Characteristics

CHARACTERISTICS

Golden opportunity for a gold card with an accident insurance policy from Halk Insurance.

The product is intended for individuals with regular monthly income - salary / pension, recipients in Halkbank AD Skopje and / or clients who will provide the card with a deposit.

  • Greater purchasing power for the client with a credit limit up to a maximum of 600,000.00 MKD depending on the creditworthiness.
  • No limit on the number of salaries.
  • Possibility to withdraw cash without commission from the ATMs of Halkbank AD Skopje.
  • Availability of funds 24/7 through ATMs or through the domestic and international network of POS terminals that enable payment with Visa cards.
  • As a benefit - accident insurance policy from Halk Insurance with an annual premium of 600 MKD - for a period equal to the repayment period of the Visa Gold card. The cost of the policy is a liability of the Bank and it’s not an obligation for the credit card holder. The policy is renewed every year and has unlimited territorial and time coverage and insures people up to 70 years.

The sum insured is defined in the policy:
Risk of death from an accident = 300,000 MKD
Risk of permanent disability = 600,000 MKD

  • Minimum monthly refund amount of only 3%, which can be used again.
  • Flexibility for lending.
  • No guarantors, no administrative ban on salary and approval costs.
  • Email notification of each transaction made online.

 Use your bonus points in 3 short steps (.pdf format)

The contactless card enables quick and easy execution of the transaction with just one touch of the card on the POS terminal.
PIN authorization and authorization with personal signature is not required for transactions limited to 2,000.00 MKD or to the contactless payment limit set at the terminal that accepts contactless cards.

The cards issued by Halkbank AD Skopje have the highest standards for security in internet payments (3D Secure - Verified by Visa - VbV and MC Secure Code).

You can immediately apply for a credit card in the nearest branch of Halkbank AD Skopje by filling out the following Аpplication or through the online application.

To be informed about each of your transactions via SMS info, please fill in and send the application for SMS info to the nearest branch of Halkbank AD Skopje or send it via email: help24@halkbank.mk

Advantages

ADVANTAGES

  • Credit limit: Up to 600,000.00 MKD
  • Monthly minimum repayment of only 3% of the used loan
  • Opportunity to withdraw cash without commission from the ATMs of Halkbank AD Skopje
  • Payment up to 60 interest-free installments with over 800 partners of the Bank
  • Collect Bonus Points with Visa Gold credit cards in pre-defined periods at different types of points of sale announced by the Bank. Use the collected points for future payments in the network of POS terminals from Halkbank

     Use your bonus points in 3 short steps (.pdf format)

Interests and comissions

INTERESTS AND COMMISSIONS

Interest rate:

Fee for preparation of main card 150 MKD
Fee for preparation of additional card 150 MKD
Fee for re-issuing main/additional card 100 MKD
Re-issuing before the maturity of main/additional card (demaged/lost card) 300 MKD
Fee for urgent preparation of main/ additional card 800 MKD
Fee for unjustified reclamation  800 MKD
Cash withdrawals at ATM’s of Halkbank No fee
Cash withdrawals at ATM’s of other banks 3,5% minimum 250 MKD
Cash withrawals on counters of the Bank 3,5% minimum 250 MKD
Cash withdrawals on counters of the other Banks 3,5% minimum 250 MKD
Annual membership fee for main credit card  First year 1.200 MKD *Other years according to the ladder annual fee
Annual membership fee for additional credit card  First year 900 MKD *Other years according to the ladder annual fee
Ladder fee  
For realized annual turnover of min 150.000 MKD No annual fee
Fee for invoice issuance No fee
Fee for warning letter 100 MKD
Card blocking by demand from the client through Help 24,e-mail or with written demand No fee
Card unblocking by demand from the client through Help 24,e-mail or with written demand 200 MKD
Credit limit change 300,00 mkd
Pin set   No fee
Changing of PIN on counter 150 MKD
Amount of credit limit Based on credit policies
Fee for issuing  statement for  creditcard   300 MKD

FAQ

Frequantly Asked Questions

HOW CAN YOU APPLY FOR A CREDIT CARD?

It is necessary to visit the nearest branch office of Halkbank AD Skopje where you will have to make an analysis of your creditworthiness. You will be able to download the necessary application documentation at the branch office or you can do the same through the online application.

NECESSARY DOCUMENTATION?

  • Credit card application completed by the user and the employer
  • Transaction account statement from the last 3 months as a confirmation of monthly income / inflows
  • Copy of a valid ID card

HOW CAN YOU PAY THE DEBT ON A CREDIT CARD?

You can sign a standing order that will automatically deduct funds from your credit card debt settlement account each month, thus saving your time.

DOES THE CLIENT MUST BE A RECEIVER OF SALARY / PENSION AT HALKBANK AD SKOPJE?

The product is intended for individuals with regular monthly income - salary / pension recipients in Halkbank AD Skopje and / or clients who will provide the card with a deposit.

DOES THE VISA GOLD USER NEED TO BE ISSUED AN ACCIDENT INSURANCE POLICY BY HALK INSURANCE?

With the newly issued Visa Gold credit card, the client will have to prepare an accident insurance policy from Halk Insurance with an annual premium of 600 MKD - for a period equal to the repayment period of the Visa Gold card. The cost of the policy is covered by the Bank and the credit card user is not indebted. The policy is renewed every year.

For all previously issued Visa Gold credit cards from Halkbank, the terms and benefits continue to apply according to the signed agreement.

HOW LONG DOES THE PROCEDURE FOR ISSUING A NEW CARD TAKE?

Once the request is approved, the procedure for making and delivering the card to the appropriate branch office takes 2 working days and you will receive a notification via SMS.

HOW CAN I GET AN INVOICE FOR THE CREDIT CARD THROUGH E-MAIL?

You need to report to one of our branch offices the e-mail address where you would like to receive the monthly reports, after which the data are updated and the invoices will be delivered to you on a monthly basis.

VALIDITY OF THE CARD?

The validity of the card is 3 years. When used regularly, the card is automatically reissued.

HOW THE BONUS POINTS CAN BE USED?

The collected points can be used for future payments in the network of POS Terminals from Halkbank. 1 bonus point is equal to 1 denar.

The bonus program is valid only for credit cards from the brand Mastercard and Visa for individuals.

 Use your bonus points in 3 short steps (.pdf format)

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