American Express Blue
American Express® Blue of attractive design is produced out of transparent plastic and offers:
Flexible payment
- Deferred payment of up to 45 days without interest
- Revolving credit- Settle 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 30.31% per annum (effective interest rate on an annual basis from 31.17%), 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 20.68%). 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 15th 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:
| Transaction | Amount in RSD |
| 1. Purchase at the POS terminal | 10.000,00 |
| 2. Cash withdrawal at the ATM | 5.000,00 |
| 3. Installment purchase (6.000 in 3 installments) | 2.000,00 |
| 4. Membership | 150,00 |
| 5. Cash withdrawal commission | 150,00 |
| 6.Interest | 300,00 |
| Total Debt | 17.600,00 |
| Monthly Obligation (5% on items 1+2)+3+4+5+6 | 3.350,00 |
- 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). The first installment is due immediately entirely, with the next month’s extract. All the following installments come entirely through the extract, in the next months depending on the number of installments and are entirely free of interest.
| Credit Type | Revolving credit card – American Express Blue |
| Limit Approval Currency | EUR |
| Indexing Criteria | Dinar equivalent per NBS average exchange rate on the funds withdrawal date |
| Credit Amount | 100 – 5.000 EUR |
| Payment Period | 36 months |
| Deposit | No deposit |
| Interest rate |
|
| Effective interest rate on annual level |
|
| 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 | 1.800 RSD |
| 2 bills of exchange Report from Credit Bureau | 100 RSD 246 RSD |
| Credit Type | Revolving credit card – American Express Blue |
| Credit Currency | EUR |
| Indexing Criteria | Dinar equivalent per NBS average exchange rate |
| Credit Amount | 5.000 EUR |
| Deposit | / |
| Payment Period | 36 months |
| First Installment Amount* |
|
| Interest Rate (annual level) |
|
| Effective interest rate on annual level |
|
| 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 | 1.800 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.
Discover the world of benefits, discounts and allowances selected for you by American Express. Selects Program can be used around the world on several thousand points of sale: in restaurants, hotels, spa centers, rent-a-car agencies and tourist agencies.
Detailed list of global offers can be found at: www.amexnetwork.com/selects
Free travel health insurance card Delta Generali with assistance and support Europ Assistance.
Annual membership for American Express® Blue credit card is 1.800 dinars for the basic, or 900 dinars for the additional card. The membership 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.