Fill in an Application V CARD
We present you the coolest credit card - V Card!
Enjoy the best credit card conditions in Georgia with VTB:
- Lowest interest rate - from 19.9% (effective from 25.38%)
- Halved monthly installment - 2%
- Lowest cash withdrawal fee - 2.5%
- Highest credit limit on the market - GEL 30 000
- Cashback - 1%
| Limit volume | GEL 400 - 30,000 |
| Limit term | 4 years (with automatic extension) |
| Annual interest rate | from 19.9% |
| Effective interest rate for POS transactions* | from 0.10% |
| Effective interest rate for ATM cash withdrawal* | from 32.9% |
| 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
| Card type |
Visa Gold / Visa Classic |
| 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 | From 19.9% |
| Effective interest rate for POS transactions | From 0.10% |
| Effective interest rate for ATM cash withdrawal | From 32.9% |
| 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 |
| 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 | 2.5%, 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 | 2.5%, min – GEL 1 |
| In partner bank ATM* | 2.5%, 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 | 2.5%, min – GEL 1 |
| To the other banks | 2.5%, 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, Finca Bank
** 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