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(02) 3 296 800

Visa Gold Standard and Visa Gold Revolving credit cards for individuals

Visa Gold is a prestigious credit card recognized all over the world as a distinctive status symbol. Offering incredible credit limit of 500,000 denars, VIP additional services and a bonus of 0.4%, the possibilities of the Gold cards are priceless. Choose the right Gold card for you – Visa Gold Standard or Visa Gold Revolving and became part of the chosen ones.
APPLY ONLINE – For Internet Bank users having an option for payment, the Bank has provided a faster and simpler procedure for online applying for a credit card.

Advantages of the card

- exclusive premium status;
- no membership fee in the first year;
- credit limit of up to 500,000 denars;
- special treatment for the users through the additional services that include emergency cash payments, card replacement and medical and legal advice, as well as wide range of special discounts and benefits from the Visa programme;
- bonus of 0.4% from the monthly realized transactions through remittance on your behalf in KB Publikum – Balansiran;
- acquired at millions of points of sale throughout the world;
- single denar account for payments in the country and abroad;
- possibility to pay in installments with a minimum monthly repayment of only 20% of the used part of the credit limit with Visa Gold Revolving;
- up to 45 days of interest-free period for the transactions realized at points of sale;
- 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


Visa Gold is unconditionally acquired at 40 million points of sale and more than 1.9 million ATMs in more than 170 countries in the world. Its use ensures VIP treatment and exceptional privileges that are exclusively available to Visa Gold users all over the world.

More information regarding the discounts and benefits of the Visa Gold cards is available at the following link. Visit Visa International’s special web site and get acquainted with the latest global benefit programs for the Visa Gold users.

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 Gold credit card

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

Fill in the short application for Visa Gold 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, having specialized current account counters.
You can take your new card within 5 working days from the date of submission of the application.

Terms and conditions



creditworthy individuals that fulfil one of the following conditions:
- salary over 40,000 denars;
- total net-income according to Annual tax return higher than 1,200,000 denars or

- deposit in amount of 110% of the credit limit, not lower than 150,000 denars

Nominal interest rates***   

Visa Gold Standard
- 9.97% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.69%)*
- 9.25% on the amount over the credit limit
Visa Gold Revolving
- 10.17% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.89%)*
- 9.25% on the amount over the credit limit

Annual membership fee**





for the basic

for the additional


for the first year

free of charge

free of charge

for each consecutive year

1,800 denars

900 denars

for annual turnover over 250,000 denars

free of charge

free of charge

Utilization fees




at ATMs

at counters

of the Bank

2%, min. 250 denars

2%, min. 250 denars

of other banks in the country

3.5%, min. 350 denars

3.5%, min. 350 denars

of other banks abroad

4%, min. 500 denars

4%, min. 500 denars

* 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 1.28%. 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 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. If the cardholder closes the card before expiration of the year for which the membership fee is charged, the Bank shalll collect the remaining amount of unpaid membership fee for the respective year.

*** 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 9.25% 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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