Visa Gold debit

Pay and withdraw cash at 0% via Visa Gold debit card

Visa Gold debit
Card currency
֏, $, €, ₽
Annual service fee
8,000 ֏ per year / 700 ֏ per month
Validity term
5 years

General

General
Tariffs
Documents
FAQ
Visa Gold debit

Pay and withdraw cash at 0% via Visa Gold debit card

Use the wide scope of advantages of premium class Visa card by paying as low as AMD 8,000 a year. Order the card through Idram&IDBank application or IDBanking.am platform and receive 20% discount for the service fee for the first year by paying AMD 6,400 instead of AMD 8,000. Cash withdrawal with Visa Gold card from all ATMs of ArCa system is free of charge. Visa cards are accepted worldwide.

The advantages of your card

Ability to order online
Oder the card by simply completing the online application
Free attached card
The attached card is provided to Visa Gold cardholders free of charge
Free cash withdrawal
In ATMs of IDBank and all banks of ArCa system
International recognition
Visa cards are accepted practically throughout the world

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The card is provided and served free of charge

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Visa Gold debit
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 credit now, pay later, without a clear schedule. Rocket Line is a pre-approved limit - maximum 10,000,000 AMD, which you can use for non-cash payments. Your credit obligation will be in the amount used only, starting from the time you began to use the money. Rocket Line is available for Idram&IDBank Premium Plus users who have synchronized Idram and IDBank accounts. See your limit in IDBanking.am, Idram&IDBank application or Idram.am website. You can use Rocket Line 0% when making payment with hundreds of partners, without any interest rate or additional payment.

Visa Gold debit - Special offers
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
Annual card account service fee
8,000 AMD
Monthly card account service fee
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
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%
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
Re-issuance of expired card
free
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 ACRA 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
Fee for non-cash transactions with cards
Free
Daily cash withdrawal limit
5,000,000 AMD

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
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
Commission for cash withdrawal at cash points (POS-terminal) of the Bank
AMD, RUR - 1%,

USD, EUR - 3%
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 - 3.5%

other dispensing points - 3.5%, 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%
In case of cash withdrawal via Apple pay, the cash withdrawal tariff for ATMs and cash points of banks that are not members of the ArKa system, as well as foreign banks, is established
1.5% at least AMD 1500

Tariff archive

Tariffs effective from 23/12/21
397.22 KB
Visa Gold debit required documents
69.37 KB
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.
Visa Gold card's annual percentage yield amounts to 4․07%՝ for USD, 1% for USD, 0,1% for EUR, 1% for RUB, if the positive balance of the corresponding account exceeds the minimum amounts presented per currencies. More details - link to the information bulletin on the new website.

Order online

The card is available in ֏ $ € ₽
Available within 2-5 banking days
Urgent issue in 1 banking day

Code
+374 (Armenia)
+375 (Belarus)
+7 (Russia)
+32 (Belgium)
+1 (USA)
+1 (Canada)
+49 (Germany)
+86 (China)
+995 (Georgia)
+380 (Ukraine)
+33 (France)
+39 (Italy)
+34 (Spain)
+971 (UAE)
Nationality
Armenia
Russia
Ukraine
Belarus
Other
Branch
Vanadzor branch
"Echmiadzin” branch
Davtashen branch
Gyumri branch
IDBank Head Office
Abovyan branch
“Vardanants” branch
"Shengavit" branch
"Nor Nork" branch
"Malatia" branch
"Centre" branch
"Baghramyan" branch
"Arabkir" branch
"Erebuni" branch
Passport / International passport
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File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
Unacceptable file
KYC questionnaire
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Unacceptable file
Proof of income
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File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
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Residence card in Armenia OR certificate of ownership of residential property in the name of the applicant with a certificate of residence*
(*not required for clients of Armenian origin)
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File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
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Аn employment contract with an Armenian employer*
(*not required for clients of Armenian origin)
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Other documents
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Information updated 24.11.2022 04:09
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