|Card issuance fee||Free|
|Card account monthly service fee||AMD 1,000 monthly|
|Additional card issuance fee||Free|
|Additional card monthly service fee
(charged in accordance with the primary card tariffs)
|Interest rate1||2% (monthly)|
|Encashment fee when using HSBC Bank Armenia ATMs and POS terminals||2% (minimum AMD 500)|
|Encashment fee when using other ATMs and POS terminals||2.5% (minimum AMD 1,000)|
|Card to card money transfer (via ArCa website www.arca.am)||0.5% of transfer amount|
|Card reissuance fee||AMD 5,000|
|Card PIN unblock fee||AMD 1,000|
|Charge slip retrieval||AMD 8,0002|
|Dispute of genuine transaction||AMD 15,000|
|Card limit permanent and temporary review||AMD 3,000|
|Monthly statement delivery (within Armenia)||Free|
|Fee for each copy of card account statement (if earlier than 6 months)||AMD 3,0002|
|Late payment fee||10% of overdue amount|
|credit overlimit fee||10% of overlimit balance|
|Maximum cash withdrawals per day||AMD 400,000|
|Number of cash withdrawals per day||Maximum 2|
|Maximum limit for each non-cash transaction||AMD 5,000,000|
|Total number of transactions per day (including cash and non-cash transactions and balance enquiries)||20|
|Lost card liability, after the customer has informed the Bank3||Up to AMD 25,000|
|Minimum payment due||10% of closing debit balance
(minimum AMD 10,000)
|Fee for emergency activation of credited amount on Card account||AMD 5,000|
|Declined authorization fee (applied by MasterCard)||AMD equivalent of USD 0,25 (for each case)|
|Credit limit and currency4||From AMD 100,000
to AMD 1,000,000
|Grace (interest free) period5||Up to 45 days (15 days from the statement generation date)|
1 Information regarding Annual Percentage Rate can be found
2 Inclusive of VAT.
3 Refer to Section 7 of Card products terms and conditions.
4 Applicable for individuals only
5 Grace period is applicable in case of non-cash transactions and if the payment of the whole statement Closing Balance is received by the bank on or before the Payment Due Date. Depending on the day of month when the transaction has been posted to card account, duration of the grace period may vary.
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Note: In case of discrepancies between the Armenian and English versions of this page, the Armenian version shall prevail.
Last updated on: 28/08/2013 15:00
The following monthly service fees are applied for card accounts
|Visa Plus ATM card||Free|
|ArCa Classic Card||AMD 500 monthly or
AMD 6,000 per annum
|MasterCard Standard Card||AMD 1,000 monthly or
AMD 12,000 per annum
|MasterCard Gold Card||AMD 3,000 monthly or
AMD 36,000 per annum
|MasterCard Platinum Card||AMD 5,000 monthly or
AMD 60,000 per annum
|World MasterCard Black Edition Card||AMD 10,000 monthly or
AMD 120,000 per annum
The annual service fee is charged upfront in the beginning of the year.
ArCa credit card is designed to be used to make non-cash payments and cash withdrawals in Armenia only.
The following rates are applied for credit cards on monthly basis:
|Visa Plus ATM card||-|
|ArCa Classic Card||2%|
|MasterCard Standard Card||2%|
|MasterCard Gold Card||1.9%|
|MasterCard Platinum Card||1.8%|
|World MasterCard Black Edition Card||1.8%|
In the event the Card is lost, you must immediately report the occurrence to the Bank or ArCa Processing Centre. Loss may be reported by any means.
The following credit limits apply:
|ArCa Classic Card||Minimum AMD 100,000
Maximum AMD 500,000
|MasterCard Standard Card||Minimum AMD 100,000
Maximum AMD 1,000,000
|MasterCard Gold Card||Minimum AMD 1,000,000
Maximum AMD 3,000,000
|MasterCard Platinum Card||Minimum AMD 1,000,000
Maximum AMD 5,000,000
|World MasterCard Black Edition Card||Minimum AMD 1,000,000
Maximum AMD 5,000,000
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