American Express® Blue card

American Express Blue card

Step into the future.

Step into the future with American Express Blue card!
Different, recognizable, attractively designed! Simply – a card that can’t compare!
The blue, modern, transparent plastic card can be used in 200 countries worldwide, at millions of points of sale and ATMs, as well as in more than 2,200 American Express travel agencies worldwide.
You can apply for a card in more than 220 branch offices of Banca Intesa in Serbia; all you have to bring with you is your identity card.
Enjoy the incomparable advantages of this card!


  • Deferred payment of up to 45 days without interest
  • Transfer and repayment of credit-card debts with another bank without any additional costs
  • Flexible repayment
  • Payment in installments without interest

Revolving loan

With American Express you can pay for goods in services in installments or withdraw cash in the country and abroad. This card represents a universal loan, consumer and cash loan. It functions in accordance with principle of revolving loan, which implies that you repay minimum 5% of the total amount spent in the previous period, whereas interest shall be calculated on the remaining amount. The minimum of 5 % is calculated for purchase transactions at points of sale and cash withdrawal on ATM machines, whereas membership fee, interest, other fees, installments, as well as the fee for cash withdrawal on ATM machines are fully calculated on monthly invoice. Fixed interest rate in the amount of 18,43% annually (effective annual interest rate of 19,18%) is calculated on the amount of debt in RSD, and fixed interest rate in the amount of 12,60% annually (effective annual interest rate of 13,33%) is calculated on the amount of debt in EUR. Interest is calculated by applying the compound method. Spending in the country is calculated in RSD, and spending abroad is calculated in EUR. Deadline for settlement of minimum monthly liability is the 15th day in a month. You can settle your liabilities through Banca Intesa Online Service, Intesa Mobi Service, standing order, payment at Banca Intesa branch office or branch offices of other banks and post office. If you want, you can pay an amount that is higher than the amount of minimum monthly liability or settle the debt in full.

Example of calculation of minimum monthly liability:

Transaction Amount in RSD
1. Purchase through POS terminal10.000,00
2. ATM cash withdrawal5.000,00
3. Purchase in installments (6,000 in 3 installments)2.000,00
4. Membership fee 150,00
5. Fee for cash withdrawal 150,00
6. Interest300,00
Total liability17.600,00
Monthly liability (5% on items 1+2)+3+4+5+63.350,00

Payment in 3-12 equal monthly installments interest-free

From now, you can use your American Express card to pay in installments at over 2,500 points of sale around the country.
Look for the sticker “Payment in installments with Banca Intesa cards“ displayed at points of sale and negotiate with the seller the number of installments which, depending on the trade and amount of transaction, can be between 3 and 12.
The first installment falls due for payment in full amount immediately with the subsequent monthly account statement and is fully interest free. All subsequent installments shall fall due in full amount through account statement, the number of months depends on the number of installments and, we will be notifying you on the number of remaining installments through monthly statements until the final repayment.
More detailed information on points of sale where you can pay in installments with your American Express card can be found at:, section Retail, Payment Cards, Payment in Installments.

Blue payment flexibility

With American Express Blue card you can pay in installments for goods and services or withdraw cash in the country and abroad. This card functions in accordance with principle of revolving loan, which implies that you repay minimum 5% of the total amount spent in the previous period, whereas interest shall be calculated on the remaining amount. Liabilities from the previous period are paid by the 15th day of a month, which enables deferred payment of up to 45 days interest-free. You have the possibility to pay the amount higher than the minimum amount, or to settle entire debt from the previous period, in which case interest shall not be calculated.


Discover the world of benefits, discounts and allowances selected for you by American Express. Selects Program can be used around the world on several thousand points of sale: in restaurants, hotels, spa centers, rent-a-car agencies and tourist agencies.
Detailed list of global offers can be found at:

A representative example

Loan typeRevolving credit card – American Express Blue
Loan currencyEUR
Criteria for indexingIn RSD equivalent value at middle exchange rate of the NBS
Loan amount5.000 EUR
Repayment period 36 months
Amount of first installment* 28.149,48 RSD
if the entire limit was spent in RSD

250,00 EUR i 150,00 RSD
if the entire limit was spent in EUR

Interest rate
• 18,43% for spending in RSD, fixed
• 12,60% for spending in EUR, fixed
Effective annual interest rate • 19,18% for spending in RSD
• 13,33% for spending in EUR
Costs payable by the user, are known at the moment of announcement and are included in calculation of effective interest rate
Annual membership fee1.800 RSD
2 promissory notes

Credit Bureau expenses

100 RSD

246 RSD

(*) the amount of every subsequent installment is 5 % of the remaining debt, whereby interest, fees and transactions in installments fall due in full amount.

Other calculations with this product can be taken over at any branch office of the Bank

Annual membership fee for Banca Intesa American Express Blue credit card is RSD 1,800 for the main card, and RSD 900 for additional card. The membership fee is paid in 12 monthly installments. Other fees related to this card can be found on website of Banca Intesa within Bank’s Tariffs.

24 hours a day, through the Banca Intesa Online System, you can:

  • Follow the turnover and the available funds on your credit card,
  • See your yet-undue liabilities,
  • Check the general data on the card,
  • Pay monthly card-related bills without going to the bank,
  • Take over a review of your spending in the previous month,
  • Print out your monthly statement
  • Apply for your American Express card (online request, pdf request).

Application Requirements