Mastercard Standard

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Mastercard Standard
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Provided services

MasterCardStandard / Visa Classic

MasterCardGold / Visa Gold

VisaBusiness

VISA Infinite

Card provision

0

0

0

0

Annual service fee

AMD 5,000

AMD 15,000

AMD 10,000

AMD 100,000

Card annual service fee for foreign citizens*

AMD 25,000

AMD 75,000

AMD 50,000

AMD 500,000

Provision of additional card

0

0

0

0

Annual service fee of the additional card

AMD 3,000ՀՀ

AMD 10,000

AMD 7,000

AMD 70,000 or free of charge Visa Gold

Card account non-deductable balance

0

0

0

0

Annual interest rate calculated on the positive balance of the card account

Up to AMD 5 mln

0 %

0 %

0 %

1.5%

AMD 5 mln and above

1 %

1 %

1 %

2%

Foreign currency

0 %

0 %

0 %

0 %

Cash provision by the cards through the Bank’s ATMs and POS [2]

AMD

0.2%

0.2%

0.2%

1%

USD and EUR

0.5%

0.5%

0.5%

1%[3]

Other foreign currency

0.3%

0.3%

0.3%

1%

Cash provision with cards through ATMs and POS terminals of other banks of RA that are member of ArCa system

0.8%

0.8%

0.8%

1.2%[4]

Cash provision with cards through ATMs and POS terminals of foreign country banks that are not member of ArCa system [5]

1% min AMD 1,500

1% min AMD 1,500

1% min AMD 1,500

1.5% min AMD 2500 [6]

Cash provision from card account within the premises of the Bank[7]

AMD

0.2%

0.2%

0.2%

1%

USD an EUR

0.5%

0.5%

0.5%

Foreign currency

0.3%

0.3%

0.3%

Non-cash transactions performed through POS terminals of the Bank and other banks in shopping centers

0

0

0

0

Blocking of the card operation

0

0

0

0

Unblocking of card operation (in case of inputting wrong PIN or CVV code)

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

Card reissuance in case of validity expiration

0

0

0

0

Card reissuance in case of loss, damage or loss of PIN code

AMD 3,000

AMD 10,000

AMD 5,000

AMD 30,000

PIN code generation request

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

Monthly statement provision of card account

0

0

0

0

Statement provision of card account for the period more than 1 month[8]

AMD 1,000

AMD 1,000

AMD 1,000

0

Cash deposit through bank ATMs (ATM CASH-IN) that are member of “ArCa” system

0.6 %

0.6 %

0.6 %

0.6 %

SMS notification on performed transaction

Transactions up to AMD 5,000[12]

AMD 20

AMD 20

AMD 20

AMD 20

Transactions exceeding AMD 5,000

0

0

0

0

Overlimit penalty

20% annual

20% annual

20% annual

20% annual

Card to card transfer through www.arca.am website and ATMs

On Bank’s payment card [9]

0.3%

0.3%

0.3%

1%

On the payment card of the other banks that are member of “ArCa” system [10]

0.5%

0.5%

0.5%

1.2%

Credit limit provision application review fee

AMD 2,000

AMD 2,000

AMD 2,000

0

Credit limit increase application review fee for an existing credit limit

AMD 1,000

AMD 1,000

AMD 1,000

0

Commission for increasing withdrawal limits in one day for the entire duration of the card's validity

Change of withdrawal limit up to 5 million AMD

AMD 2,900

AMD 2,900

AMD 2,900

0

Change of withdrawal limit up to AMD 5 million and more

AMD 4,900

AMD 4,900

AMD 4,900

0

Dispute of the transactions performed by the card [11]

AMD 5,000

AMD 5,000

AMD 5,000

AMD 5,000

Expired payment card card account maintenance fee AMD 2,000 per month, and in case of insufficient funds, in the amount of the account balance.

*Foreign Citizens and Private entities registered in Armenia with foreign citizenship must pay the 3-year card service fee at once.
[1] MasterCard Standard, Visa Classic, MasterCard Gold, Visa Gold and VISA Infinite payment cards are provided to physical individuals, and Visa Business payment card are provided to legal entities.
The tariffs defined for the Payment cards stipulated with the subject clause apply to any transaction performed via card account of payment cards (without the payment card) with credit limit with grace period (overdraft) (Tariffs are valid only for the payment cards issued after 01/06/2018 inclusive).
Tariffs for issuance and service fee of the salary payment cards are defined as per the agreement concluded with the employer of the cardholder. As per the decision of the Board other terms and conditions can be defined for payment card provision.        
[2] 1% for the cards with credit limit (overdraft) with additional term (grace period)
[3] The tariff is valid for any type of the additional cards linked to Visa Infinite card.
[4] The tariff is valid for any type of the additional cards linked to Visa Infinite card.
[5] 1.5% min AMD 2,500 for the cards with credit limit (overdraft) with additional term (grace period)
[6] The tariff is valid for any type of the additional cards linked to Visa Infinite card.
[7] 1% for the cards with credit limit (overdraft) with additional term (grace period)
[8] Commissions include VAT
[9] In the case of a VISA Infinite payment card, the specified tariff applies also when making a transfer from the card account of a VISA Infinite payment card.
1% for the cards with credit limit (overdraft) with additional term (grace period), foreign currency 1%
This tariff is valid also in the event of making a transfer from the card account of the card with the presence of a credit limit (overdraft) for an additional period (with a grace period). 

[10] 1.5% for the cards with credit limit (overdraft) with additional term (grace period)
[11] The amount is charged only in case if during the dispute investigation it is revealed that the transaction has been performed by the customer or the card usage rules have been violated
[12]The tariff also applies to the SMS message sent in case of transaction rejection, regardless of the amount of the transaction.

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