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Special Offers 
Simple solution for non-cash purchases.
The card is provided to you in 3 working days.
You can use your Byblos Bank Armenia Credit Card via ATMs, POS terminals and internet.
You can use your card 24 hours a day, 7 days a week.
In the event of card loss or suspicion of fraud, cardholders must immediately block the card:
- Via the Online Banking service / Byblos Mobile app
- Via the USSD service
- By visiting one of the branches of the Bank (on weekdays from 9։30 am to 5 pm)
- By calling the Bank at +374 60 61 61 00 (on weekdays from 9 am to 6 pm)
The Bank will not bear responsibility for transactions made with your card prior to notifying the Bank or the processing center.
The USSD service enables cardholders to use their phone in order to perform the following transactions:
- Check the card balance
- Obtain a statement for the last 4-5 transactions
- Block the card
To activate the service, cardholders need to fill in an application at the Bank and provide their phone number. To then use the service, they need to dial *116# and follow instructions.
The service is free for Byblos Bank Armenia cards.
A total of up to 5 payment cards can be attached to a phone number, and transactions mentioned above will be available for each of them.
There are two convenient options for blocking a card, which are both free and available 24/7. You can see a detailed card blocking guide here.
ATMs:
- 6 Abovyan, Yerevan (cash in)
- 6 Abovyan, Yerevan (cash out)
- 18/3 Amiryan, Yerevan (cash out)
- 38/2 Komitas, Yerevan (cash in)
- 38/2 Komitas, Yerevan (cash out)
- 84/1 Baghramyan, Yerevan (cash in)
- 84/1 Baghramyan, Yerevan (cash out)
POS-Terminals:
- 84/1 Baghramyan, Yerevan
- 6 Abovyan, Yerevan
- 18/3 Amiryan, Yerevan
- 38/2 Komitas, Yerevan
Attention: ATMs located at Mamikonyants 30 and Manandyan 9 in Yerevan will be out of service starting December 1, 2024.
| Title | Tariff* |
|---|---|
|
Currency**
|
֏
|
|
Issuance of the card
|
free
|
|
Service fee (anually)
|
9,000 (6,000 in case of salary trnsfr)
|
|
For Supplementary card (anually)
|
9,000 (free in case of salary trnsfr)
|
|
Provision of account statement
|
free
|
|
New PIN issuance, card replace and reissue (in case of name change, card lost or demage)
|
1,500
|
|
PIN code reset through ATM
|
1,000
|
|
Encashment and cash deposit
|
|
|
"BBAM" ATMs and cash outlets (POS)
|
1%
|
|
ArCa system member Banks ATMs and cash outlets
|
1,5%
|
|
Other Armenian Banks ATMs and cash outlets***
|
1,5%
|
|
Abroad
|
2.5% min 2,500
|
|
Cash deposits through BBAM ATMs
|
0%
|
|
Cash deposits through ATM-s within ARCA system
|
0.62%
|
|
Cash withdragal from card account
|
1,2%
|
|
Annual interest rate
|
18%
|
|
Credit limit****
|
400,000 - 1.499mio
|
|
Grace period
|
up to 45 days
|
|
Minimal payment
|
10%
|
|
Card-to-card transfers fee
|
1%
|
|
Blocking of card
|
free
|
|
Release of blocked card
|
free
|
|
Wrong dispute of transaction******
|
15000
|
|
Retaining the card in MasterCard “Stop List” for 2 weeks
|
15000
|
|
1 SMS report*****
|
≥5,000 free
|
|
3D secure SMS report
|
free
|
|
Transfers from the card account
|
1% + standard transfer fee for the correspond. currency
|
|
Number of daily encashment transactions
|
10
|
|
Total maximum amount of encashment transactions per day
|
|
|
AMD
|
500,000
|
|
USD
|
2,000
|
|
EUR
|
1,500
|
|
Number of daily transactions per day
|
20
|
|
Total maximum amount of all transactions per day
|
|
|
AMD
|
2,000,000
|
|
USD
|
4,000
|
|
EUR
|
4,000
|
*Tariffs are presented in AMD.
**In case the currency of the card transaction differs from the currency of the card account exchange rate for foreign exchange transaction is set by Byblos Bank Armenia +/- AMD 1.
***In the event of withdrawing cash via Apple Pay or Google Pay from Inecobank CJSC ATMs and cash outlets, commission is charged according to relevant tariffs set for withdrawals abroad.
****The limit cannot exceed 5 times the client's total income (salary or income from business activities), as well as AMD 1.5 million.
*****In case the SMS service is paid, all types of SMS are chargeable except USSD and 3D secure services. In case the client requests amount below AMD 5,000, the SMS service is free of charge for the mentioned amount.
******Chargeback complaints must be provided within at least 15 calendar days from the date of receipt of the statement. The Bank is also obliged to accept the cardholder's chargeback requests if transactions, which are not authorised by the Cardholder, are appealed within 55 calendar days from receipt of the statement by the Cardholder, and submits documents confirming the impossibility of submitting chargeback requests within 15 calendar days upon receipt of statement.
NOTE: In case of termination of the Card before the expiry date, the charged service fee will not be refunded․
Credit line tenor: from 1 to 12 years.
Credit line arrangement fee: free of charge.
Interest rate: fixed 18%* p.a., in case of salary transfer – 16%** p.a.
Annual percentage rate: 17.81% - 23․81%
All transactions processed with the Credit card, including all obligations towards the Bank emerging during the Statement period shall be reflected in a monthly Statement, which is provided to the Cardholder after each Statement period.
The Cardholder is entitled to repay in full or partially the amounts from utilized Card Limit till the 15th day of the month following the Statement period (in case the of partial repayment the payment should not be less than the Minimum Payment (10%) and accrued interests) by crediting funds to the Card Account.
In case all utilized amounts are repaid before the Payment date, no interests shall accrue on such amounts.
- The Credit line is only processed at Byblos Bank Armenia branches.
- The Credit line is disbursed by non-cash transfer into clients’ card account.
- The Credit line provision is executed within a maximum period of 3 working days from the date of signing the loan contracts by the client at the branch if mandatory documents are provided.
The repayment of the overdraft facility shall be done till the 15th day of the month following the Statement period whereas the interest accrued at the date of repayment shall be repaid first, followed by the principal. In case there are penalties, those will be paid first.
- The main factors affecting the decision to approve or reject the loan are as follows:
a - credit history
b - valid justification for the loan purpose
c - accuracy of the information, provided by the borrower
d - solvency of the client (financial position)
e-creditworthiness of the client (personal qualities, absence of any legal impediment).
- Byblos Bank Armenia will provide a decision on the Credit line application within 7 working days.
*In case of deviation from the main terms of the loan (tenor, amount, LTV, etc.), the nominal interest rate may be increased by 0.25%.
**If the loan is not approved through the automatic scoring process, the nominal interest rate will be increased by 0.25%.
In case of payment delay, the Bank
will update the Borrower’s profile in the Central Bank of Armenia Credit
Register and Credit Bureaus, which can lead to a negative impact on the
Borrower’s credit history and cause difficulties in the process of obtaining loans in the future.
According to the law of the RA on Combating
Money Laundering and Terrorism Financing and for the proper investigation of
the clients' profile, the Bank can obtain additional documents or other
information as per the Know Your Customer principle, as well as ask additional
questions during communication (if need be).
According to an agreement with the United States of America regarding the
Foreign Account Tax Compliance Act (FATCA), the Bank may request or gather
additional information in order to identify the Borrower’s status as a U.S. taxpayer.
Information about loans or cards are also available on the website of Your
Financial Informant (www.fininfo.am), which is an electronic platform that
helps compare services offered to individuals and facilitates the selection of
the most efficient option for you.
After signing the loan contract, you may
communicate with the Bank by post or e-mail. The most convenient way for
communication is the e-mail, which is available 24/7: the risk of information
loss is eliminated, and secrecy is ensured.
All fees and charges will be debited from the cardholder’s card account in AMD. In case of foreign currency card account, the Bank is entitled to exchange the amount due to AMD at the rate established by the bank on the day of the conversion. In case the currency of a card transaction differs from the currency of the card account, the bank shall be entitled to convert the transaction amount into the card account currency at the rate mentioned in the tariffs.
