A card that turns every purchase into a predefined instalment repayment plan.
BBI Visa shopping card
A card that turns every purchase into instalments.
BBI Visa Shopping Card is a unique card on the domestic market that enables instalment payments at all Visa merchant locations in the country, abroad, and online. Every purchase is automatically divided into a predefined number of instalments, with a predefined and fixed profit margin.
Instalment Purchases Without Additional Arrangements
Every purchase is automatically divided into instalments without the need for special arrangements with the merchant.
Early Settlement Option
By settling the outstanding amount before maturity, you may receive a discount on the profit margin of up to 90%.
No Risk of Over-Indebtedness
The card is designed so that the cardholder cannot take on obligations exceeding the pre-approved limit.
Repayment Period of up to 36 Months
Higher purchase amounts are automatically distributed over a longer repayment period of up to 36 monthly instalments.
Fixed and Predefined Profit Margin
The transaction cost is known in advance and does not change during the repayment period.
Global Acceptance
Use the card wherever Visa is accepted – domestically and internationally, without restrictions.
Card Features
Purchases are automatically divided into 6, 12, 24, or 36 instalments, depending on the transaction amount.
A credit limit ranging from BAM 500 to BAM 10,000 is approved based on the assessment of creditworthiness.
The card can be used at all Visa POS terminals and online merchant locations.
Monitoring of spending and available limit is available through mBBI and eBBI services.
How to Apply?
01
Submit an Application
An application for the BBI Visa Shopping Card can be submitted online or at the nearest Bank branch.
02
Submit Documentation
The required documentation must be submitted so that the Bank can assess creditworthiness and determine the available card limit.
03
Approval and Card Issuance
The Bank assesses the application and makes a decision on card issuance in accordance with its internal criteria. After approval and card production, the customer receives a notification and collects the card at the branch.
04
Collection and Activation
The customer collects the card and activates it for use. The card is activated upon the first ATM transaction or first purchase and is ready for use.
| AMOUNTS OF TRANSACTIONS / PURCHASES | NUMBER OF MONTHLY INSTALLMENTS | ONE-TIME PROFIT MARGIN (calculated on the amount of the transaction) |
od 0 KM do 199,99 KM | 6 | 6% |
od 200 KM do 999,99 KM | 12 | 8% |
od 1.000 KM do 1.999,99 KM | 24 | 13% |
od 2.000 KM do 10.000,00 KM | 36 | 19% |
Learn More Frequently Asked Questions
Find about more about BBI Visa shopping card
Required Documentation?
If you wish to become a BBI Visa Shopping Card holder, apply at the nearest branch/office with the following documentation:
- Completed and signed Shopping Card Application Form
- Application form certified by the Employer
- Copy of CIPS residence certificate
- Certified copy of ID card
- Three most recent payslips certified and signed by the Head of Accounting
- Current account statement for the previous three months
- M2 form (pension insurance registration), salary specification certified by the Tax Authority for the previous three months, for employees of sole proprietorships and limited liability companies (STR, SUR, SZR and LLCs)
- Certified Statement of Seizure by Consent of the Debtor (two copies) – upon card approval
- Promissory Note (two copies) – upon card approval
- If the applicant has a guarantor, the guarantor must submit the same documentation as the Shopping Card holder
The Bank makes the final decision on the approval of the Shopping Card and reserves the right to request additional documentation if deemed necessary.
