Fill in an Application V CARD

VTB Bank (Georgia) credit card allows you to have a financial reserve at an arm’s reach and buy desired items or services or make payments any time.
Credit card holders will enjoy special terms and conditions, tailor fit to their needs: 

  • High credit limit
  • Low interest rate
  • Only 2% of used limit payable monthly
  • Quadruple VTB Bonus points

Cardholders will also enjoy an opportunity to convert their credit limit into a consumer loan.

Limit volume GEL 400 - 30,000
Limit term 4 years (with automatic extension)
Annual interest rate 16.90%
Effective interest rate for POS transactions* from 0.10%
Effective interest rate for ATM cash withdrawal* from 12.92%
Annual service commission GEL 30
Allowance period 55 days maximum

* Effective interest rate is estimated based on the assumption that the client is using a full allowance period

 

LOAN APPLICATION

Card type VISA Gold
Opening account Free
Monthly fee for serving the account

GEL 0

Card preparation

GEL 0

Annual service commission GEL 30
Card replacement (in case of loss or damage of the card, or in case you forget PIN code) GEL 25
For unsanctioned expenditure of commission fee 0.1% daily
Delinquency charges Fixed GEL 20 + 0.5% of the amount overdue for each day overdue
Credit limit conditions
Limit term 4 years (with automatic extension)
Limit volume GEL 400 - 30,000
Allowance period Maximum – 55 days
Annual interest rate 16.90%
Effective interest rate for POS transactions From 0.10%
Effective interest rate for ATM cash withdrawal From 12.92%
Minimum repayable amount 2% of the used amount + accrued interest and fine (if applicable)

Commission fee for converting credit limit into consumer loan***

1% of the issued credit limit, max. GEL 100

Credit limit early annulment fee (calculated from approved limit)/ credit limit reduction fee (calculated from reduced amount)****

- 0% - if credit limit expires between 0 to 6 months
- 0.5% - if credit limit expires between 6 to 12 months
- 1% - if credit limit expires between 12 to 24 months
- 2% - if credit limit expires in more than 24 months

Daily limit for cash withdrawal
In VTB Bank Unlimited

At ATMs and POS-terminals of other banks

GEL 10,000

At trade and service facilities’ POS-terminals and on the internet

GEL 20,000
Cash withdrawal
In VTB Bank 1%, min – GEL 1
In partner banks* Partner bank rate + 3.9%, min – GEL 10
In other banks in Georgia/abroad Other bank rate + 3.9%, min – GEL 10
In VTB Bank ATM 1%, min – GEL 1
In partner bank ATM* 1%, min – GEL 1
In other bank ATM in Georgia 3.9%, min – GEL 10
In other bank ATM abroad** 3.9%, min – GEL 10
Non-cash transactions
Payment at sales points 0%
Payment via internet 0%

Paying transportation fee on Tbilisi municipality public transport (subway, buses, cable car)

Standard fee + GEL 0.10

Money transfer
Within the bank 1%, min – GEL 1
To the other banks 1%, min – GEL 1
Stop-listing the card
Local Free
International USD 50 per week
Changing card PIN code GEL 1

PIN Code recovery

GEL 1

* TBC Bank, BasisBank, Halyk Bank Georgia, Finca Bank Georgia, Caucasus Development Bank – Georgia
** Please, take into account that when using ATMs abroad pay attention to all text boxes displayed on the screen before accepting them. A company disposing of ATM, without VTB (Georgia) knowledge, may offer you to carry out cash withdrawal transaction in different currency, regardless the currency it will provide at the end of transaction. Any loss resulting from confirming offers of aforementioned nature shall not be subject to reimbursement.
We would also like to recommend using ATMs located at bank branches as it will reduce risk of such developments, however it does not guarantee full immunity.
***It shall be allowed to convert credit limit into a consumer loan no earlier than 2 (two) months following its activation and if there is no delinquent debt associated with the product
****Early cancellation\reduction penalty is valid during the first four year period of using the credit limit   

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