WHAT IS THE VISA CREDIT CARD?

VISA CREDIT CARD - is an international credit cash card issued by Tatra banka and identified by the VISA logo.

With the VISA credit card, you will have absolute financial independency in 200 countries of the world and certainty that in each situation you will have access to money, regardless the current balance on your corporate account. In addition, you will automatically have the possibility to draw an interest-free credit facility for the term of up to 40 days, or a longer-term credit facility with beneficial interests.

BENEFITS OF THE VISA CREDIT CARD:

Independent of your business account

• drawdown of a beneficial credit facility without necessity to prove the use thereof by any documents
• in making cash-free payments, you are not constrained by daily limits, and you may draw the allocated credit facility in a single drawdown
• the annual fee includes also maintenance of your card account, a clear monthly statement of all transactions realised by the card, and unlimited number of accounting items
• you may check the expenses realised by all corporate cards via clear monthly statements which contain the information on each realised transaction

Simple payment

• purchase of goods and services without cash from more than 29 million worldwide business partners identified by the VISA logo (including more than 34,000 business partners in Slovakia)
• reservation and orders of goods and services also by phone, mail or internet (e.g. air tickets, accommodation, car rent, books, CD...)
• worldwide access to your cash in 800,000 cash machines (including more than 2,000 cash machines in Slovakia) or in banks identified by the VISA logo

Certainty in Traveling

• it allows you to travel any time and to any place without necessity to buy foreign-exchange prior to and during your journey - beneficial conversion of your expenditures by the sale exchange rate
• with your card, you have the option to obtain a beneficial travel insurance concluded with a renowned ALLIANZ insurance company - it saves the costs and time required for conclusion of the insurance policy, and the insurance is not limited by the duration of your stay in a foreign country during the whole insurance period, and it is not bound to the use of the card
• special benefits and discounts which may be applied by you in your journeys abroad in selected hotels, rent-a-car agencies, or shops

WHAT ARE THE BENEFITS OF THE VISA CREDIT CARDS in respect of THE CURRENT CASH CARDS?

• option of immediate issuance of the card, even if:
  o you are not a client of our bank
  o you have no account with our bank
• choice of repayment of the credit:
  o in the form of elected installments, only observing the minimum installment equal to 5% of the consumed credit
• option of immediate use of the credit:
  o for purchases without cash, and if you use 100% of your credit for payment, you may have your credit interest-free for up to 40 days
• option of single drawdown of your credit:
  o in you buy without cash, you may use the credit in single drawdown, because the VISA credit card will not limit you by any daily limit, only by the amount of the available total credit facility
• option to make payment:
  o in person - by a cash deposit in our bank or by a bank transfer from any bank in Slovakia.
  If you are a client of our bank:
  o by phone - 24 hours a day via the Dialog service
  o by electronic mail - via the internet
  o COLLECTION ORDER - from your account with Tatra banka or with any bank in Slovakia
• in the 24-hour customer service:
  o the option to use the 24-hour customer service provided by the Dialog service

WHAT WILL THE VISA CREDIT CARD PROVIDE TO YOU

• credit with the option of single drawdown up to the amount of the determined credit line to buy goods and services without cash
• credit which may be drawn interest-free for up to 40 days to buy things without cash, provided the amount equal to 100% credit will be repaid by the determined date
• credit with a beneficial interest rate with regular monthly installments
• credit which may be drawn 24 hours a day, 365 days in a year
• credit with automatic renewal after each installment - the option to re-draw the credit up to the amount of the renewed credit line
• credit without necessity to furnish any evidence to prove the purpose thereof

CURRENT INTEREST RATES APPLICABLE FOR VISA CREDIT CARDS

• standard interest rate 19% p.a.
• default interest rate +9,00% p.a.

You may REPAY THE SPENT MONEY as follows:

• by transfer of funds from an account in any bank in Slovakia or by a cash deposit in any Tatra banka branch
• in the amount of elected installments (no installment may be lower than 5% of the total value of the consumed credit) or in the amount equal to 100% of the total value of the consumed credit
• by a cash deposit in any Tatra banka branch
• by transfer of funds from an account in any bank in Slovakia
• placing an order for payment: by phone - via the 24-hour Dialog service or by electronic mail - via the internet - our bank´s clients; or in person - by delivering an order for transfer of payment to any Tatra banka branch
• by a collection order from your account with Tatra banka or with any bank in the Slovak Republic

Payment of the outstanding amount

The card expenses shall be paid by the holder of the total credit line in the manner determined by him in the application for issuance of the VISA credit card (by bank transfer, cash deposit or in the form of collection of money)
The holder of the total credit line of the private VISA standard card shall remit payments to the account No. 2002005250 with Tatra banka.
The payment may be identified by the bank by its variable symbol, so the symbol must be stated in each payment.
The variable symbol is fixed and consists of the last 10 digits of the main card issued as the first one (not the replaced or renewed card). The closing dates and due dates determined by the bank for the cycle 1 and 2 are set forth in the Closing Dates Schedule, which you may find in the end of this page.

POSSIBILITIES TO USE THE VISA CREDIT CARD

• PURCHASE of goods and services without cash in all places which are identified by the VISA logo (hotels, restaurants, department stores, travel agencies, etc...).
• DRAWDOWN of cash in cash machines and in banks identified by the VISA logo.
• RESERVATION or ORDERS of goods and services (by phone, mail, internet).
• In the so-called "SELF-SERVICE TERMINALS" which are identified by the VISA logo, you may use your VISA credit card for buying goods and services. This includes e.g. buying fuels, small items from vending machines (beverages, cigarettes), payment of parking fees, highway toll, calls from pay phones, etc.
• ORANGE teleplatba service will enable you:
  o to pay your monthly invoices to the mobile phone operator
  o to make any other payments for mobile communication to the Orange company or to make an advance payment for invoice in case you stay outside Slovakia for longer period
  o to make a single payment or regular payments for goods or service to selected merchants
  o a single or automatic renewal of credit of your Prima card with a bonus, which will be automatically added to the amount of the renewed credit (see the MY magazine or the Orange pages for more information)
• EASY Platba service will enable you:
  o to make payments for activation of EASY services in the T-Mobile company
  o to re-charge the credit of your EASY card with a bonus

AND MORE...

• the VISA card does not bother you in buying things without cash by frequently insufficient and low daily financial limits, and in case of need, you may draw the credit line in a single drawdown.
• With your VISA credit card, you may gain also beneficial travel insurance with ALLIANZ, a reputable insurance company. Each insured cardholder is insured abroad, regardless the length of his stay during the whole insurance period. The insurance is not bound to use of the VISA card.

INSURANCE AND CREDIT LINE OF THE VISA CREDIT CARD

• individual insurance
• credit line: between 5000 EUR and more

CASH WITHDRAWALS (in cash machines and banks):

In case of cash withdrawal* you have available funds equal to the weekly limit: 1000 EUR/week

*The bank will charge an interest for each cash withdrawal. CONDITIONS FOR OBTAINING THE VISA CREDIT CARD
1. commercial relation with Tatra banka for minimum 6 months
2. existence of the firm/trade license for business activities in the SR - minimum 2 years
3. positive financial analysis of the client
4. blocking of funds equal to 100% of the total credit facility in the event of not meeting the conditions set forth in items 1 to 3 above.
CONTACT US:

If you need more information about the options of issuance of the VISA credit card and if you need to consult the possibilities or manner of use thereof, or if you have any proposal or comment, please contact us personally in any Tatra banka branch/center or by phone: tel: 02/6866 1000, 02/5919 1000, 0903/903 902, 0906/011 000, 0850/111 100 (non-stop 24 hours a day - via the Dialog call service)