The Mastercard Standard credit card is simple to use, both on the points of sale and ATMs. When making a payment, you only need to show your Mastercard Standard credit card, type in your PIN* and take a receipt ccopy.
Before you type in your PIN, make sure you check the amount debited and the receipt copy.
Cash advance limits
Within the daily and monthly cash advance limits, and depending on the available balance and the total approved limit, you can use your card for cash withdrawals at ATMs and at banks bearing the Mastercard sign in the country and abroad. The daily card spending limit is capped at HRK 15,000 of which HRK 4,000 can be withdrawn at ATMs
We have provided a wide ATM network for your convenience! Please note that as of 6th May 2017 OTP banka clients have had the advantage of using Splitska banka ATMs, on same conditions as OTP banka ATMs, where the joint network now boasts of 520 ATMs! Thus, it makes no difference whether you choose an OTP banka ATM or a Splitska banka ATM…
Sending of the statement of account to the provided e-mail address
Do you know that the information about the balance and turnover of your current, foreign currency or transfer account, or about the monthly costs charged to your credit or prepaid card can be sent to the e-mail address you provide? This service is free of charge and can be contracted in any OTP banka branch and or via eLEMENT@ Internet banking.
In order to provide you with a simple and effective cost control, once a month we will send you a statement of account specifying all the costs incurred. Even the payments you made abroad will be expressed in local currency on your monthly statement.
You can receive your monthly statement of account to your e-mail address free of charge if you contract the service via eLEMENT@ Internet banking or in your nearest OTP banka branch!
You can control the card usage very efficiently via OTPdirekt service where you can choose between eLEMENT@ Internet banking, telephone banking or SMS info.
If you use eLEMENT@ Internet banking service, you can have an insight into the itemised costs, and do not need to have a hard copy of the statement delivered to your address. Of course, at your request, the itemised statement can be delivered to any address you choose.
Telephone banking provides an overview of costs and card information via answering machine or the Contact Centre.
The SMS info service provides the options of SMS control of bank card use and SMS replies to your inquiries.
- SMS control of bank cards
When your credit card is used, the Bank will notify you immediately by sending an automatic SMS containing the information about the authorisation of a cash withdrawal transaction at an ATM or payment of goods at a point of sale. This way you can efficiently control own expenses, but also detect possible unauthorised usage of your card in the shortest time possible.
- SMS at request (interactive SMS)
This service provides access to information at own SMS request. Just send an SMS request if you urgently require information about the turnover on your accounts, applicable exchange rate, authorised and current limits on your credit cards, balance of your units in investment funds, number of unused cheques, information on your time deposits, IBAN, or if you are interested in the general data about the Bank.
Interest paid on revolving credit
The interest on the revolving credit is accrued for the utilised revolving credit amount only.
Interest is not accrued for the purchases made in the current accounting period, i.e. the period lasting one month, between two revolving credit accounting dates (the last and the upcoming one).
Interest on cash withdrawals is accrued from the date such transaction has been recorded in the Bank until the day it is settled.
The amount of accrued interest is reported in the itemised invoice information and is fully included into the minimum revolving credit amount to be repaid monthly.
According to EU Regulation 518/2019, the cardholders have insight into the calculation of the amount to be debited in the card currency in case of the transactions they made at cross-border retailers (including ATMs and cash dispensing machines) from the European Economic Area (EEA) and in foreign currencies from EEA, the authorisation for which is received by the Bank, and can compare it against the exchange rate of the European Central Bank (ECB). The exchange rate value date applicable upon posting will be the transaction date, that is, the date the bank receives the authorisation. Namely, the value date is determined based on the authorisation receipt date, which means that such transactions are recorded on the bank’s system once the authorisation has been received (for other transactions it transpires that they are recorded once the related financial transactions have been received).
How to become a cardholder
If you would like to become a Mastercard Standard credit cardholder, familiarise yourself with the General Terms and Conditions of Issuance and Use of Mastercard Standard credit card, fill in an application and visit the nearest OTP banka branch.
Alternatively, you can submit an application for Mastercard Standard credit card also via OTPdirekt, eLEMENT@ Internet banking.
Reliability and security you experience in managing of your finances with the Mastercard Standard credit card can easily be extended to your loved ones. All the expenses incurred with the additional card can be controlled the same way as those incurred with your own card, which is most efficient if you use OTPdirekt.