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The card is provided to you within 3 working days.
You can use your Byblos Bank Armenia debit card in ATMs, POS terminals and online.
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.
Enjoy the benefits of World Elite™ Mastercard®, enjoy life in all its splendor while taking the time to work.
Cardholders get free LoungeKey membership and access to business lounges at more than 1,200 airports in over 450 cities around the world. Cardholders can also enjoy the convenient lounges at Zvartnots Airport.
You have unlimited free access, as well as 12 complementary guest visits each year to LoungeKey facilities. Just show your World Elite™ Mastercard® and enjoy a comfortable and pleasant environment, high quality service and hospitality – which is everything you need to relax and work.
Detailed information about the program, as well as links for downloading the apps can be found here. (Note: Not all applications available online work in our region.)
For more information, please call +374 60 61 61 00.
As part of their exclusive package of benefits, World Elite™ Mastercard® cardholders will also receive free internet roaming.
To make use of the benefit, cardholders need to download the Flexiroam X app, fill in the card number and follow the instructions to set up the eSIM on the device.
As a result, customers will get:
• Internet connectivity in 200+ countries and 3GB of roaming data valid for 15 days (per year),
• 15% discount on all Flexiroam data plans purchased with the World Elite Mastercard.
The app is supported in mobile phones running iOS 7.0 or later and Android 4.03 or later.
Flexiroam will provide dedicated 24/7 support to cardholders through its online and offline customer service channels (email, ChatBot, Live Chat, WhatsApp). More about the service is available on Flexiroam's official website and app.
World Elite™ Mastercard® cardholders have unlimited free access to the Mastercard® Airport Security Fast Track program, which allows them to get through security faster in up to 100 airports* across Europe and Asia, including Zvartnots Airport in Yerevan, Armenia.
In addition, guests of cardholders too can quickly pass through the security check 12 times throughout the year.
Thanks to the program, cardholders will avoid queues and save time, spending it on leisure, shopping or dining instead.
To use the Fast Track service, you need to register on the Mastercard Travel Experiences app or website․
*You can find the current list in the
app or on mastercard.am .
The Mastercard Travel Rewards program too is available to cardholders, who can earn up to 20% cashback when shopping at 500+ popular brands with the World Elite card.
- Cashback is paid automatically within 30 days
- Exclusive offer are available for both online and offline purchases
Learn more about all the advantages of the program, register on the platform and enjoy your privileges here.
World Elite™ Mastercard® cardholders are provided with free travel insurance throughout their trips, as well as necessary medical and legal support and advice.
Cardholders can enjoy the flight, confident that they are insured against various travel inconveniences, such as loss or delay of luggage, flight cancellation, etc.
Ambulance and travel assistance services are available 24/7.
Should the Cardholder require these services, please call +441273765321 (the service is in English), and if a Cardholder does not speak English, they can call+37410700800, and the operator will provide translation assistance.
You can learn more about insurance coverage limits and travel (assistance) insurance terms and conditions here.
Note: Reimbursement is available if all travel costs have been paid for with a World Elite card.
World Elite™ Mastercard® cardholders have access to 24/7 concierge service to help make travel or everyday life easier.
Available anytime and anywhere, the concierge service offers help with a wide range of needs։
- Information services (about flight and train schedules, hospitals and other centers, cardholder's bank)
- Travel services (ticket and hotel reservations, assistance in case of lost luggage and other services)
- Arrangement of events all around the world
- Reservations worldwide (cinemas, theaters, clubs, restaurants, etc.)
- Delivery (flowers, food and other items)
- Phone switching services (connection to the Bank’s contact centre)
- Information about Mastercard cardholders’ benefits
- Possibility to order arrival and departure Meet & Greet services and VIP lounges at airports
- Personal shopper service worldwide
- Housekeeping services (organization of cleaning, interior design, renovation services)
- Many other services
The service is available through all popular messengers (Viber, Telegram, WhatsApp), as well as by phone and e-mail.
- Follow the link using cell phone https://arm.concierge-support.com/
- Choose preferable messenger and put the icon
- Enter first six digits of card number and phone number (only once under the registration)
World Elite™ Mastercard® cardholders have a package of premium offers at their disposal, which allows them to make online purchases on special terms from the world's leading brands.
The full package of offers and terms is available here on the webpage the Mastercard Travel Rewards program.
Exclusive travel offers, including special terms for hotel reservations and car rental, promise unforgettable experiences for cardholders.
Enjoy the unique benefits of premium class and superior hospitality in more than 700 hotels of Preferred Hotels & Resorts, a world-famous hotel brand. Moreover, take advantage of special discounts when renting a car with such famous brands as HERTZ and RENTALCARS.
The full package of offers
and terms is available here.
Benefits provided by World Elite ™ Mastercard® (discounts, reservations, etc.) are serviced by Mastercard®, while card insurance is provided by INGO Armenia CJSC.
"Byblos Bank Armenia" CJSC is not responsible for service issues related to the submission of claims by the Cardholder, their settlement, services related to the card benefits and insurance as well as services provided by Mastercard and INGO Armenia CJSC, including the service of World Elite ™ Mastercard® card benefits and insurance policy approval decisions.
Please also know that the Boingo Wi-Fi service has been discontinued.
| Title | Tariff* |
|---|---|
|
Currency**
|
֏ $ €
|
|
Issuance of the card
|
free
|
|
Service fee (monthly)
|
7,000
|
|
for Supplementary card (MC WE)
|
7,000
|
|
Provision of account statement
|
|
|
each month
|
free
|
|
provision of additional statement (VAT included)
|
free
|
|
Card account closure charge for first year
|
free
|
|
New PIN issuance, card replacment and reissuance (in case of name change, card loss or demage)
|
7,000
|
|
PIN code reset through ATM
|
free
|
|
Cash withdrawal
|
|
|
BBAM ATMs
|
0%
|
|
BBAM cash withdrawal outlets (POS) from against cash credits
|
0%
|
|
BBAM cash withdrawal outlets (POS) in AMD from against non cash credits
|
0%
|
|
BBAM cash withdrawal outlets (POS) in USD and EUR from against non cash credits
|
1.5%
|
|
ArCa system member Banks ATM and cash outlets
|
0%
|
|
Other Armenian Banks ATMs and cash outlets***
|
0%
|
|
Foreign Banks ATM
|
0% ****
|
|
ArCa system member Banks encashments outlets (POS)
|
1%
|
|
Other Armenian Banks cash withdrawal outlets (POS)
|
1%
|
|
Foreign Banks cash withdrawal outlets (POS)
|
2.5% min AMD 2,500
|
|
Cash deposits through BBAM ATMs
|
0%
|
|
Cash deposits through ATM-s within ARCA system
|
0.62%
|
|
Annual interest accrued on the positive balance of card account
|
0%
|
|
Overdraft facility
|
available
|
|
Late payment fee on overdraft (annual)
|
24%
|
|
Card-to-card transfers fee
|
0.4%
|
|
Blocking of the card
|
free
|
|
Unblocking of the card
|
free
|
|
Unblocking of the card online
|
free
|
|
Wrong dispute of transaction*****
|
15,000
|
|
Retaining the card in MasterCard “Stop List” for 2 weeks
|
15,000
|
|
1 SMS report******
|
≥5,000 free
|
|
3D secure SMS report
|
free
|
|
Number of daily encashment transactions
|
15
|
|
Total maximum amount of encashment transactions per day
|
|
|
AMD
|
3,000,000
|
|
USD
|
6000
|
|
EUR
|
6000
|
|
Number of daily transactions per day
|
25
|
|
Total maximum amount of all transactions per day
|
|
|
AMD
|
50,000,000
|
|
USD
|
100000
|
|
EUR
|
100000
|
|
LoungeKey Program (airport lounges membership, unlimited access and 4 free visits per quarter for guests)*******
|
free
|
|
Тravel Insurance and Medical support ********
|
free
|
|
Boingo Wi-Fi *********
|
free
|
|
Mastercard Chatbot Concierge **********
|
free
|
*Tariffs are presented in AMD.
**In case the currency of a card transaction differs from the currency of the card account, the exchange rate for the 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.
****Does not apply to possible commissions set for cash withdrawal by other banks.
*****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 authorized by the Cardholder, are appealed within 55 calendar days from the receipt of the statement by the Cardholder, and the Cardholder submits documents confirming the impossibility of submitting chargeback requests within 15 calendar days upon receipt of statement.
******In case SMS service is paid, all types of SMS are chargeable except USSD and 3D secure services. In case the client requests amounts below AMD 5,000 (or equivalent), AMD 20 will be charged for 1 SMS report.
*******LoungeKey Airport Lounge program
********The insurance is
valid for cardholders of up to 76 years old.
Insurance coverage benefit limits
Travel (assistance) insurance contract
Insurance Certificate for Cardholders
*********Detailed information on activating the Boingo Wi-Fi for Mastercard® program can be found here.
**********Learn how to activate the Mastercard® Chatbot Concierge application here.
- Valid passport or identification card
- Public service number (if available)*
*Only applies to Armenian citizens or foreign citizens having residency status and actually residing in Armenia.
Overdraft currency: AMD
Overdraft tenor: from 1 to 12 years
The Overdraft is provided in the amount of five times the transferred net salary; minimum amount – AMD 1,500,000, maximum amount – AMD 5,000,000.
Overdraft arrangement: free of charge
- Interest rate: fixed 15%* p.a (14․5%** in the event of transferring the salary to Byblos Bank Armenia)
Annual percentage rate: 17.98% - 22.83% (17.4% - 22.23% in the event of transferring the salary to Byblos Bank Armenia) - Overdraft is only processed at Byblos Bank Armenia branches. Overdraft is disbursed by a non-cash transfer into the clients’ card account.
- Overdraft 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 with the periodicity of a month; the interest accrued at the date of repayment shall be repaid first then 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 to the overdraft 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 loan obtaining process in the future.
According to the law of the RA “On Combating against Money Laundering and Terrorism Financing” the Bank for proper investigation of clients' profile can obtain additional documents or other information as per Know your customer-principals, also during verbal communication ask additional questions from the client (in case of need).
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 Borrower’s status as a USA taxpayer.
Information about loans or cards are also presented on www.fininfo.am web page, section “Your financial info center”, which is an electronic system for searching and comparing of services and makes it easy for you to choose which option is the easiest way for the most efficient option selection.
After signage of the loan contract, you may communicate with the Bank at your choice by post or e-mail. The most convenient way for information receipt is the e-mail. It is available 24/7, the risk of information loss is eliminated and ensures secrecy.
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.
