Credit Cards
VISA Gold
VISA Gold
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
- Possibility to withdraw cash without commission every last weekend of the month during the CASH weekend promo
- Monthly repayment of 3% of the total debt
- 50-day interest free grace period for full debt settlement
- Maximum credit limit of 600,000 MKD depending on the client’s income
- Free travel insurance with a 20-day coverage and 365-days validity period
- Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link www.alokredit.mk
- Part of Golden Club – benefit packaging and discounts for Visa Gold card users within the SB trade partners
- International discounts and benefits on http://www.visapremium.com/
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
- The maximum age for active use of the card's credit limit is 75 years
Limits
- Maximum amount per transaction within the country and abroad up to 250,000 MKD
- Cumulative monthly transaction amount within trade network in the country and abroad up to 600,000 MKD
- Cumulative monthly transaction amount within internet-payment in the country and abroad up to 600,000 MKD
- Daily ATM cash withdrawal limit up to 30,000 MKD in the country and abroad
- The maximum number of contactless transactions without entering a pin code during the day is 10 transactions. After exceeding this limit, the transaction should be performed by contact - by inserting the card into the POS terminal and entering the pin code from the card.
- Можност за поставување и управување со трансакциски лимити и блокирање/деблокирање на платежни картички преку e-banking/m-banking на Стопанска банка
- Should you require limit increase please contact the Contact Centre on 3100-109.
Bank charges
Interest rates
- 11.60% annual interest rate, for clients receiving salary on a SB account
- 12.89% 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
- Free of charge for all exclusive clients
- 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
- If during the last 12 months the client is more than 60 days late in paying the monthly minimum obligations, he is not entitled to the above mentioned discounts and the Bank will charge the full amount of 1500 MKD annual membership fee.
- Issuance of additional card free of charge
Fees and other charges
- A fee in the amount of 2% but not less than 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 the 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 1,000 MKD shall be charged to the denar account for a card retained in an ATM abroad.
- 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
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 40,000 MKD
Required documents
- Personally filled-in and signed application form for Visa Gold 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
