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contact center:
(02) 3 296 800

MasterCard® international credit card for individuals

The best reason to forget about your worries while you travel. The MasterCard® international credit card is specialized for FX payments abroad, as well as payments on the Internet.
Created to be your loyal companion in more than 120 countries, on all continents.

Advantages of the card


- quick and simple access to you money 24 hours a day through the network of over 2 million ATMs throughout the world;
- you may shop safely and free of commission at millions of points of sale throughout the world;
- up to 30 days of interest-free period for the transactions realized at points of sale;
- reduced risk of carrying cash when traveling abroad;
- enables Internet shopping;
- you get additional cards for your loved ones, with the possibility of adjustment of the daily limits for each card;
- deposit interest rate on the deposited amount equal to the interest rate on FX time savings deposits in euros deposited for period of 12 months;
- you can follow the statements of the accounts from your home, work place or anywhere in the world by using our Internet bank, mBanka and SMS banking services;
- easy settlement of your liabilities through the standing order service;
- 24 hour customer support, around the world.

Card utilization

When acquiring the MasterCard® international credit card two accounts are simultaneously opened:
- Operational (active) with an initial balance of 0.00 EUR through which the credit and debit transactions (calculated in EUR) for further utilization of the card are effected. An overdraft facility up to the amount of 500.00 EUR is allowed.
- Depository (passive) where the amount of 500.00 EUR is deposited on and is considered to be time deposit for 1 year (a period within which the card is active). The deposited amount is credited with deposit interest rate equal to the interest rate on FX time savings deposits in euros deposited for period of 12 months.

The MasterCard® international credit card is acquired at more that 35 million points of sale and more than 2 million ATMs throughout the world bearing the MasterCard® logo. If you use this card you can be with your money all the time and you don’t need to carry cash, to be afraid of being robbed, of losing or having contact with fraudulent banknotes. More information on acquiring the MasterCard® cards is available on www.mastercard.com.

For bigger safety and comfort when using the card you can apply the tips for safe usage of cards of Komercijalna Banka AD Skopje.

Simple procedure of getting a new MasterCard® international credit card

Follow the following three steps to get your new MasterCard® international credit card:

Fill in the short application for MasterCard® international credit card and provide the accompanying documentation.
The application, along with the documentation, should be presented to the nearest city-branch or branch of the Bank.
You can take your new card within 7 days from the date of submission of the application.

Terms and conditions


creditworthy individuals at the age between 18 and 68


Interest rates

- 7.6% annually on the amount of the used credit limit
- 7.639% on the amount over the credit limit
- deposit interest rate on the deposited amount equal to the interest rate on FX time savings deposits in euros deposited for period of 12 months
- interest on positive balance equal to the interest rate on FX demand savings deposits in euros

Annual membership fee*





for the basic card

for the additional cards


for each year

24 euros

12 euros

Utilization fees




at ATMs

at counters

of the Bank

1,5%, min 80 den.


of other banks abroad

1%, min. 3 euros

3%, min. 6 euros

* The annual membership for all types of cards shall be calculated on monthly basis, i.e. the account shall be debited in 12 equal installments. Debiting of the accounts shall be commenced in the month of expiry of the last paid membership fee, i.e. the free period of 12 months, depending on the date of issuance of the card.

The Bank shall apply proportional method for calculation of interest.

Contact persons

Elena Arsova Begic, Head of Bank Cards Unit
Phone: (+389 2) 3168-108
Fax: (+389 2) 3114-232
e-mail: elena.arsova@kb.com.mk

Igor Andreevski, Senior Officer for Bank Cards Issuance
Phone: (+389 2) 3168-130
Fax: (+389 2) 3114-232
e-mail: igor.andreevski@kb.com.mk