Erste Bank Serbia review

The dinar current account behind the card charges a monthly fee of RSD 290. That is the running cost of keeping the account open, separate from anything you spend. Many cards in this comparison charge nothing, so check whether the rebate offsets the fee for you.

It is a debit card. The card type is debit, so purchases draw on the money in the account rather than a credit line. You do not need a credit check to use it, and you cannot carry a balance the way a credit card allows.

Spending earns cashback of 5% on the current account. It applies to everyday transactions rather than as a one-off welcome offer. Because it is a debit card, the rebate arrives after you spend rather than as credit up front.

The card runs on the Visa network, which is the most widely used network on this comparison. That acceptance means it should work in most other countries. Spending abroad will still be converted at the card scheme's exchange rate.

Support runs on phone and chat. That means you reach a person by phone or through live chat. If a card is blocked or a payment looks wrong, the phone line is the quickest route.

The card is a Visa debit card, so it works at cash machines that accept Visa. Withdrawals come straight from the balance in the dinar current account, so the same monthly fee of RSD 290 and the cashback of 5% still apply to your account overall.

It suits Serbian residents who bank in dinar and want routine spending to earn cashback of 5% on a card that is accepted widely. It is a good fit for people who want a debit card rather than a revolving credit card, and who are comfortable with the monthly fee of RSD 290.

Yes. Wise charges a monthly fee of £0 and Chime charges $0, both below the RSD 290 here. The trade-off is that this card pays cashback of 5% on spending, which those two do not.