Mastercard Standard credit card

The Mastercard Standard credit card increases your purchasing power and brings greater security and flexibility to your everyday purchases.

STANDARD

Benefits of the Mastercard Standard credit card

  • Payments at home and abroad at more than 100 million merchants – everywhere you see the Mastercard sign.
  • 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.
  • 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).
  • Contactless payments and use of mobile wallet services.
  • Possibility of dividing transactions into up to 12 installments with a one-time fee amounted 5% of the transaction amount, minimum 500 RSD..
  • Revolving repayment method.

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Representative examples

Mastercard Standard credit card

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Type of credit / payment card Mastercard Standard credit card
Total credit amount / limit per credit card 35,000 RSD
Currency RSD
Loan indexing method No indexing criteria
Revolving percentage 5%
Interest calculation method Proportional
Nominal interest rate 16% per annum, fixed (1.33% per month)
Effective ks calculated on 31.01.2025. 17.48%
Security measures Bill of exchange and Administrative ban
Contract duration, i.e. repayment period 36 months (plastic shelf life)
All costs/fees that are borne by the user and are included in the EKS calculation*

Monthly membership fee - 0 RSD

Credit Bureau Report - 0RSD

Bill of exchange - 0 RSD
Total cost of the loan in RSD (amount of interest, fees and costs) 4,638.66 RSD
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs) 39,638.66 RSD

The total amount that the user will pay during the loan repayment period is shown under the assumption that on the day the user receives the credit card, the user uses the entire credit limit and no longer uses the credit card until the expiration date, and that the credit card is free of card issuance fees and monthly membership fees.

Other costs are charged in accordance with the Tariff of Fees for Individuals and in accordance with the signed Credit Card Issuance Agreement.

*Users whose card was issued after 01.01.2025. will not be charged a monthly membership fee.

Understanding makes a difference: borrowing money costs money.
Understanding makes a difference: borrowing money costs money.

How to stay safe in the online environment?

In the digital world, protecting your personal information is crucial. Scams through 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 the 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.

Learn more

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