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Flexia Mastercard

credit card

  • Installments anytime, anywhere, with no interest

  • Payments in Serbia, abroad, and online

  • Online application, no need to visit the bank

 AN OPPORTUNITY YOU DON’T WANT TO MISS

We believe you often find yourself in moments when you want to show someone how much they mean to you.
Maybe you’ve finally found the perfect gift, you’re planning a trip, or you simply want to express your care through a small gesture.

There’s no need to let the moment slip away.
 FLEXIA credit card is here for you!

Why should the Flexia Mastercard credit card be your first choice?

  • Interest‑free installment options – just like using checks
  • Online shopping – secure and easy, with the option to pay in installments
  • Everyday payments – as simple as with any other card
  • Instant cash – more flexible and convenient than a cash loan

 

Shop in up to 12 interest‑free installments, anytime and anywhere

 

  • Paying in installments is available in Serbia and abroad, anytime and anywhere — whether you're shopping in-store, online, or withdrawing cash at an ATM, for all amounts above 3,000 RSD.
  • It’s important to know that you don’t need to decide on installments immediately. You can choose to split a transaction into installments at any time during the current month — directly through the mBanking app or by sending an SMS reply to the message you receive after completing the transaction, to the number 5332, no later than the last day of the month in which the purchase was made.

 


 
 
 

How to become a Flexia Mastercard credit card user?

1. Apply online via the mBanking app

  • You can start the application process within the Products / Cards section. 
  • Your card may be approved in as little as 15 minutes.
  • After approval and signing the documentation, the card becomes instantly available for use in digital form once you add it to your digital wallet.
  • To receive the card in physical (plastic) form, you can submit a request through the mBanking app under:
    Cards › Flexia Credit Card › Options.

 

2. Apply at a branch

  • After approval, the card will be available for pickup at the branch within 3–5 business days.
  • The maximum credit limit is determined in accordance with your creditworthiness.
 

Pay in installments

Flexia Mastercard credit card

Flexia
Pay in installments

  • Step by step instructions

More information

Credit Card Terms and Conditions

  • Credit card issuance requests may be submitted by natural persons who are residents of the Republic of Serbia, with permanent employment or retired status
  • The client’s creditworthiness is determined based on the amount of monthly income and obligations, and approval is carried out in accordance with the Bank’s credit criteria
  • The minimum approved credit limit is 50,000 RSD, while the maximum credit limit amounts to up to 4 monthly salaries for employed clients and up to 3 monthly pensions for pensioners
  • By submitting a request via the mBanking application – the card can be available for adding to the mobile wallet and for use within 15 minutes. The maximum limit amount is 200,000 RSD. A requirement is receiving salary payments with UniCredit Bank for a minimum of 6 months.
  • The minimum amount eligible for installment payments is 3,000 RSD
  • A one‑time card issuance fee amounts to 296 RSD (credit bureau report and promissory note).
  • The monthly card maintenance fee amounts to 100 RSD.
  • The fee for splitting payments into 3, 6, or 12 installments amounts to 300 RSD and is charged once with the first installment.
  • The cost of sending an SMS message for installment activation depends on the user’s package and mobile operator.
Representative example for the Flexia Mastercard credit card – revolving spending

 

Attention! Borrowing money costs. 

Business name

Credit card limit amount

Nominal annual interest rate

Monthly membership fee

Credit bureau report fee

Promissory note issuance fee

Annual Effective Interest Rate (EIR)

Currency in which the credit limit is approved

Repayment period

Minimum monthly payment

Total cost the user must pay for the credit card

Total amount the user must pay for the credit card

Collateral

UniCredit Bank Srbija

50.000 RSD

11.5%, fixed

100 RSD

246 RSD

50 RSD

16.80%

RSD, non‑indexed

36 months

5%, min.600 RSD

12.785,26 RSD

62.785,26 RSD

Promissory note

The EIR was calculated as of September 1, 2025.

Representative example for the Flexia Mastercard credit card – installment purchase

Attention! Borrowing money costs. 

Business name

Credit card limit amount

Nominal annual interest rate

Monthly membership fee

Credit bureau report fee

Promissory note issuance fee

 Installment processing fee

Annual Effective Interest Rate (EIR)

Currency in which the credit limit is approved

Repayment period

Minimum monthly payment

Total cost the user must pay for the credit card

Total amount the user must pay for the credit card

Collateral

UniCredit Bank Srbija

50.000 RSD

0%, fiksna

100 RSD

246 RSD

50 RSD

300 RSD, jednokratno uz prvu ratu

4.85%

RSD,  non‑indexed

12 months

4,466 RSD – first installment; 4.166 RSD – other installments

1.796 RSD

51.796 RSD

Menica

The EIR was calculated as of September 1, 2025.

  • Flexia Mastercard credit card and Platinum Mastercard credit card are internationally valid cards intended for the payment of goods and services at points of sale and online, as well as for cash withdrawals in Serbia and abroad
  • All incurred obligations are calculated and settled in RSD


Models of debt repayment

  • Revolving – the default repayment method – monthly settlement of the minimum payment amount
  • Installment purchase – every transaction above 3,000 RSD can be split into 3, 6, or 12 installments, according to the user’s preference
  • Deferred payment without interest, with a grace period of up to 45 days – if the full outstanding amount is settled by the due date, the Bank will not calculate interest


Installment purchase

  • It is important to know: you do not need to decide on installments immediately; you can make this choice at any point during the current month in the mBanking app or by sending an SMS to the number 5332, using the message received after the transaction. This must be done no later than the last day of the month in which the purchase was made. 
  • The installment processing fee is charged with the first installment and amounts to 300 RSD, and is not charged at merchants who are partners of the Bank.
  • Your PIN is available to you at any time in the mobile application, so there is no need to store it separately or write it down. If you choose to do so, keep your Personal Identification Number (PIN) confidential and stored separately from the card;
  • If desired, you can change your PIN in the mobile application or at any UniCredit Bank ATM, making sure not to use personal information or simple number combinations when choosing your PIN;
  • If you lose your card or it is stolen, you can block it immediately within the mBanking application and/or notify UniCredit Bank as soon as possible at (+381 11 3777 888), available 24 hours a day, 7 days a week. The card will be blocked instantly and protected from further unauthorized use;
  • Do not keep your card near electromagnetic sources (batteries, mobile phones, radiators). Electronic information on the magnetic stripe may be erased or damaged, which could cause technical malfunction of the card;
  • If your personal information changes, or in case of card damage, destruction, or technical malfunction, please contact the nearest UniCredit Bank branch.

Attention! Borrowing money costs.

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