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 are absolutely financially independent in 200 countries worldwide and certain that in any situation you will have access to your money, regardless the then current balance on your personal account. Moreover, you will automatically be provided with an option to draw an interest-free credit for up to 40 days, or a long-term credit with beneficial interest rate.

BENEFITS OF THE VISA CREDIT CARD:

Independent of your personal account

• you don´t need any personal account or cash
• drawdown of a beneficial credit without necessity to prove by documents the purpose of use thereof
• 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 obtain your card even without having any Tatra banka account

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

• the option to gain beneficial travel insurance with your card
• special benefits and discounts which may be applied by you in your journeys abroad in selected hotels, rent-a-car agencies, or shops

The VISA CARD is a genuine credit card, combining all ways of use of the cash card for buying goods and services and making cash withdrawals, with the option of repayment of the spent money in the form of an interest-free credit or a credit with beneficial interest rate.

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:

- you are not a client of our bank
- you have no account with our bank

• CHOICE of repayment of the credit:

- 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:

- 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:

- 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:
- 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:
- BY PHONE - 24 hours a day via the Dialog service
- BY ELECTRONIC MAIL - via the internet

• in the 24-hour CUSTOMER SERVICE:

- 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 prove by documents the purpose of use thereof.

CURRENT INTEREST RATES APPLICABLE FOR VISA CREDIT CARDS

• standard interest rate 13.9% 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
• 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
• 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. 2005005248 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:
  - to pay your monthly invoices to the mobile phone operator
  - 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
  - to make a single payment or regular payments for goods or service to selected merchants
  - 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:
  - to make payments for activation of EASY services in the T-Mobile company
  - 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 individual and family 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 GOLD CREDIT CARD

• individual insurance
• family insurance
• credit line: between 5000 EUR and 15000 EUR

Representative example for VISA Gold credit card:

*Monthly payment with maturity period of 12 months specified herein serves for calculation of annual percentage rate only.
**Total amount the client will have to pay is calculated upon monthly repayment in the amount of determined minimum credit card payment, i.e. 5 % from total non-paid delinquent sum including interests and monthly charge, however EUR 15 minimum.

CASH WITHDRAWALS (in cash machines and banks):
In case of cash withdrawal you have available funds equal to the weekly limit: 1000 EUR/week

CONDITIONS FOR OBTAINING THE VISA CREDIT CARD

• permanent residence on the territory of the Slovak Republic
• age between 18 and 65 years on the date of filing the application
• proving by documents the solvency and continuing employment minimum for the period of 3 months, confirmed by the employer
• A natural person-entrepreneur must prove existence of the trade license for performing business in the Slovak Republic minimum for the period of 2 years and solvency by a confirmation of incomes from business activities for the last year, confirmed by the relevant institutions.

BENEFITS OF THE PRIVATE VISA CREDIT CARD

1. The applicant for the private VISA credit card NEED NOT HAVE A TATRA BANKA ACCOUNT.
2. The applicant for the private VISA credit card need not provide ANY SECURITY to the bank.
3. The main private credit card holder may request the bank to issue an additional card (e.g. husband/wife, children, common-law husband/wife, etc.) for a beneficial annual fee of 4,98 EUR. You may request the additional credit card in filling-in the Application for issuance of the VISA credit card. The main card holder may determine the amount of the credit line which may be drawn by the additional card holder from the determined total credit line to the main card.
4. The private credit card holder may also use the option of beneficial family travel insurance.

For issuance of an additional private credit card, it is sufficient to have:

• a consent of the total credit line holder who will determine the amount of the credit line for the additional card
• the age of the future additional card holder - minimum 15 years.