Below is a comparative analysis of eight Serbian banks that are most convenient for foreigners. For many banks, detailed credit card terms, including grace period, rates, and annual maintenance, are not published and are provided individually. Therefore, the exact details can be clarified with a personal request from the bank.
Credit card from API bank
Grace period: Presumably up to 45 days
Credit limit: individualy
% rate: Approximately from 22 to 32% per annum
The cost of maintenance: Check with the bank’s staff
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
Credit card from OTP Banka
Grace period: up to ~120 days
Credit limit: for Standard products: RSD 100 000 for cash withdrawals at ATMs and POS terminals, RSD 200 000 for payments at POS terminals and RSD 200 000 for Online payments
% rate: ~34–35% per annum
The cost of maintenance: 0–~3 000 RSD
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
Credit card from UniCredit Bank
Grace period: up to ~45 days
Credit limit: from 80 000 (standard Dinacard) to 480 000 RSD (Platinum) daily
% rate: ~22%
The cost of maintenance: About 200 RSD per month. Check with the bank for more details (73 RSD per month is mandatory for service SMS CARD ALARM)
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
Credit card from Raiffeisen Banka
Grace period: ~45 days
Credit limit: individualy
% rate: Approximately from 22 to 32% per annum
The cost of maintenance: Check with the bank’s staff
Requirements: You need to be a working or retired person with a monthly salary/pension of more than 18,000 dinars. If you are employed, you must have worked for your current employer for at least 6 months. You must be at least 20 and no more than 68 years old at the time of application.
Card validity period: 2 years
Adriatic Bank
Grace period: up to 45 days
Credit limit: from 300 to 5 000 EUR
% rate: from 5% per month
The cost of maintenance: from 800 RSD per year
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
Poštanska štedionica
Grace period: up to 45 days
Credit limit: up to 100 000 RSD
% rate: 14,50%
The cost of maintenance: 50 RSD/month
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
