Visa Classic is a credit card with possibility of use in the country and abroad
Visa Classic is intended for:
- Cashless payments in the trade network;
- Electronic payments;
- Cash withdrawal from a bank or ATM in the country and abroad, where VISA symbol is displayed, other than in countries that are not participants in the Visa program (ЕMV LIABILITY SHIFT), or high risk countries. Those are: Afghanistan, Bangladesh, Belarus, Botswana (South Africa), Brazil, Cameroon, Central African Republic, Chad, Equatorial Guinea, Gabon, Congo, East Timor , Indonesia, Cambodia, Columbia, Papua New Guinea, Switzerland, Sierra Leone (West Africa), Singapore, Taiwan (Chinese Province), Thailand, Ukraine, Philippines, Hong Kong, Sri Lanka (South Asia), South Africa, Malaysia, Australia.
Credit card Application Form
Helpful advice for use of payment cards
Main characteristics
- Visa Classic makes it possible to pay in installments in the trade network in the country and abroad;
- COMMISSION FREE for payments in the trade network in the country and abroad.
Balance:
- up to the approved credit card overdraft limit.
Criteria for obtaining a card:
- Persons employed on indefinite time in the public administration or in legal entities that regularly provide salaries in the past three months;
- Self-employed persons regularly receiving salary in the Bank;
- Persons receiving regular income from sales of milk;
- Pensioners receiving pension on a transaction account in the Bank;
- Pensioners receiving foreign pensions on accounts in the Bank;
- Persons having term deposits in the Bank;
- Person – users of a consumer loan in the Bank;
- The Bank approves Visa Gold to persons, who in line with their creditworthiness accomplish the right to higher limit.
Interest (depending on the collateral):
- 11.25% interest rate annually;
- 11.00% interest rate annually;
- 3% interest rate annually over the deposit interest rate.
Repayment terms:
- The holder may repay the used amount of a credit card limit within 10 days after the end of the credit cycle[1], or 5% only of the total value of the transactions made within the credit cycle as well as 100% of all calculated fees and commissions incurred from the transactions made and 100% of the amount calculated to the regular and default interest.
Annual membership:
- Visa Classic – commission free for turnover of more than MKD 100,000 annually;
- Visa Classic – MKD 1,200; - Annual membership for issue of basic card (membership free for the first year).
Additional card:
- Visa Classic – commission free for turnover of more than MKD 100,000 annually;
- Visa Classic – MKD 600.00, membership conditional to the amount of the turnover made with the card.
Cash withdrawal at ATMs:
- Visa Classic from the Bank ATMs - 2%, minimum MKD 150, from ATMs of other banks in the country and abroad 3%, minimum MKD 300.00;
- Cash withdrawal at POS terminal;
- Visa Classic at POS terminal at the Bank counter desks - 3%, minimum MKD 200.00, at counter desk of other banks - 3%, minimum MKD 300.00.
Checking the balance at ATM:
- Checking the balance at the Bank ATMs – MKD 5.00;
- Checking the balance at ATMs of other banks – MKD 20.00.
Monthly statement:
- Free monthly statement – delivered by e-mail;
- Fee for statement delivery by post – MKD 50.00.
PIN code
- PIN code (obtained in a closed envelope together with the card) is mandatory used for cash withdrawal at ATMs and for payment in trade network. If the PIN code is entered erroneously three times, the card automatically blocks;
- Requirements for approval of credit cards.
1. Persons regularly receiving monthly salary/pension:
- Personally completed and signed application form for obtaining Visa Classic;
- Draft signed by the applicant;
- Draft endorsement signed by the applicant;
- Attachment of salary verified by the employer;
- Signed standing order.
2. Persons regularly receiving salary but not through the Bank:
- Personally completed and signed application form for obtaining Visa Classic;
- Draft signed by the applicant and one solvent guarantor;
- Draft endorsement signed by the applicant.
3. For a limit secured by a cash deposit:
- Personally completed and signed application form for obtaining Visa Classic;
- MKD or FX cash deposit in the Bank;
- Approval for blocking the cash deposit;
- Agreement for securing cash receivable.
Loss or theft of a card:
- In case of loss or theft of the card, you can block it in the Kasis Contact Center every day during the week (24/7) on the following phone +389 02 3293888