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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.
50% discount is applied for the first-year account service fee for online ordered cards.
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 27.10.2020 09:23

Visa Debit cards

Visa international payment card system

by Decision No 486-L of the
Management Board of “IDBank” CJSC
as of November 27, 2020
Enters into force starting December 1, 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.


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 interest rate calculated upon card account balance

Annual simple interest rate

AMD 4%
USD 1%
Euro 0.1%
RUR 1%

AMD 5%
USD 1.25%
Euro 0.1%
RUR 1.5%

Annual percentage yield

AMD 4.07%
USD 1%
Euro 0.1%
RUR 1%

AMD 5.12%
USD 1.26%
Euro 0.1%
RUR 1.51%


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 post3 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

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 through the ArCa application)

Through ATMs and virtual cards


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


In case of transfers via and Idram platforms from card accounts of the synchronized cardholders of the Bank to the cards of the Bank



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 validity6


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. 50% discount is applied for the first-year account service fee for online ordered cards.
4The service is available for transactions above 500 AMD/1 USD/100 RUR.
5Cashback 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, and 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, 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 web site 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 are 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 Bank and the customer are settled through negotiations. Disputes arising between the Parties can be settled  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. Do not forget to take ID document.
12. Card is provided to the client within 5 banking days after submitting the application to the Bank and after signing the maintenance agreement. Card application may be submitted at any branch of the Bank or online (through IDBanking system or Idram application).
13. 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.
14. The client is also given an envelope with special PIN code inside or 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. It is recommended to keep the PIN code away from the card.
15. The card is activated by the Bank within one business day after the cardholder receives the card and the PIN. The card, which was ordered online, can be activated by the customer through IDBanking online system or Idram application.
16. Upon the expiration of validity term, the card is re-issued by the consent of the cardholder within 5 business days after the date of respective application.
17. Transactions through card can be made with the currency of the card account, as well as with a currency different from the one of the card account, according to the currency rate set by the Bank for the date of the transaction.
18. The Bank is not liable for loss incurred due to difference of the exchange rates because of the transaction amount exchange to the currency of the account.
19. 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.
20. 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.
21. Based on a court decision the compulsory law enforcement and tax authorities may charge facilities without the instruction of the account holder.
22. 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.
23. 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.
24. 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.
25. 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 in 24/7 regime or
✓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 days provide a new card to the client within 5 business days. Details are available in the Bank’s rules for maintenance of payment card (hereinafter referred to as the Rules): Rules.
26. 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.
27. 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 is closed on the initiative of the Bank, by charging fee equivalent to the balance available on the account.
28. Notice: the interest amounts with respect to the customer’s account balance are calculated based on 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.
29. The annual interest income calculation procedure is available: Calculation of Annual interest income.
30. How to calculate interest:
Date of crediting the card: 01.08.2018
Credited amount: AMD 100,000
Annual interest rate: 4.5%
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 4.5%: 365 x 364 = 4487.67 AMD
Tax on income amount: 4487.67 x 10% = 448.77 AMD
Income received by the cardholder:   4038.90 AMD
31. 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.
32. 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.
33. 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 ArCa SecurePay). The Bank is not 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.
34. The list of branches and ATMs of the Bank, information on their locations and working hours can be found: Branches and ATMs.
35. Remote service by the Bank is provided through online system the information on the terms and tariffs available: Public terms of providing remote banking services.
36. 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.
37. 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, 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).
38. Prior to concluding an agreement, the Bank must provide the customer with the Rules.
39. 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 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)

Additional terms applicable for VISA Platinum, VISA 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, from the airplane to the car and vice versa, entry permit related assistance upon arrival, etc.
3. Lounge Key program – opportunity of business lounge entrance in all airports.
4. Up to USD 500.000 (five hundred thousand) insurance for the Signature cardholder and 1.000.000 (one million) for the Infinite cardholder family members (spouse, children, up to 5 members) travelling with the cardholder, if 50% and more travel fees are paid through card. Insurance includes medical indemnity, baggage loss, flight delay, accidents, etc.
5.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).
6. Special discounts and benefits worldwide.
7. Up to 12% discount for the bookings on website (
8. Privileged conditions for booking with VISA Luxury Hotels Collections package (
9. Up to 35% discount for car booking on website (
10. Global Customer Assistance individual service: immediate card blocking, card replacement, cash disbursement in special situations.
11. Information on other benefits of Premium class Visa card are available:


The page was updated 02.12.2020 14:27
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.