Visa Digital

A virtual card living in your smartphone

Visa Digital
Card currency
֏, $, €, ₽
Annual service fee
0 ֏ or 2․000 ֏
Validity term
3 years

General

General
Tariffs
Documents
FAQ
Visa Digital

Visa Digital is a new generation banking card which is completely digital. The virtual card is always with you, impossible to lose or damage. It is especially convenient for online purchases. IDBank's Visa Digital is a unique virtual card which has an opportunity of a credit line with up to 45 days of grace period. The virtual card is available everywhere, fast, secure and ecologically safe. Order the Visa Digital virtual card from IDBanking.am platform or "Banking" section of Idram&IDBank application and receive it within 2 business days.

Available everywhere
You can order the card from anywhere without visiting the Bank
Ecologically safe
Virtual cards significantly reduce the plastic circulation
Fast issuance
You receive the card within 2 business days
International recognition
The cards are accepted practically worldwide
It is secure
The card is impossible to loose, the card details are not visible while making payments

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Transfer
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Free cash withdrawal
Cash withdrawal from IDBank's ATMs and encashment points is free of charge.
Remote transfer
The amount is transferred to the card without visiting the bank, simply with a phone call
Free service
The card is provided and served free of charge

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Idram Rocket Visa
Free card with cashback

Free delivery
If you order online the card will be delivered free of charge
Up to 1% cashback
0,5% or 1% cashback is applied to a number of non-cash payments
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The card is provided and served free of charge

Compare products

Visa Digital
Visa Digital
You can order the card from anywhere without visiting the Bank
You receive the card within 2 business days
The cards are accepted practically worldwide
Idram Rocket Visa
0,5% or 1% cashback is applied to a number of non-cash payments
Order the card by simply completing the online application
The card is provided and served free of charge

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 Digital - Special offers
Card type
Visa Digital debit card (the card can be used only for online transactions which do not require the physical availability of the cards)
Card operation term
3 years
Card currency
AMD, EUR, USD, RUB
Card issuance within 1-2 banking days
Free of charge
Annual card account service fee
Free for cards denominated in Armenian drams

AMD 2000 for cards denominated in foreign currency
Non-decreasing balance of card account
Not defined
Interest calculated towards positive balance of the card account
0%
Card input in the international STOP list (one region for 7 days)
AMD 10,000
Commission for non-cash transactions through the cards
Free of charge
Monthly provision of card account statement in the Bank or by post, e-nail
Free of charge
Additional provision of card account statement in the Bank or by post, e-mail
AMD 1,000
Card account replenishment
According to the tariff defined by the Bank for the given day
Cash withdrawal from the card account from the Bank's cash points without using the card
According to the tariff defined by the Bank for the given day
Fee for each SMS
AMD 15
Fee for each PUSH notification
Free of charge
Card blocking, unblocking
Free of charge
Commission for card-to-card transfers
Through ArCa application: 0.5%.

In case of transfers through IDBanking.am and Idram platforms from card account of cardholders of the Bank who have passed synchronization to ArCa system members? cards : 0.5%.

In case of transfers through IDBanking.am and Idram platforms from card account of cardholders of the Bank who have passed synchronization to other cards of the Bank: Free of charge
Commission for permanent and temporary revision of commission limits
AMD 1,000
Card account closure
Free of charge

Tariff archive

Tariffs effective from 23/12/21
212.33 KB
Tariffs effective from 04/03/22 to 30/05/2022
265.70 KB
Visa Digital required documents
69.35 KB
Visa Digital virtual card is issued in AMD, EUR, USD, RUB currencies. Only one card can be received in each currency.
Visa Digital card does not provide the ability to issue attached cards.
Since cash withdrawal can be performed only in the branches there is no daily limit or daily number of cash withdrawal transactions defined.
No income is calculated against the positive balance of the card account.
IDBank's Visa Digital card is available everywhere, it serves the client even at places where there are no IDBank branches. The card can be used for money transfers, online payments on the internet, as well as making QR/NFC contactless payments with the smartphone as a source of financial means in trade points cooperating with Idram. It is absolutely free of charge, completely secure in both financial and ecological terms, no additional plastic is used for the card since the card lives in the client's smartphone.
Virtual cards are issued online and are equivalent to plastic cards in terms of their functionality, but they are meant to make cardholder's online payments experience more comfortable. They can be used for money transfers, online payments on the internet, as well as making QR/NFC contactless payments with the smartphone as a source of financial means in trade points cooperating with Idram.
Only online transactions can be performed with the card which do not require physical presence of the card.
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/THE BANK CONTROLLED BY THE CENTRAL BANK OF ARMENIA/
Information updated 03.05.2022 09:10
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