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The process of arranging and signing up for your card is now fully digital!

For all m-zaba users, arranging and signing up for one of these cards is simple and easy, no need to visit a branch office.*



Standard Mastercard credit card

REPAYMENT
You will repay your monthly costs with a single payment at your desired date, with no interest.

PAYING IN INSTALMENTS
Up to 36 instalments with no interest or fees at point of sale or subsequently splitting up the transaction in m-zaba, with a fee.

FEES
Until 31.12.2025. without registration or membership fee for the first year of use.
Sign-up fee: EUR 13.27
Annual membership fee: EUR 19.91
Lower fees for service package users

BENEFITS
Discounts for payments made using the card. Members of the MultiPlusCard program get prize points every time they make a payment using the card.

MasterCard Platinum credit card

REPAYMENT
You will repay your monthly costs with a single payment at your desired date, with no interest.

PAYING IN INSTALMENTS
Up to 36 instalments with no interest or fees at point of sale or subsequently splitting up the transaction in m-zaba, with a fee.

FEES
Sign-up fee: EUR 0.00
Annual membership fee: EUR 66.36
Lower fees for service package users

BENEFITS
Discounts for payments made using the card. Members of the MultiPlusCard program earn reward points every time they make a payment using the card.

TRAVELLING
Access to selected airport lounges around the world free of charge.

go!card Mastercard revolving kreditna kartica**

REPAYMENT
Expenses charged to your revolving card are repaid in 36 instalments, with interest. The single payment option for the full cost is available, with no interest.

PAYING IN INSTALMENTS
No fees or interest at designated points of sale in Croatia.

FEES
Sign-up fee: EUR 0.00
Annual membership fee: EUR 0.00

BENEFITS
Discounts for payments made using the card. Members of the MultiPlusCard program earn reward points every time they make a payment using the card.



If you do not have m-zaba online banking, schedule a meeting at the branch office


m-zaba, the app that gives you control over your finances and provides an overview of transactions for all of your cards.

Options available with m-zaba: pay your bills, get a cash loan or the Mastercard Standard, Platinum or go!card credit card through a fully digital process, without having to visit a branch office.



I WANT M-ZABA


*Note: The procedure through m-zaba is available to clients with exemplary business relationship who receive income to a Zaba account. Clients who will be required to provide proof of income or have employment status that will render them ineligible for the m-zaba procedure will be redirected to a branch office. To arrange your Mastercard Student credit card, visit the nearest Zagrebačka banka branch office.   

**Representative example: with a fixed interest rate of 6.79% annually, the arranged repayment method of 36 instalments and no loan processing fees, the effective interest rate for the approved revolving loan of EUR 700 is 7.02%.  The monthly repayment ranges from EUR 19.55 to 23.48, with the amount you will pay totalling EUR 773.37.