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About card Terms & Conditions Additional Documents

Card account currency

֏ $ € ₽

Card validity period

5 years

Card issuance

Free of charge

Card account service fee

90 000 AMD per year

Additional Card Options and Maintenance Fees

and service fees

Visa Infinite - 50,000 AMD
Visa Signature - free
Visa Platinum - free
Visa Gold - free

Urgent card order tariff

Free of charge

Re-issuance of a lost or damaged card

Free of charge

Cash disbursement at Inecobank withdrawal points

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

Cash disbursement at withdrawal points of banks with ArCa system certification

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

Cash disbursement at withdrawal points of banks with no certification through ArCa system and outside the territory of RA

2%, but not less than 1,500 AMD

Non-cash payments

Free of charge

Card-to-card transfers and those from the card account to other Inecobank bank accounts of the same customer

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

Cash disbursement without card use at Inecobank cash desks

For AMD։ 0,2%, but not less than 500 AMD
For RUB։ 0,5%, but not less than 2 000 AMD
For EURO։ 1%, but not less than 2000 AMD
For USD։ 1%, but not less than 2000 AMD

After activating a credit line:

The maximum between the tariff set out for cash disbursement from Inecobank ATMs under these tariffs, and the tariff "Cash disbursement at Inecobank cash-desks without card use before activating a credit line" under these tariffs.

Change of withdrawal limits according to the customer's application for the whole duration of contract

Free of charge

Increase of cash withdrawal limit for the whole validity period according to the customer's application

Free of charge

Sending an SMS message about the transaction

Free of charge

Early closure of the card account

Free of charge

Transfers via Inecobank ADFT to payment cards issued by Inecobank

Transfers via Inecobank ADFT to payment cards issued by the banks with ArCa system certification

0.5%

Travel inconvenience insurance - flight and baggage delay

Free of charge

Travel Assistance Insurance

Free of charge

Access to high-quality

waiting zone of airports

Free of charge

Waiting room entrance fee

20 free* entries per year
Up to 4 guests free of charge per year
From the next entry: $32 per visit / equivalent in AMD

*To receive 20 free annual entries, it is necessary to make non-cash transactions totaling at least $400 (or the equivalent in foreign currency) within the 35 days preceding the entry. If this payment requirement is not met, the customer will have access to 3 free entries.

International concierge service

Free of charge

Fast Track Service

Unlimited usage
Includes up to 4 free guests annually

Your financial directory

"YOUR FINANCIAL DIRECTORY" - www.fininfօ.am, IS A SYSTEM OFFERED TO INDIVIDUALS TO SEARCH AND COMPARE SERVICES AND MAKES THE MOST EFFECTIVE OPTION FOR YOU EASIER.

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 14.07.2026 17:16