card
  • Mastercard Platinum

DinaCard credit card

The national payment card enables the division into installments

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DinaCrad
DinaCard

Credit card features

  • Daily limit at ATM and POS terminals: RSD 80,000
  • Daily ATM limit: RSD 35,000
  • Daily limit on POS terminals: RSD 45,000
  • Daily transaction limit: 16
  • Payment in 3, 6 or 12 installments
  • Different lending models - Dina 3, Dina 6 or Dina 12 (choice when submitting the request)
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Flexia Mastercard credit card

It provides users with flexibility, through different debt repayment models

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Flexia Mastercard
Flexia Mastercard

Credit card features

  • Daily limit at ATM and POS terminals: 240,000 RSD
  • Daily ATM limit: RSD 80,000
  • Daily limit on POS terminals: RSD 160,000
  • Daily transaction limit: 20
  • Payment in 3, 6 or 12 installments
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Mastercard Platinum

The right choice for the needs of VIP clients, it provides numerous benefits

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Mastercard Platinum
Mastercard Platinum

Credit card features

  • Daily limit at ATM and POS terminals: 480,000 RSD
  • Daily ATM limit: RSD 120,000
  • Daily limit on POS terminals: 360,000 RSD
  • Daily transaction limit: 20
  • Payment in 3, 6 or 12 installments
  • Travel health insurance
  • Priority Pass servis
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Current benefit for Flexia Mastercard credit card users.

Purchase of devices from the Miele range in 24 installments.

 

Special credit card benefits
Mastercard Platinum

  • Travel health insurance for the whole world

  • Access to business clubs

  • Mastercard premium program

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Advantages and method of dividing the transaction into installments

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

Necessary documentation for credit products

  • 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

  • A prerequisite for using the Installment Purchase model is an activated SMS CARD ALARM service (available as part of the Service Account Package or as an independent service, with a monthly fee of 73RSD)
  • It is not necessary to make the decision on 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 installments, and no later than the end of the last day of the current month.

Instructions and necessary documentation

PODELA TRANSAKCIJE NA RATE UZ POMOĆ KREDITNIH KARTICA UNICREDIT BANKE - UPUTSTVO_2021 PDF 560kB Download
PLAĆANJE PUTEM INTERNETA KARTICAMA UNICREDIT BANKE PDF 1MB Download
  • 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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