MasterCard® Platinum Standard and MasterCard® Platinum Revolving credit cards for individuals

Advantages of the card

- Unquestioned exclusive status all over the world;

- No membership fee in the first year;

- Maximum credit limit of up to 600,000 denars;

- Exclusive discounts at points of sale through the „Club of Privileged“;

- Special treatment for the users through the additional services available all over the world, that include lost/stolen cards alerts, emergency cash payments and emergency card replacement;

- Gift card in the amount of 1,000 denars after expiration of each year from the use of the card;

- Gift card in the amount of 1,000 denars for realized trade turnover over 200,000 denars;

- Free entry and using of the services at the Primeclass business lounge of the airport in Skopje;

- Exclusive admission and free of charge services for the holder, plus one more person at holder’s choice, at VIP lounges at Vienna and Belgrade airports;

- Free SMS banking;

- 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 MasterCard® Platinum Revolving;

- Up to 40 days of interest-free period for the transactions realized at points of sale;

- Enables Internet shopping;

- You get free additional cards for your loved ones for the first year, 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

MasterCard® Platinum is acquired at more that 35 million points of sale and more than 2 million ATMs throughout the world bearing the MasterCard®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 MasterCard® cards is available on www.mastercard.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 MasterCard® Platinum credit card

Follow the following three steps to get your new MasterCard® Platinum credit card:

Terms and conditions

Users	creditworthy individuals that fulfill one of the following conditions: -salary over 70,000 denars; - total net-income according to Annual tax return higher than 1,500,000 denars or - deposit in amount of 110% of the credit limit, not lower than 200,000 denars - trade turnover with other credit cards for individuals issued by the Bank in the amount of at least 600,000 denars in the last 12 months.
Nominal interest rates***	MasterCard® Platinum Revolving - 10.14% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.19%)* - 10.25% on the amount over the credit limit MasterCard® Platinum Standard - 10.14% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.19%)* - 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	3600 denars	1800 denars
	for annual turnover over 600.000 denars	1.200 denars	600 denars
Utilization fees		at ATMs		at counters
	of the Bank	2%, min. 250 den.		2%, min. 250 den.
	of other banks in the country	3.5%, min. 350 den.		3.5%, min. 350 den.
	of other banks abroad	4%, min. 500 den.		4%, min. 500 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 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.