Credit Cards

Credit Cards


 

UNIBank offers you:

  • Use of credit cards from the two worldwide brands MasterCard or VISA, without previously invested funds;
  • Use of credit cards with a chip-microprocessor with a memory that provides maximum security and functionality;
  • Access to more funds anywhere in the world, 24 hours a day, 7 days a week;
  • Access to the required currency no matter where you are in the world;
  • Cash-free payment for goods and services at various points of sale in the country, abroad, and via the Internet;
  • The possibility of payment in interest-free installments where merchants have made an agreement with the Bank for such use of the Bank’s POS terminals;
  • Cash withdrawal from bank counters and ATMs across the world;
  • Purchase and reservation of tourist packages, hotel accommodation, theatre tickets, concerts, sports games, etc. worldwide. With a UNIBank credit card, you receive numerous privileges:  
  • Credit limit of up to MKD 120,000 and of up to MKD 600,000 for Gold cards;
  • Automatic renewal of the credit limit once all payments have been made to settle the debt;
  • Interest-free period of up to 40 calendar days;
  • Cash withdrawal from over 100 UNIBank ATMs across the Republic of Macedonia.
  • Currency of the credit card account – Denar
  • Contract duration – 1 year
  • Card validity period – 3 years
  • Interest rate – 0.937% per month
  • Period of debt settlement – 10 days after the end of the monthly cycle
  • Monthly minimum repayment  amount– 5% of the amount of the debt, plus expenses, or a minimum of MKD 300
  • Collateral – own Bill of Exchange, Statement of Bill of Exchange or administrative ban
  • Issuance period – within 10 business days after your application has been approved
  • Possibilities – issuance of an additional card
  • Application (pdf)
  • Personal Identification Card
  • Certified verification of full-time employment, with an income statement for the past 6 (six) months and not older than 30 days.
  • 2 certified administrative bans 
  • Related Party Disclosure

VISA Gold Card - your passport to new challenges 

Welcome to the exclusive world of privileges and benefits with UNIBank’s VISA Gold. 
The wide array of payment cards from the two most renowned brands, MasterCard and VISA, is now complete with the third card from the VISA family.
UNIBank provides the following benefits to all users of VISA Gold: