Characteristics and benefits of the product

The credit card allows cashless payments at retailers and withdrawing cash at the Bank or at Bank’s ATMs. The card is international, meaning that it supports fee-free transactions on domestic and foreign online shops.

Visa PayWave Credit allows payments in 2, 3, 6, 12 and 24 installments, depending on transaction amount for transactions made on POS terminals, Internet and Halkbank AD Skopje ATMs and all other banks both in the country and abroad.  Installment amount in is not optional, depending on client’s or retailer’s preferences, but is defined automatically, depending on the amount of the transaction on which interest is being charged.

The Visa PayWave credit card features the highest internet payment safety standard (3D Secure - Verified by Visa-VbV).

Installment amount in is not optional, depending on client’s or retailer’s preferences, and it is defined automatically, depending on the amount of the transaction on which interest is being charged:

PIN authorization with personal signature is not required for transactions amounting up to Bank’s limit or up to the contactless payment limit set by the terminal accepting contactless cards

Card validity:  3 years with option for automatic re-issuing

Interest rate       Fixed interest rate of 7.7%

Repayment:      Minimum monthly amount due and payable by basic credit card user to the Bank is 100% of the monthly installment defined with the deferred payment plan, 100% of all fees and commissions applicable arising from the transactions made and 100% of the amount of the regular and default interest applicable.

Interest-free grace period - not applicable

Amount of credit limit     Option for credit limit up to 5 salaries - maximum amount of 200,000.00 MKD

Rates and fees