DinaCard Co-branding DIS Komercijalna banka

In cooperation with the company DIS, Komercijalna banka issues DinaCard Co-branding card which provides to its users the possibility of deferred payment for 90 days from the date transaction was made, when the payment is performed at retail outlets of the company DIS and its franchisees, and at POS terminals of Komercijalna banka.

The card functions on principle of approved monthly limit, which is established on the basis of salary disbursed through accounts of the Bank and assessment of the overall creditworthiness of the client.

In addition to the main card, the user can request to be issued up to two additional cards (that are linked to the limit on the main card).

For the users the first 60 days of deferment is free, while the Bank calculates and charges the interest of 1,20% per month for the period from 61st to 90th day.


REPRESENTATIVE EXAMPLE FOR TRANSACTION IN DIS RETAIL OUTLET 

DinaCard Co-branding

DEFERRED PAYMENT 90 DAYS

AMOUNT OF MONTHLY LIMIT PER CARD

RSD 20.000,00

CURRENCY FOR CONTRACTING LIMIT

RSD

REPAYMENT MODEL

 Each transaction deferred for 90 days

TRANSACTION AMOUNT

RSD 20.000,00

NOMINAL INTEREST RATE

14,12%

Per annum

MEMBERSHIP

1 quarter RSD  200,00

AMOUNT AND NUMBER OF INSTALLMENTS

 1 installment with maturity on 90th day, increased for the amount of interest calculated from 61st to  90th day

TOTAL AMOUNT WITH THE INTEREST TO BE PAID BY THE USER

RSD 20.240,00

EFFECTIVE INTEREST RATE

9,32%


DIS Co-branding card in all other cases is used as a debit card with prompt debiting of current account.
 
At ATMs and counters of Komercijalna banka, the cash withdrawal by DinaCard Co-branding card is not subject to payment of any fee (it is free of charge).


The cardholder can free of charge collect in Bank’s sub-branch the Offer and draft text of the Contract. 

We recommend!


Free service of notification on authorization of payment card via SMS service in order to prevent any misuse More details >>>