Mastercard revolving

Flexible and practical card product, which represents 3 different cards in one piece of plastic, depending on Card Holder's requirements and preferences:

  • Payment card with no interest and/or fees - buying goods and services in up to 24 installments at specially labeled points of sale in B&H.
  • Standard interest free deferred payment card - If you repay transactions made in the previous month in total until the due date of the minimum repayment amount (15th day in the current month), your card functions as a pay-later interest free card;
  • Revolving credit card - You repay costs at some later point, according to your possibilities, while respecting the defined minimum monthly repayment amount (5% of the executed transactions plus accrued interest and fees, if any). Nominal interest rate is 12% fixed, EIR* is 15.74%*.

Mastercard revolving card offers an additional advantage for debt servicing, because if you wish the Bank may automatically debit your account on the 15th day in a month in order to settle a percentage amount of outstanding transactions as of the last day in the previous month, by setting repayment for example as 10%, 20%, 50% or 100%, with an option of changing the percentage on month to month basis.

*EIR is the interest rate which reflects all loan-related costs, including regular and intercalary interest. The formula for EIR calculation under credit cards is based on the BAM 2.000 limit, with monthly repayment of 5% of the outstanding debt, including application and membership fees.


Payment in installments without interest and fees

How to pay in installments?

Simple and instantly via EFT POS at specially labeled points of sale!

When you pay by your card, just select the number of installments you want to pay for the product or service (taking into account the maximum number of installments offered by the POS). You confirm the transaction by signing the slip. 

At the moment of paying by your MasterCard revolving card, it is sufficient to have available such portion of the card limit approved to you, which is equal or greater of the aggregate installment purchase amount.

For the list of merchants and information how many installments are available with no interest and fees, please click here.

Benefits for Card Holders:

  • Simple and Quick Service – at Bank's EFT POS terminals (no additional documents and paperwork, no queuing...);
  • Transaction is free of any further costs, no interest and no fee;
  • Better control of finances (the overall amount is distributed to a chosen number of installments);
  • Opportunity to purchase a wider range of products of higher value;
  • Transactions safety (fully electronic data transfer).

Miles & More

Miles & More is Europe’s largest traveler award program and not exclusively for frequent flyers!

As a member of Miles & More program, you will earn award  miles for flying with Lufthansa and other partner companies.  Miles are also earned for staying in hotels, using rent-a-car services and with many other partners of Miles & More program worldwide.

The award miles earned can be redeemed for flight or non-flight awards with Lufthansa and other partner companies. For more details on the Miles & More program, please visit www.miles-and-more.com.

Miles & More functionality of earning award miles is available via your MasterCard revolving card, if you apply for this exceptional service at an outlet of UniCredit Bank.

By using your MasterCard revolving card for your daily spending like paying for fuel at a gas station, usual shopping, going out for dinner, buying gifts or leaving for holidays, with Miles & More award miles functionality you in fact earn 1 award mile for every 3 BAM spent.

You can apply for Miles & More functionality when opening a new MasterCard revolving card, but also with the existing UniCredit Bank MasterCard revolving cards. In order to activate the service, please apply to the nearest UniCredit Bank branch office. 

If you are already a member of Miles & More program, we ask you to apply for a MasterCard revolving card in the nearest UniCredit Bank branch office in order to upgrade your active membership in the Miles & More program.

For each newly activated mile earning service under a  MasterCard revolving card, the Card Holder receives from UniCredit Bank a welcome bonus of 1,000 award miles!