Back Credit Card

VTB Credit Card is a kind of financial reserve that is available to you at all times, and allows you paying for goods or services and other payments

Card type

VISA Classic

VISA Gold

Card currency GEL GEL
Validity term 2 years 2 years
Card issue fee GEL 0 GEL 0
Annual service commission GEL 30 GEL 50
Interest rate Annual 30% Annual 26%
Effective interest rate for POS
transactions*  
From 1.01% From 0.25%
Effective interest rate for ATM cash
withdrawal*
From 14.01% From 13.10%
Allowance period 55 days maximum 55 days maximum

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

 

LOAN APPLICATION

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

GEL 0

GEL 0

Card preparation

GEL 0

GEL 0

Annual service commission GEL 30 GEL 50
Card replacement (in case of loss or damage of the card, or in case you forget PIN code) GEL 25 GEL 25
For unsanctioned expenditure of commission fee 0.1% daily 0.1% daily
Delinquency charges Fixed GEL 20 + 0.5% of the amount overdue for each day overdue
Credit limit conditions
Limit term 1 year (with automatic extension)
Limit volume Minimum – GEL 500
Maximum – GEL 2,999
Minimum – GEL 3,000
Maximum – GEL 20,000
Allowance period Maximum – 55 days Maximum – 55 days
Interest rate Annual 30% Annual 26%
Effective interest rate for POS transactions From 1.01% From 0.25%
Effective interest rate for ATM cash withdrawal From 14.01% From 13.10%
Minimum repayable amount 5% of the used amount + accrued interest and fine (if applicable)
Daily limit for cash withdrawal
In VTB Bank Unlimited                                            Unlimited

At ATMs and POS-terminals of other banks

GEL 5,000                                          GEL 10,000

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

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

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

Standard fee + GEL 0.10

Standard fee + GEL 0.10

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

PIN Code recovery

GEL 1

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.

  • Interest-free loan (maximum allowance period – 55 days)
  • Low interest rate
  • Interest accrued only on the used amount
  • Possibility of repeated use of the restored limit
  • Possibility of fully covering debt at any time
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