Advantages of using Visa Classic Credit card:
- Cashless payment of goods and services at POS terminals in the country and abroad,
- Online shopping (payment security ensured by the latest chip technology and verification via SMS message)
- Cash withdrawal at ATMs in the network of Naša banka ad Banja Luka
- Cash withdrawals at other ATMs in the country and abroad,
- The possibility of issuing one or more additional cards
- Possibility to change PIN and check balance at ATMs of Naša banka ad Banja Luka
- Monitoring your card balance and transactions via Mobile Banking Our Mbank
- Possibility to change the daily spending limit per card by submitting a request at one of our branches or via Mobile Banking Our Mbank
- Possibility of blocking the card via Mobile Banking Our Mbank
Conditions for obtaining a Visa Classic Credit card
- That you are over 18 years old and that you have an ID card
- That you are a citizen of BiH
- To submit a completed Application for the issuance of a payment card at the counter of Naša banka ad Banja Luka
- To submit a Certificate of Employment and Income, a Decision on Administrative Ban or to make a deposit of 100.00% of the credit limit amount
- To submit a photocopy of your personal identification document with the original for inspection
An additional Visa Classic Credit can be obtained by a person who:
- Over 18 years old and has an ID
- Has the authorization of the primary cardholder, i.e. the primary cardholder submits a completed Request for issuance of an additional card at the counter of Naša banka ad Banja Luka, signed by both the primary cardholder and the authorized person
- Submit a photocopy of your ID with the original for inspection.
How to use a credit card:
- The bank grants the user a certain credit limit (in accordance with the user's creditworthiness).
- The limit can be a maximum of 10,000 KM
- The user is obliged to return at least 5.00% of the owed amount by the 20th of the month, for the previous month, together with interest and costs of calculation and sending statements.
- No interest if you settle all debt for transactions incurred in the previous month by the 20th of the month
- For cash withdrawals, interest is calculated from the date of cash withdrawal at the counter or ATM.
You can apply for a credit card at our nearest branch.
Download the info sheet here