Comfort Card - Credit Card

What does the Comfort Card enable?

Enables the purchase of products and services with interest-free installments up to 36 months, at all POS terminals of NLB Banka;
Enables the purchase of products and services without installments, with a grace period of up to 45 days at NLB Banka POS terminals as well as at all POS terminals of other Banks inside and outside Kosovo that have the Master sign;
Enables the withdrawal of cash at ATMs of NLB Banka and ATMs of other Banks inside and outside Kosovo that have the Master sign;
Enables the purchase of products and services through the Internet;
Payment at POS without contact (CONTACTLESS) up to the amount of €40 without the need to provide a PIN.

Purchase of products in installments

Checking the balance of the card through ATMs;
Low fees for services within the NLB group;

Purchase of products without installments (Revolving)

If you use the Comfort Card for POS purchases in installments and pay the installment(s) reached within the deadline, then you will not pay interest.

The determination of the number of installments is made by the card holder himself when paying at NLB Bank's POS, depending on the Bank's agreement with the merchant.

Other ways of using the Comfort Card

If you use the Comfort Card for purchases at the POS without installments or online and pay only 5% of the total debt within the term, then regular interest will be applied on the remaining and unpaid debt. If you use the Comfort Card for POS purchases without installments and pay the total debt in full within the deadline, then no interest is applied.

What is the minimum payment?

If you use the Comfort Card to withdraw cash from the ATM, regular interest will be applied from the date of withdrawal. For each purchase you made with the Comfort Card, the Bank will calculate the debt on the 1st of the following month, while the deadline for debt repayment is the 15th of that month.

Download Information for MasterCard without interest

The minimum payment is the debt that you must pay by the 15th of the following month and includes:

Installment/s achieved and/or
5% of debt used as Revolving.

The bank automatically realizes the payment of the debt reached by transferring the funds from the client's account to the client's credit card account. If the customer wants to pay much more than the minimum monthly payment, he can do so at the Bank's counters or through e-click.