Commission Tariffs and Rates
Visa Vision cards
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Card type |
Visa Rewards |
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Card currency |
AMD, USD, Euro |
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Visa Vision card service fee |
AMD 300 per month, Effective 01/01/2024, fee for newly issued or replaced cards – AMD 500 For foreign citizens – AMD 225,000 in a lump-sum. |
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Optionally, Visa Classic card in another currency as a gift |
Free of charge, without annual service fee |
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Additional Visa Vision card service fee |
AMD 300 per month. For foreign citizens – AMD 225,000 in a lump-sum. |
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Optionally, Visa Classic card for a friend |
Free of charge, for foreign citizens – AMD 75,000 in a lump sum |
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Required minimum account 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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Cash withdrawal[3] |
From Bank ATMs or in the Bank premises from card account or Bank's POS-terminal |
AMD: up to AMD 2 mln within 1 month - 0 % AMD 2 mln and over within 1 month – 0.2% |
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USD - 0.5 % |
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Euro - 0.5 % |
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From ATMs, POS-terminals of banks-members of ArCa |
1 % |
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From ATMs, POS-terminals of other banks |
1.5 %, 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 ATMs |
To Bank customers - 0.3 % |
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To payment cards of other banks-members of ArCa and banks working with ArCa via H2H channel - 0.5% |
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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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Stolen, damaged or lost card replacement |
AMD 2,000 |
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New PIN generation |
AMD 1,000 |
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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, under 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 withdrawal fees apply also to any other cards attached to the card account in question.
[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.
