Card holders

DinaCard is a domestic, national payment card that can be used for paying goods and services and for withdrawing cash. In Serbia DinaCard can be used for paying goods and services in all the retail stores with DinaCard sign on them, and for withdrawing cash at all ATMs and window tellers displaying this sign. Depending on the territory of use, DinaCard can be used solely domestically, but it can be intended for international use as well. If you travel often and wish to use your card abroad, address your card issuing bank with the request for issuance of DinaCard intended for international use. You will be able to use that card abroad as well, in retail stores and ATMs displaying the signs of acquiring networks Discover, Diners or Pulse.

Natural persons and legal entities can be DinaCard cards holders. Cards intended for natural persons are tied to the holder’s account with the issuing bank – current account, credit account and alike, while the cards for legal entities are business cards and are tied to legal entity’s or entrepreneur’s account. A single legal entity may have several business cards tied to its account, each of them in the name of the employee using the card.

Two basic DinaCard products are debit and credit cards, and in addition to these two, there are specific cards, such as co-branded cards, prepaid cards or virtual cards intended for online use solely, use by mobile phones or in some other way, without the physical presence of the card at the place of transaction.

In addition to the main function of paying for goods and services in retail stores and withdrawing cash, DinaCard holders have additional services at their disposal in the form of making payments via mobile phone and via the internet.

DinaCard payment card can be used for paying directly at the counters of the Treasury Administration of the Ministry of Finance, at no additional fee charged for card payments.

Property tax, annual personal income tax, motor vehicles sales tax, contributions for mandatory social insurance for agricultural workers and tax on personal income from agriculture and forestry can be paid at no charge, at the counters of the Treasury Administration.

Debit and credit cards

Debit DinaCard cards enable cardholders to pay for goods and services and withdraw cash at ATMs and teller windows in the DinaCard system, up to the amount of funds on their payment accounts including the approved overdrafts. The card is linked to a cardholder's current account and is most often issued free of charge within standard bank service packages.

Credit cards enable the use of funds whereby the card issuer credits the cardholders, according to the contract previously signed by both sides. Credit cards allow deferred payment in several instalments, and are therefore especially suitable for larger purchases. During the crediting period, issuers charge interest to cardholders, according to the contract signed with the cardholder. There are several types of credit cards in the DinaCard system differing in the manner of debt repayment, the most frequent being:

  • Revolving credit cards
    Revolving credit card entails monthly repayment of the contracted percentage of the debt incurred by the calculation date. The pace of repayment (percentage of debt being paid off) is agreed between the cardholder and the issuer, and it is usually 10-30% of the total card debt, and some card issuers even offer the repayment of 5% of the debt at monthly level. However, one should bear in mind that the lower the percentage of debt repayment, the longer the repayment period, and hence the higher the total amount of interest to be paid off eventually. The convenience of this card is the possibility for the cardholder to repay a higher amount of the debt, or even the entire amount at once, at any moment, opening the possibility to significantly reduce the total interest payable, but also the possibility of a new credit up to the entire amount of the credit limit. The amount of the extended credit limit is determined by the issuer in line with the financial possibilities of the card holder, current regulations and its business policy.
  • Charge credit cards
    With Charge type of credit card, outstanding card debt is usually paid once a month, i.e. within the calculation period defined by the issuer, usually 30 days. At the end of this period, the issuer informs the cardholder about the amount of outstanding card debt, and the deadline for payment. Simply put, once a month the issuer informs the cardholder on the balance of their credit card, including all purchases during the previous month, and the deadline for payment. The calculation period and interest depend on the contract signed by the cardholder and the issuer.
  • Instalment cards
    With this credit card, the outstanding debt is paid off in equal monthly instalments. There are different options for debt repayment, the two most frequent being as follows – either the card holder, when signing the contract with the issuer, decides on the number of monthly instalments for every purchase, or the amount of purchase is determinant of the number of instalments. During the credit period, the card holder is charged an interest in line with the contract signed by the card holder and the issuer.
Co-branded cards

Co-branded Cards are a special product in card systems produced as a result of the cooperation between the card issuer and another legal entity – partner issuer. Most often partner issuer offers certain facilities to the co-branded product holders, when paying, in the form of rewards, reimbursement of a portion of the money, more favourable payment conditions and alike. There are several co-branded products in the DinaCard network, adjusted to the needs of the local market and consumers, and more details on every product can be found on the card issuer’s website:

  • DinaCard DIS Co-branded Card – Co-brand of the DinaCard payment card and retail chain DIS issued by the Komercijalna bank
  • Belmedic Card – Co-brand of the DinaCard payment card and General Hospital Bel Medic issued by the Credit Agricole bank
  • DinaCard Aman Co-branded Card – Co-brand of the DinaCard payment card and retail chain Aman issued by the Credit Agricole bank
Prepaid cards

Prepaid card is a payment card which implies money loaded onto the card in advance, which is then at the disposal of the card holder. Depending on the purpose and the type of the prepaid card, it can be used for cash withdrawal and/or purchase of goods and services in all retail stores, at teller windows and ATMs which have a DinaCard sign on them. Prepaid card works as a debit card, which means that cardholders can use funds up to the amount of funds available on their prepaid accounts. Prepaid cards are an extremely attractive product, and the usual types of this product are gift cards, cards for minors, travel cards, tourist cards, etc. Some types of prepaid cards are issued for single use – used until all funds on them have been spent, whereas other types can have a prolonged usage and can be topped up once the funds on them have been spent.

Alternative payment channels

DinaCard holders may use mobile phones, as an alternative payment channel. This payment service is a convenient solution for topping up one’s own or somebody else’s prepaid credit or for paying one’s own or somebody else’s bill. Card holders can now settle their bills for mobile phones, landline telephony bills (and related services) as well as the bills of Objedinjena naplata in Niš, and the intention is to extend this service to other bills, primarily electricity and utilities bills in other towns of Serbia. Mobile phone payment service can be used by both prepaid and postpaid users who are at the same time DinaCard card holders, and it is available in the roaming, too, the only condition being holder registration by the card issuing bank. DinaCard payment service via mobile phone is currently available for users of the Mobile telephony of Serbia network.

If you are using the DinaCard card and wish to register for mobile phone payment service, contact you bank for more details. After registration, you will receive mPIN in a text message, which is a code you will use in the future to confirm every payment transaction via mobile phone. mPIN (as well as PIN you received with the card from you bank) should not be revealed to anyone. Mobile phone payment transactions have daily and monthly limits.

The procedure for initiating the top up of prepaid credit or bill payment is very simple – a text message is sent to an appropriate short number; after that you receive the request to confirm the transaction with your mPIN and finally a confirmation message about the successful transaction. You will receive a detailed Instruction on the mobile phone payment in the DinaCard network from your card issuer. Credit top-up transaction or payment of bills can also be done using application m:pay Mobile telephony of Serbia.

Security

DinaCard is a means of payment and is used and kept accordingly. It can be used solely by a person whose name is printed on the card, except in the cases of special types of cards, such as prepaid gift cards, when the cardholder’s name is not printed on the card.

After receiving the envelope with the PIN number, this number should be memorised. Only the card holder should know the PIN number, and they must not share it with anybody else, as a protection against unauthorised card usage. It is particularly important to stress that PIN number should under no circumstances be written down on the card, nor be carried together with the card (e.g. in a wallet), as this increases the possibility of unauthorised use. It is also recommendable to cover the keyboard with your hand when typing in the PIN number on the occasion of withdrawing cash at ATM.

In the case of DinaCard theft or loss you should report it as soon as possible to the card issuer. The issuer will immediately block the card and thus eliminate the possibility of unauthorised use. The card holder bears the risk for potential abuses occurring until the moment of card theft/loss report, up to the amount defined by current regulations. If, afterwards, the reported stolen/lost card is found, it cannot be used, but must be returned to the issuer.