It's easy when you manage your card with a click

Use the app to get everything done, in 3 steps:

After the agreement has been concluded, the credit card limit will be available to you, and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

If you do not have a current account opened with us, you can submit a credit card application, and we will open your account after the application has been approved.

After the agreement has been concluded, the credit card limit will be available to you, and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

• Authorization for granting a loan for refinancing loans at another bank
  
• Certificate of employment or a bank account statement from the commercial bank where you receive your salary/pension
  

You will be required to submit the Authorization in its original form at the Bank’s point of sale, as well as the Certificate of Employment or bank account statements, unless they have originally been issued in electronic form or signed using an electronic certificate.

• Authorization for granting a loan for refinancing loans at another bank
• Certificate of employment or a bank account statement from the commercial bank where you receive your salary/pension

You will be required to submit the Authorization in its original form at the Bank’s point of sale, as well as the Certificate of Employment or bank account statements, unless they have originally been issued in electronic form or signed using an electronic certificate.

Full-time employees

Credit card

• The monthly bank account statements from the bank where you have been receiving your salary for the past 3 months in PDF, showing the last three salaries paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or 

• Certificate of employment and amount of income issued in soft copy and signed with a digital certificate by the employer.

If the employer does not use digital certificate for signing, you can provide a certificate that has been signed and stamped. 
Please find an example of a duly filled-in stamped and signed Certificate below.

• PPDG5/PPDG2R - Certificate of personal income tax return for taxpayers of this type of tax

Credit card with refinancing

• Authorization for granting a loan for refinancing loans at another bank 
  
• The monthly bank account statements from the bank where you have been receiving your salary for the past 3 months in PDF, showing the last three salaries paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
  
• Certificate of employment and amount of income issued in electronic form and signed with a digital certificate by the employer 
  

If the employer does not use the digital certificate for signing, you can provide a certificate that has been filled in and certified by the employer. 

Please find an example of a duly filled-in stamped and signed Certificate below.

• PPDG5/PPDG2R - Certificate of personal income tax return for taxpayers of this type of tax

Pensioners

RSD pension

• The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
• Pension checks for the last three months, or
• Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
• Authorization for granting a loan for refinancing loans at another bank — should be submitted only when refinancing liabilities at another bank

Foreign currency pension

• A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
  
• The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking
  
• Authorization for granting a loan for refinancing loans at another bank — should be submitted only when refinancing liabilities at another bank

Authorization for granting a loan for refinancing loans at another bankExample of a properly filled in Authorization for granting a loan for refinancing loans at another bank

• Natural persons with residence in the Republic of Serbia (residents)
• Persons above the age of 18 with an ID card that is valid at the moment when they make their application
• Employees and pensioners who receive their regular monthly income of at least 20,000 RSD  
  
• Persons employed with companies that have active status and have good credit history with no payments past due on any obligation in the Credit Bureau.

When it comes to levels of employment, those eligible for the credit card are persons who are:

• Persons who have been employed with their current employer for at least 3 months (full-time and part-time)
• Pensioners

Sample revolving credit card with an option to refinance

Total approved limit per credit card is 150,000 RSD, part of this limit in the amount of 90,000 RSD will be used to refinance through installments. 

Example of consumption with revolving credit card:

Minimum payment by 15 August (equal to 5%):  

1,450 RSD (5% of the item 8 value above)

Minimum payment structure:

• fee: 500 dinara
• interest rate: 117 dinara (interest rate on 31 July for the amount of 5,000 RSD (1-5))
• principal amount: 833 RSD

Fees and interest rates are prioritised when payments are made and must be paid fully. Minimum payment is 1,000 RSD.

Interest rate is calculated from the remaining principal balance from the previous period minus the payment.

Payment by 15 August in the amount of: 

• 29,617 RSD – the calculation on 31 August will not include any interest rate (as total loan is paid off before the 15th day in the month)
• 12,000 RSD – the calculation on 31 August will include 411 RSD worth of interest rate (interest rate included for remaining principal balance of 29,617-12,000=17,617 on 31 August is 411 RSD)
• 1,450 RSD (minimum payment) on 31 August will include 657 RSD worth of interest rate (interest rate included for remaining principal balance 29,617-1,450=28,167 on 31 August is 657 RSD) 

Sample calculation of refinance fee on the amount which is going to be used for refinance through installments. On this amount will be paid only refinance fee. For period of 12 months this fee is 4.800 RSD. The fee is charged as follows:

The chart shows refinance fee on the amount of 90.000 RSD for a 12-month payoff period. Fee in case of refinancing through installments for other amounts and periods is presented in Product catalogue and charges and service fees of Mobi Banka for individuals.

Until August 15th it is necessary to pay a total amount of 9.350,00 RSD or 1.450 RSD (5% of the 8 points) and the total amount of 7.900,00 RSD for refinancing on installments for the first month.

• Client may only possess one credit card. 
• Credit limit is approved for 36 months.
• Grace period is 45 days (30+15).
• Loan maturity date is last calendar day of the month
• Loan payment tolerance is 15 days – maturity is on the last day of the month, but payments may be made up to the 15th day of the following month
• Minimum loan amount approved is 30,000 RSD and maximum amount is 600,000 RSD.
• Credit limit is approved only in RSD currency.
• Minimum instalment is 5% from remaining principal balance, a minimum of 1,000 RSD (in case of revolving refinance).
• Mandatory monthly payment is done against the current account, while the client can pay off the remaining principal loan using the internal transfer from the current account to the credit limit.
• The portion of the loan already paid off is available for use.

Details of credit card with refinance option

• During the refinance process, credit limit for the client is placed with the bank for the refinanced amount and those funds are transferred to the other bank, in accordance with the remaining principal balance statement
• If the option is instalment refinance, then the minimum instalment is 5% from the used amount (pre-refinance) or a minimum of 1,000 RSD plus the refinance instalment
• If the credit card or the overdraft are refinanced, the account will be blocked and the limit will not be at the client’s disposal until the client submits a confirmation letter to any Yettel shop showing that the debt has been settled.

The following payments can be made from the credit account:

Payments using the application can be performed once the credit account has been approved, regardless of whether the card has been physically collected by the client or activated. Standing orders or payments in foreign currency cannot be made from the credit account.

Online payments from the credit account are performed when the client initiates a transfer request using the web or mobile apps, by selecting the credit account for payment, instead of the current account. Further payments are performed the standard way using the current account. In order for the account balance changes to be clearly visible for the client, the overview showcases the following transactions:

• money transfer from credit account to current account
• payments to current account
• expenditure transactions from the current account – payment
• commission charges

After the payment is made, the credit account – i.e. the credit card – is billed the amount paid plus commission fee (in accordance with Bank's Tariffs available here)