Credit Cards
VISA Star Classic
VISA Star Classic
Card info
Card info
- International contactless credit card connected to the denar transaction account
- Possibility to split the transactions up to 36 interest-free instalments
- Monthly repayment of 3% of the total debt
- 45-day interest free grace period for full debt settlement
- Maximum credit limit of 300,000 MKD depending on the client’s income
- Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link alokredit.mk
- Free travel insurance with 20-day coverage and 365-day validity period
Use
- Free of charge payments within the trade network
- Monitoring and managing the account via the SB e-banking service
- ATMs and over-the-counter (OTC) cash withdrawals under the most favourable terms and conditions
- Can be used in the country and abroad
- Can be used for internet payments with the highest protection level - 3D-Secure standard for SAFE online purchasing
- No PIN required for contactless payments within the trade network up to 2.000 MKD
Limits
- Maximum amount per transaction within the country and abroad up to 150,000 MKD
- Cumulative monthly transaction amount within trade network in the country and abroad up to 300,000 MKD
- Daily ATM cash withdrawal limit up to 30,000 MKD in the country and abroad
- Should you require limit increase please contact the Contact Centre on 3100-109.
Bank charges
Interest rates
- 9.23% annual interest rate, for clients receiving salary on a SB account
- 10.25% annual interest rate, for clients not receiving salary on a SB account
- 0% interest for interest-free transactions with SB trade partners
- The interest is calculated only on the amount used
- Refinancing of the debt from credit cards and credit cards from other banks shall be done under the aforementioned interest rates depending on the client’s category
Membership fee
- Free of charge for the first year
- 0 MKD membership fee
- with realized transactions of 90,000 MKD within a year
- SB mortgage or secured loan borrower
- The card is issued on the grounds of pledged deposit
- 395 MKD membership fee for clients receiving pension on a SB account and have opted to receive electronic delivery of their monthly statements
- 595 MKD membership fee for clients receiving pension on a SB account and have opted to receive their monthly statements by post
- 695 MKD membership fee for clients receiving or not receiving salary on a SB account and have opted to receive electronic delivery of their monthly statements
- 895 MKD membership fee for clients receiving or not receiving salary on a SB account and have opted to receive their monthly statements by post
- Issuance of additional card free of charge
- 90 MKD charge for a renewal of a card (one-time fee charge in 5 years upon issuing a new card)
Fees and other charges
- A fee in the amount of 2% + 100 MKD of the amount of transaction shall be charged to the Denar account for SB ATMs cash withdrawal.
- A fee in the amount of 5% but not less than 100 MKD of the amount of transaction shall be charged to the denar account for SB over-the-counter (OTC) cash withdrawal.
- A fee in the amount of 100 MKD + 3% of the amount withdrawn shall be charged to denar account for other banks ATMs and over-the-counter (OTC) cash withdrawals in the Republic of North Macedonia.
- A fee in the amount of 150 MKD shall be charged for issuance of a new PIN
- A fee in the amount of 300 MKD shall be charged for re-issuance of a new card, provided that the old card has been damaged, lost or stolen
- A fee in the amount of 150 MKD shall be charged for re-issuance of a new card upon a change of the holder’s name or surname
- A fee in the amount of 1,000 MKD shall be charged to the Denar account for a card retained in an ATM abroad.
Criteria and documents
Credit criteria
- Individuals who are citizens of the Republic of North Macedonia
- Age of the card holder - from 20 to 67 years old on the date of application
- Minimum salary in the amount of 8,100 MKD
Required documents
- Personally filled-in and signed application form for Visa Star credit card
- Valid ID
- For clients receiving salary/pension on a SB account
- Bank statement from the previous three months
- For clients not receiving salary/pension on a SB account
- Employment certificate with an issuance date not older than 30 days, certified and signed by a person authorized by the employer
- Other documentation may be requested in order to prove the amount of a monthly salary
