Intesa Leasing | American Express Green credit cards intended for members of the Serbian Medical Chamber

American Express Green credit cards intended for members of the Serbian Medical Chamber

You can use the American Express Green credit card for the employees and the members of the Medical Chamber of Serbia to pay for goods and services in installments on sales points with the American Express label posted. Also, this card enables you to withdraw cash on Banca Intesa ATMs in the country or at any of the 550.000 ATMs all over the world with the American Express label on them.

This card represents a universal cash and consumer loan. It functions as a revolving credit, which includes the settlement of the minimum monthly commitment fee of 5% of total spending from the previous period, while the interest is calculated on the remaining debt. The minimum amount of 5% is calculated on purchase transactions at retail locations and ATM cash withdrawals, while the fees, interest, other fees, rates, and fees for cash withdrawals at ATMs charge are calculated in entirety on the monthly invoice. The debt amount in dinars includes a fixed interest rate in the amount of 21.37% per annum (effective interest rate on an annual basis from 22.33%), while the amount of debt in euros includes a fixed interest rate in the amount of 15.67% per annum (effective interest rate on an annual basis from 16.65%). 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 obligation falls on the 15th of the month, which enables the deferred payment of up to 45 days without interest. 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.

This card comes together with the free travel health insurance card Delta Generali with assistance and support on travel.

American Express Green Medical Chamber

Credit Type	Revolving credit card – American Express Green Medical Chamber
Limit Approval Currency	EUR
Indexing Criteria	Dinar equivalent per NBS average exchange rate on the funds withdrawal date
Credit Amount	250 – 2.990 EUR
Payment Period	36 months
Deposit	No deposit
Interest rate	21,37% on annual level for consumption in RSD, fixed 15,67% on annual level for consumption in EUR, fixed
Effective interest rate on annual level	from 22,33% for consumption in RSD * from 16,65 for consumption in EUR * *Except in the case of significant changes when the dinar exchange rate may be lower
Securities	- 2 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 Membership	2.200 RSD
2 bills of exchange Report from Credit Bureau	100 RSD 246 RSD

Example

Credit Type	Revolving credit card – American Express Green Medical Chamber
Credit Currency	EUR
Indexing Criteria	Dinar equivalent per NBS average exchange rate
Credit Amount	2.990 EUR
Deposit	/
Payment Period	36 months
First Installment Amount*	16.799,69 RSD if the entire limit is spent in RSD 150,00 EUR if the entire limit is spent in EUR
Interest Rate (annual level)	21,37% for consumption in RSD, fixed 15,67% for consumption in EUR, fixed
Effective interest rate on annual level	21,30% for consumption in RSD 16,65% 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 Membership	2.200 RSD
2 bills of exchange Report from Credit Bureau	100 RSD 246 RSD

(*) the amount of following installments is 5 % of the debt remaining, while the interest, fees and transactions upon installments are reach the collection in full

Other calculations with this product can be received in any Bank branch.

Annual membership is 2200 RSD for the basic and 1000 RSD for additional card (users are exempt of membership payment in the first year of usage) 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.