Visa Gold Revolving Card

At any moment, it is possible to use the card depending on your wishes and requirements, which provides you with functionalities of three classic cards and exclusivity of one Visa Gold Card:

  • Payment card with no interest and/or fees - buying goods and services in up to 24 installments at specially labeled points of sale in B&H.
  • Interest free deferred payment card - if you repay transactions made in the previous month in total until the due date of the minimum repayment amount (15th day in the current month);
  • Credit card - in case you don't want to repay due costs at once, rather using the approved revolving loan, while respecting the defined minimum monthly repayment amount (5% of the executed transactions plus accrued interest and fees, if any).  Nominal interest rate is 12% fixed, EIR* is 20.83%.

VISA revolving card offers an option of automated debt servicing via a direct debit of your current account (on the 15th day in a month) in order to settle a percentage of the minimum outstanding amount, by setting repayment for example as 10%, 20%, 50% or 100% debt).

Exclusive Benefits:

  • Miles & More function of earning award miles free of charge;
  • Insurance against accidents with Croatia osiguranje d.d.;
  • 15% discount with Croatia osiguranje d.d. for Casco insurance of a motor vehicle, household insurance and travel health insurance for premium payments via a Golden VISA card;
  • Exclusive benefits for Card Holders at points of sale worldwide;
  • Discounts and benefits at selected merchants in Bosnia and Herzegovina. Inform yourself about the benefits.
  • Availability of VISA Global Customer Assistance Service (GCAS – Head Office, tel. +1 410 581 9994) services:

        - notification in case of a lost or stolen card

        - emergency cash pay-out

        - emergency card replacement

        - informing of the Card Holder

  • Availability of medical help and legal assistance during trips abroad, which is paid at least 50% by a Visa Gold Revolving card. These services are available via the phone number + 44 20 8762 8008 (International SOS).

*EIR is the interest rate which reflects all loan-related costs, including regular and intercalary interest. The formula for EIR calculation under credit cards is based on the BAM 2.000 limit, with monthly repayment of 5% of the outstanding debt, including application and membership fees.

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 Visa Gold Revolving card, it is sufficient to have available such portion of the card limit approved to you, which is equal or greater of the aggregate installment purchase amount.

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 Quick 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).


Miles & More

Miles & More is Europe’s largest traveler award program and not exclusively for frequent flyers!

As a member of Miles & More program, you will earn award  miles for flying with Lufthansa and other partner companies.  Miles are also earned for staying in hotels, using rent-a-car services and with many other partners of Miles & More program worldwide.

The award miles earned can be redeemed for flight or non-flight awards with Lufthansa and other partner companies. For more details on the Miles & More program, please visit www.miles-and-more.com.

Miles & More functionality of earning award miles is available via your Visa Gold Revolving card, if you apply for this exceptional service at an outlet of UniCredit Bank. 

By using your Visa Gold Revolving card for your daily spending like paying for fuel at a gas station, usual shopping, going out for dinner, buying gifts or leaving for holidays, with Miles & More award miles functionality you in fact earn 1 award mile for every 3 BAM spent.

You can apply for Miles & More functionality when opening a new Visa Gold Revolving card, but also with the existing UniCredit Bank Visa Gold Revolving cards. In order to activate the service, please apply to the nearest UniCredit Bank branch office.

If you are already a member of Miles & More program, we ask you to apply for a Visa Gold Revolving card in the nearest UniCredit Bank branch office in order to upgrade your active membership in the Miles & More program.

For each newly activated mile earning service under a  Visa Gold Revolving card, the Card Holder receives from UniCredit Bank a welcome bonus of 1,000 award miles!