Credit Cards | ardshinbank

Credit Cards

This credit card is a convenient way to make payments for the management and employees of an organization, legal entities, on business trips. It allows the customer to manage and control payments effectively, as well as receive many additional services. This credit card is a product of a card program developed by the international payment system MasterCard Worldwide for the corporate segment and allows to carry out almost all card transactions at any service points. The card is convenient to use, is distinguished by a lage service network, as well as by a high level of credit lines and spending limits. The owners of this card can access the full range of services provided through the Internet, telephone and mail. List of additional services of this card:

Emergency re-issue of the card in case of loss abroad.

What if you lost your card in another country?

As the owner of the MasterCard Business card, you can use the emergency card re-issue service and replace it with a new one within just two business days.

To do this, you need to provide a sixteen-digit number of the card, the card's password, passport details, and a phone number in the host country.

Emergency provision of cash when the card is lost while abroad.

What if the card is lost and you need to get cash in another country?

As the owner of the MasterCard Business card, you can use the emergency cash service within just two business days. You need to provide the sixteen-digit number of the card, the card's password, passport details, and a phone number in the host country.

A service for reporting about a lost or stolen card.

If you lost your card while abroad, or it was stolen, and you do not have the opportunity to contact the bank, use the card block service.

Service for inquiries.

While abroad, you may need information about the service points and the availability of ATMs.

Phone numbers

To holders of the MasterCard Business Card the Bank provides all types of credit lines.

The card is valid for 2 years.

The tariffs below reflect the terms for revolving credit lines. Other types of other credit lines van have different terms, depending on the specifics of the credit line.

N

MastarCard Business

AMD

USD / EUR / RUR

1.    Main Commissions

1.1  

Card issuance

Free 

Free 

1.2  

Card service fee

AMD 20’000 annually 

AMD 20’000 annually

1.3  

Additional card issuance fee (attached to the main card)

AMD 10’000 annually 

AMD 10’000 annually

1.4  

Cash withdrawal fee

 

 

 

             -    at Bank's ATMs

0.5%

0.5%

 

             -    at Bank’s encashment points

0.5%

0.5%

 

             -   at ATMs of “Arca” system member banks

1%

1%

 

             -    at ATMs of other banks

1.5% min AMD 1500  

1.5% min AMD 1500  

1.5  

Provision of cash without card at Bank's cash desks (not applicable for card and account closure)

2%

2%

1.6  

Fee for money transfers 

Free

Free

1.7  

Annual interest rate of card account balance calculated on daily basis

0%

0 %

1.8  

Fee for non-cash payment of products and services

0%

0%

2.    Card loss, re-issuance and disclosure

2.1           

Blocking of card in Bank’s authorization system

0

0

2.2          

Blocking of card in Bank’s authorization system and adding it in the Stop-list,

AMD 15000 for two weeks

AMD 15000 for two weeks

2.3          

Blocking of card by iInternational settlement systems while abroad

AMD 15000  

AMD 15000  

2.4          

Card reissuance at client’s request

AMD 2000 

AMD 2000 

2.5          

Emergency cash provision in case of card loss while abroad

AMD 1000 

AMD 1000  

2.6          

Emergency card reissuance in case if card loss while abroad

AMD 40 000 

AMD 40 000 

2.7          

Activation of blocked card in Bank's authorization system

AMD 1 000 

AMD 1 000 

2.8          

Disclosure of payment card and account 

Free

Free

3.    Fines and penalties

3.1          

Fine for card account overdraft

0.5% daily

0.5% daily

3.2          

Unjustified chargeback request

AMD 2000 

AMD 2000 

4.   Transfers

4.1           

Card-to-card transfers via virtual cards to another card of the Bank

0.3%

0.3%

4.2          

Card-to-card transfers via virtual cards to another bank’s cards

0,5%

0,5%

4.3          

Fund transfers to Third party

 

 

 

By visiting the Bank or via Mobile Banking

2%

2%

 

Via Internet Banking or Mobile Banking

2%

2%

4.4          

Interbank transfers in RA

 

 

 

Interbank transfers in RA

3%

3%

 

By visiting the Bank

2%

2%

4.5          

Interbank transfers outside of RA

According to Bank tariffs of SWIFT transfers

According to Bank tariffs of SWIFT transfers

5.    Other commissions

5.1           

SMS notification about authorizations

Free

Free

5.2          

Provision of a reference and account statement 

According to terms and tariffs of card issuance and service for individual clients

5.3          

Request for a transaction receipt copy

AMD 2’000 

AMD 2’000 

6.    Authorization limits

6.1          

Daily encashment limit

AMD 2’000’000  

Accordingly USD 4’000,  5’500 EUR, 200’000 RUB

6.2          

Maximum number of daily encashments

5

5

6.3         

Maximum amount of a single non-cash transaction per day

AMD 3’000’000  

Accordingly USD 6’000,  7’500 EUR, 350’000 RUB

6.4          

Maximum number of non-cash transactions per day

10

10

7. Credit line

   
7.1

Minimum limit

-  
7.2

Maximum limit

-  
7.3

Annual interest rate

16-24%  
7.4

Monthly minimum limit of repayment

35%  
7.5

Grace period

-  

 

Content for comparison

Page Updated on
Developed by Studio One