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Starcard — One card, lots of benefits

StarCard is the product that has truly revolutionized consumer spending in Kosovo. This credit card offers a range of financial options for their purchases.

Starcard is placed on the market by carefully analyzing customer needs for this type of revolving credit card. The Starcard platform represents a beneficial situation for all parties involved. Starcard is the first installments based credit card in Kosovo, which gives its holder a bonus for each transaction made in the TEB merchants network in Kosovo. All the above card features are highly appreciated in the market.

With the Starcard you can pay up to 24 installments with 0% interest on all points of sale equipped with TEB Bank POS terminals (number of installments depends on the merchant agreement).
In addition, you can make payments anywhere in the world where VISA/MasterCard brand is accepted.
How to obtain a Starcard?

Required documents for credit card application:

  • Valid identification document (ID, passport or driving license).
  • Employment contract.
  • Bank statement proving regular salary incomes (if the client receives the incomes in another Bank).
  • Electricity, water or telephone bill (with residential address).

Starcard features:

  • Starpoints (Bonus)
  • Installment payments
  • International payments
  • Starcash
  • Campaigns

When using the Starcard in TEB Bank POS terminals, you will gain Starpoints, depending on the agreement with the merchant, the more Starcard purchases, the more starpoints you will earn.

1 Starpoint equals 1€ .
You may use the earned Starpoints to purchase in the TEB Bank POS terminals.
Installment payments:
You may divide your Starcard purchases at TEB Bank POS terminals, in up to 24 installments with 0% TEB interest (number of installments depends on the merchant agreement) ..
Example: If you purchased a TV in the amount of 500 € and divided the purchase into 5 installments, then you are obliged to pay 100 € each month for that purchase.
International payments:
You can use Starcard to make purchases anywhere in the world in POS terminals or through the Internet, all at 0% charge.
In addition, you now have the opportunity to make purchases with up to 3 installments in POS terminals abroad or online. You can apply for this service at the nearest TEB Bank branch. Please click here for more information about this service.

Starcard allows you to withdraw cash in up to 12 installments through the TEB Bank ATM’s throughout Kosovo.
To obtain more details about the fees that apply for this service click here.

Throughout the year, TEB bank organizes many campaigns to offer special offers to Starcard customers, where customers can benefit from: extra bonus, extra installments, various sweepstakes, deferred installments, etc.
To receive information about campaigns through SMS and e-mail newsletter, you must provide your consent to receive promotional offers.
In addition, you can also follow all new notifications in our Facebook Starcard (with link).
Click here to view past campaigns.

And there is more…
You can use your Starcard to pay utility bills , such as electricity, telephone, water and even the vehicle registration - you may pay all these in up to 3 installments.
Repayment is just as easy and flexible. You can repay the full amount spent during the entire month or you can repay the minimum amount of that month’s balance and carry forward the remaining debt to the following month. Your repayments are debited from your current account automatically on the 15th or 30th of the month, depending on which date you have decided.
Now you can also repay your debt through depositing funds or bank transfer through the TEB Bank ATM’s.
For better management of your StarCard, we recommend the use of e-Banking or TebMobile through which you can monitor and repay the debt at any time of the month. For all Starcard services, you may contact our Call Center at 038 / 230-000 where, over the phone, you can also authorize repayment whenever you wish to do so.



What does interest-free installment mean?

Interest-free Installments is a unique StarCard feature through which you can purchase products and services in installments without being charged interest and you can determine the number of installments you pay yourself.

For example:
Imagine you are purchasing a Plasma TV for €1,000. If you use your StarCard, you can purchase the TV and spread the €1,000 purchase price over 10 monthly installments; each month you pay €100 with no interest. So the cost of your new TV is the same as if you paid for it in full on purchase. In addition, you will earn Starpoints on the purchase.

How do I benefit from interest-free installment payments using my StarCard?

Because you pay no interest on the portion of your credit card limit that you have used, you increase your purchasing power because you are spending only €100 per month instead of €1,000 in one payment.

Does this mean that the card requires no interest at all?

No. If payment is not made by the due date for payment of the statement for the specified month as per contract on the 1st or 15th then regular interest shall apply.

When is interest accrued?

Interest begins to accrue after the last due date for payment, which is date 1 (cycle 02) or 15 (cycle 01) of the month, depending on prior agreement made between you and the bank (card cycle).

This cycle is selected by you when applying for the card. The cycle is selected according to your preference, depending on which day of the month you can cover the costs incurred earlier.

If you chose cycle 01 then the interest is accrued only after the 15th of the following month, and only if you do not pay the full used amount. Interest is accrued only on the amount outstanding.

If you chose cycle 02 then the interest is accrued only after the 1st of the following month unless you have fully paid the used amount. Interest is accrued only on the amount outstanding.

An example:
If you chose cycle 01, then if you have used your card during August, the interest-free payment period will be up to the 15th of September.

If you chose cycle 02, then you will be able to pay interest-free for all purchases you make by card after the 15th of August until the 30th of September.

Installment purchases will be charged to your card based on your chosen plan when you make your purchase. You will only be charged one installment each month.

If on the payment day you pay the minimum part of the amount you have spent at your requested 15% minimum, then the regular interest shall be applied.

If no amounts are paid on the set day and there are no funds in your account to cover the minimum agreed amount, then the regular interest shall be applied.

How do starpoints (bonus) work?

For each payment made by StarCard you will earn bonus Starpoints at the value of 0.5, 1, 2 and up to 8% of the purchase. This bonus is collected in your card. The bonus can be used to pay at any merchant where TEB POS is installed. The balance of your bonus Starpoints is included in your StarCard Balance Statement so you can see exactly how many Starpoints you have to spend. You can also check your Starpoint balance at points of sale (POS). Each star point is equal to €1. At TEB, we also work with merchants special offers that will earn you additional bonus points.

How can I buy with StarCard outside of Kosovo?

StarCard enables you to buy products and services outside of Kosovo and you do not pay interest on those purchases. However, you do not earn Starpoints on international purchases and the installment plan is not available for items you buy abroad.

Can I pay for single transactions at other, non-TEB POSs in Kosovo?

Payment terms for using StarCard at other, non-TEB points of sale, are different. If you pay with StarCard outside the TEB POS network, then you will receive no bonus and will not be able to make payments in installments. If you use your Visa card outside TEB ATM or POS, additional fees shall be applied.

Can I withdraw cash from ATMs?

A credit card is a product developed and designed for purchases and cash withdrawals. Cash can be withdrawn from ATMs using your Starcard.

If you use StarCard to withdraw cash, check our Price List.

Whenever you will perform cash Withdrawal option at TEB ATMs, and if you choose option STARCASH, you may divide amount withdrawn up to 12 Installment.

For each withdrawal basic interest shall be applied.

For each withdrawal, interest is accrued from the date of withdrawal until date of payment.

Cash can only be withdrawn up to 50% of the card limit.

Maximum Daily withdrawal limit is €500.

When using a VISA/MasterCard Credit Card in countries with a national currency other than euros, the exchange rates of VISA/MasterCard and/or TEB are applied.

What is a Supplementary Card?

A Supplementary Card refers to a standard card that TEB issues at the request of a customer who already holds a StarCard. The supplementary card shares the customer’s card limit and a specific limit can also be set on the supplementary card.

For example:
If as a StarCard customer you have a €1,000 limit on your card, you can ask us to make a supplementary card for a family member (+18 Years Old) with, for example, a €300 limit (in other words, 30% of your own credit card limit).

If the supplementary card holder spends €200 using the card, then your limit becomes €800 for the month in which the purchases are made. If the supplementary card holder does not use the card to make purchases in any given month, then your limit remains €1,000.

How can I pay StarCard amounts due?

Your monthly installments are shown in the card balance report, which is sent to you by regular mail or by email, depending on your personal preference. The balance report is sent between the 1st and 5th of each month for cycle 01 and between the 15th and 20th for cycle 02.

Payments can be made in several ways.

Direct payment at one of the TEB branches: The amount outstanding based on the card balance report can be paid in cash or through your TEB bank account.

Please note:
If you chose cycle 01 and wish to make payments through your current account, then you must make sure that you have sufficient funds in the account on the 15th; if you chose cycle 02, then you must make sure you have sufficient funds in your current account on the 1st.

Automatic Payment:

Payment of the outstanding amount may be automated through your TEB current account.

Automated minimum payment:

Minimum payment (at least 15% of the debt) is automatically paid from your TEB current account. The outstanding part of the unpaid amount may be paid at a later date of your choice.

This amount is subject to basic interest.

If the minimum payment is not paid within the next 21 days, then the card will be blocked.

Payments via e-banking

An additional way to pay for StarCard expenses is through e-banking. TEB e-banking is an advanced and secure service. In order to make payments through e-banking, you should register for this service at your branch. Payment of StarCard can be made with only five clicks via TEB e-banking, which you can access from the TEB website, www.teb-kos.com.

Through this service, you may also pay for someone else’s StarCard and view all information regarding your expenses.

Pay your Credit Card, Starcard debt at TEB Bank ATMs

At times of social distancing, where the presence in the branches continues to be limited due to the decisions of state institutions, we invite our clients to make Credit Card, Starcard debt payments through ATMs of TEB Bank Sh.A. (click here for ATMs map throughout Kosovo).

You can pay your Starcard debt at ATMs (that accept cash deposits) directly by depositing cash or through transfer from your current account with Credit Card or Debit Card.

Credit Card (starcard) debt payment

You can pay your debt with your Credit Card (Starcard) at ATM in two ways:

- by depositing funds (in ATMs that accept depositing funds), by inserting the Starcard in an ATM and selecting ‘Pay debt of your card or any other Starcard’ (in this case the client must have the other card’s number),

-  from funds in current account with transfer to Credit Card.

The person holding the supplementary card (Starcard) can make his / her payment by depositing funds (at ATMs that accept depositing funds).

Debit Card debt payment (current account)

You can pay your Credit Card (Starcard) debt with your Debit Card at ATM in two ways:

- from funds in current account with transfer to Credit Card,

- by depositing funds (at ATMs that accept depositing funds).

The same payment options apply for performing Credit Card debt payments of another person through Debit Card. In this case the client must have the other card’s number.

Credit Card debt payment through ATM with Debit Card will enable the clients to perform their services more efficiently, without visiting the branch, and in case you have only the Debit Card with you.

How do I keep track of my StarCard spending and due date payments?

Every month you will receive your Credit Card Statement. This statement is sent to you by us either by regular mail or by email. It provides a lot of information, including
You can pay your Starcard debt at ATMs (that accept cash deposits) directly by depositing cash or through transfer from your current account with Credit Card (Starcard) your name, address, your credit card number, the period concerned, the amount that has been spent using the card or withdrawn as cash, where and when each transaction took place, how much interest has been accrued and a range of other relevant information. You will find records of any charges, commissions, other credits and debits, and the amount of your outstanding debt and interest from previous periods. Your statement further includes the pre-agreed monthly minimum amount payable and the final payment date for such debts/obligations.

When you use your card for payments or cash withdrawal from ATMs, please follow the instructions below to ensure that these transactions take place in the most secure way possible.

  1. Sign your card on the back immediately when it has been delivered to you.
  2. At no point and in no way should you show the PIN (Personal Identification Number for card use) to anyone, the card and PIN should never be kept in the same place and preferably do not write your PIN anywhere.
  3. When you use your card to withdraw money, make sure nobody is looking at you, do not accept instructions from strangers but always follow the instructions on the ATM screen and if you see something unusual, like a camera placed at the location where you can be seen entering the PIN, PLEASE do not attempt to withdraw money but inform the nearest TEB branch or TEB Call Center
  4. No information concerning your card should be provided to third parties, such as the Card Number, PIN, CVV2 (the code that is required for purchases via the internet) or the card expiration date.
  5. When using the card for purchases, make sure that the transaction occurs in your presence and not in a part of the shop where you do not have access, always check the details of payment on the invoice to ensure they are in order and that they correspond to the transaction completed and then sign the invoice in the same signature as you have signed on the back of the card. In cases where the transaction is carried out without PIN (SBT- Signature Based Transaction) make sure you always sign once for this payment and keep a copy of it in case of any disputes or complaints.
  6. Special attention should be paid to payments by mail or telephone and payments via the internet. When using your card for the above transactions, you may be required to enter CVV2 (Card Verification Value 2). Using this code, the transaction is approved in a more secure way through the Internet. CVV2 is located on the back of the card (last three numbers on the signature band). Ensure you make payments through the Internet with companies that are publicly known and have credibility in international markets.
  7. Your card data, such as your card number, CVV2, card expiry date should only be provided to known and credible businesses. When executing transactions by mail or telephone and making payments through the Internet, you should initially learn the conditions and terms of payment or payment cancellation. If you fail to cancel a transaction within the terms and conditions set by merchant, your account may be charged a fee set in the merchant’s terms and conditions. Reputable merchants will refer you to their terms and conditions before finalizing the sale.

Complaints for transactions contested by client
If a transaction that you have not authorized appears in your account, you should contact and notify one of the TEB branches as soon as possible. You will then be asked to fill out the appropriate complaint form and TEB will subsequently review your complaint under the terms and conditions set by Visa International/MasterCard.

If your complaint results in a negative response, TEB will charge a fee for unjustified complaints as shown in our list of fees.

Instructions in case your card is stolen or lost
As soon as you notice your card has been lost or stolen you should either notify the nearest TEB branch or notify the Call Centre on +381 38 230000 in order to block your card so that it cannot be used by a third party.

Card Reactivation
If you find a lost card which has already been blocked, you must complete and sign a card reactivation form in order to activate the card if it has not already canceled completely by the Bank.

Additional Information
If a card is used in other banks’ ATMs, then the transaction limit is determined by the card receiving Bank, and the total daily limit for withdrawal is determined by the card issuing bank.
Your account balance should be checked on a regular basis. If you notice any unauthorized transactions, just visit one of our branches to initiate a complaint and take further steps as promptly as possible.

Any possible misuse that may result from a transaction that has taken place using your PIN is your responsibility.

If for any reason an ATM has seized your card, please notify the Call Center immediately.

Your card contains card use limits and no merchant is authorized to determine any card use limit for your card.