MASTERCARD® SHOPPING CARD
Purchase in interest-free instalments in the stores who signed an agreement with the Bank
RAIFFEISEN CREDIT CARDS : Purchasing and withdrawing cash in installments WITHOUT fees? It's possible!
Purchases without fees and interest
The Mastercard® Shopping Card allows you to make purchases in installments for up to 24 months WITHOUT fees and interest, with an extended one-year warranty.
Repayment in up to 36 installments without fees
The Visa Magic card offers you the option to make purchases and withdraw cash loans from ATMs with repayment up to 36 months without fees.
Use more, pay less
Within the TEMPO service package, you get both credit cards and numerous other benefits with a single fee or a 100% discount, along with a current account.
Choose the card that suits you best
There are many reasons why it's good to have a credit card, whether you need cash or an instalment purchase.
VISA MAGIC/ VISA INSTALLMENT CARD
Purchase of goods and services in the country, abroad and on the internet
How to apply?
You can apply for credit cards online in just a few minutes.
1. You are in safe hands
Raiffeisen Bank is a member of the RBI Group – an established and multi-award-winning banking group in Central and Eastern Europe.
2. Fill out the online application
Click the Apply Online button and fill out the web form.
3. Visit the nearest branch
Sign the contractual documents and collect your card.
FAQs
Here you can find answers to frequently asked questions.
Any private individual who is a citizen of Bosnia and Herzegovina with sound credit standing and regular monthly income can apply for a credit card.
No, in order have your credit card, routing regular monthly income through Raiffeisen Bank is not mandatory.
We offer you an additional source of financing, as well as a possibility of buying in instalments via the most accepted credit cards of renown card organisations, VISA and Mastercard. Additionally, you have the contactless payment option - Pay on the move! Fast and safe for any transaction amount.
You can use credit cards in BiH and abroad to withdraw cash, and to pay for goods and services in stores or online.
The list of merchants where you can buy in interest-free instalments using Mastercard Shopping card is available on this a link.
Merchants’ points of sale are marked with recognizable stickers of Master Card Shopping Card.
Additional benefits of paying in instalments with the Mastercard Shopping Card are:
- Free SMS notification about the completed transaction
- Discounts on all products/services from the merchant's product scope, regardless of whether they are already discounted
- Extended warranty for all products that were paid for with a Mastercard Shopping Card, regardless of whether they were purchased in BiH or abroad.
Additional benefits of making payments using VISA Magic / VISA Instalment Card are:
- Loss compensation in case the goods purchased in the country and abroad are flawed or stolen, applicable within 3 months for goods worth KM 50 or more.
- The loss compensation applies to any goods purchased, but there is a limit of KM 250 per loss event and a total of KM 500 for a 12-month period.
The minimum payment amount is created depending on the type of credit card, as well as the spending in the previous month. By the 20th of the month, customers are required to pay the minimum amount.
With the Mastercard Shopping card, the minimum amount is determined depending on how you made the purchase. If you made purchases in instalments and communicated to the merchant the desired number of monthly instalments, the minimum amount for payment is the instalment amount that was agreed upon. If you made a payment or cash withdrawal in the previous month, the minimum payment amount is 3% of the amount spent. If the card is not a part of the Account Service Set, payment of the account maintenance fee is mandatory.
With the VISA Magic / VISA Instalment card, the number of instalments is divided according to the amount spent, whether you pay by card or withdraw cash from an ATM. The table is provided below:Transaction amount
Number of monthly instalments
50.01 - 200 KM 6
200.01 - 500 KM 12
500.01 - 1,000 KM 24
1,000.01 - 5,000 KM 36
More information on credit card fees is available in Fee Schedule and Overview of Interest Rates.
The credit card payables can be settled in several ways via digital services:
- Raiffeisen Mobile Banking
- Raiffeisen Internet Banking
- Viber Banking
Additionally, cash payments can be made on CASH POINT ATMs.
Free-of-charge cash withdrawals are possible only for VISA Magic / VISA Instalment cards at Raiffeisen ATMs in Bosnia and Herzegovina. If you withdraw cash from credit cards at ATMs of other banks, please check the Fee Schedule.
Apart from regular benefits, in cooperation with card organizations, the Bank often prepares additional benefits, such as discounts for payments in certain stores or online retailers, etc.
The purpose of an additional card is to enable another person to use the limit approved on your credit card account. The additional card for the person of your choice is issued free of charge.
Raiffeisen Bank provides funds to charity for every transaction effected via MasterCard Shopping Card bearing the MC World mark. For each payment transaction made by this card, our bank allocates 10 pfennigs for charity. For example, 1000 transactions like this will generate the Bank’s donation to charity of KM 100. In this way, customers indirectly help three associations that the Bank continuously supports in many ways, and whose beneficiaries are children and people with special needs: Hearth for Children with Cancer, SUMERO and SOS Children’s Villages in Sarajevo.