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AIK Banka MasterCard standard credit card

increases your consumer power - the credit card limit does not depend on the available funds in your payment account

You can choose between one of the three options for debt settlement

    In equal monthly instalments

    You choose – with only one SMS message you can divide the amount of your transaction in 3, 6, 9 or 12 equal monthly instalments.


    Out of the total spent amount, you repay 5% to the Bank and you can re-use the portion you return minus interest.


    Use the grace period (charge option). If you settle the overall spending during the current month, no interest will be calculated on the used amount up to your credit card limit.

      Fixed interest rate

      SMS notification about completed transactions

      Chip technology for further security

    Representative example

    MasterCard Standard card (for the users of START current account package)
    Approved limitEUR 1.000
    Revolving percent5%
    Method of calculationSimple
    Nominal interest rate15% annually, fixed (1.25% per month) simple method of interest calculation
    Effective interest rate calculated on 1st January 202115,88 % - annually
    IndexationIn EUR***
    Plastic card shelf life36 months
    Additional costs borne by the card holder**Promissory note - RSD 50 Credit Bureau report - RSD 246
    Total amount to be paid by the card holder during the loan repayment period****EUR 1.212,67

    For the holders of MasterCard Standard credit cards which are not within START package, a fee will be charged for issuance, re-issuance and monthly memberships in line with the Retail Fee Tariffs *** The spending in the Republic of Serbia is subject to the NBS middle exchange rate for the EUR on the settlement day of each transaction. All card transactions performed abroad are EUR denominated by applying the inter-currency rate of exchange established by MasterCard system for the conversion of transaction amounts made abroad.  ****Under the assumption that on the receipt day of the credit card the holder uses the whole limit, the total amount to be paid during the loan repayment period. Other costs are paid in line with the Fee Tariffs for retail clients and the signed Credit Card Issuance Agreement.

    Frequently Asked Questions

    Why a credit card and not a loan?

    A loan serves a specific planned purpose while a credit card should help us in unforeseen situations. When taking a loan, we receive the whole amount of the funds, while with a credit card we use the amount of money necessary at the moment. The credit card debt is settled as we choose, while loan obligations are fixed and determined in advance.

    What is more expensive – a credit card or a loan?

    When taking a loan, we pay the entire amount of granted funds, while a credit card interest is calculated only on the used funds, with no fee for early debt repayment. A credit card is not necessarily more expensive; you only need to learn how to use it properly.

    Why is it good to have a credit card?

    A credit card is a solution to the fulfilment of your wishes or covering unexpected expenses. Your mobile phone is out of order and you can’t afford to buy a new one. If you have a credit card in this or similar situations, you’ll be able to make an unplanned investment and to make a sure gain. Your obligations and contacts weren’t affected. Think of a situation where all your friends plan rafting, and you currently don’t have enough money so you can’t join them. The expense is not too high to deprive yourself of unforgettable moments. If you have a credit card, this will probably be the right time to use it. The best you can think of a credit card is: It is better to have one; you never know when you’ll need it.

    Is the procedure of obtaining a credit card complicated?

    Your card is valid for three years and we will renew it easily online. Apply here

    What is the revolving payment principle for a credit card?

    It means that the funds you spent making credit card payments, which are repaid according to the monthly calculation can be reused as long as your card is valid. The good thing about this method of payment is that you can make your own decisions about the repayment amount and schedule, except for the minimum portion (5% of the outstanding debt) for payment every month. You may also pay the whole amount, depending solely on your wishes and plans, while you can reuse the settled portion minus interest.

    Is interest always paid on the spent funds or is it possible to use a card at no interest?

    There are two possibilities for not paying interest on the spent funds: • The first one is the charge repayment method which allows you to use the card during the month and in case you fully settle the spent amount before the end of the month, no interest will be calculated. • The second one is the instalment repayment method of some card debt, based on which the transaction amount can be divided into 3, 6, 9 or 12 equal monthly instalments. If repayment is regular, no interest will be calculated. If you choose this option, you’ll pay only the fee with the first monthly instalment.

    How to determine the credit card limit (available funds)?

    The limit is determined on the basis of your creditworthiness. Creditworthiness is calculated on the basis of your monthly earnings and existing liabilities documented in the Credit Bureau report.

    If I have no regular monthly earnings, can I apply for a credit card and how?

    Of course, AIK Banka has a solution for all clients. If you have no regular monthly earnings (salary, pension), we offer you the possibility to apply for a credit card by placing a EUR special purpose deposit. The advantage of this option is the interest rate for the special purpose deposit which is equivalent to the interest rate for standard term savings. With the supplied promissory note, the credit card limit can be up to 100% of the deposit.

    Is it safe to pay by card online?

    AIK Banka has introduced the 3D Secure system for secure purchase by MasterCard online. When paying at online points of sale with the displayed MasterCard SecureCode, the client can, thanks to the advanced method of online payment protection, confirm each transaction with a One Time Password (OTP) received for each online transaction in a SMS to his/her mobile phone number registered for Card alert SMS service (notification about executed transaction). It is only important to check with your bank consultant whether your mobile phone number has been updated.