Visa Digital
If you order Evoca Digital card using EvocaTOUCH app right now, the card will be activated in minutes.
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Card type |
Visa Digital |
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Card currency |
AMD, USD, Euro |
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Visa Digital card service fee |
AMD 1,000 in a lump-sum; for foreigners – AMD 50,000 in a lump-sum. |
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Required minimum balance |
Not applicable |
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Annual interest accrued on card account balance[1] |
AMD - 4%, USD - 1%, Euro - 0.5% |
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Cash back on card payments[2] |
Transactions implemented via POS and vPOS terminals of ArCa member banks |
0.25 % |
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Transactions implemented via POS and vPOS terminals of banks non-members of ArCa (foreign banks) |
0.5 % |
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PIN issuance/reissuance |
AMD 2,000 |
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Cash withdrawal[3] |
From ATMs, POS-terminals of the Bank |
AMD - 2 % |
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USD - 2 % |
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Euro - 2 % |
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From ATMs, POS-terminals of banks-members of ArCa |
2.5 % |
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From ATMs, POS-terminals of other banks |
2.5 %, min AMD 1,500 |
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Maximum daily cash withdrawal limit |
Transaction amount |
AMD 1,000,000 or foreign currency equivalent |
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Transaction number |
10 |
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Maximum amount of cash withdrawal per transaction (from ATMs) |
Min AMD 300,000 (subject to ATM type) |
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Account crediting using Bank’s payment terminals |
0 |
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Maximum amount of account crediting using Bank’s payment terminals per transaction |
AMD 100,000 |
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Account crediting via ATMs (ATM CASH-IN) of the Bank and other banks-members of ArCa |
0.6 % |
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Electronic funds transfer to card account |
0 |
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Fee for cashless payment for goods and services |
0 |
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Transferring funds via EvocaTouch/EvocaOnline within the Bank |
To same currency card - 0% |
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To another currency card - 0.3% |
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Transferring funds via EvocaTouch/EvocaOnline to payment cards of other ArCa member banks and banks working with ArCa via H2H channel |
0.5% |
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Card blocking |
0 |
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Card unblocking (in case of wrong PIN or CVV input) |
AMD 500 |
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Expired card replacement |
0 |
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Card replacement for other reasons |
AMD 2,000 |
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Monthly account statement |
0 |
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Card account statement for a period over 1 month [4] |
0 |
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Transactional SMS |
Transactions up to AMD 5,000 [5] |
AMD 20 |
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Transactions exceeding AMD 5,000 |
0 |
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Fee for increasing the number and amount of cash withdrawals |
0 |
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Card transactions appeal fee[6] |
AMD 5,000 |
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Penalty for overspending |
20% per year |
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Access to credit limit |
Available, pursuant to the Lending terms and conditions and lending fees |
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[1] Interest accrued will be paid on a quarterly basis.
[2] Cash-back rewards will be credited to the card on or before the 10th business day. If the earned money does not exceed AMD 100 or foreign currency equivalent, then it will be added to customer’s cash-back bonus earned during the next month and credited to the card account if it exceeds AMD 100. Customers won’t get cash-back on utilities or equivalent bills, payments on betting/gambling websites, topping up e-wallets, and on payments in financial institutions.
[3] Cash withdrawals/credits from/to Digital cards via ATMs (ATM CASH-IN) of the Bank and other ArCa member banks are possible only if PIN-code is available.
[4] Fees include VAT.
The minimum balance on which interest will accrue - AMD 0.
[5] SMS fees will apply also to declined transactions, irrespective of the transaction amount.
[6] Will be charged only in cases when as a result of disputing the transaction it was revealed that the transaction was made by the customer or as a result of violation by the customer of card rules.
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