Visa Vision

Look at life through violet-tinted glasses.

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Retail
Cards
Cards
Visa
Visa Vision

Card type		Visa Reward
Card Currency		AMD, USD, EUR
Card service fee		AMD 500 for cards issued and reissued from 01/01/2024, for foreign citizens AMD 225,000 at once
Visa Classic card in another currency to the cardholder, if desired		Free of charge
Additional Visa Vision card attached to the same account		AMD 300 per month, for foreign citizens AMD 225,000 at once
Issuance of Visa Classic card to Visa Vision cardholder's friend if desired		Free of charge, for for foreign citizens AMD 75,000
Interest accrued on positive card account balance^[1]		4%-AMD, USD-1%, EUR-0.5%
Cashback**	In case of transactions made through ArCa system POS and vPOS terminals	0.25%
	In case of transactions with non-ArCa system banks (foreign) POS and vPOS terminals	0.5%
Cash withdrawal	From the ATMs of the Bank or from the card account in the territory of the Bank, through the bank's POS terminals	AMD-In case of up to 2 million AMD cash withdrawal within 1 month - 0%
		AMD- In case of cash withdrawal of AMD 2 million and more within 1 month - 0.2%
		USD-0.5%
		EUR-0.5%
	Through POS terminals and ATMs of Armenian banks that are members of ArCa system	1%
	Through ATMs and POS-terminals of other banks	1.5%, min AMD 1500
Maximum daily withdrawal limits	Amount	AMD 1,000,000 or equivalent currency
	Quantitative	10
	Maximum cash limit for one ATM transaction	Min AMD 300,000 (depends on the ATM)
Cash deposit through Bank payment terminals		0
Maximum limit for one cash deposit transaction through the bank's payment terminals		AMD 100,000
Cash deposit through ATMs of the bank and other ArCa member banks (ATM CASH-IN)		0.6%
Replenishment of card account by non-cash transfer		0
Non-cash payment commission for goods and services		0
Card blocking		0
Card unblocking (In case of incorrect PIN or CVV input)		AMD 500
Card re-issue In case of expiration of its term		AMD 0
Card re-issue if it is lost or damaged		AMD 2,000
Changing PIN-code		AMD 1,000
Provision of monthly account statement		AMD 0
Account statement for a period longer than a month ^[2]		AMD 0
Card-to-card transactions through www.arca.am website and ATMs
In favor of Bank customers		0.3%
In favor of customers of other banks-members of ArCa system		0.5%
Receiving SMS messages about transactions
Transactions up to AMD 5,000^[4]		AMD 20
Transactions exceeding AMD 5,000		0
Commission fee for increasing the number of cash transactions or limits		0
Appeal fee for card transactions^[3]		AMD 5000
Penalties for overspending		20%
Possibility of credit limit		Available According to Loan Terms and Tariffs

[1] Interest is accrued on a quarterly basis
[2] Fees include VAT.
[3] It is charged only if, as a result of the appeal process, it is found out that the transaction was made by the customer or by the customer in violation of the card usage rules.
[4] The tariff also applies to the SMS message sent in case of transaction rejection, regardless of the amount of the transaction.
**If the amount of accumulated cashback does not exceed AMD 100 or equivalent foreign currency, it is added to the amount of cashback accumulated during the following month and transferred to the customer's account next month in case of exceeding AMD 100. Cash back is not provided for utility and equivalent payments, betting/gambling websites, e-wallet replenishment and payment transactions made in financial institutions.