ArCa card
General
The advantages of your card
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ArCa card
Annual service fee as low as AMD 1500.
The system is all Armenian.
Order the card by simply filling out the online application
Transfer
The card is provided and serviced free of charge
Cash withdrawal from IDBank ATMs points is free
The money is transferred to the card without visiting the bank by phone
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
2 years
Urgent issuance (within 1 business day)
5,000 AMD
Annual card account service fee
AMD 1,500
Card account minimum balance
Not specified
Annual simple interest rate calculated against card account balance
Annual simple interest rate: 0%
Annual percentage yield: 0%
Annual percentage yield: 0%
Issuance of duplicate card in case the card or the PIN code is damaged, or is invalid , stolen or for the same validity period
AMD 1,000
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 post 3 or e-mail
1,000 AMD
Fee for each SMS
AMD 15
Fee for each PUSH notification
Free of charge
Providing additional card
Free
Annual service fee for additional card
1,000 AMD
Replenishment of cardaccount
according to the tariff set by the Bank for the given day
Cash withdrawal fee (from the Bank’s ATMs)
0.5%
Cash withdrawal fee (from the Bank’s cash withdrawal points, POS terminals)
according to the tariff set 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
1%
Fee for card to card transfer (through ATMs and virtual card)
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
Free
Daily cash withdrawal limit
AMD 500,000,
USD/ EUR 1,000,
RUB 50,000
USD/ EUR 1,000,
RUB 50,000
Limit for cash withdrawal transactions per day
10
Fee for temporary or permanent change of the limit
AMD 1,000
Closing of the card account and card return
Free
Commission for withdrawing cash from the Bank's ATMs
0.5%
Cash withdrawal from ArCa system other banks’ cash withdrawal points
1%
Commission for cash withdrawal at cash points (POS-terminal) of the Bank
AMD, RUR - 1%,
USD, EUR - 2%
USD, EUR - 2%
Commission for credit lines
The above cash disbursement rates apply
Commission in case of cash withdrawal of loans provided in US dollars
1.5%
ArCa card Information bulletin In order to replace, reissue the card it is necessary to visit the closest IDBank branch with an identity document and fill in the card replacement/reissuance application. Card reissuance application should be submitted in case of loss, theft of the card, or when the card details become available to third parties, or in case of any suspicious transaction.
The cards are provided in AMD, USD, EUR, RUB currencies. The card operation term is 2 years.
Yes, you can order the card you prefer from IDBank's official website.
Yes, it is safe to use the payment cards since all the security systems complying with international standards are developed and introduced. In the meantime it is necessary that the client also follows the safety rules. The card's PIN code as well as the CVV/CVC code should be kept confidential, and in case of violation or suspicion of violation of safety rules, it is necessary to immediately apply to the Bank.
Notification of transactions on IDBank cards is possible in two ways:
- Free PUSH-notifications directly through the Idram&IDBank app
- paid SMS
The cost of SMS is AMD 15. Inside the application, it is possible to independently define the minimum limit of transactions for which notifications will be sent.
- Free PUSH-notifications directly through the Idram&IDBank app
- paid SMS
The cost of SMS is AMD 15. Inside the application, it is possible to independently define the minimum limit of transactions for which notifications will be sent.
Arca Classic cards are cards of local payment system which are provided to resident entities. Moreover, the Bank's cardholder can be a physical entity over 14 (fourteen) years old.
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