Conditions for approval of credit
Beneficiaries of credit
Citizens of RoC – physical adult persons with full business capacity, who are resident in the RoC, and who meet the criteria for card issue.
Purpose and amount of credit
Revolving credit is approved in general amounts in kunas, which are used with the card as cash free payments for goods and services at points of sale in this country and abroad displaying a sign that they accept the cards, and for revolving credit linked to MasterCard/Visa Classic cards, and for withdrawing cash from ATMs and other payment locations displaying a sign that they accept cards, in this country and abroad.
The amount of revolving credit (credit limit) is set within the following limits:
- from 3,000 to 60,000 kunas for users of American Express cards
- from 4,000 to 40,000 kunas for users of MasterCard i Visa Classic cards
Repayment period
The revolving credit option gives the client the possibility of independently deciding on the length of the time period in which he/she will settle the debt, and on the amount and frequency of payments, since he/she is obliged to pay only the monthly minimum amount of the monthly credit payment. The percentage of the obligatory minimum amount of monthly payments of credit is adjustable, it is set by the card issuer in line with their own acts, and the basic card user is informed about it in writing.
Interest rate
Revolving Loans and Revolving Cash Loans by MasterCard and Visa Classic Cards
• 11.98%* p.a., flexible, for amounts from HRK 4,000 to HRK 40,000
Revolving Loans by American Express Card
• 11.98%* p.a., flexible, for amounts from HRK 3,500 to HRK 44,999
• 9.98%* p.a., flexible, for amounts from HRK 45,000 to HRK 60,000
* The interest rate is defined to the maximum amount permitted by law for contractual interest rates applied between persons out of whom at least one is not a retailer/dealer, reduced by 0.02 percentage points. For further information please click following links - for MC and VISA Classic - for American Express
** The interest rate is defined to the maximum amount permitted by law for contractual interest rates applied between persons out of whom at least one is not a retailer/dealer, reduced by 2.02 percentage points. For more information please click here .
The above stated interest rates concern revolving loans realised on points-of-sale, as also for cash payouts through revolving MasterCard and Visa Classic cards.
All additional information on loans is available at the toll free number 0800 365 365. * FOR CROATIAN RESIDENTS ONLY!