Visa Gold Standard and Visa Gold Revolving credit cards for individuals

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

 

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:

Terms and conditions

Users	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 - 10.64% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.69%)* - 10.25% on the amount over the credit limit Visa Gold Revolving - 10.84% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.89%)* - 10.25% 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	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 1.95%. 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 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 10.25% per annum.

The Bank shall apply proportional method for calculation of interest.