Ascertain your well-deserved premium status with our Mastercard Gold card. A gold card is your key to numerous privileges.
It is not an easy task to get a gold card but it is not an impossible one either. Apart from gold, the new Mastercard Gold cards have one more powerful symbol in its design: Bobotov Kuk’s motif (at 2,523 m it is believed to be the highest peak in Montenegro).
It symbolizes growth and stability, values that can follow your finances as well.
Why do I need this card?
- Premium status wherever you pay
- Numerous benefits for MasterCard Gold holders around the world
- Superior Banking privileges
- Non-cash domestic and international payments free of any commission or fee
- Quick contactless payments
- Online shopping
- Cash withdrawals at ATMs
- Free of charge Generali Health Travel Insurance
- Credit limit is higher than with other payment cards
- Security SMS for every completed transaction
- You can enjoy Business Club services free of charge at Nikola Tesla Airport in Belgrade (Serbia), Vienna International Airport in Vienna (Austria) and International Airport in Sarajevo
How do I get this card?
- The necessary requirement is for the Client to have had at least € 1,000 net salary over the past three months, or to have paid a deposit of 100 % of desired credit limit
- Filled in Mastercard Gold application form
- Photocopy of personal document (ID card or passport)
Additional documents required dependent on the client's status:
For clients receiving their salary/pension via Hipotekarna Bank- Evidence showing 1/3 salary is under no burden, to cover twice the amount of the percentage of revolving credit
- Signed bill of exchange
- Decision on attachment of salary
- Permanent payment order signed
For other citizens
- Evidence showing 1/3 salary is under no burden, to cover twice the amount of the percentage of revolving credit Signed bill of exchang
- signed bill of exchange
- Decision on attachment of salary
- Permanent payment order signed
- Deposit as follows
- 20 % of credit amount requested + 2 guarantors (joint credit capacity) or
- 40 % of credit amount requested + 1 guarantor (guarantors must show 1/3 of their salary is under no burden, to cover twice the amount of the percentage of revolving credit)
For Clients depositing 100% of credit limit- Decision on attachment of salary
How much does it all cost?
| Fee for issuance/reissuance of the card | € 5.00 |
| Fee for issuance/reissuance of the main/additional card | € 5.00 |
| Monthly membership fee for the primary card | € 5.00 |
| Monthly membership fee for a secondary card | € 3.00 |
| Payments at POS terminals | no commissions |
| Cash withdrawals at Hipotekarna Bank ATMs | 2.00% (min. € 2.00) |
| Cash withdrawals at ATMs of other banks | 3.00% (min. € 4.00) |
| Interest rate on outstanding amount payable | 1.20% per month |
What should I do in case my card is lost/stolen?
If your card is lost/stolen in Montenegro or abroad, please report it immediately at +382 19905 (available 24/7) or at your nearest Hipotekarna Banka branch
