Zlatna RBICA loyalty program

Where every kuna is worth more!

Zlatna RBICA loyalty program

Where every kuna is worth more!

Find out more

Rewards every time!

Under the Zlatna RBICA loyalty program your kuna is worth more. 
To become a program member, you need to be an RBA Personal Mastercard and Visa credit card holder and you´re in automatically! Program is completely free of charge, and all you need to do is use your RBA cards when shopping!

Zlatna RBICA allows you to collect points for each payment made with your RBA (credit and debit) cards at any point of sale in the country and abroad and when making online payments for goods and services, including installments purchases. All cards of your additional cardholders and authorized persons also collect points for you. Exchange your points for a Zlatna RBICA kuna equivalent on your card and spend it whenever you like, at any points of sale of RBA partners.

Zlatna RBICA - Mastercard dupli bodovi

U listopadu imate dvostruki razlog za plaćanje svojom RBA Mastercard kreditnom karticom - za svaku kunu dobivate dvostruko više bodova! Akcija vrijedi i za plaćanja mobilnim novčanicima.

Limited offers and benefits

Zlatna rbica akcije i pogodnosti

Follow the Zlatna RBICA calendar and catch the best discounts and benefits with your personal RBA card! Find out more


  • Free membership

    Free membership

    Participation in the RBA Loyalty program is free of charge (no membership fee) and requires no additional paperwork.

  • Collecting points with all RBA cards

    Collecting points with all RBA cards

    You collect points with all RBA personal cards: both kuna and foreign currency credit and debit cards, and your additional cardholders also collect points for you.

  • The same value in kuna with all partners

    The same value in kuna with all partners

    Collected points have the same value in kuna at all points of sale of RBA program partners.

  • No paper vouchers

    No paper vouchers

    The Zlatna RBICA kuna amounts are transferred to you as the principal RBA credit card holder and you can use them with any of your RBA cards (credit or debit, with the exception of the foreign currency card)

  • Flexibility in spending

    Flexibility in spending

    Choose for yourself how much of the Zlatna RBICA kuna you want to spend and at which point of sale - you need not decide in advance, when exchanging the points for kuna, where and how much you will spend.

  • Zlatna RBICA kuna mounts are valid indefinitely

    Zlatna RBICA kuna mounts are valid indefinitely

    Any points collected are valid for 3 years (from the date of transaction in which they were collected). But once you exchange them for Zlatna RBICA kuna amounts, these are valid indefinitely.

How to use the program

  • Collecting points
    • 1 For every kuna spent with your RBA cards you collect points:
      • 0,8 points for POS credit card payments,
      • 0,2 points for POS debit card spending.
      For installment purchases with RBA cards you instantly get points for the entire transaction amount.

  • Exchanging points for kuna
    • 2 At your request, any points collected are converted into equivalent amount in kuna on your RBA card (Zlatna RBICA kuna amounts) according to this table:

      Collected points Zlatna RBICA kunas
      7.250 6,64 EUR/50,00 HRK
      14.500 13,27 EUR/100,00 HRK
      29.000 26,54 EUR/200,00 HRK
      43.500 39,82 EUR/300,00 HRK
      58.000 53,09 EUR/400,00 HRK
      72.500 66,36 EUR/500,00 HRK
      87.000 79,63 EUR/600,00 HRK
      101.500 92,91 EUR/700,00 HRK
      116.000 106,18 EUR/800,00 HRK
      130.500 119,45 EUR/900,00 HRK
      145.000 132,72 EUR/1.000,00 HRK


      See How to exchange points to Zlatna RBICA kunas!

  • Where to spend your kuna
    • 3 You can find the available Zlatna RBICA kuna amount in mojaRBA mobile banking or iDIREKT internets banking or by calling RBA INFO 072 62 62 62.
      You can spend your kunas in stores of RBA´s program partners using any of your RBA cards. 


Fixed exchange rate of conversion of the kuna to the euro: 1 euro = HRK 7.53450 is applied for the dual display of the amount of fees and other monetary presentations, taking into account the conversion and rounding rules in accordance with the Act on the Introduction of the Euro as the Official Currency in the Republic of Croatia.

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