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Caring card Designed for pensioners

Caring card

Cards for customers receiving regular payments (pension, benefits and other similar payments)

  • Annual service fee
    0 AMD
  • Currency
  • Annual % on the positive balance

Receive your regular payments (pension, benefits and other similar payments) through “Caring” card issued by ''ID Bank'' CJSC and get the opportunity to enjoy a number of advantages and discounts provided by the card. The card is issued free of charge.

The page was updated 20.11.2020 09:34

"Hogatar" (Caring) card

Cards designed for pensioners

by Decision No 486-L of the
Management Board of “IDBank” CJSC
as of June 17, 2021
Enters into force starting June 21, 2021

The terms mentioned in the bulletin may have been amended.
If you are looking through the bulletin on the website of the Bank, please pay attention to the action date of the bulletin.
If you are looking through the bulletin in a paper form, please visit the Bank’s website at for detailed information (paying attention to the action date of the bulletin), apply to any branch of the Bank or contact the Bank’s Call center: 010 593333 or 060 273333.



Type of the card

ArCa Classic


Card currency

Armenian dram


Card issuance within 2-5 business days1



Validity term

2 years


Express issuance (within 1 business day)2

1,000 AMD


Annual card account service fee



Card account minimum balance



Annual interest rate calculated against card account balance

Annual simple interest rate

 Annual interest rate
 0%  0%


Issuance of duplicate card in case the card is damaged, or invalid, stolen or PIN code for the same validity period

700 AMD


Re-issuance of expired card



Card blocking



Card unblocking



Providing monthly statement from the card account at the Bank, through post3 or e-mail



Providing additional statement from the card account at the Bank, through post 3 or e-mail



Providing additional statement from the card account at the Bank, through post or e-mail

500 AMD


Fee for each SMS4



Replenishment of card account



Cash withdrawal fee (from the Bank’s ATMs)



Cash withdrawal fee (from the Bank’s cash withdrawal points, POS terminals)



Cash withdrawal from ArCa system other banks’ cash withdrawal points



Fee for card to card transfer (Through ATMs and through the ArCa application)

Through ATMs and through the ArCa application


In case of transfers via and Idram platforms from card accounts of the synchronized cardholders of the Bank to ArCa system members’ cards 0.5%
In case of transfers via and Idram platforms from card accounts of the synchronized cardholders of the Bank to the cards of the Bank  Free


Fee for non-cash transactions



Daily cash withdrawal limit

300,000 AMD


Limit for cash withdrawal transactions per day



Fee for temporary or permanent change of the limit



Closing of the card account and card return


*Services set forth in clause 9 of the table are free of charge if they are provided for the first time; for the future, the same services are provided according to the rates specified in the table, unless the Bank offers terms that are more favorable.

1The card is activated according to the Bank’s Rules of maintenance of payment cards (hereinafter referred to as the Rules) available: Rules.
2Express issuance of card is available at Vardanants branch only. Address: Vardanants 13, c. Yerevan, RA, tel.: (+37410) 59 33 33, (+37460) 27 33 33.
3The provision of the statement within and outside the territory of the Republic of Armenia is carried out in the frequency and manner defined by the agreements concluded between the Customer and the Bank. Moreover, the sum of the commission set for the provision of the postal service and the corresponding tariffs of the Bank must be available on the Customer's card account for the provision of the service.
4The service is available for transactions above 5000 AMD.

“Caring” card customer criteria

Customer list - recipients of regular cash payments defined by the RA legislation

Required documents

In order to get the card the Customer must present the following documents:
- Identification document,
- Public service number (PSN).


In the scope of special offer implemented jointly with Rosgosstrakh Armenia ICJSC IDBank runs a campaign for its customers below 70 to subscribe to accidents insurance policy of Rosgosstrakh Armenia ICJSC “Family program”* for accidents and “Apartment asset” for property (fixed version). Depending on the type and limit of insurance, the customer pays AMD 5,000-22,500 at the Bank and signs Insurance contract with the Bank.

The customer presents the Insurance Policy to “Astghik” MC and gets the opportunity to enjoy 90.99% discount for a number of medical examinations

  • General practitioner advice
  • Eye examination
  • Gynecologist advice for women and urologist advice for men
  • Ultrasonic testing of abdomen, pelvic organs and thyroid
  • ESG
  • Clinical blood analysis with white blood cell count
  • 10% discount for ambulatory/hospital treatment

* Accident insurance policy covers insurance of 1-70 aged members of the Customer’s (Insured person) family, who run a joint household with the latter (irrespectively of the place of registration). Rates of insurance policy and other information is available:

General terms and conditions

1. The Bank’s cards are settlement cards, and these cards enable withdrawal of cash within the limits available for the cardholder, card crediting, making non-cash transactions/operations, on the account of facilities available on the card account and credit line/overdraft provided by the Bank.
2. VAT taxable fees include the VAT.
3. The Bank has the right to unilaterally change the size of interest for facilities available on the account, as well as other tariffs, upon giving 15 days prior notice on the official web site of the Bank.
4. Interest accrued with respect to the balance of card account are paid on monthly basis.
5. Interest on the balance of card account will be accruing from the day following the date of card crediting till the date preceding the date of returning the amount to the customer, the date of withdrawal of the amount on any grounds.
6. The Bank acts as a tax agent and has the right to calculate and pay tax on income (10%) from the interest received for facilities available on the account.
7. Disputes arising between the Parties can be settled through court or by means of the Financial system mediator (as prescribed by RA law on “Financial System Mediator”): address – 15 M. Khorenatsi St. Yerevan 0010, “Elite Plaza” business center, 7th floor, e-mail –, phone number – (+37460) 70-11-11, fax – (+37410) 58-24-21.
8. For the purpose of proper study of the client in accordance with the RA law “On combating money laundering and terrorism financing” the Bank may require additional documents or information on the “know your client” principle.
9. According to the agreement with the USA based on the Foreign Account Tax Compliance Act (FATCA) the Bank may collect additional information for the purpose of identification of the fact of the client being a US taxpayer.
10. In order to activate SMS service and e-mail address, you need to visit any branch of the Bank (carrying an identification document) and fill in the appropriate application.
11. Card is provided to the client within 2-5 banking days after submitting the application for ordering the card to the Bank and after signing the maintenance agreement.
12. Card ordered online (or at the Bank branches in special situations, at the discretion of the Bank) can be delivered to the client in the territory of Yerevan, to the address preferred by the client, in case there is enough money on the card for delivery service, if such tariff is set by the Bank.
13. To activate and use the card, the client should enter the card into the ATM of the Bank and choose the button “Activate the card”. After that, a one-time code will be sent to the mobile number of the client, which was registered at the Bank. After entering this code into the ATM, the client will be asked to create a PIN code of the card putting in a four-digit number. The PIN code must be used by the client only, who must keep the PIN code access impossible for the third parties. Activation is possible both through the Bank and all the ATMs in the territory of the Republic of Armenia, which have such an opportunity.
14. The card is activated by the Bank within 1 business day after the cardholder receives the card and completes the actions mentioned above.
15. The card enables performing transactions in both card account currency and other currency, at the exchange rate set by the Bank for the given day of transaction.
16. The Bank is not liable for loss incurred due to difference because of such foreign exchange.
17. The rights of the account holder to manage the card account and the cash facilities available thereon can be restricted based on application presented by the compulsory law enforcement or tax authorities made based on a court decision.
18. On the basis of a court decision the compulsory law enforcement and tax authorities may charge facilities without the instruction of the account holder.
9. In case there are loan obligations between the Bank and the account holder the cash facilities are charged from the account without further authorization, in order provided by the loan agreement.
20. All fees are charged in Armenian drams. Fees applicable on cards in foreign currency are charged in accordance with the exchange rates set by the Bank as of the given date.
21. The client has the right to communicate with the Bank through a preferred means of communication: e-mail or regular post. The electronic means of communication is the most comfortable. It is available in 24/7 regime and is free of the risk of losing information in paper as well as ensures confidentiality.
22. In case of disclosing discrepancies in the transactions related with the account the client may appeal to the Bank within 15 days period after receiving the account statement. The statement is considered accepted by the Bank if no appeal has been received within the mentioned period. The appeal is submitted to the Bank in the form of written application. The Bank proceeds the appeal received in due time, by performing actions applicable by the local and international payment system.
23. If the card is lost the client must within the possible shortest period through a phone call or other applicable way notify:
- “ArmenianCard” CJSC processing center, calling on 24 - hour phone number (010) 592222 or
- Call center of the Bank on (010)59 33 33 phone number which operates 24/7
- Visit any branch of the Bank with ID document
Operations through the card will be immediately suspended in case the Bank gets notice from the customer about losing the card. After the card is lost, the Bank isn’t liable for the harm caused to the cardholder, until the Bank is given a notice about the loss.
After the card suspension, the client must visit the Bank and submit written application, based on which the Bank should provide a new card to the client within 2-5business days. Details are available in the Bank’s rules for maintenance of payment card: Rules.
24. The card service is terminated before the expiration date and the card account is closed according to the cardholder's written application. The card account balance is returned to the customer. The card must be returned to the Bank.
25. Notice: the interest amounts with respect to the customer’s account balance are calculated on the basis of the nominal annual interest rate. The nominal interest rate indicates how much interest would the client gain given the interest amounts and other payments with regard to the deposit were paid to him/her on time and in the defined amounts. The annual interest income calculation procedure is available: Calculation of Annual interest income.
How to calculate interest․
Date of crediting the card: 01.08.2018
Credited amount: 100,000 AMD
Annual interest rate: 4%
Payment of interest amount: at the maturity,
term during which the amount remains on the card – 365 days
Tax on income – 10 %
Calculated interest amount: 100,000 x 4% : 365 x 364 = 3989.04
Tax on income amount: 3989.04 x 10% = 398.90 AMD
26.   For cash withdrawal from ATMs and pos terminals of other banks, additional fee may be applied by the bank, which carries out the service of the given ATM or pos terminal.
27.   For card to card transactions made through ATMs of other banks, additional fee may be applied by the bank, which carries out the service of the given ATM.
28.   3D Secure information security system is applied for the transactions carried out through cards in virtual environment. When making any transaction through the card it is necessary to pay attention to identification verified by the payment system (For Visa Verified by Visa, for Mastercard verified by MastercardSecureCode, for ArCa verified by ArCaSecurePay). The Bank shall not be held liable for failure of a transaction if such failure was due to not receipt of 3D Secure security code for any technical reason or any reason beyond the Bank’s control.
29.   The list of branches and ATMs of the Bank, information on their locations and working hours can be found: Branches and ATMs.
30.   Remote service by the Bank is provided through online system the information on the terms and tariffs of which can be found: Public terms of providing remote banking services.
31.    Any other provisions with regard to use, maintenance, closing, reissue security, claims of transaction carried out through the cards, which are not included in this information bulletin, are the same as stipulated by the Rules, respective agreements on issuance, provision and maintenance of payment cards by and between the Bank and the cardholder, internal legal acts and the rules of the Bank and the Rules of payment and settlement systems (ArCa, Visa, Mastercard).
32.   The customer should not be included in the list of unwanted customers of the bank. the legal relations regarding the classification of the bank as an unwanted customer are regulated by the procedure "Оn defining the criteria of classification of a client as unwanted and management of relations with them".
33. Return of funds available on card account is guaranteed by the RA Law on “Guarantee of Remuneration of Bank Deposits of Physical Entities”.

Reimbursement of bank deposits of physical entities in “ID Bank” CJSC is guaranteed by the “Deposit Guarantee Fund of Armenia” in the amounts of deposits subject to reimbursement, particularly:


Currency structure of deposit

If you hold only a dram denominated deposit with the same bank

If you hold only a foreign currency denominated deposit with the same bank

If you hold dram and foreign currency denominated deposits with the same bank

If the dram deposit amount exceeding 7 million Armenian drams 

If the dram deposit amount doesn’t exceed 7 million Armenian drams

Maximum amount of guaranteed deposit

16 million Armenian dram

7 million Armenian dram

16 million Armenian drams  (only the dram denominated deposit will be guaranteed)

7 million Armenian drams 
(the dram denominated bank deposit will be guaranteed entirely, and  the foreign currency denominated bank deposit - for the difference between 7 million Armenian drams and the remunerated dram denominated bank deposit)


The page was updated 02.07.2021 12:53
The following documents should be presented to the Bank to get “Caring” card:

  •           ID document          

  • Social card (reference on non-receiving social card)

The page was updated 03.11.2020 08:35
Attention: The Bank does not bear any responsibility for the inaccuracy of information on the linked web sites, nor does it accept any responsibility for the advertisements therein or possible consequences arising out of use of information provided on the linked web-sites. In case of any discrepancies in the website materials in Armenian, Russian and English languages, the Armenian version is prevailing.