Mobi Banka customers who have an active current account and a resident status can apply for a credit card through the Internet application choosing option Product Catalog, Loan products, Credit Card, or in any Yettel shop or calling the Customer Service at 063 9005.

If you have an account opened with Mobi Banka and a permanent residence permit in the territory of the Republic of Serbia, a resident status, and if you are an employee or you are a pensioner, you can apply for a credit card through the Internet application. For more information about the documentation that you need to provide for the application, visit this link.

Status of the application for the credit card can be checked via online or mobile application by selecting option Self care/ Application status.

There are no expenses for credit card application, i.e. there is no fee for the authorization, and query at the Credit Bureau.

You can also use a credit card to refinance a loan, a credit card, a overdraft, or any other credit product at Mobi Banka or other banks. You need to submit a request through the Internet application on the path Product Catalog, Loan products, Credit Card with Refinancing. In addition to the approval documentation, it is also necessary to provide a Debit Relief Certificate from another bank for the obligations that you want to refinance. When activating credit card, Mobi Banka will directly transfer the funds for refinancing to another bank and charge the limit of the credit card for the amount that is refinanced and compensations, if refinancing is on installments.

Yes, this is the Revolving credit card that functions on revolving payment model. Additionally, each credit card transaction can be divided into installments, if it's executed in the current month. This service is available via application, in the option Credit card transaction details.

Revolving repayment model provides deferred payment of goods and services and the amount of the monthly obligation can vary. The bank notifies the client by statement on the amount of monthly due and minimal percentage of the debt that should be paid. Rest of the debt will be transferred into next accounting period and will be paid, along with new spend amount, again in contracted percentage at the moment of arrival. The debt can be paid at the moment of arrival and in higher percentage then the defined minimum, and at any time it is possible to pay off the entire debt. Calculation of the interest will differ depending on the date of payment of a part, or entire debt.

Grace period implies that the beneficiary will be notified on the last day of the month but can make the payment by 15th day of the next month. During this period interest is not calculated if the entire spent amount is returned.

It is necessary for beneficiary to provide the means on his current account in Mobi Banka no later that 15th day of the month to pay for his monthly dues and the bank will automatically collect a part of the debt every month. Minimal amount of repayment is 5% of the remaining principal balance or minimal 1.000 RSD. In case when 5% of the remaining principal balance is less than 1000 RSD, a 1000 RSD monthly payment will be charged.

Payment for credit card obligations can be made in two ways:

1. By making a payment to your current account in Mobi Banka

Your account in Mobi Banka is active immediately after the contract signing.

You can see the number of your account in the contract, on the debit card issued with the account or in Mobi Banka’s mobile or internet application. 

Payment for credit card obligations can be made to your current account in Mobi Banka, in the way it best suit you:

• Directly at Mobi Banka’s ATMs, using debit card or mCash service via mobile phone
• Via internet or mobile application, or with standing order if you have a current account in another bank
• At Mobi Banka branch, Omladinskih brigada 88, 11070 Belgrade
• In other domestic banks, post office and payment institutions

2. By making a direct payment to Mobi Banka account 908-11501-07 with the reference number of your loan product.

You can transfer funds using option internal transfer on the home page, after logging in, by choosing the option Internal transfer on the Quick-to-Pay widget.

In this case, penalty interest will be calculated for delay in payment, which includes the period from the 1st in the month to the time of repayment.

Credit card statement is available in the bank application at the beginning of the month and you can find it at My accounts/Credits/Credit card/Details/List of statements.

The card can be activated through the online or mobile application on the path Cards/ Settings / Card activation. Then you can define the PIN for the card of your choice, after which the card is immediately ready for use. Yes, PIN for credit card can be the same as for debit card.

It is possible to divide credit card transactions into installments. This service is available via application, in the option Credit card transaction details. You can split into a installments transaction that meets the following requirements:

• payment made in the current month,
• at your credit card limit are available funds in the amount of the transaction that you want to split into installments,
• the minimum amount of transaction that can be divided into installments is RSD 2,000,
• fee  for split to installments is 6% of the total amount of the transaction or 500 RSD minimum. The fee will be evenly distributed and charged with each installment (for example if you divide 10.000 to 10 installments, the fee will be 600 RSD and it will be charged in the next 10 months in the amount of 60 RSD).
  

The highest number of instasllments you can choose is 12.

All card payments made at payment locations or on the Internet can be divided into installments. Transactions made through the Internet or mobile applications, such as payment of funds from the account credit limit or internal transfer, are not covered by this service.

Progresiv users can make card payments without commission at all points of sale marked with MasterCard in the country and abroad. For Starter and Basic users commission of 1.5% of the transaction amount is calculated for payments abroad (online and at POS), while the payments in the country are without the commission. Also, Bills on click and Topup are free of charge. Other payments via mobile or internet applications, as well as cash withdrawals at ATMs and bank counters at home and abroad, have a certain commission. The commission fee can be found in the bank's tariffs here.

The Certificate of settled obligations will be sent to you at the registered email address in 5 working days from closing a credit card. Making this certificate is free of charge.

You can get a confirmation of the balance of the debt by calling our Customer Service at the number 063 9005 or by sending request for it to email banka@mobibanka.rs. The fee for making the certificate is RSD 750, and you need to provide this amount in the current account when submitting a request. The confirmation will be delivered to you on the next working day.

• Internet payment channel is switched OFF - we advise you to make sure that your internet payment channel is switched ON in the application before confirming the payment (path: Cards/Limits) 
• Insufficient funds on the account
• Maximum number of card transactions reached - check settings in the application, options: Cards/Limits 
• Card blocked or inactive - check the status of the card via the application, in the option Cards 
• We especially want to draw your attention to the recurring fee for subscription services - unsubscribe from the subscription services directly at the merchant