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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.

  • SMS messages on executed transactions

    Free of charge

  • Տարեկան սպասարկման վճար

    AMD 12․000

  • Currency

    AMD, USD,EUR, RUB,GBP

Special offer until 31․12․22

Special offers for holders of our Visa Gold cards are effective until December 31, 2022:

  • 10% discount for spa services at Alexander Spa by Anne Semonin;
  • 10% discount when booking a stay at Hover Boutique Hotel in Dilijan (the discount does not apply to one-day reservations on weekends) and 5% discount at Hover Gardens Restaurant in Dilijan;
  • Up to 4 hours earlier check-in and up to 4 hours later check-out in Apricot hotels in Yerevan, Aghveran, and Gyumri; provision of a free high-standard hotel room upon availability;   
  • 15% discount at Square One café from 9 a.m. to 12 a.m.;
  • 15% discount at InTempo café from 8:30 a.m. to 12 a.m.;
  • 15% discount at Cinnabon Armenia;
  • 10% discount at Lumen Coffee café; 
  • 10% discount at Eat & Fit café;
  • 20% discount at Segafredo Zanetti Armenia café for classic coffee and 15% discount for coffee sold by weight;
  • 1 bottle of wine and handmade chocolate as a gift when making cashless payment at Apaga Resort, as well as 1.5-hour tour instead of usual 40 minutes when using the horse-riding service;
  • 15% discount on breakfast menu at Sorriso Gelato before 12 a.m.;
  • 15% discount in Laura Ashley furniture store. The discount will not have effect if any existing discounts are applied; 
  • 10% discount at AKG Pharmacy for Lierac, Phyto, Christian Breton, Jowae, Eucerin, CL, Nuxe, Diplona, Piega Viva, Rocs, Attirance, Alkmene, Aldo Vandini, Parsa, Batiste, La Cure Beaute, Segreta, Prim, The Body Shop, Apivita, Monsieur Barbier, Revolution, Uriage brands. Cardholders will be requested to present special WOPAKG promo code to get the discount;
  • 8% discount at The Body Shop store. Cardholders will be requested to present special WOPTBS promo code to get the discount;
  • 15 free visits to Orange Premium Fitness Club;
  • 10-15% discount in Jaguar Armenia store for purchase of accessories;
  • 5% discount at Via Artis store. The discount will not have effect if any existing discounts are applied; 
  • 10% discount at Burmunq perfume store;
  • One Day Pass ticket swapped for Zipline ticket when making cashless payment. One-Day Pass ticket includes Zipline flight, Rope Park, Via Ferrata, off-road tour in Yell Truck;
Service fees
TRANSACTION TYPE RATES*

Currency

AMD, USD,EUR, RUB**,GBP

Card issue

Free of charge
Annual service fee  AMD 12,000
Annual service fee or foreign citizen AMD 30,000***
Required balance AMD 12,000
USD 25
EUR 20
RUB 1,900
GBP 20
Required balance 
for cards issued to
foreign citizens
AMD 10,000
USD 20
EUR 20
RUB 3,500
Account statement Free of charge
Current month’s account statement Free of charge
Annual service fee of linked card AMD 10,000
Issue of a new card, in case of loss, damage of the card and PIN code AMD 10,000
Issue of a temporary card abroad, in case of loss, damage of the card AMD 120.000
Cash with drawal in case of card loss abroad AMD 70.000
Cash withdrawal from ATMs and POS terminals of ARARATBANK OJSC 0%
Cash withdrawal from cash withdrawal points of ArCa system 0.80%
Cash withdrawal abroad, also from ATMs of VTB,  Bank located in Armenia 2% min AMD 1500
Cash withdrawal from ARARATBANK cash desk without card use(Reviewed on a daily basis) In AMD - 1%, USD - 3%,EUR - 4%, RUB - 1%, GBP - 0%

Cash withdrawal from ARARATBANK cash desk via POS terminal****(Reviewed on a daily basis)

 In AMD - 0%, USD - 3%, RUB – at interest rate set by the Bank’s Dealing Center on а given day, EUR - 4%, GBP - 0%
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%
Number of daily cash withdrawal transactions 10
Total maximum amount of cash withdrawal transactions permissible within one day AMD 2.500.000
USD 7.000
EUR 5.000
RUB 224.000
GBP 4.000
Total maximum amount of one transaction AMD 2.500.000
USD 7.000
EUR 5.000
RUB 188.000
GBP 4.000
Total maximum amount of transactions permissible within one day AMD 6.000.000
USD 20.000
EUR 13.000
RUB 540.000
GBP 9.500
Commission fee charged for card-to-card remittances 0.15%*****
Card blocking through Bank employee Free of charge
Card blocking through Visa Call Center Service in the event of non-availability of the Bank abroad  AMD 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 15.000 
Card unblocking  AMD 4.000 
Cash-in ATMs of ARARATBANK  AMD 0%
Cash-in ATMs of ArCa system AMD 0.80%
Visa Call Center Service abroad to receive legal, medical and other consulting services Free of charge

Visa Call Center Service abroad (per call)

AMD 4.000 
Cash crediting to the card account 0%
SMS messages on executed transactions Free of charge
SMS messages on executed transactions, on card expiry, on annual service fee, on loan or overdraft expiry date upon customer request AMD 15    
SMS message for the purpose of executing internet transactions with 3D Secure system Free of charge
SMS message provided via USSD service
Free of charge
The issued plastic card and the card account shall be active from the moment the card has been issued

* including VAT

**Maximum daily limit of free cash deposit made in Russian rubles to card account is RUB 30,000. RUB-denominated deposit fee set by the Dealing Center is applied to card account deposits exceeding RUB 30,000 within a given day.

*** Card servicing fee is charged for each year.
**** Cash withdrawal fee (regardless of currency) from the Bank’s cash desk via POS terminal by means of payment cards issued by other banks - 5%.

***** Please be informed that in ARARATBANK customer service points (including the online platform), in addition to fees charged for transfers, Acquiring Bank commission is also applied, which is charged at the time of transaction and is summed up with transaction amount.

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
Attention

Your financial directory” is an electronic system which facilitates the search, comparison and selection of the most appropriate for you option among the services offered to individuals.

You have the right to communicate with the financial institution by any convenient means - by post or by e-mail. Receiving information electronically is the most convenient option. It is available 24/7, free from the risks of loss of paper information and ensures privacy.

Financial assistant
ABC finance

Page updated 16.11.2022 | 12:59

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