CyrillicDINACARD CREDIT CARD
3 TYPES: DK1, DK2, DK3DINACARD 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:
Submitting an application for issuing a card
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.
Use of the card
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.
Card transaction reporting - Bank statement
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.
Early repayment of DINACARD credit card RSD obligations in full or in part
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
Daily ATM withdrawal limit
The total daily limit for cash withdrawal transactions at ATMs is RSD 50,000.00 per card.
Lost, stolen or missing documents
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
Complaints are submitted to Postal Savings Bank exclusively in writing.
Additional information
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 - DinaCard credit card DK1
Loan amount
RSD 30,000.00
Loan currency
RSD
Repayment period
18 months
Nominal interest rate
annually
annually
22.80%
Calculation is done by using proportional method
Calculation is done by using proportional method
Nominal interest rate
monthly
monthly
1.90%
Issuance; membership fee
Issuance RSD 300.00 ;
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Monthly annuity
RSD 2,000.00 (installment consists of interest, fees, commission and debt repayment)
Loan security
Cardholder's promissory note and 2 (two) certified attachments on salary (except for clients who are entitled to pension and disability insurance);
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
Promissory note cost
RSD 50.00
Credit Bureau report
RSD 246.00
Total loan amount
(with interest on the calculation date)
(with interest on the calculation date)
RSD 35,973.59
Effective interest rate
30.77%
*Representative example as of 01 August 2021
Representative example - DinaCard credit card DK2
Loan amount
RSD 50,000.00
Loan currency
RSD
Repayment period
20 months
Nominal interest rate
annually
annually
22.80%
Calculation is done by using proportional method
Calculation is done by using proportional method
Nominal interest rate
monthly
monthly
1.90%
Issuance; membership fee
Issuance RSD 300.00;
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Monthly annuity
RSD 3.000,00 (installment consists of interest, fees, commission and debt repayment)
Loan security
Cardholder's promissory note and 2 (two) certified attachments on salary
(except for clients who are entitled to pension and disability insurance);
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
Promissory note cost
RSD 50.00
Credit Bureau report
RSD 246.00
Total loan amount
(with interest on the calculation date)
(with interest on the calculation date)
RSD 62,179.24
Effective interest rate
27.68%
*Representative example as of 01 August 2021
Representative example - DinaCard credit card DK3
Loan amount
RSD 100,000.00
Loan currency
RSD
Repayment period
25 months
Nominal interest rate
annually
annually
22.80%
Calculation is done by using proportional method
Calculation is done by using proportional method
Nominal interest rate
monthly
monthly
1.90%
Issuance; membership fee
Issuance RSD 300.00;
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Annual membership fee RSD 400.00
Membership fee is charged in full at the beginning of each year of use.
Monthly annuity
RSD 5,000.00 (installment consists of interest, fees, commission and debt repayment)
Loan security
Cardholder's promissory note and 2 (two) certified attachments on salary (except for clients who are entitled to pension and disability insurance);
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
In addition, at the time of contract conclusion, the Bank may require an additional collateral by requesting a creditworthy guarantor
Promissory note cost
RSD 50.00
Credit Bureau report
RSD 246.00
Total loan amount
(with interest on the calculation date)
(with interest on the calculation date)
RSD 129,344.93
Effective interest rate
26.27%
*Representative example as of 01 August 2021
Useful documents
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