Mastercard Platinum

Promotional 4.9% interest rate until the end of the year for all applications received by 30.09.2026

Interest rates

• 8.55% variable for clients with salary/pension at SB

• 9.50% variable for other customers

• 0% interest for interest-free installment transactions with SB trading partners

• Interest is calculated only on the amount used

• Refinancing of credit card debt and credit cards from other banks is done at the specified interest rates depending on the client's category.

Membership fee

• Free for the first year

• Free for all SB Exclusive clients

• 0 denars membership fee

  • with a turnover of 90,000 denars in trade during one year

  • Beneficiary of a housing loan or loan with collateral from SB

  • The card is issued based on a deposit pledge.

• 395 denars membership fee for clients who receive a pension at SB and users of the service for delivery of monthly card statements via e-mail

• 595 denars membership fee for clients who receive a pension from SB and receive monthly card statements by mail

• 695 denars membership fee for clients who receive or do not receive their salary at SB and are users of the service for delivery of monthly card statements via e-mail

• 895 denars membership fee for clients who receive or do not receive their salary at SB and receive monthly card statements by mail

• If the client has been more than 60 days late in paying the monthly minimum obligations during the last 12 months, he is not entitled to the above-mentioned discounts and the Bank will charge the full amount of 1,500 denars annual membership fee.

• No cost for making an additional card.

Commissions and other fees

• For cash withdrawals from SB ATMs, the denar account is debited for 2.5% but not less than 250 MKD of the transaction amount,

• For cash withdrawals at an SB counter, the denar account is debited for 2.5% but not less than 250 MKD of the transaction amount,

• For cash withdrawals from ATMs and counters of other banks in the Republic of North Macedonia and abroad, the denar account is debited with a commission of 250 MKD + 2.5% of the withdrawn amount,

• Issuing a new PIN costs 200 MKD,

• The cost of reissuing a card due to theft, loss, damage or change of data is 350 MKD.

Frequently Asked Questions

How can I access the lounge at the airport?

There are two ways to access the salons. Firstly, you can simply show your Mastercard Platinum card to the salon staff. Alternatively, you can show your digital salon access code, available after registering on the website or the "LoungeKey" mobile app.

Can I access the lounges without registering on LoungeKey?

Yes. You can access the lounge at the airport simply by showing your Mastercard Platinum payment card to the lounge staff, some lounges may also ask you to present your flight ticket.

I used my free entrances to the airport lounges, will I get new ones?

Yes, if you have used your free entries, they will be renewed in the new calendar year. If you exceed the number of free entries, each entry will be charged to your account.

Can a companion travel with me to the lounge areas?

Yes, guests can access with you, which will reduce your number of remaining free accesses to the lounges accordingly.

I have an additional card. Can I use it to access the lounges at the airport?

Yes, you can access the lounges with your additional Mastercard Platinum card, so the free entrances are shared. Each entry with either the primary or additional card is deducted from the total number of free entrances allowed on your account.

I can't find a lounge at my airport. Why not?

Not all airports have a lounge. Please use the website or mobile app "LoungeKey" to search and find a lounge, if one exists in your location.

I was denied access to the lounge because the lounge system did not recognize my Mastercard Platinum card. Why did it not recognize the Mastercard Platinum?

This may happen to you if you are trying to enter a business zone that is not in the LoungeKey program, make sure via the LoungeKey app or website that the salon you want to access is part of the program.

How long can I stay in a lounge?

Each salon has its own policies regarding length of stay. Please check the salon information on the website or the "LoungeKey" app to confirm each individual salon's policies and conditions.

According to the regulation on strengthened customer authentication when performing contactless card-based payment transactions, PIN code authentication is mandatory in the following cases:

• If the card has made 5 consecutive contactless transactions at a POS terminal without a PIN (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN by the client. Otherwise, it will be rejected.

• If the total accumulated amount of all contactless transactions at the POS exceeds 9,000 denars (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN, regardless of the transaction amount. Otherwise, it will be rejected.

• If the individual amount of a contactless payment transaction at a POS terminal exceeds 3,000 denars, it must be authenticated with a PIN. Otherwise, it will be rejected,

• When paying with Google Pay, it is not necessary to enter a PIN code at a POS terminal, but it is mandatory for the mobile device to be unlocked in order to make the payment, regardless of the transaction amount.

• When paying with Apple Pay, it is not necessary to enter a PIN code at a POS terminal, but authentication with Face ID, Touch ID, or your device's password is mandatory, regardless of the transaction amount.

Frequently Asked Questions

How can I access the lounge at the airport?

There are two ways to access the salons. Firstly, you can simply show your Mastercard Platinum card to the salon staff. Alternatively, you can show your digital salon access code, available after registering on the website or the "LoungeKey" mobile app.

Can I access the lounges without registering on LoungeKey?

Yes. You can access the lounge at the airport simply by showing your Mastercard Platinum payment card to the lounge staff, some lounges may also ask you to present your flight ticket.

I used my free entrances to the airport lounges, will I get new ones?

Yes, if you have used your free entries, they will be renewed in the new calendar year. If you exceed the number of free entries, each entry will be charged to your account.

Can a companion travel with me to the lounge areas?

Yes, guests can access with you, which will reduce your number of remaining free accesses to the lounges accordingly.

I have an additional card. Can I use it to access the lounges at the airport?

Yes, you can access the lounges with your additional Mastercard Platinum card, so the free entrances are shared. Each entry with either the primary or additional card is deducted from the total number of free entrances allowed on your account.

I can't find a lounge at my airport. Why not?

Not all airports have a lounge. Please use the website or mobile app "LoungeKey" to search and find a lounge, if one exists in your location.

I was denied access to the lounge because the lounge system did not recognize my Mastercard Platinum card. Why did it not recognize the Mastercard Platinum?

This may happen to you if you are trying to enter a business zone that is not in the LoungeKey program, make sure via the LoungeKey app or website that the salon you want to access is part of the program.

How long can I stay in a lounge?

Each salon has its own policies regarding length of stay. Please check the salon information on the website or the "LoungeKey" app to confirm each individual salon's policies and conditions.

Credit criteria

• Individual citizens of the Republic of North Macedonia

• Age of the beneficiary - from 20 to 67 years old on the day of application

• Minimum income of 40,000 denars

Required documents

• Personally completed and signed application for a Mastercard Platinum credit card

• Valid ID card or passport

• For clients who receive salary/pension through SB

  • bank statement from the last 6 months

• For clients who do not receive a salary/pension

  • Confirmation of regular employment no older than 30 days, certified and signed by authorized persons at the employer

  • If necessary, other documentation for proof of the amount of monthly income

Frequently Asked Questions

How can I access the lounge at the airport?

There are two ways to access the salons. Firstly, you can simply show your Mastercard Platinum card to the salon staff. Alternatively, you can show your digital salon access code, available after registering on the website or the "LoungeKey" mobile app.

Can I access the lounges without registering on LoungeKey?

Yes. You can access the lounge at the airport simply by showing your Mastercard Platinum payment card to the lounge staff, some lounges may also ask you to present your flight ticket.

I used my free entrances to the airport lounges, will I get new ones?

Yes, if you have used your free entries, they will be renewed in the new calendar year. If you exceed the number of free entries, each entry will be charged to your account.

Can a companion travel with me to the lounge areas?

Yes, guests can access with you, which will reduce your number of remaining free accesses to the lounges accordingly.

I have an additional card. Can I use it to access the lounges at the airport?

Yes, you can access the lounges with your additional Mastercard Platinum card, so the free entrances are shared. Each entry with either the primary or additional card is deducted from the total number of free entrances allowed on your account.

I can't find a lounge at my airport. Why not?

Not all airports have a lounge. Please use the website or mobile app "LoungeKey" to search and find a lounge, if one exists in your location.

I was denied access to the lounge because the lounge system did not recognize my Mastercard Platinum card. Why did it not recognize the Mastercard Platinum?

This may happen to you if you are trying to enter a business zone that is not in the LoungeKey program, make sure via the LoungeKey app or website that the salon you want to access is part of the program.

How long can I stay in a lounge?

Each salon has its own policies regarding length of stay. Please check the salon information on the website or the "LoungeKey" app to confirm each individual salon's policies and conditions.