Make new experiences happen Credit cards

Pay with a card made from recycled plastic or add it to your mobile wallet and pay with the device that you always have at hand. Buy immediately, pay with delay or in instalments and collect points through the Zlatna RBICA loyalty program.

Arrange online Mastercard Gold

Payment extension or payment in installments

All RBA credit cards allow you payment with
delay of up to 50 days, and every purchase above EUR 40,00 can be split into 2 to 24 instalments at zero interests for any such split payment

Safe online shopping

With RBA credit cards, we provide secure online payment according to the highest Mastercard and Visa standards

100% recycled cards

All RBA credit cards are made of 100% recycled plastic, which allows energy savings and reduces the generation of new waste

Zlatna RBICA rewards you every time

Use the RBA credit card and the benefits of our loyalty program Zlatna RBICA

Mastercard Gold

0,00 EUR

annually

free of charge, no registration fee
options to use it as a charge and/or revolving card
purchase in instalments
secure online payment by the highest Mastercard standards
Zlatna RBICA loyalty programcontactless payment with mobile wallet with RaiPay or Apple
paypossibility to contract additional benefits:

Mastercard PLUS - UNIQA Travel Insurance Policy with Accidental Death Coverage – EUR 13,27 annually
Mastercard Gold PLUS - UNIQA Travel Insurance Policy with Accidental Death Coverage and Oryx Road Assistance for EUR 53,09 annually
Arrange online Mastercard Gold
Mastercard World

119,45 EUR

annually*

no registration fee
options to use it as a charge and/or revolving card
purchase in instalments
secure online payment by the highest Mastercard standards
Zlatna RBICA loyalty programcontactless payment with mobile wallet with RaiPay or Apple

UNIQA Travel Insurance Policy with Accidental Death Coverage
UNIQA Insurance Policy for purchased goods in case of loss due to theft, fire and/or adverse event during delivery
UNIQA prolonged 24-month warranty for purchased goods
Fast Track service - possibility to go more quickly through security control at airports worldwide – use twice for free
Priority Pass – unlimited free access to more than 1700 VIP lounges at airports worldwide
Mastercard World Elite

189,00 EUR

annually**

no registration fee
options to use it as a charge and/or revolving card
purchase in instalments
secure online payment by the highest Mastercard standards
Zlatna RBICA loyalty programcontactless payment with mobile wallet with RaiPay or Apple

UNIQA Travel Insurance Policy with Accidental Death Coverage
UNIQA Insurance Policy for purchased goods in case of loss due to theft, fire and/or adverse event during delivery
UNIQA prolonged 24-month warranty for purchased goods
Fast Track service - possibility to go more quickly through security control at airports worldwide – use 12 times for free
Priority pass - unlimited free access to more than 1700 VIP lounges at airports worldwide for you and one guest + 6 free uses for additional guests
Concierge service - personalized restaurant reservations, ticket purchase, travel arrangements, gifts and more for a unique exclusive experience

*If you use the PremiumPLATINUM or FlexiSPECIJAL PLUS package, you do not pay the annual fee for the primary Mastercard World card user

**If you use the PremiumPLATINUM or FlexiSPECIJAL PLUS package, your annual fee is EUR 69

How to get online Mastercard Gold credit card?

Fill out the online request and we'll send you an offer

Select spending limit amount and enter your information. You will complete the request faster if you prepare the OIB of the employer, the number of your personal document and the average of your salary for the last 3 months. Before confirming the request, check and correct your information if necessary. Submit your application and you will receive an informative credit card offer in a few minutes.

Accept the offer

To continue the process, accept the offer and, if needed, upload the necessary documents from the e-Citizens portal.

Additional documentation that we can ask for is the e-work book and the e-JOPPD form, and you can download them from the e-Citizens portal.

In some cases, for processing the loan application, you will need to submit other documents to the branch. You will receive detailed instructions by email.

Identify yourself with a video call

Prepare your ID card and follow the instructions for video identification.

Video identification is a digital solution for your identification. In a short video call, we will establish your identity and the validity of your personal identification document.

Digitally sign documentation

Read the contract and accompanying documentation and simply sign in a few clicks.

Electronic signature is a way of digitally signing documents that can replace manual signature. It is safely used for online signing of contracts, and in court proceedings it is valid as proof that a certain person signed a certain document.

The card comes to your address

Your card arrives to you in the shortest possible time, and you can activate it in just two clicks.

Arrange online Mastercard card

In some cases, it may be necessary to come to the branch office to process the request.

We reward your every purchase Zlatna RBICA loyalty program

by contracting any RBA credit card, you participate in the loyalty program completely free of charge
every transaction made by a credit or any debit card of your account collects you points
exchange the collected point for the Zlatna RBICE euros in your card
the Zlatna RBICE euros have no expiry date
the Zlatna RBICE euros can be spent at sales venues of our partner merchants

Learn more

Additional card Card for minors

If you have a personal RBA credit card, request a supplementary
card for your child (from 12 or more years of age). By using a supplementary card,
your child can pay on their own in sales venues and make contactless payments
with the mobile wallets with Apple Pay or RaiPay and they can use ATMs.

Learn more

UNIQA ADDITIONAL INSURANCE Arrange insurance with the credit card

As a Mastercard user, you have the option of contracting an annual UNIQA insurance package that includes travel health insurance and insurance in case of death due to an accident – 13.27 EUR per year.

ORYX ASISTENCIJA ROAD ASSISTANCE Insure yourself and your vehicle

It is easier to enjoy the ride when you are insured.

the service is available 24/7, 365 days a year
free “Roadside assistance” service in the territory of the Republic of Croatia and
Europe for a total amount of up to 199.08 EUR
free vehicle transportation from the scene of the accident, i.e. vehicle recovery in
the territory of the Republic of Croatia and Europe, total amount up to a
maximum of 331.81 EUR
use of a replacement vehicle or accommodation totaling up to a maximum of 46.45 EUR
delivery of the vehicle after repair totaling up to a maximum of 13.27 EUR
free storage of a broken-down vehicle or one damaged in a traffic accident on the
territory of the Republic of Croatia, for a maximum of 2 days
possibility to use the "Road Angel" application, to report serious traffic accidents

Track the balance of every purchase with RBA credit cards

Division into installments

split every credit card purchase above EUR 40 in instalments up to 24 months at 0% interests after the splitting
covers all online and offline credit card payments
Loyalty program

with the contracted credit card, you automatically participate in the free Zlatna RBICA loyalty program
we reward credit card and debit card purchases every time
exchange collected points for reward euros at our partners' points of sale and reduce your bill
Cost control

easily track all your payments and withdrawals
monitor the status of transactions and account details, cards and loans
monitor cost statistics by category
mojaRBA offer

order products online without coming to a branch
request an online personal loan of up to 40,000 EUR
quickly and easily arrange a term deposit in just a few steps

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FAQ

Find answers to the most frequently asked questions.

A revolving credit card is a credit card that allows you flexible payment and repayment of expenses. You can use it to buy goods and services and to withdraw cash from ATMs. Every month you have the option of paying off costs in the amount of 3% of the total debt (minimum 20 €) or paying off the total debt – whichever suits you best. The remaining amount is transferred to the next month with the calculation of interest on the remaining debt amount.

Paying with the RBA revolving card is easy. When buying goods or paying for services, tap or insert the card, or enter information online. After that, the amount is charged to your card. You receive a monthly spending report with all transactions and the total amount of funds used, and you have the option of choosing how to pay for it.

A credit card statement is a document that provides a detailed overview of all transactions and expenses for your credit card in one accounting period, after which a report is created showing all transactions related to the card.

Transaction date: the time each individual transaction occurred.

Place of transaction: where the transaction took place, such as a store or online store.

Transaction amount: how much money was spent or charged for each transaction.

Transaction type: whether it was a purchase of goods, services or an ATM withdrawal.

The report also contains the total amount of debt on the card, the minimum amount of debt that needs to be paid, the total amount of installment transactions that are due for payment (if any), accrued interest and any additional fees.

A credit card is a financial instrument that allows you to make purchases, pay for services and expenses, and withdraw cash from ATMs. The main feature of a credit card is that it allows you to temporarily borrow money from the card issuer, usually a bank or financial institution.

Each credit card has a certain credit limit, which is the maximum amount you can spend on the card. The credit limit depends on your creditworthiness and history.

You can apply for and contract a credit card at any RBA branch if you meet certain
requirements. The Mastercard Gold credit card can be contracted also online.

By using the mojaRBA app, all information about transactions, the available limit and due dates are available to clients at any time, both for the basic card and for all cards of additional users. In addition, the monthly statement provides the client with all relevant information about monthly obligations, as well as a detailed specification of all expenses within that accounting period.

First and foremost, you should always buy at trusted outlets, try not to believe everything you read and be guided by the principle “if it sounds too good to be true, it probably is”. Second, but no less important, is to never share your information with third parties – card number, expiration date and CVV/CVC number, as well as one-time codes for payment authorization or card activation in mobile wallets. As for digital wallets, they do not store card numbers or other card data, but the so-called tokens that further secure payment and make mobile wallets a more secure payment method as long as they are used according to instructions and as long as information is not shared as stated.