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(02) 3 296 800

 credit card for students and postgraduates  

 credit card for individuals, is a credit card for students and postgraduates. Offers a minimum monthly repayment of 10% of the amount spent and the possibility of getting credit limit 0-12000 denars according to your needs.
Pure 10 for all your needs in academic days.

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

- single account for payments in the country and abroad;
- possibility for payment in instalments with minimal monthly repayment of only 10% of the used part of the credit limit;
- lowest interest rate on the used credit of only 10.32% p.a.;
- credit limit up to 12,000.00 denars;
- 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;
- 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

is acquired at 40 million points of sale and more than 2 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  credit card for students and postgraduates

Follow the following three steps to get your new VISA Revolving Study&Go credit card:

Fill in the short application for VISA Revolving Study&Go credit card for students and postgraduates and provide the accompanying documentation.
The application, along with the documentation, should be presented to the nearest Bank’s branch or city-branch office with expanded services .
You can take your new card within 5 working days from the date of submission of the application.

Terms and conditions


student and postgraduates from 18 to 25 years old, who have no income based on salary


Nominal interest rates***

- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% on the amount over the credit limit

Annual membership fee**

for annual turnover over 30,000 denars

for annual turnover up to 30,000 denars

Basic card

free of charge

360,00 denars

Additional cards

free of charge

240,00 denars

Utilization fees



Komercijalna Banka

of other banks in the country

of other banks abroad

in trade

free of charge

free of charge

free of charge

at ATMs

2%, min 200 denars

3%, min. 300 denars

3%, min. 300 denars

at counters

2%, min. 200 denars

3%, min. 300 denars

3%, min. 300 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. 

*** 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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