DINACARD credit card is a card with a revolving credit. The main feature of the revolving credit is its renewal through the repayment of monthly installments or early repayment of the debt. By paying off the monthly installment or early repayment of the credit card debt, the amount of available funds of the approved credit limit that can be used again increases.
The Bank offers three loan amounts, with the corresponding minimum monthly repayment amount. At the time of submitting the Application, the Client opts for one of the following three card types offered:
Application for the issuance and use of a DinaCard credit card can be submitted by any client who holds a current account with Postal Savings Bank, joint stock company, with regular monthly income. In addition to the primary card, up to two additional cards can be issued for authorized users at Client's request.
The card is valid for 3 years.
The card can be used to withdraw cash at all post office and bank counters and ATMs, and to pay for goods and services at merchants' points of sale with displayed DinaCard logo. Sufficient funds available within the credit limit are necessary in order to pay for goods and services and to withdraw cash.
Calculation of due obligations and interest is done once a month, on the last calendar day of the month. The Bank provides the primary cardholder with a Statement which includes all transactions performed with the primary and additional cards in the previous month, fees and commissions as well as the due date and amount owed.
The monthly installment is due on the 15th of the following month and is charged from the RSD current account based on a standing order. The monthly installment amount is ALWAYS THE SAME and consists of a predetermined monetary obligation in accordance with the credit limit, which already contains the calculated nominal interest on the used portion of the loan, as well as fees and commissions and repayment of the principal. If the total card debt is less than the prescribed monthly installment, the amount of the installment is equal to the total debt.
The user can make an early payment of the credit card debt in full or in part at the counter of the Bank, post office, other bank, via Homeb@nking or MobiBank service.
Payment details:
200-2239326601000-93, Postal Savings Bank, joint stock company
Reference number: client's card number
Purpose of payment: DinaCard credit card payment
Payment code: 189
Payer's name and surname
The total daily limit for cash withdrawal transactions at ATMs is RSD 50,000.00 per card.
In case of lost or stolen card issued by Postal Savings Bank, joint stock company, please call the Bank's Contact Center at: 011 20 20 292 or visit the nearest Bank branch office.
Complaints are submitted to Postal Savings Bank exclusively in writing.
Additional information can be obtained at the Bank's counter, by calling the Contact Center phone number: 011 20 20 292 or by sending an email to: kontakt@posted.co.rs
*Representative example as of 01 August 2021
*Representative example as of 01 August 2021
*Representative example as of 01 August 2021