Characteristics

Characteristics and benefits of the product

Clients of Visa Classic credit card have the possibility to use the available funds from their revolving credit limit and access them 24/7 with opportunity for contactless transactions without pin.

Additionally, they become part of the unique bonus program that enables collecting bonus points of transactions made through the credit card of POS terminals of Halkbank AD Skopje and their use in everyday shopping.

You can pay minimum 5% plus Intallment of the overall debt on monthly basis

With Visa Classic credit card all customers can make non-cash payments on the trade network and withdrawal of cash from a bank or ATM. The card is international, supports internet payments without commission for transactions on domestic and foreign web pages, and for the same client there is an opportunity to receive email notification for each transaction made with the card.

By using the Visa Classic credit card customers have the option of paying up to 60 installments without interest at the Bank's partners.

You can apply for your credit card by sending the application to branches or pay your debt through Internet banking and ATM's

If you want to be informed about every transaction through SMS please fullfill and send the Application for SMS Info to the nearest Branch.

Visa Classic credit card issued by Halkbank AD Skopje has the highest standard for online payment security 3D Secure - Verified by Visa - VbV .

Rates

Rates and fees

Fee for preparation of main card 100,00 MKD
Fee for preparation of additional card 100,00 MKD
Fee for re-issuing main/additional card 100,00 MKD
Re-issuing before the maturity of main/additional card (demaged/lost card) 300,00 MKD
Fee for urgent preparation of main/ additional card 600,00 MKD
Fee for unjustified reclamation  600,00 MKD
Cash withdrawals at ATM’s of Halkbank 2,50 % minimum 150,00 MKD
Cash withdrawals at ATM’s of other banks 3,0% minimum 200,00 MKD
Cash withrawals on counters of the Bank 3,0% minimum 200,00 MKD
Cash withdrawals on counters of the other Banks 3,0% minimum 200,00 MKD
Annual membership fee for main credit card  No fee for the firs year * 1 .200,00 MKD for the following years
Annual membership fee for additional credit card  No fee for the firs year * 600,00 MKD for the following years
Ladder fee
For realized annual turnover of min 90.000,00 MKD No annual fee
For realized annual turnover of min 60.000,00 MKD 600,00 MKD annual
For realized turnover of min 30.000,00 MKD 800,00 MKD  annual
Fee for invoice issuance No fee
Fee for warning letter 100,00 MKD
Card blocking by demand from the client through Help 24,e-mail or with written demand No fee
Card unblocking by demand from the client through Help 24,e-mail or with written demand 200,00 MKD
Increase of credit limit 300,00 MKD
Pin set   No fee
Changing of PIN on counter 50,00 MKD
Amount of credit limit maximum up to 200,000.00 mkd


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