Order Visa Gold Cards in Inecobank!

Visa Gold - a premium international card. You can use to make both secure cashless and online transactions. This is more than a card for those who prefer reliability and acknowledgement worldwide.

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About card Terms & Conditions Additional documents

Card account currency

֏ $ € ₽

Card validity

5 years

Card account annual service fee (AMD)

12 000 *

* Within the framework of the standard tariff plan, for the whole validity term of the card the customer is provided free of charge as follows:

One ArCa Classic card, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was up to 500 000 AMD or equivalent foreign currency at the time of card order
One Classic or Standard card in the currency the customer prefers, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was 500.001-10 000 000 AMD or equivalent foreign currency at the time of card order
One Gold card in the currency the customer prefers, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was at least 10 000 000 AMD or equivalent foreign currency at the time of card order.

Cash-out at the Inecobank cash withdrawal points

Before activating a credit line։ 0%
After activating a credit line։ 1%

Cash disbursement without card at Inecobank cash desks

Before activating the credit line:

AMD: 0.2% commission fee, but not less than AMD 500 AMD
EURO: 1% commission fee, but not less than AMD 2.000 AMD
USD: 1% commission fee, but not less than AMD 2.000 AMD
RUB: 0.5% commission fee, but not less than AMD 2.000 AMD

After activating the credit line
Maximum from the tariff set for cash disbursement defined by these tariffs at Inecobank cash points - defined before these tariffs - activation of the credit line without the card disbursement tariff.

Cash-out via ArCa system at cash withdrawal points of the banks with certification

Before activating a credit line։ 1%
After activating a credit line։ 2%

Cash-out via ArCa system at cash points of the banks without certification and outside the territory of the RA

2%, but not less tan 1500 AMD

Maximum daily limit for withdrawal transactions

2 000 000 ֏

4 000 $

4 000 €

300 000 ₽

Attached cards possibility

ArCa Classic, Visa Classic, MasterCard Standard, MasterCard Gold, Visa Gold cards

Annual account service fee for the attached cards

In amount of 50% of card account service fee of the relevant attached card

SMS messages on the performed transactions

free of charge

* SMS messages are sent for transactions exceeding 1000 AMD/2 USD/2 EUR/125 RUB unless otherwise ordered by the customer․

Card-to-card transfer fee/ Transfer from the card account onto other bank accounts of the same customer (only via InecoOnline, InecoMobile systems)

Before activating a credit line: 0%
After activating a credit line: 1%

Card blocking/unblocking

free of charge

Reissuance of a lost or damaged card

2 000 AMD

Early closure of a card account

free of charge

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Other conditions

General provisions

No minimum card account balance is set.
The annual interest rate calculated for the positive balance on the card account is 0%.
Free utility payments with the card.
Free non-cash transactions with the card. There is no maximum limit for one non-cash transaction as well as no maximum daily limit and amount for non-cash transaction.
If the Client does not notify the Bank in writing, at least 1 (one) month prior to the expiration of the Card’s validity period, of their intention regarding the legal relationship related to the issuance and servicing of the Card, including the intention to terminate the Card, the Bank may reissue the Card each time, even in the absence of the Cardholder, under other terms determined by the Bank at that time. In the event of reissuance of the Card, the replacement of the expired Card with a new Card shall be carried out on the last banking day of the Card’s validity period.
The maximum number of cash transactions per day is 10 transactions.
There is no tariff for one-time increase of cash withdrawal limit (in amount of the provided contractual loan) for withdrawal of credit line Due to the customer’s application, in case of one-time increase of withdrawal limit (available until 24:00 of the given day), a tariff of 3000 AMD is applied, and in case of increase for the whole validity period of the contract a tariff of 10 000 AMD is applied.
There is no tariff for one-time increase of cash withdrawal limit (in amount of the provided contractual loan) for withdrawal of credit line contractual amount, which is provided secured with immovable property.
Calculations of actual interest rates of foreign currency credit lines were based on the average exchange rates issued by the Central Bank of RA on 26.02.2020.
The card is provided within maximum 3 working days and for the bank branches in the regions the card delivery time will be added to the mentioned period. In case of urgent card order an additional fee of 3000 AMD is charged. In case of urgent card order the latter is provided within 1 banking day only in 2 Komitas branch of the Bank, and in other branches of the Bank the card delivery time is added to the mentioned time.
In case of card confiscation during the transactions via ATMs of the banks and/or POS terminals operating outside the territory of RA a commission fee is charged in accordance with the Payment system and/or the servicing Bank, but not less than 10 000 AMD.
In case of incorrect appeal against the card transaction a commission fee is charged in accordance with the Payment system and/or the expenses submitted by the servicing bank, but not less than 10 000 AMD. The commission is applied when the Bank receives application submitted for the second time by the Servicing bank during the examination of the appeal against the card transaction; in the second application the Servicing bank expresses its disagreement with the appeal.
Statement day is the 1^st of each month. The statement is provided free of charge. For each additional statement a fee is charged in accordance with the relevant tariff plan.
The Card account service fee for the first year is paid immediately upon opening the card account, and for each subsequent year it is paid until the 25^th of the month of the Card issuance, unless otherwise provided by the tariff.
Commissions subject to VAT taxation include also VAT.

Updated as of 07.07.2026 14:07