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
Use
Acquiring
Fees

Advantages of the card

- 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

Users	creditworthy individuals at the age between 18 and 68
Nominal interest rates***	- 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)* - 10.25% on the amount over the credit limit
Annual membership fee**		for the basic card	for the additional cards
	for the first and 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	2%, min. 200 den.		2%, min. 200 den.
	of other banks in the	3%, min. 300 den.		3%, min. 300 den..
	of other banks abroad	3%, min. 300 den.		3%, min. 300 den.

* The reference interest rate shall be the rate announced and available on the web site of NBRM (www.nbrm.mk) each 25.06. and each 25.12. under the name “interest rate for denar deposits without currency clause” and shall apply for the current six-months period (until the end of the respective six-months period). Current applicable reference interest rate is 1.95%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK

** 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.

*** If the nominal interest rate is higher than the penalty interest rate prescribed by law, the Bank shall calculate interest to the extent of the penalty interest rate prescribed by law, which is currently 10.25% per annum.

The Bank shall apply proportional method for calculation of interest.

Contact person

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

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