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Contact           24/7

contact center:
(02) 3 296 800

 credit card for students and postgraduates  

 credit card for individuals, is a credit card for students and postgraduates. Offers a minimum monthly repayment of 10% of the amount spent and the possibility of getting credit limit 0-12000 denars according to your needs.
Pure 10 for all your needs in academic days.

Advantages of the card

- no membership fee in the first year;
- single account for payments in the country and abroad;
- possibility for payment in instalments with minimal monthly repayment of only 10% of the amount of used credit in trade;
- lowest interest rate on the used credit of only 11.25% p.a.;
- credit limit up to 12,000.00 denars;
- 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;
- 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

is acquired at 40 million points of sale and more than 2 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  credit card for students and postgraduates

Follow the following three steps to get your new VISA Revolving Study&Go credit card:

Fill in the short application for VISA Revolving Study&Go credit card for students and postgraduates 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


student and postgraduates from 18 to 25 years old, who have no income based on salary


Interest rates

- 11.25% annually on the amount of the used credit limit
- 12% on the amount over the credit limit

Annual membership fee*




  for each consecutive year

for the first year

for annual turnover to 30,000 denars

for annual turnover over 30,000 denars

Basic card free of charge

360,00 denars

free of charge

Additional cards

free of charge

240,00 denars

free of charge

Utilization fees



Komercijalna Banka

of other banks in the country

of other banks abroad

in trade

free of charge

free of charge

free of charge

at ATMs

1,5%, min 120 denars

2,5%, min. 150 denars

2,5%, min. 250 denars

at counters

2%, min. 150 denars

3%, min. 300 denars

3%, min. 300 denars

* The annual membership for all types of cards shall be calculated on monthly basis, i.e. the account shall be debited in 12 equal instalments. 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