Visa Infinite

Evoca Visa Infinite is the highest tier of Visa-branded cards.

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Visa Infinite

Credit limit provided by Visa Infinite credit cards

Our Visa Infinite partners can get a special credit limit with preferential conditions. The limit can be applied through the EvocaTouch application, on all days of the week and at any time, without additional paperwork and wasting time or by visiting any of our offices.

Online applications are approved automatically, 24/7, notification of application approval is received through the EvocaTouch app within minutes.

Visa Infinite debit cards
Card issuance		0
Annual service fee		AMD 100,000
Instant card issuance		AMD 10,000
For non-resident Bank customers since 24.02.2022		AMD 300,000
Issuance of a supplementary card		0
Annual service fee for a supplementary card^[1]	Visa Infinite	AMD 70,000
	Visa Platinum	0
Required minimum balance		N/A
Annual interest rate (%) accrued on the card account balance
Up to AMD 5 million		1.5%
Equal to or over AMD 5 million		2%
Foreign currency		0%
Cash withdrawal via Bank’s ATMs and POS-terminals or cash withdrawal from a Bank teller^[2]	AMD	1%
	US dollars and Euros	1%^[3]
	Other currencies	1%
Cash withdrawal via ATMs and POS-terminals of other Armenian ArCa member banks^[4]		1.2%^[5]
Cash withdrawal via ATMs and POS-terminals of foreign banks and Armenian non-ArCa member banks^[6]		1.5%, min AMD 2,500^[7]
Cash withdrawal from a Bank teller^{[8] [9] [10]}	AMD	1%
	US dollars and Euros	1%
	Other currencies	1%
Fee for cashless payments in stores using POS-terminals of the Bank and other banks		0
Card blocking		0
Card unblocking (in case of wrong PIN or CVV input)		AMD 1,000
Expired card replacement		0
Stolen, damaged or lost card replacement		AMD 30,000
New PIN generation		AMD 1,000
Monthly card account statement		0
Card account statement for a period over 1 month^[11]		0
Depositing cash via cash-in ATMs of ArCa member banks		1.2%
Account/card crediting via the Bank’s payment terminals		0
Transactional SMS		0
Transaction notification in Evoca Touch app		0
Cashback on international payments^[12]		0.5%
Penalty for overspending		20% per year
Card-to-card transfers via ATMs
Transfer to a Bank debit card ^[13]		1%
Transfer to debit cards of other ArCa member banks and banks working with ArCa via H2H channel^[14]		1.2%
Card-to-card internal transfers via EvocaTouch/EvocaOnline apps	To a card in the same currency	1%
	To a card in another currency	1%
Card-to-card transfers via EvocaTouch/EvocaOnline to debit cards of other ArCa member banks and banks working with ArCa via H2H channel		1.2%
Fee for reviewing credit limit request		0
Fee for reviewing credit limit increase request		0
Cash withdrawal limit		AMD 5,000,000
Maximum number of daily cash withdrawal transactions		20
Maximum amount of cash withdrawal per transaction (via ATMs)		Up to AMD 500,000 (depending on ATM type)
Fee for increasing daily limit of cash withdrawal transactions or their amount for the entire period of card validity
Fee for changing cash withdrawal limit up to AMD 5 million		0
Fee for changing cash withdrawal limit over AMD 5 million		0
Card transactions appeal fee^[15]		AMD 5,000
Expired card service fee		AMD 2000 per month, if the funds in the account are insufficient – charging the funds in the account.

^[1] For foreigners: a five-fold base fee and for a supplementary card - upfront payment of a three-year service fee.

^[2] For cards with additional (grace) period credit limit (overdraft) - 1 %.

^[3] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.

^[4] For cards with additional (grace) period credit limit (overdraft) - 1.5 %.

^[5] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.

^[6] For cards with additional (grace) period credit limit (overdraft) - 1.5 %, min AMD 2,500.

^[7] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.

^[8] The mentioned fee will also apply to transfer of funds from VISA Infinite card account.

^[9] For cards with additional (grace) period credit limit (overdraft): in AMD - 1%, in a foreign currency - 1%. The fee will also apply to transfer of funds using the cards with additional (grace) period credit limit (overdraft).

^[10] The fee will also apply to any types of supplementary cards linked to VISA Infinite card.

^[11] All fees include VAT.

^[12]Cashback will be credited to the card account if the amount exceeds AMD 5000 or a foreign currency equivalent. Maximum cashback is set to equal AMD 200 000 or a foreign currency equivalent.

^[13] For the cards with additional (grace) period credit limit (overdraft) -1%.

^[14] For the cards with additional (grace) period credit limit (overdraft) - 1.5%.

^[15] Will be charged if the Bank's investigation shows that the transaction was implemented by the customer or due to a violation of card rules by the customer.