Visa Gold debit
General
The advantages of your card
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Visa Gold debit
Free cash withdrawal
Ability to order online
Mastercard Gold
ArCa card
PayPass system
The cards are accepted practically worldwide
Order the card by simply completing the online application
Annual service fee as low as AMD 1500.
The system is all Armenian.
Order the card by simply filling out the online application
Special offer
Rocket Line and Rocket Line 0%
Enjoy Rocket Line digital loan of up to 10 million AMD through Idram&IDBank app or IDBanking.am platform. Get now, pay over 60 months. Moreover, you can use Rocket Line 0% when making payment with hundreds of partners, with an actual interest rate of 0%.
Card currency
Armenian dram, EUR, US dollar, Russian RUB
Card issuance within 2-5 business days
Free
Validity term
5 years
Express issuance (within 1 business day)
5,000 AMD
Card account service fee
Annual 8,000 AMD or monthly 700 AMD
Card account minimum balance
Not specified
Annual interest rate calculated upon card account balance, if the daily balance of the respective account exceeds the minimum amounts presented in currencies: Annual simple interest rate
4% In case of exceeding AMD 500,000.
1% In case of exceeding USD 1,000.
0,1% In case of exceeding EUR 800.
1% In case of exceeding RUR 70,000
1% In case of exceeding USD 1,000.
0,1% In case of exceeding EUR 800.
1% In case of exceeding RUR 70,000
Annual interest rate calculated upon card account balance, if the daily balance of the respective account exceeds the minimum amounts presented in currencies: Annual interest yield
AMD 4,07%,
USD 1%,
EUR 0,1%,
RUR 1%
USD 1%,
EUR 0,1%,
RUR 1%
Annual interest rate calculated upon card account balance, if the daily balance of the respective card account does not correspond to the minimum amounts set out in point
Annual simple interest rate: 0% / Annual interest yield: 0%
Annual interest rate calculated upon card account balance, if the daily balance of the respective card account does not correspond to the minimum amounts set out in point
Annual simple interest rate: 0% / Annual interest yield: 0%
Issuance of duplicate card against damaged card, or invalid card, stolen card or PIN code for the same validity period
2,000 AMD
Card change before the expiration date or at the end of the validity period
free*
* - The card is subject to early or at the end of the validity period change free of charge, if the validity period of the card is less than 3 months, otherwise the reissuance/change fee specified in the information bulletin of the given card type applies.
* - The card is subject to early or at the end of the validity period change free of charge, if the validity period of the card is less than 3 months, otherwise the reissuance/change fee specified in the information bulletin of the given card type applies.
Card blocking
free
Card unblocking
free
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
free
Providing additional statement from the card account at the Bank, through post5 or e-mail,
1,000 AMD
Fee for each SMS
AMD 15
Fee for each PUSH notification
free
Providing additional card
free
Annual service fee for additional card
2,900 AMD
Replenishment of card account
According to the tariff defined by the Bank for the given day
Cash withdrawal fee (from the Bank?s ATMs)
0% for withdrawals up to AMD 1,000,000 (equivalent in foreign currency) within a calendar month. 1% in case of withdrawal of funds exceeding AMD 1,000,000 (equivalent in foreign currency) within a calendar month
Cash withdrawal fee from the Bank?s cash withdrawal points (POS terminals)
According to the tariff defined by the Bank for the given day
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
0% for withdrawals up to AMD 1,000,000 (equivalent in foreign currency) within a calendar month. 1% in case of withdrawal of funds exceeding AMD 1,000,000 (equivalent in foreign currency) within a calendar month
Cash withdrawal fee from the ArCa system other banks? cash withdrawal points (POS terminals)
1%
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
Card commission fee for cash in case of non-resident customers (with all cash points)
According to the tariff defined by the Bank for the given day
Fee for card to card transfer
Through ATMs and through the ArCa application 0.5%.
In case of transfers via IDBanking.am 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 IDBanking.am and Idram platforms from card accounts of the synchronized cardholders of the Bank to the cards of the Bank: Free
In case of transfers via IDBanking.am 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 IDBanking.am 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 with cards
Free
Daily cash withdrawal limit
5,000,000 AMD
10,000 USD/EUR
500,000 RUB
10,000 USD/EUR
500,000 RUB
Daily cash withdrawal limit non-resident customers
1,000,000 AMD,
3,000 USD/EUR,
150,000 RUB
3,000 USD/EUR,
150,000 RUB
Limit for cash withdrawal transactions per day
10
Fee for temporary or permanent change of the limit
1,000 AMD
Closing of the card account and card return
Free
Cashback for purchases
0%
Opening current account with the same currency
Free
Connection to IDBanking online system
Free
Commission for withdrawing cash from the Bank's and other banks participating in the ArCa system ATMs
0% - in case of withdrawal of up to AMD 1,000,000 (foreign currency equivalent) within a calendar month,
1% - n case of withdrawal of funds in the amount of more than AMD 1,000,000 RA (foreign currency equivalent) during a calendar month
1% - n case of withdrawal of funds in the amount of more than AMD 1,000,000 RA (foreign currency equivalent) during a calendar month
Commission for cash withdrawal at cash points (POS-terminal) of the Bank
AMD, RUR - 1%,
USD, EUR - 2%
USD, EUR - 2%
Commission for cash withdrawal at cash points (ATM, POS-terminal) of the Bank in case of non-resident customers
From ATMs and cash dispensing points of the Bank and ArCa member banks.
AMD, RUR - 1%
USD, EUR - 2%
Other dispensing points.
AMD, RUR - 1.5%, minimum 1,500 AMD
AMD, RUR - 1.5%,minimum 1,500 AMD
AMD, RUR - 1%
USD, EUR - 2%
Other dispensing points.
AMD, RUR - 1.5%, minimum 1,500 AMD
AMD, RUR - 1.5%,minimum 1,500 AMD
Commission for credit lines
The above cash disbursement rates apply
Commission in case of cash withdrawal of loans provided in US dollars
1.5%
Information bulletin Tariff archive
No commission fee is specified for cash withdrawal from ATMs of other banks of the ArCa system.More information about the limits can be found here:
The card can be ordered in AMD, EUR, USD, RUB currencies.
Yes, you can order the card you prefer from IDBank's official website. You can also order the card from "Banking" section of Idram&IDBank application, as well as IDBanking.am online platform. In case of cards ordered online 20% discount applies to the service fee for the first year.
Order now
The card is available in ֏ $ € ₽
Available within 2-5 banking days
Scan the QR
Order the card through the Idram&IDBank app and get a 20% service fee discount on the first year.
Order the card through the Idram&IDBank app and get a 20% service fee discount on the first year.
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