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Contact           24/7

contact center:
(02) 3 296 800

Visa Classic Standard credit card for individuals

Visa Classic Standard is a credit card that opens new possibilities. Acquired all over the world, it takes care of all the payments in the country and abroad offering credit limit that will allow you careless shopping.
The right visa for comfortable life.


Advantages of the card

- no membership fee in the first year;
- single account for payments in the country and abroad;
- credit limit depending on the available amount of your monthly salary;
- up to 45 days of interest-free period for the transactions realized at points of sale;
- you may shop safely and free of commission at millions of points of sale throughout the world;
- enables Internet shopping;
- low fees and commissions for card utilisation;
- favourable interest rate on the used credit limit;
- you get additional cards for your loved ones, with the possibility of adjustment of the daily limits for each card;
- 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 ;
- easy settlement of your liabilities through the standing order service;
- 24 hour customer support, around the world.

Card utilization

Visa Classic Standard is acquired at 40 million points of sale and more than 1.9 million ATMs in more than 170 countries in the world bearing the Visa and Visa Electron 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 Visa cards are available on www.visa.com.


Look at the full list of ATMs of Komercijalna Banka AD Skopje and find the nearest one.

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 Visa Classic Standard credit card

Follow the following three steps to get your new Visa Classic Standard credit card:

Fill in the short application for Visa Classic Standard 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 5 working days from the date of submission of the application.

Terms and conditions


creditworthy individuals at the age between 18 and 68


Interest rates

- 11.75% annually on the amount of the used credit limit
- 12% on the amount over the credit limit

Annual membership fee*





for the basic card

for the additional cards


for the first year

free of charge

free of charge

for each consecutive year

900 denars

420 denars

for annual turnover over 80,000 denars

free of charge

free of charge

Utilization fees




at ATMs

at counters

of the Bank

1.5%, min. 100 den.

2%, min. 150 den.

of other banks in the

2.5%, min. 150 den.

3%, min. 300 den..

of other banks abroad

2.5%, min. 250 den.

3%, min. 300 den.

* 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