My favourite shopping partner!

The Shopping Card is a specially created MasterCard revolving credit card, with a distinctive layout, that comes with many benefits.    

The Shopping Card allows you to:

Pay in instalments – your Shopping Card allows you to pay in monthly instalments free of interest and fees in any shop that has signed a deferred payment agreement with RBBH*. A maximum of 12 instalments can be arranged.  To qualify for deferred payment, a transaction must involve a minimum amount of KM 100.

The shops in which you can get a discount and/or pay in instalments can be recognised by this sign:   

Discounts - When you purchase with your Shopping Card, you are entitled to a discount on the whole range of products/services offered by the merchant who has a signed a discount agreement with RBBH.  A list of shops where you can get discounts and/or buy on credit can be downloaded from the website www.raiffeisenbank.ba or obtained at any of our branches. Discounts are granted on all products/services, regardless of whether they are already on special offer.

Extended warranty – the Shopping Card doubles the original warranty of products purchased with the card for up to 12 months.  This benefit comes with all products purchased with the Shopping Card, both at home and abroad.

Extended warranty calculator:

SMS info – As soon as you have used your Shopping card to take a cash advance of pay for retail goods, you will receive an SMS message containing information about the merchant’s name, the amount and the time of the transaction.  SMS info reduces the risk of unauthorised card use. For instance, if your card is used by an unauthorised person, you will be notified of the transaction. Calling 033 75 50 30, you can have your card blocked to prevent further unauthorised use.  There is no cap on the number of SMS messages per month and the service is completely free of charge to you.

Benefits	Examples
Discounts	You want to buy a TV set that costs KM 1,000. If you pay with your Shopping Card, you will get a discount of e.g. 10% and will actually pay KM 900 for the TV set.  Thanks to your Shopping Card, you have saved KM 100.
Deferred payment	You have decided to pay in instalments for your TV set that costs 900 KM at a discount. You have opted to repay in 12 instalments of KM 75 per month.
Extended warranty	18 months later you TV set breaks down.  The TV set had an original warranty of 12 months. As you have purchased the TV set with your Shopping Card, its warranty is extended for additional 12 months, which enables you to have it repaired without any problems, while UNIQA will reimburse you for the repair costs.
SMS info	As soon as you have paid for the TV set using your Shopping Card,  you will get the following SMS message from us:   Dear cardholder, your Shopping Card has been used at 3:25pm  on 1/12/2009 for a payment of KM 900.00. Place:XXX shop Thanks to this service, you can have peace of mind knowing your card has not been used by anybody else.

Eligible for a card are adults, whether resident or non-resident, with a regular monthly income of over 400 KM.

In addition to the benefits outlined above, Shopping Card also has the benefits coming with our revolving credit cards:

• Do your shopping now and pay later;  
• Access your extra cash anytime at home and abroad;  
• Pay for goods and services without any fees;  
• Use your card abroad without cumbersome money exchange and language difficulties;  
• The money on your card is insured against theft and loss up to 1,000 KM  

As a main card holder, you can have additional card issued to members of your family.
How to pay the monthly amounts due / the minimum amount?

The monthly amount to pay on the Shopping Card is calculated as the sum of the monthly amount due, if you have purchased on credit, and 5% of the minimum amount due on all other transactions made with the card.  The amount due is payable by the 15th day of the next month.   Each month, we will send you a statement listing all transactions made in the previous month.   
Payments of the minimum amount due can be made:

• in any of our branches,  
• online or via standing order without having to visit our branches.   

By registering for the Standing Order service, you can make out an order to us to settle the minimum amount due on your card. We will debit the amount from your current account and pay it to your credit card account.         
Our SMS service allows you to check your account balance and receive notifications of the monthly amount to pay on your credit card – at no cost.  
Credit cards need to be secured by two promissory notes.

Interest rate: 13.99%

Deferred payment is completely free of interest and fees!!

Card validity period: 3 years, also for a reissued card

Shopping Card is only available as a revolving credit card branded with MasterCard.

Shopping Card eligibility criteria:

For existing customers:
For a limit up to KM 5,000:
- two promissory notes  
- salary assignment order / standing order with pledge on future salaries 
For limits from KM 5,000 to KM 10,000:
- a guarantor
- two promissory notes  
- salary assignment order / standing order with pledge on future salaries 

For non-customers:
For a limit up to KM 3,000:
- two promissory notes  
- salary assignment order / standing order with pledge on future salaries 
For limits from KM 3,000 to KM 5,000:
- a guarantor
- two promissory notes  
- salary assignment order / standing order with pledge on future salaries 
For limits from KM 5,000 to KM 10,000:
- two guarantors
- two promissory notes  
- salary assignment order / standing order with pledge on future salaries 

Shopping Card  – peace of mind, protection and distinctiveness

All you have to do to get a credit card is complete a Shopping Card Application Form and hand it in at your nearest Raiffeisen branch. Please follow this link to download the Application   

*A list of shops where you can get discounts and/or buy on credit can be downloaded from the website www.raiffeisenbank.ba or obtained at any of our branches.