Application fee

Membership fee

Interest rate (fixed, annual)

Effective interest rate

Monthly repayment

Daily ATMs limit

Daily POS limit

Payment in installments free of interest and fees at specially labeled point of sales in B&H

Instant issuing

*Minimum monthly repayment amount is 5% of transaction amount and overdue installment of installment payment + total amount of eventual calculated interest and fees.

**Instant issuing is enabled for Visa Classic deferred debit credit cards. The advantage of card instant issuing is that the client can take over and use his credit card the same day upon signing contractual documentation. 

***EKS is an interest rate that reflects all loan costs, including regular and capitalized interest rates. EKS for credit card is calculated for 2,000 BAM limit, with a monthly repayment of 5% of the remaining debt, and enrolment and membership fees included.

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