With Dina Credit Card you can pay goods and services or withdraw cash in the country up to your available credit limit. Credit limit is approved in dinars (without FX clauses or RPI).

Conditions depend on the type of customer. Chose the type you belong to:

  • Clients who receive salary / pension through Expobank JSC Belgrade or hold at least EUR 500 in their savings account may obtain  a credit limit according to his creditworthiness, increased by a deposit which is not compulsory.
  • Clients who do not receive salary / pension through our Bank can be granted a credit limit according to his creditworthiness
  • Clients with a 100% deposit with our Bank are granted a credit limit equivalent to the amount of the deposit.

Conditions for Dina Card credit approval:

  • Minimum amount of credit is EUR 300, maximum is EUR 5.000
  • The repayment of the debit balance is made by a Revolving loan
  • You choose the number and amount of installments when repaying the loan, the minimum monthly installment is 5,00% (1/20) on the used portion of the credit increased by relevant costs
  • Credit installment cannot be less than RSD 1.000
  • You can withdraw your credit funds many times within the approved limit until the expiry date of the card
  • Deferred payments up to 45 days are interest free
  • Besides the primary card you can have two additional cards for individuals that you authorize
  • Customers and non-customers of the Bank may increase their credit limit by making a deposit not lower than EUR 100
Representative exampe for clients who receive salary/pension through Expobank JSC Belgrade, calculated on 1th January 2018
Approved credit limit 100.000,00 RSD
Currency in which the obligations are paid RSD
Period 24 months
The criteria for indexing None
Nominal interest rate 19,59% annual fixed
Calculated effective interest rate 21,61%
Percentage of revolving 5%
The first installment 6.451,26 RSD
The sum of principal, interest, fees and other costs 121.628,81 RSD
Total fees and other costs
  • The annual membership fee 800 RSD  (calculated for 2 years in the amount of 1.600 RSD) 
  • Credit Bureau 246 RSD
  • Bill of Exchange 50 RSD
  • Access to your funds 24/7
  • Facilitates payments compared to cash payments
  • You can monitor your spending (where, when and how much)
  • SMS information for each transaction