Simple and easy use
Visa cards are accepted in the retail networks worldwide. Visa Gold card enables you to pay free of charge at all points of sale bearing the Visa sign, make withdrawals around the clock at all ATMs bearing the Visa sign, whether in the country or abroad.
The Visa Gold 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 Gold 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.
Cash advance limits
Within the daily and monthly cash limits, and depending on the available balance and total approved limit, you can use your card for cash withdrawals at ATMs and at banks bearing Visa signs in the country and abroad. The daily cash withdrawal limit is capped at HRK 6.000,00, and the monthly cash withdrawal limit is capped at 25.000,00.
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…
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.
The monthly statement delivered to you by the bank will include the record of costs incurred over the preceding accounting period, and your account will be debited on the day you chose as the most convenient for you. You can check the receipts you have from the preceding accounting period against the itemised statement.
If you wish, you can settle the expenses as soon as they are accrued, and thus replenish the available credit even before the due date.
As for the revolving model, the mandatory monthly payment of only 5% of the utilised revolving credit is automatically charged every month to your current or foreign currency account. 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). If you wish, 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.
Striving to ensure a simple and efficient control of the expenses, we will send you an itemised statement of all the expenses.
All the expenses incurred abroad shall be shown in domestic 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!
Using the services of OTPdirekt, eLEMENT@ Internet banking or telephone banking, via Internet or by calling the Contact Centre on 0800 210 021, you can check the transactions on your credit account at your convenience, you can check the notifications on costs incurred and make payments without having to come to the bank.
You can efficiently control the use of your card also via SMS info service.
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.
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).
According to the revolving model, interest is charged on cash withdrawal transactions from the date the transaction is recorded in the Bank until the date the payment is made.
The interest is accrued for the utilised revolving credit amount until final repayment of such revolving credit, as stipulated by Bank’s internal regulations.
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 Visa Gold cardholder, familiarise yourself with the General Terms and Conditions of Issuance and Use of Visa Gold card, fill in the application and visit the nearest OTP banka branch.
Alternatively, you can submit an application for Visa Gold card also via OTPdirekt, eLEMENT@ Internet banking.
Each principal Visa Gold cardholder may appoint two additional members to jointly dispose of the approved credit proceeds.