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DINACARD Debit (Payment) Card

DINACARD Debit (Payment) Card

National payment card valid within the territory of Serbia

  • Issued free of charge
  • ID card for dinar currency account
  • Used for drawing cash on the ATM, upon entering the PIN code
  • Used for DinaCard-branded POS payments, along with the signed slip
  • Free sms notification on card expenditure
MASTERCARD Debit (Payment) Card

MASTERCARD Debit (Payment) Card

Contactless and with chip technology, intended for use in all POS terminals and ATMs boasting the MasterCard logo, in country and abroad. Debit MasterCard of Direktna Banka may be used for Internet payments also.

  • Issued free of charge with Paket Plus and Penzija Plus packages
  • International payment card, valid within the territory of Serbia and abroad
  • Used for drawing cash at the ATM, upon entering the PIN code
  • Used for MasterCard-branded POS payments, either upon entering the PIN code or by waving over the reader
  • Contactless payments
  • Free notification on card expenditure
  • ID card for dinar currency account
VISA Gold debit card

VISA Gold debit card

Enjoy all advantages of VISA Gold. In compliance with the Golden Rules.

  • Issued free of charge with Golden Package currency account
  • International payment card, valid within the territory of Serbia and abroad
  • Used for drawing cash at the ATM, upon entering the PIN code
  • Used for VISA-branded POS payments, either upon entering the PIN code or by Waving over the reader
  • Contactless payments - up to RSD 2,000
  • Chip technology provides a higher security for clients
  • May be used abroad and for Internet payments
  • May be associated with the client’s foreign currency account
  • Free notification on card expenditure
  • Discounts provided by VISA
SUPERCard MasterCard credit card

SUPERCard MasterCard credit card

Simplify your payment transactions. SUPERCard credit card is a simple solution. Submit a request at any of our branch offices or our partners’ retail stores. You determine your payment dynamics, and we provide a monthly report of all your realized transactions.

In cooperation with MasterCard company, Direktna Banka developed a rather unique credit card, intended for retail clients. The featured payment options and advantages are, of course, superb:

  • Credit card may be employed as standard revolving credit card for purchasing goods and services
  • The option of drawing cash at every MasterCard branded ATM
  • Internet shopping - MasterCard Secure Code
  • You set payment dynamic, starting at 5% of total debit amount
  • All debit is accounted in dinar, without the currency clause
  • If the debit is settled by 20th of the month, debit interest for that month is not charged
Supercard revolving credit
Loan amount 100.000,00 RSD
Repayment term
NKS fiksna, godišnja
Monthly membership 200,00 RSD
Credit Bureau report fee 246,00 RSD
Payment minimum 5% od ukupnog duga
Minimum monthly instalment 800,00 RSD
Loan repayment initial instalment 5.095,83 RSD
Effective interest rate* 29,75%
Total payment amount, including principal, interest and expense total** 183.338,20 RSD

* Effective interest rate calculated on Sept 21st 2017
** Other expenses total includes Credit Bureau report fee and monthly membership


In cooperation with our partners, we offer additional advantages:

  • Credit buying at favourable conditions
  • Carrying out of a desired purchase right after submitting a credit card application
  • The credit card application may be submitted at any of our branch offices or our partners’ POS
  • The card is activated via a phone call to Direktna Banka info centre
  • The credit limit is calculated according to the client’s credit rating
  • Each debt workout payment increases disposable assets for the succeeding period
  • The Bank notifies the client via SMS on each transaction and the available limit

MONTHLY EXCERPT

Each month, the Bank issues the summary of realised transactions.

This excerpt conveys three main figures:

1. CURRENT DEBIT

Revolving debit - total debit amount out of the credit card (product purchases, service payments, ATM cash draw, internet shopping) + debit out of credited purchase from our partners

2. MEDIAN PAYMENT MINIMUM

The sum of all credit instalments, payable in equal monthly instalments + 5% revolving credit debt

3. PAYMENT MINIMUM

5% of total debit amount

Client may pay any amount higher than payment minimum, up to total debit amount.

In the event that the client pays less than median payment minimum, the difference is accounted as revolving debit.