Compare our credit cards

0% interest on installment purchase, for up to 12 months

DinaCard Credit Card

National credit card, valid in Serbia


Credit Card Features

  • ATM and POS Daily Limit: RSD 80,000
  • ATMs Daily Limit: RSD 35,000
  • POS Daily Limit: RSD 45,000
  • Daily Limit of Transactions: 16
  • Payment on 3, 6, or 12 installments: No fees*
  • No insurance

Flexia Mastercard Credit Card

Installments payments in Serbia, abroad and online

Flexia Mastercard

Credit Card Features

  • ATM and POS Daily Limit: RSD 240,000
  • ATMs Daily Limit: RSD 80,000
  • POS Daily Limit: RSD 160,000
  • Daily Limit of Transactions: 20
  • Payment on 3, 6, or 12 installments: No fees*
  • Bonus RSD 3,000 RSD on a prepaid non-rechargeable card**

Mastercard Platinum

For VIP customers who desire banking with style

Mastercard Platinum

Credit Card Features

  • ATM and POS Daily Limit: RSD 480,000
  • ATMs Daily Limit: RSD 120,000
  • POS Daily Limit: RSD 360,000
  • Daily Limit of Transactions: 20
  • Payment on 3, 6, or 12 installments: No fees*
  • Travel health insurance
  • Priority Pass lounge
*The fee for installments purchase is not charged in the period from October 1, 2019, until June 30, 2021.

**When you pick up a Flexia Mastercard credit card, you get RSD 3,000 on a PrePaid non-rechargeable card.

You can use the PrePaid gift card on the following occasions:

• Gift for various celebrations (New Year's gift, birthdays, anniversaries, graduation, graduation celebrations, births, wedding gifts, Valentine's Day) and many other occasions in which you would give something nice to loved ones

• For online payments, which provides greater security due to the limited amount on the card

• The card provides a choice for everyone who bought it or received it as a gift to decide for themselves when and where they will spend the money

For more information on the features of the PrePaid non-rechargeable card, click here.

Clients who apply for a Flexia Mastercard credit card, and whose credit card has been approved in accordance with all procedures for credit products by the bank, upon taking it, receive a gift card worth 3,000 dinars, which they can use for POS payments at all sales places in the country abroad, as well as for online payments.

The promotion lasts from December 17, 2020 to March 31, 2021.


Instructions for Installment and Internet payments


Credit card's terms and conditions

  • Shopping in installments without interest rate - Any transaction greater than RSD 3,000 can be divided into 3, 6 or 12 installments.
    *The fee for installments purchase is not charged in the period from October 1, 2019, until June 30, 2021.
  • Postponed payment - Interest is not charged when you pay "Currently debt" from the previous period in full amount.
  • Revolving - Interest is calculated in the case of monthly repayment part of the debt (minimum repayment amount is 5% of the total amount you spend).
  • All obligations are calculated in dinars, regardless of whether the transactions are concluded in country or abroad.
  • Amount of available resources in relation to the approved card limit can be checked at all UniCredit Bank ATMs across the country.
  • Monthly report can be submitted by mail, e-mail or e-banking.
  • SMS Card Alarm service - after every completed transaction by your card, you are notified by SMS on your mobile phone, in order to increase security.
  • Validity period of the card is up to 3 years.
  • In case of loss or theft of your card, you should as soon as possible notify the UniCredit Bank on the phone: +381 11 3777 888 , which is operational 24 hours a day, 7 days a week. The card will shortly be blocked and prevented from further use.
  • Credit card eligibility: Serbian resident or a non-residents
  • Credit Card limit is in line with client creditworthiness that depends of monthly income and obligations
  • In order to obtain DinaCard Credit Card it is not required to have a current account opened in UniCredit Bank
  • Maximum amount of dinar credit limit: 4 monthly earnings or 3 pensions, minimum RSD 5,000
  • Confirmation of employment
  • After receiving the card, sign it immediately on the marked place on the back of the card.
  • Together with the card in the Bank’s branch, your personal identification number (PIN) will be delivered to you in an appropriate closed envelope. When using a card at POS terminal or ATM, the identification of the cardholder is done by a PIN for the sake of greater security and that it is important to keep your PIN secret. Never keep it together with the card and do not tell your PIN to others.
  • If you wish, you can change the PIN to any UniCredit Banks ATM by choosing the option "Change PIN". Process of PIN change includes entering the existing PIN and then entering a new PIN, which must contain four digits.
  • If you forgot your PIN, the process is as following:
    • If you have not changed the PIN on the ATM, you need to ask for the reprint of the PIN in the branch. A printed PIN will be delivered to your branch in a sealed envelope and you will be informed accordingly.
    • If you have changed the PIN on the ATM, it is necessary to inform Branch employee about it, in which case a new card and a new PIN will be produced and delivered. You will be informed accordingly.
  • Do not carry PIN together with your card.
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