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A card with special features according to your lifestyle

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About card TERMS & CONDITIONS ADDITIONAL DOCUMENTS

Card account currency

֏ $ € ₽

Validity

5 years

Card account service fee

AMD 35 000 annually

Attached card possibility

Visa Platinum, Visa Gold

Attached card account annual service fee

Visa Platinum: 17 500 AMD
Visa Gold

: free of charge

Card urgent order fee

3000 AMD

Lost or damaged card reissuance fee

5000 AMD

Cash-out at Inecobank cash points

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

Cash-out 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.

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

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%

SMS messages on the performed transactions

Free of charge

Urgent reissuance of the card outside the territory of the RA

According to Visa International Payment by the system ”Global Customer Assistance Service (GCAS) ”service Tariffs

Urgent cash withdrawal abroad (up to USD 1 000)

According to Visa International Payment by the system ”Global Customer Assistance Service (GCAS) ”service Tariffs

Access to high-quality airport lounges

Free of charge

Waiting room entrance fee

6 entries per year - free* of charge
The next entry - $32 / equivalent in AMD

*To receive free entry, 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.

Procurement insurance

Free of charge

International concierge service

Free of charge

Travel inconvenience insurance: flight and baggage delay

Free of charge

Providing new PIN code

Free of charge

Making non-cash transactions

Free of charge

Maximum amount limit of cash withdrawal per day

2 000 000 AMD
5 000 USD | EURO
250 000 RUB

Maximum number of cash withdrawal per day

Maximum limit for one non-cash transaction

unlimited

Maximum quantity and limit of daily non-cash transactions

unlimited

Increase of cash withdrawal limit for the whole validity period

10 000 AMD

Transaction SMS notification fee

Free of charge

Card account early termination fee

Free of charge

Your financial informant

"YOUR FINANCIAL INFORMANT" www.fininfօ.am, IS AN ELECTRONIC SYSTEM THAT GIVES INDIVIDUALS THE OPPORTUNITY TO SEARCH FOR THE NECESSARY FINANCIAL SERVICE ON A COMMON PLATFORM, COMPARING THE TERMS OH THE OFFERED SERVICES:

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