Visa Business Revolving Card

  • Quick and efficient solution for carrying out your business plans
  • Credit availability at the right time, from 0 to 24h
  • Credit card related to a revolving loan
  • Flexibility in using and repaying the loan
  • Automatic collection of due debt
  • Simple and easy monitoring of operating costs through monthly statements
  • A corporate client may have a number of cards

Product description

Visa Business Revolving Card is meant for business people seeking to make their daily operations safer, simpler and more convenient. It may be issued to any legal entity with a head-office in Montenegro which can present evidence that it may settle all costs and obligations incurred by using the card in a due and timely manner. Only the legal entities that are clients of CKB may become users of these cards.

Visa Business Revolving credit card enables continuous crediting of your current operations under revolving principle, at the minimum monthly repayment percentage of only 10% (minimum EUR 10.00). The use of Visa Business Revolving Card is the right business decision since the money you spend within approved credit limit by using the card may be repaid over a longer period of time. Upon each credit repayment (minimum repayment or pre-payment), the card is replenished with the amount repaid, and the overall amount is again available to you.

Useful advice: Use Visa Business Revolving Card for purchase. The main purpose of this card is to pay for goods and services, and limits and fees are set in line with such purpose, meaning that there are additional fees for cash withdrawal. If the card is used at POS terminals, no transactional fee is charged.

Advantages of using Visa Business Revolving Card

  • Credit card is tied to a revolving credit
  • There is no need for you to come to the Bank to cover your monthly obligation of 10%, as this amount is collectedAUTOMATICALLYfrom your current account on the 1stworking day in a month
  • Simple and easy monitoring of operating costs:through monthly statements of transactions done and minimum amount due for payment, i.e. invoices that will arrive to your company address by mail
  • Simple settlement of all business expenses
  • You can pay for goods and services and withdraw cash in the country and abroad at all sales points bearing the sign of Visa
  • You can use the card on Internet
  • Number of card users is unlimited
  • You may have access to the available balance at your account at the CKB ATMs
  • You can buy mobile top-up for 067, 068 and 069 mobile network operators at the CKB ATMs
  • You can also buy mobile top-up for 067, 068 and 069 mobile network operatorsat the CKB POSs from authorized dealers
  • Less need to visit the Bank you may check the executed card transactions through electronic banking

Where to apply for Visa Business Revolving Card?

You may apply for the card in any business unit of Crnogorska Komercijalna Banka AD Podgorica throughout Montenegro. The card may be used on the same date when you receive it.


When you receive a card, you have to sign it. Unsigned card is considered invalid. Along with the card, the card user receives a secret identification number (hereinafter: PIN). The card user must keep the PIN confidential and must not disclose it to other persons or keep a written trace of it in order to eliminate the risk of any misuse. When entering your PIN at an ATM or POS terminal, observe the confidentiality. Check the transaction amount before signing the bill.

Reporting a card loss or theft

In case you lost a card or it was stolen from you, please contact the Bank Call Centre. The card will be automatically blocked as of the moment you contacted the Bank. If you fail to report the loss or theft, you will be held responsible for the entire debt.


If the card user believes that some costs do not belong to him/her or are incorrectly computed, he/she may address the Bank to complain about those by submitting bills and other documents that the Bank may require. Deadline for the submission of complaints is 72 h from the transaction date.

The Bank shall not be responsible for the quality and quantity of goods and/or services bought by the card. Complaints regarding the quality and quantity of goods and/or services should be resolved between the user and the sales point. Regardless of the complaint outcome, the user is obliged to settle the entire card debt.

If the Bank finds the complaint justified, it will credit the card account, and in case of unjustified complaint, the user will cover all the costs.


You can get more details about the product by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.