Online Banking
Card cover

Diners Club Young Professional

Diners Club Young Professional plastic card is designed for accomplished professionals and young managers.

  • Concierge service

    3 calls per year free of charge Each subsequent call: AMD 2000

  • Annual maintenance fee

    AMD 12.000

  • Currency


Service fees



Card issue

Free of charge 
Annual maintenance fee

AMD 12,000

Required balance N/A
Account statement Free of charge
Current statement issue Free of charge
Additional (linked) card issue Free of charge
Annual service fee of the linked card AMD 2,000 
New card issue, in case of loss or damage of a card and in case of loss of a PIN code AMD 2,000 
Cash out from ATMs and POS terminals of AraratBank OJSC 0%
Cash out abroadabroad 3%
Cash withdrawal from AraratBank 's cash desk, without the use of the card 3%
Non-cash transactions Free of charge
Annual interest accrued over the positive balance of card account AMD 1%
USD 0%
EUR 0%
RUB 0%
GBP 0%
Card blocking Free of charge
Card deblocking AMD 1,000 
Number of daily cash-out transactions 10
Total maximum amount of cash out transactions permissible within one day AMD 2,000,000
USD 5,000
EUR 4,000
RUB 161,000
GBP 3,000
Total maximum amount per transaction AMD 1,500,000
USD 3,000
EUR 3,000
RUB 90,000
GBP 2,500
Total maximum amount of transactions permissible within one day AMD 4,000,000
USD 10,000
EUR 7,000
RUB 322,000
GBP 6,000
Card-to-card, commission charged on account / card transfer from account 0%
Annual interest accrued over the line of credit/overdraft USD
according to current tariffs
SMS messages on executed transactions AMD 30
Grace period of credit line / overdraft USD according to current tariffs
Cash deposit in card account 0%
Airport lounge fee according to Diners Club tariffs
Concierge service fee Three calls per year – free of charge. Each next call – AMD 2000
The issued plastic card and the card account shall be active from the moment the card has been issued

* including VAT

Commission fee charged for cash withdrawals from AraratBank  POS terminals by cards issued by other banks 2% of withdrawn amount

Upon receipt of the card the customer shall:

  • sign on the reverse of the card
  • sign both the Agreement and notification
  • sign in the field designated for PIN code

Dates for crediting funds to card accounts:

  • Funds credited to accounts between 17:30 of the previous business day and 9:30 of the following business day shall be activated by 10:30 of the given business day․
  • Funds credited to accounts between 09:30 and 13:30 of the given business day shall be activated by 14:00 of the given business day.
  • Funds credited to accounts between 13:30 and 17:30 of the given business day shall be activated on the same business day within an hour․
Required documents
  • Passport
  • Social security card


Travel insurance



Benefit Limit per Cardholder per event Excess per Cardholder per event in EUR / Time

Medical and Travel Assistance Services

Benefit limit not applicable to this section

Not applicable

Emergency Medical, Evacuation and Repatriation Expenses

Medical expenses

Evacuation and Repatriation expenses/ Transportation of Mortal Remains/ Return of Dependent Children

EUR 30,000

Not applicable

Personal Accident Common Carrier

EUR 30,000

For children aged 16 and under  death benefit is limited to EUR 3,000


Not applicable

Hospital Daily Benefit

EUR 50

48 hours

Inconvenience Benefits

Loss of Baggage

EUR 500 EUR 50


EUR 1,000 EUR 100

Travel delay

EUR 40

4  hours

Baggage delay

EUR 40 4  hours

Document replacement

EUR 1,000  Not applicable

Legal Expenses

EUR 1,500  Not applicable


Compensation payable in respect of Personal Accident
Death  100% of sums above
Total and irrecoverable loss of sight of one or both eyes  100% of sums above
Loss of one or two Limbs  100% of sums above
Permanent Total Disablement (other than above)  100% of sums above

*Benefit shall not be payable under more than one of the items above in respect of the consequences of one Accident.

Travel Insurance

Concierge service

Follow the Armenian version

Important to know
  • If you enter your PIN incorrectly three times, the ATM will automatically confiscate your card. In case your card is confiscated, you have to apply immediately to the bank, which owns the ATM or you can give a call to AraratBank  at  54 23 23.
  • When you get your card you have to put your signature in a corresponding field. Lack of signature or its mismatch to the original one is a legitimate basis for rejecting to implement an operation with your card and for confiscating it.
  • When you get your card you have to sign in a corresponding field. The lack of signature or its mismatch to the original one is a legitimate basis for rejecting your card service as well as for confiscating it.
  • PIN code is required to get cash from ATMs and to execute transactions via electronic terminals.
  • If you lost your card or for any reason it was confiscated by ATM, you must immediately inform AraratBank K about the loss of your card by calling at  54 23 23 or ArCa payment system center at 59 22 22.
  • While executing transactions in USD, EUR, AMD, RUB and GBP through MasterCard/VISA system cards issued by AraratBank , the bank exchange rate as of the transaction date shall be applied while calculating transaction amount, transactions in other currency shall be calculated following MasterCard/Visa system rules.
  • Cardholders may file a complaint on transactions reflected on the statement within 30 days after they have received the statement. The statement shall be deemed agreed with a cardholder, if the latter has presented no objection during the mentioned period. Any claims raised by the cardholder, the latter shall apply to AraratBank  head office or any of its branches with passport and fill in the transaction complaint, after which the Bank shall carry out relevant examination and submit written substantiation on accepting or rejecting the complaint no later than within 60 days after the complaint has been received.
  • In case the card is lost, the Cardholder shall immediately inform the Bank. Based on the Customer request and on the account of the Cardholder funds, the Bank can place the Card in the block list of international settlement system until the card expiry or for certain periods. Cardholders shall bear the risk of adverse effects of the transactions (including unauthorized transactions) executed by effective card within the period the card hasn’t been placed in the block list of international settlement system based on the Customer request and on the account of the Cardholder funds and in case Cardholders fail to inform the Bank about the card loss.
  • The Bank shall not be held liable for the losses incurred by cardholders as a result of fraud transactions executed by card through internet, POS terminals, ATMs and/or technical means and/or virtually․
  • The Bank shall not be held liable for the losses incurred by cardholders, if the card occurs in the hands of other person, if the card or card data (including card number, card account number, card password, PIN code and CVV code) become known to other persons.
  • The Bank shall not be held liable for the losses incurred by cardholders due to malfunction of the internet, ATMs, POS terminals and connection breakdown or other technical problems, except for cases when cardholders withdraw funds from POS terminals or ATMs but do not actually get the money, though the funds have been de facto debited from the card account.

Please follow the Armenian version

Financial assistant
ABC finance

Page updated 14.01.2021 | 14:44

In case of discrepancy between Armenian and English versions of the information, the priority is given to the Armenian version.