Terms and conditions of the overdrafts to the cardholders of Diners Club International Young Professional


RA citizen and resident individual, with the employer of which the Bank carries out a salary project or the employer of which has a positive business reputation/high rating or whose revenue is acceptable for the Bank   

Overdraft currency



Overdraft maximum maturity

36 months

Annual interest rate

USD - 12%

EUR - 11%

Overdraft amount

Based on the credit rating, however, not exceeding USD 3.000  or EUR 2.000  

Overdraft disbursement mode

By payment card with cash-out capacity

Interest repayments


Overdraft repayments

Monthly,  equal amortization

Annual interest rate on past-due overdraft principle 

CBA reference rate

Penalty on past-due interest     

0.07% daily

Penalty on past-due overdraft

0.06% daily

Payment card effective period

36 months

Annual service fee of the payment card

In compliance with the rate effective in the Bank  

Card service fee shall be charged once for the whole effective period of the card  

Requirements to the credit history of the Borrower   

Lack of past-due (except for repaid guarantees) or classified liabilities with the total of past-due liabilities not exceeding 30 days  within 24 months prior to the loan application                    

Required documents

Passport and social security card

Reference from the place of employment regarding position, salary and work experience in the given company  

SMS service

terms and conditions

*SMS on card expiry

*SMS on loan or overdraft expiry date upon customer request

*SMS on the deduction date and amount of the line of credit or overdraft upon customer request

*SMS on annual service fee

*SMS on the monthly repayment of loan or overdraft upon customer request




    AMD 30.00