Credit card setup

Reprezentative example

Credit Standard

Card type Credit Standard
Credit card credit limit 500 EUR
Interest rate 17,7 % p.a.
Monthly card fee* 1,10 EUR
APR (annual percentage rate of costs)** 24,9%
Monthly principal payment (12 in total) 41,67 EUR
Expected maturity period (in months) 12
The total amount paid by the client 561,14 EUR

 

The amount of 12 monthly loan interest payments is:

1. 7,38
2. 6,76
3. 6,15
4. 5,53
5. 4,92
6. 4,30
7. 3,69
8. 3,07
9. 2,46
10. 1,84
11. 1,23
12. 0,61

The credit limit is agreed for an indefinite period.

 

* The fee is not charged if the conditions of the Loyalty Program for Loyal Customers are met.

** APR (Annual Percentage Rate) has been calculated on the assumption that the credit limit is fully drawn by a cashless transaction on the first day following the conclusion of the agreement, provided for a period of 1 year, bearing interest at the above-mentioned interest rate, repaid in 12 equal monthly instalments starting 1 month after the date of the first drawdown, with no use of the interest-free period, and with the above-mentioned fee being paid.

Credit Premium

Card type Credit Premium
Credit card credit limit 6 000 EUR
Interest rate 17,7 % p.a.
Monthly fee for the card* 6 EUR
RPMN (annual percentage rate of costs)** 21,8%
Monthly principal repayment (12 in total) 500 EUR
Estimated maturity period (in months) 12
Total amount paid clients 6 647,28 EUR

 

The amount of 12 monthly loan interest payments is:

1. 88,50
2. 81,13
3. 73,75
4. 66,38
5. 59,00
6. 51,63
7. 44,25
8. 36,88
9. 29,50
10. 22,13
11. 14,75
12. 7,38

The credit limit is granted for an indefinite period.

 

* No fee is charged if the conditions of the Loyalty Programme for Loyal Customers are met.

** The APR (Annual Percentage Rate) has been calculated on the assumption that the credit limit is fully drawn through a cashless transaction on the first day following the conclusion of the agreement, provided for a period of one year, bearing interest at the above-mentioned interest rate, repaid in 12 equal monthly instalments starting one month after the date of the first drawdown, with the interest-free period not being used, and the above-mentioned fee being paid.

Additional services for cards

Travel insurance TRAVEL

  • More information about travel insurance.

Insurance of cards and personal belongings SAFE

  • More information about card and personal belongings insurance.

Useful documents and information

  • Business terms and conditions