Visa Classic credit card

Visa Classic credit card


With Visa Classic credit card you can dispose of the amount granted to you in the form of a revolving loan. A revolving loan is an on-going credit facility, with a fast and simple granting procedure and no usual security instruments, guarantors or deposits. It is up to you to decide when and what amount you will withdraw, in line with your needs and wishes. Likewise, you decide when and what amount you will settle, provided that the mandatory floor amount of 5% of the utilised amount (or HRK 150) is repaid each month.

Take the advantages we offer

Simple and easy use

Visa cards are accepted in the retail networks worldwide. Visa Classic credit card enables you to pay free of charge at all points of sale bearing the Visa sign, and make withdrawals around the clock at all ATMs bearing the Visa sign, whether in the country or abroad.

A Visa Classic credit card makes payment simple. It is enough to present the card at the point of sale, sign the receipt and take a copy. Before you sign, make sure you check the amount debited and the receipt copy.

Your Visa Classic credit card is your access to modern shopping channels. Simply fill in the card data required, and you can shop on the internet, or make television, telephone or catalogue purchases.

Card usage

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 Visa sign in the country and abroad. The daily card spending limit is capped at EUR 2.000 of which EUR 600 can be withdrawn at ATMs


Cost control

Sending of the statement of account to the provided e-mail address

The advantage of the VISA Classic credit card lays in the fact that the expenses incurred may be settled in monthly instalments, on the date you choose as the due date: 10th, 20th or 28th of a month.  The minimum amount of the monthly instalment shall not be less than 5% of the expenses incurred.

If this repayment dynamics suits you, you do not even have to worry about payments because that amount is automatically charged to your current or foreign currency account each month. You can be issued a card even if you do not hold a current or a foreign currency account with OTP banka. If you do hold a current account with OTP banka, such account automatically becomes the primary settlement account, or the secondary settlement account, in case you choose your foreign currency account to be the primary one (which basically means that, in case there are no sufficient funds in your foreign currency account, any unsettled portion of the debt will be debited to your current account).

Your payment may exceed the set minimum amount, or you may choose to repay the debt in full. Each payment towards credit settlement increases the amount available for further spending, i.e. the credit amount is renewed up to the approved credit limit.

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 Internet banking or in your nearest OTP banka branch!

Overview of the basic data concerning the Visa Classic credit card, turnover per credit account and overview of itemized invoice information are also available via OTPdirekt, via Internet banking or via telephone banking and calling the Contact Centre of OTP banka at  0800 210 021.

You can efficiently control the use of your card also via SMS info service. 
You can make payments in respect of your credit credit in all the Bank’s branches and via Internet banking and telephone banking.

If you use 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.


Interest paid on revolving credit

The interest is accrued for the utilised revolving credit amount until final repayment of such revolving credit, as stipulated by Bank’s internal regulations.

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 advances is accrued from the date such transaction has been recorded in the Bank until the day it is settled.

However, if the minimum amount is not settled by the due date, the Bank shall charge statutory penalty interest on the outstanding amount from the due date until such amount 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 records the financial transaction.


How to become a cardholder

If you would like to become a Visa Classic credit cardholder,  familiarise yourself with the General Terms and Conditions of Issuance and Use of Visa Classic revolving card, and visit the nearest  OTP banka branch
Alternatively, you can submit an application for Visa Classic credit card also via OTPdirektInternet banking.

Each principal VISA credit cardholder may appoint two additional members to jointly dispose of the approved credit credit proceeds.