DINACARD – DEBIT

Debit DinaCard, accepted both in the country and abroad, get the owners of the individuals’ current accounts – free of charge.

In the Republic of Serbia, this card is used for all types of transactions supported by DinaCard system.

Abroad, it is used within the following acceptance networks:
• Discover Network (sale points and ATMs)
• Diners Club International (points of sale and ATMs)
• Pulse (ATNs’ network)

Advantages of Dina payment Card:
• Widespread network of sale points
• Widespread network of ATMs, http://www.dinacard.nbs.rs/docs/atm_list_sr.pdf
• Issued free of charge for all current accounts holders
• Free of charge monthly maintenance
• Payment of goods and services without additional fees
• No fee charged for withdrawals at Agrobanka ATMs

The card is issued for the period of two years. A new card is automatically reissued afterwards.
 

DINACARD – CREDIT

 

Credit DinaCard represents a modern instrument of cashless payments that provides deferred payments. The Credit card is convenient for larger purchases.

The card is accepted at all sale points, PoS terminals and ATMs in the whole territory of the Republic of Serbia, with the DINA sign. The card is issued according to the revolving model of crediting. The revolving credit is being constantly restored. Beneficiary of a Credit Card, with this revolving credit, gets certain limited resources to spend. When ppaying by this card, the limit reduces, but after depositing the payment rate, credit limit gets restored for the amount paid-in, i.e. upon collection of the monthly charges, the available funds, on the card, record the same amount increase and they are now, available to be spent.

Monthly charge, per card, amounts up to 30% of the available funds (regular monthly income). Repayment is performed in one of the models of crediting: 5% or 8.33% or 16.66% or 33.33% percentage of the debt.

The liability is repaid once per month - on 10th, in the current month, minimum amount of the monthly repayment amounting up to RSD 500.
Customers who do not have regular income, deposit foreign currency sum in the amount of 100% of the loan.

Instrument of security as of credit card is a promissory note.
Interest rate is variable, and, at the moment, it amounts 1.75% on a monthly level and is being paid only on the used credit limit.

The card is issued for the term of two (2) years.