Visa Classic Credit

Why Adriatic credit card?

Adriatic Visa Classic Credit Revolving is a contactless payment card, of the global brand VISA, which allows you access to funds, up to the amount of the approved credit limit.

The card is linked to a special loan account with a defined credit limit, with the principle of minimum debt repayment.

Select the % of the minimum monthly repayment in which you want to pay your obligations at favorable interest rates.

SMS service on executed transactions, allows you to receive notifications about the amount, location and available status and thus monitor your spending.

Always available money as you can withdraw the required cash from the nearest ATM marked VISA, wherever you are.

You can easily, securely and quickly pay at millions of POS outlets wherever the VISA logo is displayed.

Quick and easy contactless payment, without using PIN code, for transactions up to 50 EUR.

Use your card safely and securely and pay online.

Who can use the Adriatic credit card?

Intended primarily for regular clients of the bank, but also for all adults who are employed, and are able to provide the necessary means of collateral.

Persons who are not employed may get a card with a 100% personal deposit guarantee.

Additional card is issued with the consent of the account user/basic card user. The consent of the basic user is required when applying for an additional card.

How to get an Adriatic Visa credit card?

You can apply for a credit card at the Adriatic Bank branch.

The amount of Revolving loan is determined on the assessment of the creditworthiness of the basic cardholder and the Bank shall determine the credit limit up to which cardholders (basic and additional) can use revolving credit. Revolving loan is approved by the bank in absolute amount in euros. A revolving loan account is opened for the needs of using and repaying the loan.

Card usage reduces the available loan amount for all costs incurred by paying for goods and services, cash withdrawals, accrued fees, registration fees, membership fees, revolving loan interest, notice costs and other costs. By returning the spent part of the loan, the available balance is restored up to the amount approved for revolving loan.

The amount of the approved revolving loan is variable and can be subsequently reduced or increased.

When applying for a credit card, the user shall select the method of delivery of monthly statements (by post, e‑mail or by coming to the teller).

Minimum installment amount - The bank allows the client to repay the used amount of the credit limit deferred, by transferring part of the debt to the next month. When issuing a card, the client chooses the minimum amount of monthly repayment of the used limit; it can be from 5% - 100% of the debt balance.

Debt collection is done through a standing order.

The card may only be used by the person for whom it is issued, until the expiry of the date marked on the front card side.

An additional card is issued with the consent of the account user/basic card user. The consent of the basic user is required when applying for an additional card.

Annual regular interest: 18,00%.

Annual default interest: 27,00%.

Method of debt repayment

Adriatic Visa Classic Credit operates on the principle of revolving loan. A pre-selected percentage (5% -100%) of the funds spent makes up your minimum monthly repayment obligation at the agreed interest rate. The rest of the debt is transferred to the next month, until the final repayment. You can automatically reuse the funds paid to the card, decreased for the amount of the monthly interest. If you want, you can always pay more than the minimum monthly obligation and recharge the card.

Documents

General Terms and Conditions of issuing and using payment cards of Adriatic Bank AD Podgorica

Application form for Visa Classic Debit

Fees

Fees for card products and services valid from 9.12.2024.

Fees for card products and services valid from 27.01.2024.

3D Secure - Verified by VISA

Read more about issuance, activation, usage costs, PIN code change and other useful information.