Visa credit cards


The advantages of using Visa credit cards
  • Revolving credit - Settle the minimum monthly obligation in the amount of 5% of total spending from the previous period
  • Payment in installments with no interest in more than 4.000 stores across the country with which the bank has contractual business cooperation. The total amount of the transaction is divided into equal monthly installments and as such is entirely free of interest. The number of installments is agreed upon with the merchant (maximum of 12), and the first payment is due immediately
  • Europ Assistance travel insurance gift card, which provides additonal protection during travel (on the territory of Europe, including Turkey, Cyprus and the Canary Islands, except for Serbia and Montenegro).

VISA Classic

Revolving credit – Settle the minimum monthly obligation in the amount of 5% of total spending from the previous period, while the interest is calculated on the rest of the debt. The minimum amount of 5% is charged on all transactions, as well as interest and all fees. The debt amount in dinars includes a fixed interest rate in the amount of 30.31% per annum (effective interest rate on an annual basis from 32.05%), while the amount of debt in euros includes a fixed interest rate in the amount of 19.86% per annum (effective interest rate on an annual basis from 21.64%). The compound method is used for interest calculation.

Consumption executed domestically is calculated in dinars, while consumption abroad is calculated in euros. Due date for the settlement of the minimum monthly obligations falls on the 10th of the month. Obligations can be settled via Banca Intesa On-line service, Intesa Mobi service, standing order, payment at the Banca Intesa counter and the counters of other banks and post offices. If you prefer, you can pay an amount greater than the minimum monthly obligations or pay the total amount of liabilities.

Minimum Monthly Obligation Calculation Example

TransactionAmount in RSD
1. Purchase at the POS terminal10,000.00
2. Cash withdrawal at the ATM5,000.00
3. Installment purchase (6.000 in 3 installments) 2,000.00
4. Membership200.00
5. Cash withdrawal commission150.00
6.Interest300.00
Total Debt17,650.00
Monthly Obligation 5% on items 1+2+3+4+5+6 882.50

Visa Classic

Credit TypeRevolving credit card – Visa Classic
Limit Approval CurrencyEUR
Indexing CriteriaDinar equivalent per NBS average exchange rate on the funds withdrawal date
Credit Amount250 – 2,490 EUR
Payment Period36 months
DepositNo deposit
Interest rate
  • 30.31% on annual level for consumption in RSD, fixed
  • 19.86% on annual level for consumption in EUR, fixed
Effective interest rate on annual level
  • from 32.05% for consumption in RSD *
  • from 21.64% for consumption in EUR *
    *Except in the case of significant changes when the dinar exchange rate may be lower
Securities2 bills of exchange
Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interest rate
Annual Membership2,400 RSD
2 bills of exchange

Report from Credit Bureau

100 RSD

246

Costs to be borne by the user that are not known at the moment of publication
No additional costs

Example
Credit TypeRevolving credit card – Visa Classic
Credit CurrencyEUR
Indexing CriteriaDinar equivalent per NBS average exchange rate
Credit Amount2.490 EUR
Deposit/
Payment Period36 months
First Installment Amount* 13,953.74 RSD
if the entire limit is spent in RSD


124.50 EUR and 100.00 RSD
if the entire limit is spent in EUR

Interest Rate
(annual level)
  • 30.31% for consumption in RSD, fixed
  • 19.86% for consumption in EUR, fixed
Effective interest rate on annual level
  • 32.05% for consumption in RSD
  • 21.64% for consumption in EUR
Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interest rate
Annual Membership2,400 RSD
2 bills of exchange

Report from Credit Bureau

100 RSD

246 RSD

(*) the amount of following installments is 5 % (minimum 100 RSD/ 5 EUR) of the debt remaining
Other calculations with this product can be received in any Bank branch.

Annual membership amounts to 2,400 RSD for the basic and 1,200 RSD for every additional card and is paid in 12 monthly installments.

Other fees related to this card are available on the Banca Intesa web site within the Bank's Tariff.

Visa Gold

Revolving credit – Settle the minimum monthly obligation in the amount of 5% of total spending from the previous period, while the interest is calculated on the rest of the debt. The minimum amount of 5% is charged on all transactions, as well as interest and all fees. The debt amount in dinars includes a fixed interest rate in the amount of 30.31% per annum (effective interest rate on an annual basis from 31.36%), while the amount of debt in euros includes a fixed interest rate in the amount of 19.86% per annum (effective interest rate on an annual basis from 20.93%). The compound method is used for interest calculation.

Consumption executed domestically is calculated in dinars, while consumption abroad is calculated in euros. Due date for the settlement of the minimum monthly obligations falls on the 10th of the month. Obligations can be settled via Banca Intesa On-line service, Intesa Mobi service, standing order, payment at the Banca Intesa counter and the counters of other banks and post offices. If you prefer, you can pay an amount greater than the minimum monthly obligations or pay the total amount of liabilities.

Minimum Monthly Obligation Calculation Example

TransactionAmount in RSD
1. Purchase at the POS terminal10,000.00
2. Cash withdrawal at the ATM5,000.00
3. Installment purchase (6.000 in 3 installments) 2,000.00
4. Membership500.00
5. Cash withdrawal commission150.00
6.Interest 300.00
Total Debt17,950.00
Monthly Obligation 5% on items 1+2+3+4+5+6 897.50

Visa Gold
Credit TypeRevolving credit card – Visa Gold
Limit Approval CurrencyEUR
Indexing CriteriaDinar equivalent per NBS average exchange rate on the funds withdrawal date
Credit Amount2,500 – 10,000 EUR
Payment Period36 months
DepositNo deposit
Interest rate
  • 30.31% on annual level for consumption in RSD, fixed
  • 19.86% on annual level for consumption in EUR, fixed
Effective interest rate on annual level
  • from 31.36% for consumption in RSD *
  • od 20.93% for consumption in EUR *
    *Except in the case of significant changes when the dinar exchange rate may be lower
Securities2 bills of exchange
Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interest rate
Annual Membership6,000 RSD
2 bills of exchange

Report from Credit Bureau

100 RSD

246 RSD

Costs to be borne by the user that are not known at the moment of publication
No additional costs
Example
Credit TypeRevolving credit card – Visa Gold
Credit CurrencyEUR
Indexing CriteriaDinar equivalent per NBS average exchange rate
Credit Amount10,000 EUR
Deposit/
Payment Period36 months
First Installment Amount*51,023.95 RSD
if the entire limit is spent in RSD


500 EUR and 100 RSD
if the entire limit is spent in EUR

Interest Rate
(annual level)
  • 30.31% for consumption in RSD, fixed
  • 19.86% for consumption in EUR, fixed
Effective interest rate on annual level
  • 31.36% for consumption in RSD
  • 20.93% for consumption in EUR
Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interest rate
Annual Membership6,000 RSD
2 bills of exchange

Report from Credit Bureau

100 RSD

246 RSD

(*) the amount of following installments is 5 % (minimum 100 RSD/ 5 EUR) of the debt remaining
Other calculations with this product can be received in any Bank branch.

Annual membership amounts to 6,000 RSD for the basic and 3,600 RSD for every additional card and is paid in 12 monthly installments.

Other fees related to this card are available on the Banca Intesa web site within the Bank's Tariff.

The documentation needed for issuing of Visa credit cards

You can become the user of VISA credit cards of Banca Intesa regardless of whether you are the Bank's client or not, and the application requires the following documents:

  • ID card

And depending on the employment status:

  • Employed: certificate on employment and income amount
  • Self-employed: certificate on settled income tax and the copy of the Tax Administration certificate on income tax
  • Pensioners: the most recent three pension checks.

Securities:

  • Two bills of exchange