Commission Tariffs and Rates
Visa Vision cards
|
Card type |
Visa Reward |
|
|
Card Currency |
AMD, USD, EUR |
|
|
Card service fee |
AMD 500 for cards issued and reissued from 01/01/2024, |
|
|
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 |
|
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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 |
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Card-to-card transactions through www.arca.am website and ATMs |
||
|
0.3% |
|
|
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 |
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[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.
