Characteristics

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:

Transaction amount Installments
Up to 1,500.00 MKD No installments
1,500.00- 3,000.00 MKD 2 installments
3,001.00- 6,000.00 MKD 3 installments
6,001.00- 12,000.00 MKD 6 installments
12,001.00- 24,000.00 MKD 12 installments
Above 24,001.00 MKD 24 installments


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

Rates and fees

Visa PayWave Credit Fixed interest rate 7,7%
Basic card fee 150 MKD
Additional card fee 150 MKD
Re-issuing of basic/additional card fee 100 MKD
Re-issuing of basic/additional card fee before validity date expiry (for damaged/lost cards) 300 MKD
Express card issuing fee  800 MKD
Unfounded claims fee  800 MKD
Halkbank ATMs cash withdrawal 3% minimum 200 MKD
Other banks’ ATMs cash withdrawal 3,5% minimum 250 MKD
Cash withdrawal at Bank’s branches 3,5% minimum 250 MKD
Cash withdrawal at other banks' branches 3,5% minimum 250 MKD
Basic card annual fee Free of charge for the first year, 1,200 MKD/year after the first year
Additional card annual fee Free of charge for the first year, 600 MKD/year after the first year
Ladder fee  
For annual turnover of min. 90.000 MKD No fee
For annual turnover of min. 60.000 MKD 600 MKD
For annual turnover of min. 30.000 MKD 800 MKD
Invoice issuing fee No fee
Warning letter fee 100 MKD
Card blocking on client’s request via the helpdesk Help 24, email or in writing No fee
Card de-blocking on client’s request via the helpdesk Help 24, email or in writing 200 MKD
Credit limit change 300 MKD
PIN setting No fee
PIN charge at Bank’s branch 150 MKD
Credit limit amount Based on lending policies
Fee for issuing  statement for  creditcard   300 MKD

Be informed about

CONSUMER LOANS

Say
your need

Be informed about

CHILDREN SAVING

Save
for your children

Go to

E-BANKING

You can
do banking from everywhere!

Copyright 2014 HALKBANK AD Skopje. All rights reserved.