Visa Gold


 

Visa_Gold.jpg
 
Visa Gold
 
Visa Gold will underline your special status making your any travelling abroad easy. The card is served at any POS-terminals and service points with Visa logotype.

Through Visa Gold card you can make not only payments for purchases and services rendered but also make use of a number of privileges which can make your everyday life easy and brighter. During your travel abroad you will be offered medical and legal aid, and in case the card is lost you can make use of 24-hour Visa information center.

Visa Gold is issued for a 2-year period.


Note
Upon getting familiarized with types of ARARATBANK cards, maintenance rules and rates, the Customer may choose any type of card by submitting copies of passport and social security card and fill in the APPLICATION for the specific type of card and make payments as per the applicable rates of the Bank.

The Bank shall issue the card in 3 (three) banking days.

The customer shall get the card upon availability of passport and social security card.

When receiving the Card the Cardholder shall:

-Sign on the backside of the Card
-Sign the agreement and the notification
-Sign in the space intended for the PIN code

The following will be provided with each card:

-Bank Card maintenance and usage rules
-ATM user guide
-A booklet

The issued plastic card and the card account shall be active from the moment the card has been issued.
 
Issuance and maintenance fees of International Visa Gold plastic cards
 
  Card Currency Gold
Card issuance AMD
USD
EUR
RUB
Free of charge
Annual maintenance fee (AMD) AMD
USD
EUR
RUB
30 000
Minimum balance AMD
USD
EUR
RUB
20 000
75
50
1 800
Account statement AMD
USD
EUR
RUB
Free of charge
Additional statement AMD
USD
EUR
RUB
Free of charge
Additional card issuance AMD
USD
EUR
RUB
Free of charge
Annual maintenance fee (AMD) of additional card
AMD
USD
EUR
RUB
10 000
Issuance of a new card in case of loss, damage and forgetting PIN code (AMD) AMD
USD
EUR
RUB
10 000
Issuance of new temporary card abroad in case of card loss and damage (AMD) AMD
USD
EUR
RUB
120 000
Cash withdrawal in case of lost card abroad AMD
USD
EUR
RUB
70 000
Cash withdrawal at ARARATBANK POS-terminals AMD
USD
EUR
RUB
0%
Cash withdrawal at POS-terminals of ArCa system AMD
USD
EUR
RUB
0.8%
Cash withdrawal abroad, as well as at ATMs of HSBC Armenia, VTB and AREXIMBANK located in Armenia (AMD) AMD
USD
EUR
RUB
1% min 1500
Non-cash transactions
AMD
USD
EUR
RUB
Free of charge
Annual interest rate accrued on the positive balance of card account AMD
USD
EUR
RUB
3%
Card blocking through Bank employee AMD
USD
EUR
RUB
Free of charge
Card blocking through Visa Call Center Service in the event of non-availability of the Bank abroad (AMD) AMD
USD
EUR
RUB
15 000
Card blocking and placement in Card Recovery Bulletin system (Card will be blocked on the forthcoming Saturday, blocking is valid during 2 weeks) (AMD) AMD
USD
EUR
RUB
15 000
Card unblocking (AMD) AMD
USD
EUR
RUB
4 000
Number of daily cash withdrawal transactions AMD
USD
EUR
RUB
10 times
Total maximum amount** of daily cash withdrawal transactions AMD
USD
EUR
RUB
2 500 000
8 000
5 000
224 000
Total maximum amount** of one transaction AMD
USD
EUR
RUB
2 100 000
7 000
4 000
188 000
Total maximum amount** of daily transactions AMD
USD
EUR
RUB
6 000 000
20 000
13 000
540 000
Commission fee charged for card-to-card transfers AMD
USD
EUR
RUB
0.3%
Annual interest rate accrued on credit line/overdraft AMD
USD
EUR
RUB
18%
SMS messages on executed transactions (AMD) AMD
USD
EUR
RUB
Free of charge
Grace period for credit lines and overdrafts AMD
USD
EUR
RUB
-
30 days
30 days
30 days
Visa Call Center Service abroad to receive legal, medical and other consulting services AMD
USD
EUR
RUB
Free of charge*
Visa Call Center Service abroad (AMD per call) AMD
USD
EUR
RUB
4000

*Fee for medical and legal services shall be charged according to the applicable rates of the relevant company
**Amount limits are subject to change on the basis of cardholders’ application
 

Note

Due dates for crediting funds to card accounts:
-Funds credited to accounts till 9.30 on each business day may be withdrawn at 12:00 on the same business day.
-Funds credited to accounts till 9.30-16.30 on each business day may be withdrawn at 18:00 on the same business day.
-Funds credited to accounts from 16:30 on each business day till 9.30 of the next business day may be withdrawn at 12:00 on the next business day.
-Certain deviations from the mentioned dates might occur due to overload of the processing center as e.g. on the first business day of each month.

Note

In case of typing your PIN incorrectly three times ATM will automatically confiscate it. In case of confiscation of your card you have to apply immediately to the bank, which owns the ATM or you can give a call to ARARATBANK on the following numbers - 54 79 58, 54 63 63.

When you get your card you have to put your signature in a corresponding field. The 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.

PIN code is a necessary option for getting cash from ATMs and for carrying out operations in POS terminals.

If you lost your card or for any reason it was confiscated by ATM you must immediately inform ARARATBANK about the loss of your card by calling on the following numbers - 54 79 58, 54 63 63 or ArCa payment system center - 44 03 80.

While executing transactions in USD, EUR and AMD through Visa system cards issued by ARARATBANK, Bank exchange rate as of the transaction date shall be applied while calculating transaction amount, transactions in other currency shall be calculated following Visa system rules.

Cardholders may make 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.

 

Attention

 

Commission fee charged for cash withdrawals from ARARATBANK POS terminals by cards issued by other banks

2% of withdrawn amount

 

 

SMS service

terms and conditions

* card expiry

* loan or overdraft maturity upon customer request

* (line of credit) overdraft repayment date and amount drawn from the account  upon customer request   

* annual service fee

* loan or overdraft monthly repayment  upon customer request

 

 

 

    AMD 30.00

 

 

 Please refer to https://www.abcfinance.am/finhelper/index.php?type=cards to get understanding of the system of financial assistance. 




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