Benefits for DinaCard holders

Mercator-S company has introduced a new service for DinaCard users who can now get cash by making purchases in retail stores Mercator, Roda and iDEA, without visiting a bank or an ATM.

The “Get dinars” service enables DinaCard users to withdraw cash in the amount of up to RSD 5,000 when making a purchase, irrespective of the amount of the purchase. Owing to the wide network of Mercator, Roda and iDEA retail stores, particularly in places where the ATM network is less developed, this service will be available to a large number of consumers, who will have facilitated access to cash. At the same time, the “Get dinars” service enhances the competitiveness of merchants as it can attract more consumers in a retail store..

The service entails no additional costs for card users or other participants in the transaction, such as issuers, acquirers and merchants.

Banka Poštanska Štedionica and NIS a.d. Novi Sad, in cooperation with the NBS, have introduced the option of purchasing fuel, goods or services at NIS Petrol and GAZPROM petrol stations via deferred payment or payment in two identical instalments, interest-free, for holders of DinaCard-PostCard of Banka Poštanska Štedionica.

When paying at the cashier’s, consumers who opt for deferred payment or payment in instalments, using DinaCard-PostCard at NIS Petrol and GAZPROM petrol stations, choose one payment option – a 30-day deferred payment or payment in two identical instalments. If the buyer is paying in instalments, the first instalment is collected in 30 days, and the second 60 days after the payment date.

The minimum amount of the receipt for the consumer to exercise the right to this service is RSD 5,000.

Banca Intesa enabled payment in instalments for its DinaCard users– offering postponed payment in up to 12 monthly instalments at more than 9,000 points of sale across Serbia.

For more detailed information on the possibilities of paying in instalments by DinaCard card, please visit Banca Intesa website.

The NIS a.d. Novi Sad company has launched a “Take Cash” service for DinaCard users who make payments at NIS Petrol and Gazprom petrol stations. DinaCard users can now draw, in a quick and simple way, up to RSD 5,000 within the NIS large retail network in urban and rural areas, particularly if the place where they live has few ATMs. The transaction is cost-free for all participants (card issuers, card acceptors, merchants and users). Users can obtain more information about this service at the bank that issued their DinaCard.

The “Take Cash” service helps users to both make a purchase and draw cash. At the same time, merchants save time and have lower cash management costs – the amount of cash in the teller is reduced, i.e. the cash is paid to the user and thus credited to the merchant’s account. Merchants also become more competitive as this service is an opportunity for them to attract more consumers.

The holders of debit Dina cards of Banka Poštanska Štedionica who are employed under indefinite term contracts or are retired and receive their income through the Bank, have the option of making a purchase under very favourable terms – national card holders can make commission- and interest-free deferred payments in up to six instalments at points-of-sale throughout Serbia. The number of POS terminals is constantly increasing, and it includes IKEA, Gigatron, Tehnomanija, Matis, Đak Sport, Univerexport, Trgopromet, Win-Win, Aman, Mercator, Roda, Idea, etc.

Using this card to pay in instalments is equally beneficial as paying by cheque, only much faster and simpler – there’s no waiting at the check-out, no need to waste time filling out a cheque, and no limits as to the amount per cheque, while the holder decides on the number of instalments when making the purchase. If the holder wants to use the option of paying in instalments, they should choose the number of instalments when making the payment at the POS.

For more information about the terms of payment in instalments and the full list of merchants offering the option of deferred payment using the debit Dina card of Banka Poštanska Štedionica, please visit Banka Poštanska štedionica website.

The AMSS card is both an AMSS membership card and a DinaCard payment card, and is the result of business cooperation between the Automobile and Motorcycle Association of Serbia (AMSS) and Banka Poštanska Štedionica. By becoming a member of the AMSS and purchasing a particular services package, clients receive an AMSS card and are entitled to its payment function. Thanks to this card, AMSS members are entitled to discounts when making payments at points-of-sale with AMSS partners throughout Serbia bearing the sign “Pay and Save!” Savings or discount is made when the relevant amount equivalent to the discount is paid to the card account. This card can be used as a payment card, just like any other Dina card, at all other points-of-sale in the country bearing the DinaCard logo.

The AMSS payment card is a prepaid card that can be topped up an unlimited number of times, and is used up to the amount of available funds paid to the card account. For more information about the AMSS payment card, please visit Banka Poštanska štedionica web-site

NLB Komercijalna banka offers to its DinaCard credit card holders the possibility to make payments in several equal interest-free monthly instalments at over 1,700 points of sale. If the credit card is used at the POS terminal of NLB Komercijalna banka at merchant stores with which the bank has concluded a cooperation agreement, it is possible to make payments in equal, interest-free monthly instalments, as agreed with the merchant. This payment method is an excellent substitute for cheques, as it offers the same benefits, while at the same time being simpler and easier.

Payment in interest-free instalments is a benefit which card holders may, but are not required to, use. As the DinaCard credit card issued by NLB Komercijalna banka is a revolving card, once the instalment payment option is selected, the transaction is divided into the number of instalments agreed with the merchant and is not included in the calculation of principal for the revolving model of payment.

For more information on payment in instalments by DinaCard credit cards of NLB Komercijalna banka, please visit NLB Komercijalna banka website.

NLB Komercijalna banka offers to its DinaCard classic/start debit card holders the possibility to make interest-free payments in maximum 6 monthly instalments at merchant stores with which it has concluded a cooperation agreement. To use this service, holders must first activate it in one of the bank’s branch offices, when receiving the card or subsequently as needed.

For more information on this service and the points of sale where it is possible to make interest-free payment in instalments by the DinaCard classic/start debit card, please visit NLB Komercijalna banka website.

The DinaCard co-brand card is the result of the cooperation between NLB Komercijalna banka and DIS company. It enables card holders to make deferred payments for up to 90 days in DIS stores and franchises, at POS terminals of NLB Komercijalna banka. The card has an approved monthly limit determined on the basis of the wage received through the account with NLB Komercijalna banka and the client’s overall creditworthiness. In addition to the main card, the card holder may also request to be issued up to two additional cards (tied to the main card’s limit). It is important to note that deferred payments are interest-free during the first 60 days, while from day 61 to day 90 NLB Komercijalna banka charges a monthly interest rate of 1.20%.

For more information about the DIS co-brand Dina card, please visit NLB Komercijalna banka website.

A Plus credit card is a result of cooperation between RBA banka and Aman company. It offers the option of deferred payment up to 40 days with a 5% discount in all Aman and Inter Aman stores. Depending on the amount, payments can be made in 3, 6, 9 or 12 instalments if the purchase exceeds RSD 2,999. A PLUS credit card, just like all other DinaCard cards, can be used at all POS in Serbia bearing the DinaCard logo, as well as on domestic webstores, and cardholders can also withdraw cash at ATMs in Serbia, dividing the amount into no more than 12 instalments.

A one-off fee is charged for all A PLUS card payments – 3% for payments in 3 and 6 instalments and 5% for payments in 9 and 12 instalments. When settling their liabilities, cardholders can choose to settle the liability before the 10^th of each month without any interest charged, or they can determine the amount of the payment themselves according to the revolving principle, with interest charged on the remaining debt.

For more information about the A PLUS credit card, please visit RBA banka website.

OTP bank offers more favourable terms of purchase from merchants – bank partners for all holders of payment cards issued by OTP bank, including national DinaCard cardholders. The benefits may be realised for different types of products and services in the areas of travel and tourism, culture and education, clothing, interior furnishing and many other.

The full list of retail stores offering a discount for payment by OTP bank cards may be found on the OTP bank website