VISA GOLD
With the VISA Gold credit card, you can pay for goods and services and withdraw cash both domestically and internationally, up to the approved credit limit.
The credit limit is granted in Serbian dinars (RSD), without foreign currency clauses or retail price growth indexation.
The credit limit is granted in Serbian dinars (RSD), without foreign currency clauses or retail price growth indexation.
The conditions vary based on the type of client. Choose one of the three categories that apply to you:
Clients receiving salary/pension through Adriatic Bank a.d. Beograd - Eligible for a credit limit based on their creditworthiness.
Clients not receiving salary/pension through our bank - Eligible for a credit limit based on their creditworthiness.
Clients with a 110% secured deposit in the bank - Receive a credit limit equal to their deposited amount.
Eligibility used VISA GOLD credit card
The VISA Gold card is a credit card from the international VISA brand and can be used at all destinations worldwide.
It is recognized as a travel card and offers exclusive benefits in hotels, restaurants, entertainment venues, and retail stores across the globe.
Key Advantages
Budget-friendly – Allows deferred payments and up to 45 days of interest-free purchases.
Secure online shopping – Protected by VISA® Verified by VISA™, with purchase confirmation via a unique OTP code sent to your mobile phone via SMS.
Contactless chip technology – Enhances security, with SMS notifications for every transaction.
Representative Example for Clients Receiving Salary/Pension via Adriatic Bank
| VISA GOLD credit card | |
|---|---|
| Approved Credit Limit | 150,000 RSD |
| Currency for Payments | RSD |
| Repayment Period | 24 months |
| Indexation Criteria | None |
| Nominal Interest Rate | 12,66% godišnja fiksna |
| Effective Interest Rate (EIR) | 17,74% |
| Revolving Payment Percentage | 5% |
| Average Monthly Installment | 6.828,33 RSD |
| Total Repayment Amount (Principal + Interest + Fees) | 178,004.23 RSD |
| Additional Costs for the Cardholder | |
| Annual Membership Fee | 3,500 RSD (charged for two years = 7,000 RSD) |
| Credit Bureau Fee | 246 RSD |
| Promissory Note Fee | 50 RSD |
