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Idram Rocket Visa 0.5% cashback | Free annual service

Idram Rocket Visa

Idram Rocket Visa payWave card

Why you need to get Idram Rocket Visa payment card.

  • The card is provided free of charge, with no annual service fee.
  • You can get 0.5% cashback for each transaction any time you make an online purchase with a card at the sale points and on the Internet.
The card can be ordered online via the system IDBanking, the Idram website, the Idram mobile app and at the branches of the Bank.
The payment card is provided to the owner in the branches of the Bank, as well as via delivery.

  • Annual service
  • Cashback for purchases
  • Currency

Use the money from your card account, make non-cash purchases at commercial outlets and in the internet, get 0.5% chashback for each transaction. The card can be ordered online, from IDBanking system, Idram's website, Idram mobile application or in the branches of the Bank and, if you prefer, you can get it via delivery, within 2-5 business days after ordering the card online. Card account opening is free of charge.
Co-branded cardholder can be a physical person above 14 (fourteen), who uses a payment card issued by the Bank or who has applied for a Bank card.

Order your card now
Idram Rocket Visa
Card account annual service fee 0 AMD
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The page was updated 27.05.2021 15:57

Idram Rocket Visa Card


by Decision N 246-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 at 010 593333 or 060 273333.


Type of the card

Idram Rocket Visa card


Card currency



Card issuance within 5 business days1



Validity term 

5 years


Urgent  issuance (within 1 business day)2

AMD 5,000


Opening of card account



Annual card account service fee



Card account minimum balance 

Not specified


Annual interest rate calculated against card account balance



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

AMD 2,000


Re-issuance of expired card



Card blocking 



Card unblocking 



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

AMD 10,000


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,

AMD 1,000


Fee for each SMS4



Replenishment of card account



Replenishment of card account through Idram application



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 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


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



Daily cash withdrawal limit

AMD 2,500,000


Limit for cash withdrawal transactions per day



Fee for temporary or permanent change of the limit 

AMD 1,000


Closing of the card account and card return



Cashback for purchases



1Card is activated according to “Payment cards service” terms of the Bank (hereinafter Terms), mentioned in the link, as well as through Bank  ATMs, according to the link.
2Urgent issuance of card is available at Vardanants branch only. Address: Vardanants 13, c. Yerevan, RA, tel.: (+37410) 59 33 33, (+37460) 27 33 33.
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 cardholder according to the fees applicable by the Bank.
4The service is available for transactions above 500 AMD.
5The Cashback specified herein is not paid for purchases made in the following trade and service points: communication services, utility service, e-money, payment to state bodies (taxes, duties other payments), charitable contributions, other services rendered by the banks and financial organizations.
6Cashback for transactions made throughout the given month are calculated and paid on or before the 5th day of the following month. Income tax is calculated and paid to the state RA state budget according to the procedure and in the amount specified by RA Law on Tax on Income.

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, as well as other tariffs, 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. Don’t 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 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.
15. The card is activated by the Bank within 1 business day after the cardholder receives the card and completes the actions mentioned above. The card, which was ordered online, can be activated by the customer through IDBanking online system or Idram&IDBank application.
16. 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.
17. 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.
18. 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.
19. On the basis of a court decision the compulsory law enforcement and tax authorities may charge facilities without the instruction of the account holder.
20. 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.
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 24/7 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 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.
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 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, on the basis of 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
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 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.
26. The annual interest income calculation procedure is available: Calculation of Annual interest income.
27. 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
28. 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.
29. 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.
30. 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.
31. The list of branches and ATMs of the Bank, information on their locations and working hours can be found: Branches and ATMs.
32. 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.
33. 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.
34.     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).
35. Prior to concluding an agreement the Bank must provide the customer with the Rules.
36.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".
37.  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 “IDBank” 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 exceeds 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)   


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The page was updated 09.12.2021 17:36
The following documents should be submitted to the Bank to get Idram Rocket Visa card

  • ID document

  • Social card (SSN)

The page was updated 22.04.2019 15:17
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.