STANDARD
Mastercard Standard credit card
- Payments at home and abroad at more than 100 million merchants – everywhere you see the Mastercard symbol.
- Secure online shopping with Mastercard Identity Check™ - you confirm your purchase with a unique OTP code that arrives via SMS to your phone number verified in the AikBank system.
- Grace period of up to 50 days - interest is not charged for purchases and transactions made in installments if you pay the full amount of your spending by the payment deadline specified on your monthly statement.
- Google Pay and Apple Pay.
- Possibility of dividing transactions into up to 12 installments with a one-time fee amounted 5% of the transaction amount, minimum 500 RSD.
GOLD
Mastercard Gold credit card
- Payments at home and abroad at more than 100 million merchants – everywhere you see the Mastercard symbol.
- Secure online shopping with Mastercard Identity Check™ - you confirm your purchase with a unique OTP code that arrives via SMS to your phone number verified in the AikBank system.
- International travel health insurance.
- Secure Wallet insurance - refund funds in case of theft.
- Grace period of up to 50 days - interest is not charged for purchases and transactions made in installments if you pay the full amount of your spending by the payment deadline specified on your monthly statement.
- Google Pay and Apple Pay.
- Mastercard Premium program .
- Possibility of dividing transactions into up to 12 installments with a one-time fee amounted 5% of the transaction amount, minimum 500 RSD.
PLATINUM
Mastercard Platium credit card
- Concierge Lifestyle Agent available 24/7.
- Enjoy free access to Business Clubs at over 1,500 airports worldwide, through the Lounge Key program.
- Possibility of payment at more than 100 million merchants at home and abroad – at all merchants with the Mastercard logo.
- Platinum insurance package.
- Cash withdrawals at ATMs without fees for the first three transactions during a calendar month in the country, at the counter and ATM of AikBank and other banks, as well as one cash withdrawal transaction without fees during a calendar month of up to EUR 500 at an ATM abroad.
- Special Contact Center menu.
- Fast money transfer abroad.
- Urgent creation and delivery of the card.
- Exclusive and privileged access to benefits within the platforms: www.mastercard.rs ( premium program ) and www.priceless.com .
- Google Pay and Apple Pay.
GREAT
Credit Mastercard Super Card
AikBank credit Mastercard Super Card is a revolving credit card and Super Card for collecting points when shopping at Idea, Roda and Mercator stores. With every purchase outside the Super Card partner network, you collect points in the amount of 0.5% of the transaction amount, both in the country and abroad.
- Payments at home and abroad at more than 100 million merchants – everywhere you see the Mastercard symbol.
- Secure online shopping with Mastercard Identity Check™ - you confirm your purchase with a unique OTP code that arrives via SMS to your phone number verified in the AikBank system.
- Grace period of up to 50 days - interest is not charged for purchases and transactions made in installments if you pay the full amount of your spending by the payment deadline specified on your monthly statement.
- Google Pay and Apple Pay.
- Possibility of dividing transactions into up to 12 installments with a one-time fee amounted 5% of the transaction amount, minimum 500 RSD. This fee is not charged for transactions carried out within the Bank's partner network (Roda, IDEA and Mercator).
- Revolving repayment method.
Frequently asked questions
Why a credit card and not a loan?
A credit card is your reliable partner when you need quick access to additional funds or want to divide a larger purchase into monthly installments. A loan is usually a better option for larger amounts that you plan to use for one purpose, and with a loan, the entire amount of funds will be paid into your account at once. In the case of a credit card, you use the funds you need within the pre-approved limit, and these are the funds on which you pay interest. You can also choose a credit card based on the model in which you repay your debt - in equal monthly installments, or in full, so that you can maximally align your needs and this financial product.
What is more expensive – a credit card or a loan?
All credit products come with their own terms and conditions, so it's important to familiarize yourself with them before you decide on a loan or credit card, to make sure you understand what your future financial obligations will be. When we take out a loan, we pay interest on the entire amount of funds approved, while with a credit card, interest is calculated only on the funds used and there is no fee for early repayment of the debt.
Why is it good to have a credit card?
A credit card is a solution for quick access to additional funds - when an unexpected breakdown occurs or a sudden opportunity for an unplanned investment that will make your loved ones happy, a credit card is a good way to make your plans come true.
What is the revolving credit card repayment principle?
This means that the funds you have spent on credit card payments and returned in accordance with the monthly calculation can be used again as long as your card is valid. This means that in addition to the 5% of the remaining debt, which is the minimum monthly payment amount, you can decide for yourself the dynamics and amount of repayment of the remaining amount, in accordance with your monthly budget. If you wish, you can also pay the entire amount of the debt, which makes the credit limit available to you in full.
Is interest always paid on spent funds or is it possible to use the card without interest?
Interest is not calculated for purchases and transactions made in installments, if you pay the full amount of the consumption by the payment deadline specified on the monthly statement (grace period of up to 50 days).
How is the credit card limit determined?
The limit, or the amount of available funds, is determined based on your creditworthiness. Creditworthiness is calculated based on your monthly income and existing debts as recorded in the Credit Bureau report.
Is it safe to pay by card online?
Online card payments are secure thanks to Mastercard® Identity Check™ technology. You confirm your purchase with a unique OTP code that you receive via SMS to your mobile phone number that is verified in the AikBank system. It is only important to check with your bank advisor whether your mobile phone number is up to date.
How to stay safe in the online environment?
In the digital world, protecting your personal information is crucial. Scams via fake messages, phishing sites, and suspicious links often seem convincing, but they can seriously compromise your security.
It is important that you know the basic rules of protection in the online environment - from recognizing scams and careful password management, to responsible use of technologies.
Visit the Internet Security page and learn how to spot risky situations in time and how to protect yourself at all times.