JPK Private Card

  • Opportunity for deferred payment for 30-60 days
  • Low costs of using the card
  • Opportunity to take additional cards for family members

Product description

You can get a JPK Private Card if you have a current account with CKB and regular monthly income (salary/pension). This is a credit card and the credit limit is maximum 30% of your income. The payment is postponed for 30-60 days. You can become a cardholder even you are not our client, if Jugopetrol guarantees for you.

Where to apply for JPK Private Card

JPK Private co-brand card is intended for all citizens of Montenegro who have a regular monthly income (salary or pension) received through their current account opened with CKB.

If you are not a client of CKB, you may be issued this card against the guarantee of Jugopetrol.

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 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.


Card Distribution DepartmentMore details about the product clients can get by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.