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Visa Debit cards

Visa international payment card system

  • Annual service fee
    5 000-99 000 AMD
  • Currency
    Armenian dram, US dollars, EUR, Russian RUB
  • Annual interest rate for the positive balance

Make use of your card account, make non-cash purchases in trade points and Internet environment. You can get the card in 2-5 business days after the card application date. Card account is opened free of charge.
Any physical person above 14 (fourteen) may become the Bank’s cardholder.

Order your card now
Visa Gold (Debit)
Visa Signature (Debit)
Visa Infinite (Debit)
Card account annual service fee 5000 AMD
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The page was updated 15.07.2020 09:13

Visa Debit cards

Visa international payment card system

by Decision No 46-Լ of the
Management Board of “IDBank” CJSC
as of February 10, 2020
Enters into force starting February 18, 2020

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.

Debit payment cards
Information bulletin

Type of the card

Visa Gold

Visa Signature

Visa Infinite


Card currency

Armenian dram, EUR, US dollar, Russian RUB


Card issuance within 2-5 business days1



Validity term

5 years


Express issuance (within 1 business day)2

5,000 AMD


Annual card account service fee

5,000 AMD

69,900 AMD

99,900 AMD


Card account minimum balance

Not specified


Annual simple interest rate calculated upon

card account balance

AMD 4%

USD 1%

EUR 0.1%

RUB 1%

AMD 5%

USD 1.25%

EUR 0.1%

RUB 1.5%


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

2,000 AMD

24,900 AMD

49,900 AMD


Re-issuance of expired card



Card blocking



Card unblocking



Keeping the card in the international STOP list (for 7 days period in one region)

10 000 AMD


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



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

1,000 AMD


Fee for each SMS4



Providing additional card



Annual service fee for additional card

2,900 AMD

24,900 AMD

49,900 AMD


Replenishment of card account

Free for AMD, USD, EUR

For RUB – according the tariff determined by the Bank as of the given day


Cash withdrawal fee (from the Bank’s ATMs)



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



Cash withdrawal from the Bank’s cash withdrawal points, without the use of the card

According to the fees established for cash withdrawal from withdrawal points (POS terminals) for each card type


Cash withdrawal from ArCa system other banks’ cash withdrawal points



Cash withdrawal fee from the ArCa system other banks’ cash withdrawal points (POS terminals)



Cash withdrawal fee for the withdrawal with the use of cards from ATMs of foreign banks and banks not being members of ArCa system

1.5%, minimum 1,500 AMD


Fee for card to card transfer (through ATMs and virtual card)



Fee for non-cash transactions with cards



Daily cash withdrawal limit

5,000,000 AMD,

10,000 USD/EUR

500,000 RUB


Limit for cash withdrawal transactions per day



Fee for temporary or permanent change of the limit

1,000 AMD


Closing of the card account and card return



Cashback for purchases made through Pos terminals certified by ArCa system (including internet environment) 5




Cashback for purchases made through Pos terminals not certified by ArCa system (including internet environment) 5




Opening current account with the same currency



Connection to IDBanking online system



Free rent of small personal safe boxes offered by the Bank for each year of the card validity 6


90 days

180 days


Privilege Banking





Private Banking





Discount for Idworking entry packages





Travel Insurance7





Free Visa Lounge Key program8


4 entries

6 entries


More benefits of Visa Premium class card

1The card is activated according to the Bank’s Rules of maintenance of payment cards (hereinafter referred to as the Rules), which is available:: Rules.
2Express issuance of card is available in Vardanants branch only. Address: Vardanants 13, c. Yerevan, RA, tel.: +37410 593333,, +37460 273333.
3Account statement is provided within and out of the territory of the Republic of Armenia upon the existence of available funds on the card account of the card holder according to the fees applicable by the Bank.
4The service is available for transactions above 500 AMD.
5 Cashback is not paid for the transactions in the field of the following services: telecommunications services, utility services, e-money, payment to state bodies (taxes, duties, other payments), charitable donations, other services provided by banks and other financial organizations, as well as transactions made through cards denominated in EUR. Cash back for transaction carried out in the given month is calculated and paid on or before the 25th day of the following month. Cash back is taxable according to the RA Law On Tax on income.
6Cashback is available in all branches of the Bank (with the exception of Erebuni, Davtashen, Malatia, Abovyan and Vanadzor branches), if free safe boxes are available.
7Free 30 days insurance from “ID Bank” CJSC partner insurance company, effective over 1 year period, for several trips. Insurance coverage territory – worldwide, insurance amount – EUR 30.000 (thirty thousand). Franchise is not applied.
8The number of free entries is determined by the general terms and conditions applicable by Visa system.

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. Fees for salary cards issuance and processing are determined separately, according to respective agreements.
4. The Bank has the right to unilaterally change the size of interest for facilities available on the account upon giving 15 days prior notice on the official website of the Bank.
5. Interest accrued with respect of the balance of card account are paid on monthly basis.
6. Interest on the balance of card account will start 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.
7. 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.
8. 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.
9. 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.
10. 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.
11. In order to activate SMS service and e-mail address, you need to visit any branch of the Bank and fill in the appropriate application. Don’t forget to take ID document.
12. Card is provided to the client within 2-5 banking days after submitting the application to the Bank and after signing the maintenance agreement.
13. The client is given an envelope with special PIN code inside, either the customer will have to put the card into the ATM and select “Activate card” button. Then the customer will receive SMS containing one-time activation code on his/her phone number, which is registered in the Bank; the customer will have to enter the received code and create PIN code by entering 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. It is recommended to keep the PIN code away from the card.
14. The card and PIN code is activated by the Bank within 1 business day after the cardholder receives the card and the Pin code.
15. Upon the expiration of validity term the cards are re-issued by the consent of the cardholder within 2-5 business days after the date of respective application.
16. 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.

17. The Bank shall not be held liable for loss incurred due to difference as a result of such foreign exchange.
18. All fees shall be charged in Armenian drams. Fees applicable on cards in foreign currency shall be charged in accordance with the exchange rates set by the Bank as of the given date.
19. The rights of the account holder to manage the card account and the cash facilities available thereon, can be restricted on the basis of application presented by the compulsory law enforcement or tax authorities made on the basis of a court decision.
20. On the basis of a court decision the compulsory law enforcement and tax authorities may charge facilities without the instruction of the account holder.
21. In case there are loan obligations between the Bank and the account holder the cash facilities shall be charged from the account without further authorization, in order provided by the loan agreement.
22. 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 24/7 and is free of the risk of losing information in paper as well as ensures confidentiality.
23. 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 to be accepted, 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.
24. 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 calling on 24 - hour phone number (010)59 33 33
✓ 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, on the basis of which the Bank should days provide a new card to the client within 2-5 business days. Details are available in the Bank’s rules for maintenance of payment card (hereinafter referred to as the Rules), by the following link: Rules.
25. 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.
26. In case the account is not being used throughout a year after closing the card, and the card account balance is less than AMD 1000, or equivalent foreign currency, the account shall be closed on the initiative of the Bank, by charging fee equivalent to the balance available on the account.
27. 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 by the following link: Calculation of Annual interest income.
28. How to calculate interest:
Date of crediting the card: 01.08.2018
Credited amount: AMD 100,000
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 AMD
Tax on income amount: 3989.04 x 10% = 398.90 AMD
Income received by the cardholder:   3590.14 AMD
29. Supplementary card provision:
• The cardholder (the main cardholder) can get cards from the Bank, which are supplementary to his card (the main card), both for himself and for a third party. 
• The supplementary card can be different from the type of the main card, however, the class of the card should be either equal to or less than the main card. 
• Transactions made through the supplementary card are recorded and reflected on the main card account. 
• The main cardholder can submit written application to the Bank, in which he/she would specify the daily withdrawal- limit and daily transaction-limit over the supplementary card. 
• Obligations assumed towards the Bank due to transactions carried out by the main and the supplementary cards are considered to be the obligations of the main cardholder. 
• Reissuance of the supplementary card can be done, upon the consent of the main cardholder or the supplementary cardholder. 
• The supplementary cardholders must immediately notify the Bank about the death of the main cardholder, his/her incapability, insolvency, or bankruptcy, and should stop using the card in such cases.
30. 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.
31. 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.
32. 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). 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.
33. The list of branches and ATMs of the Bank, information on their locations and working hours can be found through the following link: Branches and ATMs.
34. Remote service by the Bank is provided thought online system the information on the terms and tariffs of which can be found at the following link: Public terms of providing remote banking services.
35. In order to receive a payment card you need to present the following documents:
✓ Payment card application,
✓ Identity document
✓ Social service number or reference on non receiving SSN.
36. Any other provisions with regard to use, maintenance, security, claims of transaction carried out through the cards, which are not included in this information bulletin, shall be 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).
37. Prior to concluding an agreement the Bank must provide the customer with the Rules
38. Return of funds available on card account is guaranteed by the RA Law on “Guarantee of Remuneration of Bank Deposits of Physical Entities.

Remuneration of bank deposits of ID Bank CJSC to individuals is guaranteed by “Deposit guarantee fund of Armenia” in the amount subject to remuneration, particularly:


Currency structure

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 five million Armenian drams

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

Maximum amount of guaranteed deposit

10 million Armenian dram

5 million Armenian dram

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

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

Additional terms applicable forVISA Signature and VISA Infinite

1. Free international concierge service, which includes 24/7 information provision, ticket booking, and other services through personal assistant.
2. Speed Pass service, form the airplane to the car and vice versa, entry permit related assistance upon arrival, etc.
3. Unlimited airport lounge access through Lounge Key.
4. Up to USD 1.000.000 (one million) insurance for the cardholder
5. Medical assistance worldwide
6. Insurance service, which includes purchase insurance (loss, damage of purchased goods), extended guarantee (24 month guarantee in addition to the original manufacturer’s guarantee for an item purchased).
7. Special discounts and promotions worldwide.
8. Up to 12% discount for booking at (
9. Beneficial terms for booking with VISA Luxury Hotels Collection package (
10. Up to 35% discount for card rent through ( ).
11. Priority Pass card issued and re-issued free of charge. Priority Pass access fee is 15.000 AMD per person, which can vary depending on the airport.
12. Private Global Customer Assistance service: card express blocking, card issuance, card exchange in the terms of emergency.
13. Free 90 days insurance from “ID Bank” CJSC, effective over 1 year period, for several trips. Insurance coverage territory – worldwide, insurance amount – EUR 30.000 (thirty thousand). Franchise is not applied.
14. Information on other benefits of Premium class Visa card are available at


The page was updated 23.03.2020 15:10
The page was updated 19.03.2020 11:40
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.