Visa Vision

Look at life through violet-tinted glasses.

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Cards
Visa
Visa Vision

Visa Vision cards
Card type	Visa Rewards
Card currency	AMD, USD, Euros
Visa Vision card service fee	AMD 300 per month
	For cards issued or reissued after 01/01/2024				AMD 500
	For foreign non-resident Bank customers since 24.02.2022				AMD 45,000^[1]
At the cardholder’s discretion, issuance of a Visa Classic card in another currency as a gift (supplementary card) for the cardholder	Free of charge with no annual service fee.
Annual service fee for the Visa Vision card tied to the same account	AMD 300 per month. For foreigners – AMD 225,000 payable in a lump-sum.
At the cardholder's discretion, issuance of a Visa Classic card for the cardholder's friend as a gift from the Bank	Free of charge, for foreigners – AMD 75,000 payable in a lump-sum
Minimum account balance	Not applicable
Annual interest rate (%) accrued on the card account balance^[2]	AMD - 4%, USD - 1%, Euro - 0.5%
Cashback on cashless payments^[3]	Transactions implemented via POS and vPOS terminals of ArCa member-banks					0.25 %
	Transactions implemented via POS and vPOS terminals of non-ArCa member (foreign) banks					0.5 %
Cash withdrawal^[4]	Via Bank's ATMs, POS-terminals as well as from Bank's cash department	AMD: Up to AMD 2,000,000 (inclusive) per month – free of charge, For the amount exceeding AMD 2,000,000 - 0.2 % Via POS-terminals - 0.2 %
		USD - 0.5 %
		Euros - 0.5 %
	Cash withdrawal via ATMs and POS-terminals of other ArCa member-banks	1 %
	Cash withdrawal via ATMs and POS-terminals of other banks	1.5 %, min AMD 1,500
Maximum daily limits of cash withdrawal	Amount to be withdrawn		AMD 1,000,000 or a foreign currency equivalent
	Number of transactions		10
	Maximum amount of cash withdrawal per transaction (via ATMs)		AMD 300,000 (depending on ATM type)
Depositing cash via the Bank's payment terminals	0
Maximum amount of cash deposit per transaction via the Bank's payment terminals	AMD 100,000
Cash depositing via cash-in ATMs of ArCa member banks	0.6 %
Card account crediting by cashless transfer	0
Fee for cashless payments for goods and services	0
Card-to-card transfers using ATMs	In favor of Bank customers - 0.3 %
	In favor of cardholders of other ArCa member-banks and banks working with ArCa via H2H channel - 0.5%
Card-to-card transfers via EvocaTouch/EvocaOnline within the Bank	To the same currency card - 0%
	To another currency card - 0.3%
Card-to-card transfers via EvocaTouch/EvocaOnline to debit cards of other ArCa member-banks and banks working with ArCa via H2H channel	0.5%
Card blocking	0
Card unblocking (in case of wrong PIN-code or CVV input)	AMD 500
Expired card replacement	0
Stolen, damaged or lost card replacement	AMD 2,000
New PIN-code generation	AMD 1,000
Monthly account statement	0
Card account statement for a period over 1 month ^[5]	0
SMS notification on transactions	Transactions under AMD 5,000^[6]			AMD 20
	Transactions exceeding AMD 5,000			0
Fee for increasing daily limit of cash withdrawal transactions or their amounts for the entire period of card validity	0
Card transactions appeal fee^[7]	AMD 5,000
Penalty for card overspending	20% per year
Fee for reviewing credit limit request	According to Lending terms, conditions and rates

^[1] The fee for a 5-year service will be billed as a one-time charge payable at the time of opening a bank account.

^[2] The accrued interest will be paid on a quarterly basis.

^[3]Cash-back rewards will be credited to the card on or before the 10^th business day of a month. 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.

^[4]Cash withdrawal fees apply also to any other cards attached to the card account in question.

^[5] Fees include also VAT.

A minimum balance on which interest will be accrued – AMD 0.

^[6] The fee will apply also to the messages on declined transactions, irrespective of the transaction amount.

^[7] Will be charged only in cases when the Bank's investigation shows that the transaction was implemented by the customer or as a result of violation by the customer of card rules.