Characteristics

CHARACTERISTICS

Golden opportunity for a gold card with an accident insurance policy from Halk Insurance.

The product is intended for individuals with regular monthly income - salary / pension, recipients in Halkbank AD Skopje and / or clients who will provide the card with a deposit.

  • Greater purchasing power for the client with a credit limit up to a maximum of 600,000.00 MKD depending on the creditworthiness.
  • No limit on the number of salaries.
  • Possibility to withdraw cash without commission from the ATMs of Halkbank AD Skopje.
  • Availability of funds 24/7 through ATMs or through the domestic and international network of POS terminals that enable payment with Visa cards.
  • As a benefit - accident insurance policy from Halk Insurance with an annual premium of 600 MKD - for a period equal to the repayment period of the Visa Gold card. The cost of the policy is a liability of the Bank and it’s not an obligation for the credit card holder. The policy is renewed every year and has unlimited territorial and time coverage and insures people up to 70 years.

The sum insured is defined in the policy:
Risk of death from an accident = 300,000 MKD
Risk of permanent disability = 600,000 MKD

  • Minimum monthly refund amount of only 3%, which can be used again.
  • Flexibility for lending.
  • No guarantors, no administrative ban on salary and approval costs.
  • Email notification of each transaction made online.

**Promo: The first 1,500 Visa Gold credit card users at the end of the month receive 500 Bonus points if they make at least one transaction at a POS terminal. Customers will be informed via SMS. At the following link you can find details about how the Bonus Points can be used.

 Use your bonus points in 3 short steps (.pdf format)

The contactless card enables quick and easy execution of the transaction with just one touch of the card on the POS terminal.
PIN authorization and authorization with personal signature is not required for transactions limited to 2,000.00 MKD or to the contactless payment limit set at the terminal that accepts contactless cards.

The cards issued by Halkbank AD Skopje have the highest standards for security in internet payments (3D Secure - Verified by Visa - VbV and MC Secure Code).

You can immediately apply for a credit card in the nearest branch of Halkbank AD Skopje by filling out the following Аpplication or through the online application.

To be informed about each of your transactions via SMS info, please fill in and send the application for SMS info to the nearest branch of Halkbank AD Skopje or send it via email: help24@halkbank.mk

Advantages

ADVANTAGES

** Promo: The first 1,500 Visa Gold credit card users at the end of the month receive 500 Bonus Points if they make at least one transaction at a POS terminal. Customers will be informed via SMS. More information on how to use the Bonus Points at the following link.

  • Credit limit: Up to 600,000.00 MKD
  • Monthly minimum repayment of only 3% of the used loan
  • Opportunity to withdraw cash without commission from the ATMs of Halkbank AD Skopje
  • Payment up to 60 interest-free installments with over 800 partners of the Bank
  • Collect Bonus Points with Visa Gold credit cards in pre-defined periods at different types of points of sale announced by the Bank. Use the collected points for future payments in the network of POS terminals from Halkbank

     Use your bonus points in 3 short steps (.pdf format)

Interests and comissions

INTERESTS AND COMMISSIONS

Interest rate:

Fee for making a basic card 100,00 MKD
Fee for making an additional card 100,00 MKD
Fee for re-issuance of basic / additional card 100,00 MKD
Fee for re-issuance of basic / additional card before the expiration date (destroyed / lost) 300,00 MKD
Fee for urgent making of the card 600,00 MKD
Fee for unfounded complaint  600,00 MKD
Cash withdrawal at Halkbank ATMs Without fee
Cash withdrawal at ATMs from other banks 3.0% min. 200.00 MKD
Cash withdrawal at the Bank counters 3.0% min. 200.00 MKD
Cash withdrawal at the counters of other banks 3.0% min. 200.00 MKD
Annual membership fee for the main card 1,200.00 MKD for the first year *Each subsequent according to the ladder membership fee
Annual membership fee for an additional card 900.00 MKD for the first year *Each subsequent one according to the staggered membership fee
For an annual turnover of at least 150,000.00 MKD Without fee
Fee for issuing an invoice Without fee
Remuneration fee 100,00 MKD
Card blocking at the request of the client via Help 24, email or in writing Without fee
Unblocking the card at the request of the client via Help24, email or in writing 200,00 MKD
Increasing the credit limit 300,00 MKD
Pin setting Without fee
Change of pin at the Bank’s counter 50,00 MKD
Credit limit amount Based on credit policies



FAQ

Frequantly Asked Questions

HOW CAN YOU APPLY FOR A CREDIT CARD?

It is necessary to visit the nearest branch office of Halkbank AD Skopje where you will have to make an analysis of your creditworthiness. You will be able to download the necessary application documentation at the branch office or you can do the same through the online application.

NECESSARY DOCUMENTATION?

  • Credit card application completed by the user and the employer
  • Transaction account statement from the last 3 months as a confirmation of monthly income / inflows
  • Copy of a valid ID card

HOW CAN YOU PAY THE DEBT ON A CREDIT CARD?

You can sign a standing order that will automatically deduct funds from your credit card debt settlement account each month, thus saving your time.

DOES THE CLIENT MUST BE A RECEIVER OF SALARY / PENSION AT HALKBANK AD SKOPJE?

The product is intended for individuals with regular monthly income - salary / pension recipients in Halkbank AD Skopje and / or clients who will provide the card with a deposit.

DOES THE VISA GOLD USER NEED TO BE ISSUED AN ACCIDENT INSURANCE POLICY BY HALK INSURANCE?

With the newly issued Visa Gold credit card, the client will have to prepare an accident insurance policy from Halk Insurance with an annual premium of 600 MKD - for a period equal to the repayment period of the Visa Gold card. The cost of the policy is covered by the Bank and the credit card user is not indebted. The policy is renewed every year.

For all previously issued Visa Gold credit cards from Halkbank, the terms and benefits continue to apply according to the signed agreement.

HOW LONG DOES THE PROCEDURE FOR ISSUING A NEW CARD TAKE?

Once the request is approved, the procedure for making and delivering the card to the appropriate branch office takes 2 working days and you will receive a notification via SMS.

HOW CAN I GET AN INVOICE FOR THE CREDIT CARD THROUGH E-MAIL?

You need to report to one of our branch offices the e-mail address where you would like to receive the monthly reports, after which the data are updated and the invoices will be delivered to you on a monthly basis.

VALIDITY OF THE CARD?

The validity of the card is 3 years. When used regularly, the card is automatically reissued.

HOW THE BONUS POINTS CAN BE USED?

The collected points can be used for future payments in the network of POS Terminals from Halkbank. 1 bonus point is equal to 1 denar.

The bonus program is valid only for credit cards from the brand Mastercard and Visa for individuals.

 Use your bonus points in 3 short steps (.pdf format)

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