• Main information

  • Application - general

  • Application - individual

  • General conditions

  • Application for client registration

  • Application for administration of limits


contact center:
(02) 3 296 800

MasterCard international business card

If you need a business credit card to use on your business trips abroad, then MasterCard international business card is the perfect solution. The card can be used for non-cash payments at any point of sale marked with the MasterCard sign, for cash withdrawals from ATMs or at bank counters.

Advantages of the card

- simple settling of business expenses, throughout the world, commission free;
- simple following of the account balance and spending by users through the Internet Bank and SMS banking services;
- up to 42 days of interest-free period for the transactions realized at points of sale;
- favourable interest rate on the used credit limit;
- option for issuing of unlimited number of cards for your company;
- single account in EUR for use in the country and abroad;
- improvement of your company’s cash flow;
- option for setting daily limits by cards according to your company’s needs
- reduced need of carrying cash when traveling abroad;
- easier and safer than paying with cash;
- 24 hour customer support, around the world.

Card utilization

MasterCard® international business card is acquired at more than 35 million points of sale and more than 2 million ATMs in more than 120 countries in the world. More information on acquiring the MasterCard® cards is available on www.mastercard.com.

For detailed information on all of the card’s characteristics, please read the general conditions for issuance and use of MasterCard international business card.

For bigger safety and comfort when using the card you can apply the tips for safe usage of cards of Komercijalna Banka AD Skopje.

Follow the guidelines and use the option for setting daily and periodic limits by cards according to your company’s needs.

Simple procedure of getting a new MasterCard® international business credit card

Follow the simple steps to get your new MasterCard® international business credit card:

The applications, along with the documentation, submit them to the Head Office or to any of the branches and city-branches throughout the Republic and in the Bank’s city-branch offices with a head thereof the Bank every working day from Monday to Friday from 08:00 a.m. to 04:00 p.m.

Terms and conditions


individuals upon application submitted by legal entithy

Annual membership fee*

60 EUR per card*
Nominal interest rates - 9.6% annually on the amount of the used credit limit (1-month EURIBOR + 9.6%, but not less than 9.6%)**
- 9.436% loan interest rate over the credit limit

Utilization fees


at ATMs

at counters

In the country


cannot be used at counters


3%, min. 4 EUR

4%, min. 6 EUR


* The annual membership fee is paid in denar counter value at middle exchange rate according to the List of Exchange Rates of the National bank of the Republic of North Macedonia valid on the date of payment.

** The rate of 1-month EURIBOR shall be announced at each 31.12. and 30.06. at the web site of the Bank and shall apply for the current six-months period (until the end of the respective six-months period) LINK . If the rate is of negative value, its value shall be taken to be 0.00 when calculating the nominal interest rate.

*** If the nominal interest rate is higher than the legal default interest rate, the Bank shall calculate interest to the extent of the legal default interest rate, which currently is 9.436% for the foreign currency accounts.

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
The website of Komercijalna Banka AD Skopje uses cookies. Cookies are used to improve your user experience. More information on how to use and how to change your cookie settings can be found in the Cookies Policy document.
I accept