Become a user of the new T American Express credit card and save up to 1080 HRK annually (up to 90 HRK monthly) on T-Com and T-Mobile accounts.

• No registration fee
• No membership fee for the first year
• The most favorable revolving credit interest rate in the market – only 5% during the first 6 months of using the card, if your admission form arrives by March 1, 2006.

Benefits for T-Mobile users

• For activating the Card – T-Mobile subscribers can use the money bundle* of 15 HRK monthly during the first year of using the card.
• For standing order activation – users who pay their monthly T-Mobile subscriber accounts with a standing order get an additional money bundle* of 15 HRK monthly plus double their +club points during the first year of using the Card.
  * The Money Bundle can be applied to your T-Mobile home telephone calls, or to SMS, MMS, and GPRS Free surf activities (other services are not included).
• Simpa users will get 10 HRK monthly subtracted from their Simpa account during the first 6 months of using their Card, and
• The bonuses earned by Simpa users who are also members of the T-Mobile +Club will be increased by 50% during the first 6 months of using their card.

Benefits for T-Com users

• For activating the Card – users will receive a 10 HRK discount* on their T-Com monthly accounts for home telephone usage during the first year of using their Card.
• For standing order activation – an additional 10 HRK discount* will be deducted from their T-Com monthly account for home telephone usage during the first year of using their Card.
  * The discount applies only to national calls, Internet traffic and SMS traffic in the T-Com HR fixed network

Benefits for MAXadsl users

• For activating the Card – a one block* monthly discount off the cost of your MAXadsl Internet traffic during the first year of using the Card.
• For standing order activation – an additional one block* monthly discount off the cost of your MAXadsl Internet traffic monthly during the first year of using the Card
  * According to the T-Com MAXadsl price list currently in force, the price for one block of Internet traffic is 20 HRK. However,  users of the Start package are entitled to the free additional block of traffic only after using, and paying for, the MAXadsl initial block of traffic.
  Any discounts applied to T-Com HR Fixed Network services, or discounts for additional MAXadsl traffic blocks on adsl accounts, relate only to the traffic realized in one billing period and may not be carried forward to the succeeding accounting periods. A discount for fixed network service is applied to the telephone number specified in the admission form, and for MAXadsl service, it is applied to the account using the username specified in the admission form.

Retaining Card benefits after the first year of using the Card

After the first year, you will retain the benefits for Card activation (the additional money bundle of 15 HRK monthly for the mobile phone, and/or a 10 HRK discount on your T-Com monthly bill for home telephone usage, and/or one additional MAXadsl block of traffic for adsl service) if you use at least two services (mobile phone and fixed phone or fixed phone and MAXadsl Internet) and if your annual charges to your T American Express credit card reach or exceed 15.000 HRK. The calculation of user spending for the old T-Mobile American Express card began on November 9th, 2005.

Your benefits will be activated on your second bill after the approval of your Card, at the latest. All prices include the VAT.

Privredna banka Zagreb revolving credit

• Credit Limit from 6000 to 60000 HRK, depending on your income and credit risk assessment.
• Interest is calculated on actual charges, and on your credit limit. There is no interest entry for the principal of the unused part of your credit limit. Your interest rate depends on the credit limit:
  Credit limit from 6000 to 18499 HRK – interest rate: 13,98%
  Credit limit from 18500 to 44999 HRK – interest rate: 11,98%
  Credit limit from 45000 to 60000 HRK – interest rate: 9,98%
  effective interest rate/real annual interest rate from 10,63% to 15,18%
• PBZ (Privredna banka Zagreb) will make out your monthly bills in the amount of 5% (minimum of 130 HRK) of the utilized part of your revolving credit limit. The amount of cash drawn, fees (including membership fees), and interest do not reduce the available amount of the revolving credit and are due for full payment with the first subsequent bill.
• You may choose to pay the minimal credit charge (130 HRK or 5%, whichever is larger), a larger amount of it, or the entire balance. If you settle your account fully, the interest on charges made from the date of the last bill will not be added to your subsequent bill.

Financial benefits

• The ability to withdraw cash from more than 600000 cash machines in Croatia and abroad
• Selection of the billing date
• Bills become due 15 days after date of billing

Security

• Protection in the case of loss or theft; your liability is limited to €100
• Guaranteed safe online purchasing
• In the case of loss, free card replacement within 24 hours
• Life and casualty insurance benefits
• Global Assist – Assistance during world travel

Other additional services

• User services available 24 hours a day, 365 days a year
• Delivery of bills via SMS or e-mail
• Membership Rewards Program
• My Account – Free online and electronic account services
• Business Travel Services – Service for organizing business trips
• Promotional benefits on selected points of sale

How to become a T American Express credit card user?

The admission form is available in T-Mobile shops and T-Centars, at indirect sellers, and in all Privredna banka Zagreb sub-branches.

You can obtain all information on the new Card, including its benefits and discounts, at www.americanexpress.hr, at T-Mobile and T-Com points of sale, in PBZ sub-branches or call toll-free to 0800 3775 50.