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Private Banking customers service office

Telephone:

+374 (10) 58-59-85


Service of Visa Infinite card


 Issuance and service of Visa Infinite card /hereinafter Card/

Service name / tariff (AMD)
Issuance   

Issuance of card 1


Free

Issuance of additional card 2

Service    
Service of the card 

Free

Service of the additional card 
Minimum balance 3   

-

Interest rate accrued on positive annual balance on card account

AMD/USD/EUR/RUB  

0.00%

 Replenishment of card account  
Depositing of cash on card account in the Bank's cash desks Free for AMD, USD and EUR 
0.5% in case of up to 3.500.000 RUB
0.65% in case of 3.500.001 RUB and over 
Depositing of cash on card account through Telcell payment terminal 4    in Telcell terminal network - 300 
In Telcell terminals installed in branches of “VTB-Bank (Armenia)” CJSC - 100  
Replenishment of card account through non-cash intra- /inter bank transfer 

Free 

Cash transactions through card   
Provision of cash   
in ATMs of “VTB Bank Armenia” CJSC   

1%, minimum 2,000 AMD, 4 USD/ 4 EUR /250 RUB

         
in POS terminals of “VTB Bank Armenia” CJSC  
in ATMs and POS terminals of VTB group 5 
in ATMs and POS terminals of other banks6 
 NON-cash transactions through card 
  NON-cash transactions in trade and service shops   0%
  Quasi cash  transactions 11   3%
Encashment from card account without using the card
From customer's own funds   
Encashment of funds deposited in cash (AMD, foreign currency)    

Free

 
Encashment of resources deposited as non-cash (AMD)
Encashment of resources deposited as non-cash (foreign currency)  

0.30%

From loans provided to customer   
Encashment of funds deposited in cash (AMD, foreign currency)        

1%, minimum 2,000 AMD, 4 USD/4 EUR/250 RUB

Encashment of resources deposited as non-cash (AMD) 
Encashment of resources deposited as non-cash (foreign currency) 
Non-cash transactions on cash account without using the card 7  
Transfers form card account   
Intra-bank transfers     

1%, minimum 2,000 AMD

Inter-bank transfers in AMD 
Foreign currency inter-bank transfers (SWIFT)   According to "Tariffs of “VTB-Bank (Armenia)” CJSC for Services Provided to Physical Persons", Chapter "Bank Transfers" 
Opening of time deposit       

1%, minimum 2,000 AMD

Replenishment of time deposit 
Loan repayment 
Payment of public utility services   

Free

Implementation of non-cash transactions on card account through Internet Banking service  
Transfers from card account   
Intra-bank transfers    

0.8%, minimum 1,000 AMD

Inter-bank transfers in AMD 
Foreign currency inter-bank transfers (SWIFT)   According to "Tariffs of “VTB-Bank (Armenia)” CJSC for Services Provided to Physical Persons", Chapter "Bank Transfers" 
Opening of time deposit       

0.8%, minimum 1,000 AMD

Replenishment of time deposit 
Loan repayment 
Payment of public utility services   

Free

Payment of public utility services through ATM 7   

Free

Maximal amounts of cash withdrawal from the card 8   
Maximum amount of daily cash transactions   

10,000,000 AMD/25,000 USD/20,000 EUR/770,000 RUB

Maximum number of daily cash transactions   

10

Maximum amounts of non-cash transactions with card or on card account (without using the card)   
Maximum amount of daily non-cash transactions   

No limits
  

Maximum number of daily non-cash transactions 
 Other conditions  
Issuance of a new card maintaining the PIN number (after expiration of the card's validity period)   

Free

Re-issuance of card (worn out/technical problems/loss of PIN code/loss of card)   

10,000 AMD

Issuance of monthly statement on card account 

Free
 

Issuance of additional statements on card account, including with other regularity 

Free
 

Blocking of card   
Entry of card into international STOP-list (for 14 days in one Visa region)   

15,000 AMD

Entry of card into local STOP-list       

Free

Withdrawal of card from local STOP-list 
Withdrawal of card from international STOP-list 
SMS-banking  
Activating SMS-Banking service     

Free

Monthly fee for SMS-Banking service 9 
Card validity period (year)   

5

 Opening of credit line on card  
Grace period for repayment of the used credit limit  

up to 55 days

The minimum amount to be repaid from the credit limit used at the end of grace period   

10%

Daily penalty for late payment 10     

0.1%

Penalty for non-payment of the mandatory minimum payment   

20,000

Penalty for exceeding the limit, applied to the excessive amount (to the amount of daily late payment)   

20%, minimum 5000 AMD, maximum 20,000 AMD

List of POS terminals 

Notes

¹ The card is issued within one banking day.
2  The type/class of the additional card cannot be higher than the type/class of the additional card. The commission fees for transactions through additional cards are the same as set for the transactions on the main card.
3 The minimum amount which shall be maintained on the card account. 
4 The maximum amount of card account replenishment amount in the network of Tel-Cell company makes up 60,300 AMD, in the terminal network of “VTB-Bank (Armenia)” CJSC - 100,300 AMD. Meantime, there are no limits on the number of card transactions. 
5 The list of bank members of VTB group is available at the official site of  the Bank.:
6 Banks operating in RA and foreign countries, Including POS terminals of banks of VTB group.
7 Public utility service payments are accepted 24-hours a day on behalf of the following operators: Orange-Armenia, Beeline (fixed and mobile communication), Armenian Electrical Networks, Gasprom Armenia, Yerevan-Jur, Armenian Water and Sewerage Company, Shirak Water and Sewerage Company, Lori Water and Sewerage Company, Armavir Water and Sewerage Company, YouCom 
8 Applied in case of encashment through ATMs or POS terminals.
9 Monthly fee for sending unlimited number of SMS messages on fund movements through the cash.
10 Applied if the used portion of the credit limit is not repaid within 15 calendar days after the credit limit repayment deadline. The penalty is applied to the late amount of the credit limit and to the interest. 

11 The purchase of traveler's checks and lottery tickets, bonds, precious metals, credit institutions, as well as the execution of operations in casinos and other gambling establishments, including by Internet.



 

Updated 27.08.2018, 15:46

Updated: 9.11.2019 21:33:16

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