Hot Line +37410 511 211

Visa Gold

Visa GOLD Debit

Due to Visa GOLD card you can get an individual approach to service at any most reputable trade and service centre and financial institution in the world.

Tariffs of provision and service 

N Service Type Visa Gold
1 Provision of the card 0
2 Provision of additional*/attached** card 0
3 Annual one-off fee1 AMD 24 000
4 Transactions in trade points2 0
5 Provision of cash at encashment points and ATMs of the bank 0.5%
6 Provision of cash at encashment points and ATMs of other ARCA system member banks 1%
7 Provision of cash at encashment points and ATMs of banks that are not members of ARCA system 1%, minimum AMD 1 500
8 Maximum daily limit of encashment transaction AMD 1 500 000 
USD 4 000 
Euro 3 000
9 Maximum daily number of encashment transactions 10
10 % accrued on the balance of the card account /annual/ 0
11 Provision of a statement from the card account 0
12 Provision of an additional statement from the card account AMD 1 000
13 Penalty accrued to the amount in excess of the credit limit 0.15% daily
14 Provision of a duplicate of a lost/stolen/damaged card and PIN code AMD 2 000
15 Provision of a duplicate of a lost/stolen/damaged card and PIN code during the same day AMD 10 000
16 Provision of cash from the card account in case of loss of the card abroad 5% of the amount
17 Submission of unjustified chargeback application AMD 5 000
18 Card to card transfers 0.5%
19

Sending SMS concerning amounts credited to and debited from the card

The amounts are VAT inclusive

0
20 Card unblocking fee AMD 500
21 Provision of medical insurance during trips abroad According to tariffs of insuranec companies
22 Termination of the card validity in the bank's authorization system and putting it on the Stop-list/ for two weeks AMD 15 000 

1For credit cards /debit+credit/ the service fee is charged at the time of provision of the cards, for the whole year. In case of early termination of the agreement, the service fee is not subject to return.

2In case of transactions done in a currency different from the currency of the account of the Bank’s cardholders at encashment points, ATMs, trade and service centres, that operate beyond ArCa system, at the time of currency conversion the fee of 2% set by the Bank is applied. Exceptions are transactions in USD and Euro.

* Additional card - an additional card of the same payment and settlement system, opened within the same account /VISA-VISA, ARCA-ARCA, MasterCard-MasterCard/

** Attached card - an additional card of a different payment and settlement system, opened within the same account /VISA - ARCA, MasterCard; ARCA - VISA, MasterCard; MasterCard - VISA, ARCA/

The exchange rate applied at the time of authorization of an operation/transaction and the exchange rate applied at the time of its actual accounting may differ. At the time of authorization, the exchange rates set by payment and settlement systems ARCA/VISA/MasterCard, and at the time of actual accounting of the operation/transaction, the USD exchange rate set by the Bank for the end of the previous banking day is applied. Exceptions are the operations/transactions made in Euro with the cards of Visa payment and settlement system, at the time of accounting of which the Euro exchange rate set by the Bank for the end of the previous banking day is applied. The Bank bears no responsibility for the currency and other risks connected with the exchange rate differences.

In case of not usage of the balance on the closed card account for three months, AMD 1000 is charged for every year (if the balance is less than AMD 1000, then the whole balance amount is charged, and the account is closed).

Order the card online, here

Description of Visa GOLD DEBIT card

Accessibility

  • Is accepted at any trade and service centre and encashment point in the world, offering the possibility to enjoy high-quality service.

Convenience

  • Possibility to make virtual purchase and payments in the internet environment, possibility to make utility payments
  • Quick card to card transfer of funds
  • Free of charge provision of a statement in the manner preferred by the cardholder
  • Sending an SMS to the cardholder about the transaction at the time of making it
  • Transfer of the salary directly to the card account.
  • Provision of 24-hour free of charge information about the balance on your card account, by means of the Bank’s LAN HELLO (+37410) 511 200, 545514 /round-the-clock/ telephone information system, as well as the phone number of ArCa payment system (+37410) 59 22 22

Security

  • Availability of a chip on the card, which ensures identification of the PIN code during any transaction /except for internet transactions/.
  • Possibility of fast identification of the cardholder by means of a photo and signature.
  • Ensuring in the virtual /internet/ environment the modern 3D Secure security system consonant with the international criteria

Advantages

  • The card can be provided both with debit /replenished with own funds/ and credit /replenished also with the funds provided by the bank/ option.
  • Provision of the card in AMD, USD, and Euro.
  • Provision of an additional card to the family members within the card account.
  • Unlike cash purchases at trade centres, in case of making purchases with payment cards you will get 3-30% discounts in over 40 local trade points

Care

  • Transfer of the amount available on the card account in case of losing the card outside the RA.

Entrance to the Business Lounge of “Armenia” international airport.