The credit card which offers maximum flexibility via a set of benefits for payments and crediting:
Up to 50 days interest free deferred payment option f- or buying goods and services at points of sale and cash withdrawal at ATMs and other cash pay-out points in the country and abroad;
Payment in up to 24 installments no interest or fees at specially labeled points of sale in B&H.
Mastercard 36 cash loans - in every branch office of UniCredit Bank, no deposit, no co-debtor, no bills of exchange or other collateral (users who are over 65 and a maximum of 72 years old, the loan can be approved if they have a life insurance policy contracted with the Mastercard Classic card)
Safe online shopping - all cards issued by UniCredit Bank d.d. are included in the 3-D Secure protocol, which represents greater security when shopping on the Internet, and was prescribed by the global card companies.
Instant card issuance! Through Instant card issuance, the client can download and use his card for payments on the same day immediately after signing the contract documents!
You can check the remaining amount of the loan and the amount and due date of the next installment at any time via mobile (m-ba).
You can check the balance of funds available for consumption at UniCredit Bank ATMs.
Contactless payment - The use of credit cards in the previous way, with a signature, goes into history. You will use the PIN to confirm the transaction in the future.
Card delivery to home adress – possibility to deliver card to your home address and activation of the card via voice machine and mobile banking (m-ba).
Payment in installments without interest and fees
How to pay in installments?
Simple and instantly via EFT POS at specially labeled points of sale!
When you pay by your card, just select the number of installments you want to pay for the product or service (taking into account the maximum number of installments offered by the POS). You confirm the transaction by signing the slip.
At the moment of paying by your Mastercard Classic card, it is sufficient to have available one portion of the total card spending limit approved to you, provided it is equal to one installment amount.
The consolidated limit for all loans under a Mastercard Classic card (payment in installments and Mastercard 36 cash) is equal to the approved four-time card spending limit and maximum BAM 10.000,00.
For the list of merchants and information how many installments are available with no interest and fees, please click here.
Benefits for Card Holders:
Simple and instant service at Bank's EFT POS terminals (no additional documents and paperwork, no queuing...);
Transaction is free of any further costs, no interest and no fee;
Better control of finances (the overall amount is distributed to a chosen number of installments);
Opportunity to purchase a wider range of products of higher value;
Transactions safety (fully electronic data transfer).
MASTERCARD 36 CASH LOAN
Your Mastercard Classic card - the fastest and easiest access to cash!
How to get a Mastercard 36 non-purpose cash loan?
It is possible to get Mastercard 36 cash loan in any branch office of UniCredit Bank, in just a few minutes.
At the moment of realising Mastercard 36 cash loan, it is sufficient to have available one portion of the total card spending limit approved to you, provided it is equal to one installment amount.
Benefits for Mastercard Classic Card Holders:
Very simple cash loan approval procedure;
Instant loan approval in all branches of the Bank in just a few minutes;
No credit worthiness assessment;
No deposits, guarantors, co-debtors, bills of exchange or mortgage collateral.
Further details on Mastercard 36 cash loan are available throughout UniCredit Bank branch network.
DIVIDING THE TRANSACTION INTO INSTALLMENTS THROUGH THE M-BA APPLICATION
Through the m-ba application, you can split payment transactions for goods and services (including Internet transactions) and cash payment transactions into installments, regardless of whether they are made in the country or outside the country.
You can divide one-time transactions from the current month into installments in the amount of 100 KM to 10,000 KM, until the 18th day of the following month.
The number of installments cannot be less than 3 installments or more than 24 installments, and the number of installments into which it is possible to divide the transaction depends on the amount of the transaction and the approved credit limit per card.
A fee is charged for dividing the transaction into installments via the m-ba application.
Splitting into installments is carried out by the user through the m-ba application, on the overview of the transaction details, where, in the situation of choosing to split the transaction into installments, information about the amount of the installment and associated fees is displayed. You confirm the division into installments with a PIN, fingerprint or facial recognition, depending on the verification method you use to access the m-ba application.
Once the installment number has been defined, it is not possible to change it later.
You have the right to early repayment of installments without additional costs.