Take your Visa Signature card with you when traveling and be calm and confident around the world.

You can enjoy all the benefits of Visa Signature card, both when traveling and in everyday life, such as:

• Travel insurance
• Shopping insurance
• International medical and information support
• Free admission to LoungeKey airport lounges
• Concierge service
• Special offers from international brands
• Global Customer Assistance Service (GCAS)

Visa Signature card gives an opportunity to:

• perform Card-to-card transfers via ATMs,
• perform Tokenized card transactions,
• receive the statement of the last ten transactions, performed with your card, via ATMs,
• apply for a card credit line,
• if desired, activate SMS-notification service, etc.

Being a PayWave type card, Visa Signature card has also the following advantages:

• Payment by Visa payWave card is fast
• In case of payment of up to 20,000 AMD, PIN code is not required
• Making a card payment, there is no need to transfer it to the service provider or insert it in the terminal and sign the receipt.

The number of retail outlets offering Visa payWave cards around the world is increasing day by day, and today Visa payWave cards are serviced in thousands of trade and service points around the world.

Visa payWave technology allows you to make contactless payments by simply bringing the card closer to specific terminals.

• Service commission - 4000 AMD per month or 40 000 AMD per year
• Currency - AMD, USD, EUR
• Credit line opportunity – from 500,000 AMD an equivalent of up to 18,000,000 AMD
• Annual nominal interest rate of the credit line¹ - cards in AMD - 18%
• Annual actual interest rate of the credit line - AMD - 13.7%
• Cash withdrawal fee from the ATMs and POS terminals – 1%
• Provision of a linked card – 25 000 AMD annually
• In case of opening the first bank account (current, card, deposit) to non-resident individuals, a one-time commission of AMD 15,000 is charged, except when the account is opened to purchase ordinary (ordinary) shares of the Bank or to subscribe to the latter.

^{1If otherwise is not specified by the Bank under the salary service programs.}

Learn more about All Terms of Provision and Service of Visa Signature Cards

Learn more about Terms of Provision and Service of Payment Cards.

Travel insurance

Visa Signature card provides a variety of travel insurance coverages* to protect against a number of travel events, such as illness, baggage delays, flight delays, missing the flight, assaults, loss of money, etc. In such cases, the insurance is provided in the form of financial compensation.

The cardholder is also provided with a Certificate of Insurance, which the cardholder can obtain by visiting here.

In the event of an insurance accident, the cardholder shall contact the support service at +7 (495) 937 6453 or at card.claims@rus-survey.ru.

You can learn more about full terms of insurance here.

Shopping insurance

Visa Signature cardholders are provided with shopping insurance coverage, which allows them to insure card purchases against theft and damage within 365 days from the date of purchase.

In case of an insurance accident, the cardholder shall contact the support service at +7 (495) 937 6453 or by e-mail card.claims@rus-survey.ru.

The full terms of the shopping insurance can be found here.

International medical and information assistance for travellers

Prior to and during the travel, cardholders are provided with a variety of medical and travel assistance services. In particular, cardholders are provided with medical consulting, information on travel visas, entry requirements for all countries, etc.

In case of need for support services, the cardholder shall contact International SOS company at +7 (495) 937 6453.

For more information, please visit here.

Free entrance to LoungeKey lounges in the airports

Visa Signature cardholders have access to LoungeKey lounges at more than 1,000 airports around the world four times a year for free. For more information, please visit here.

Concierge service

Visa Signature cardholders have a unique opportunity to use the Concierge service provided with the card, which allows them to organize their travel in the most efficient way. Concierge service is suitable for all those who like to travel, but do not have enough time to organize the trip. Concierge service includes booking flights, hotel, restaurant reservation, car rental, travel planning, etc. For more information, please visit here.

Special offers from international brands

Visa Signature cardholders can take advantage of a number of special benefits and discount benefits provided by many international brands. These include Visa Luxury Hotels Collection, Avis car rental, hotel reservation through www.agoda.com, etc. A complete list of organizations can be found ­­here.

Global Customer Assistance Service

The International Multilingual Customer Support Service is ready to assist cardholders 24 hours a day, 365 days a week.

If your Visa Signature card is lost or stolen, Visa International Customer Service representatives may:

• block the card during 30 minutes to avoid fraudulent purchases;
• arrange card replacement and send it to the cardholder within 3 working days;
• provide cash in 270,000 locations around the world.

Find telephone numbers of International Customer Support Services of all countries here.

Find the general terms of provision of Visa Signature card here.

* To use travel insurance coverage, you need to pay for your travel ticket and/or hotel with a Visa Signature card.

How to obtain the card?

Jhow long does it take to receive the card?

The Card will be provided to you within a maximum of seven working days after filling in the Card and card account application in any branch of the Bank, and the Card will be activated within a maximum of one working day from the day of the Card issuance.

In case of filling in the Card and card account application online, the card will be ordered after the mutual agreement between you and the Bank.

What is required to order the card?

After applying for the Card in any of the above ways, in order to receive the Card, you need to visit the Bank's branch of your choice, presenting your identification document and the public service number¹:

¹ It is registered in the identification card of the RA citizen, in the documents of the person, not being a citizen of the RA, permanently residing in the RA, in the documents proving the refugee identity, in the social security card previously issued, as well as in the certificate, issued by the state register body or certificate, issued by the state register body (original) on not receiving a public service number.

For more details about the card delivery, please visit here․

Your financial directory

fininfo.am

ATTENTION: "YOUR FINANCIAL DIRECTORY" IS AN ELECTRONIC SYSTEM, MAKING THE SEARCH, COMPARISON AND SELECTION OF SERVICES, OFFERED TO INDIVIDUALS, WHICH ARE THE MOST EFFECTIVE OPTION FOR YOU.

The PIN code of the card is provided in the option chosen by the cardholder when ordering the card:

• in paper, in which case the PIN code is provided in a sealed envelope;
• via SMS, in which case the cardholder is sent a one-time six-digit code to the phone number registered in the Bank to receive an SMS, which is used to set a new PIN code through an ATM.

The cards are reissued before the 10th working day of the last month of the card validity period.

The decision to reissue the card is made by the Bank on the basis of the volume of card transactions, card service fee payments, funds on the account, and in the case of credit line cards - also the number of overdue days.

The card is closed within three working days after all card transactions have been debited with the card, provided that the account balance is sufficient to debit the card transactions and collect the commission fees, provided by the Bank tariffs.

Closing of the Card is possible only after fulfilling all monetary obligations.

In case of not returning the card when submitting an application for termination of the card, the cardholder bears full financial responsibility for transactions that do not require verification (confirmation of the eligibility of the transaction), performed with the card after the card is terminated until the expiration of the card.

Cards are confiscated by ATMs, if:

• after receiving the cash/balance request operation, the customer did not withdraw their card from the ATM;
• an ATM connection failure or other technical malfunction has occurred.

In case of confiscation of the Bank's cards, in case of presenting an identification document to the Bank within 3 working days, the card is returned to the customer by the branch that confiscated the card, if the customer does not wish to receive the card from another branch.

In case of confiscation of cards of another Armenian bank, in case of presenting an identification document to the Bank within 3 working days, the card is returned to the customer. In case of no-show of the cardholder, according to the current procedure of the Bank, the card is transferred to the bank issuing the card.

In case of confiscation of a foreign bank card, in case of presenting an identification document to the Bank within 1 working day, the card is returned to the cardholder. In case of no-show of the cardholder, according to the current procedure of the Bank, the card is transferred to the bank issuing the card.

The card can be unblocked, only if the Cardholder verbally or in writing confirms that he/she has made the given transactions.

The Bank may unilaterally block the Card in case of overdue liabilities on the loan provided by the Card or other loans in the Bank, until the first working day following the repayment day, as well as in other cases defined by the Agreement or other cases, specified by the legislation of the Republic of Armenia.

The Bank may block the Cardholder Card without notifying the Cardholder if there is a risk of fraudulent transactions with the Card.

The Cardholder has the right to appeal the transaction made with their Card within 55 (fifty-five) calendar days from the day of its execution. The Bank shall submit a reasonable answer to the Cardholder within a maximum of 90 (ninety) calendar days from the date of submission of the application.

• If the transaction appealed by the Cardholder is a cash receipt transaction, it is subject to satisfaction by the Bank, only if the ATM or the cash disbursement point accepts the fact of non-provision of cash.
• If the transaction appealed by the Cardholder is a transaction of payment, internet payment or payment by presentation of Card data, it is subject to satisfaction by the Bank, if the Bank receives the amount of the appealed transaction from the bank, servicing the appealed transaction, under the appeal process, envisaged by the payment system rules.
• If the Bank decides not to continue the appeal process within the framework of the appeal process provided by the rules of the Payment System, servicing the card, but the Cardholder wishes to apply to the Arbitration Committee of the Payment System, being the last stage of the appeal process, the fees for the application to the Arbitration Committee, as well as the expenses, incurred by the Bank in case of a decision of the Payment System in the favour of the other party, shall be reimbursed by the Cardholder.

The Bank shall not bear responsibility for:

a) for late, incorrect or unfulfilled operations, which occurred due to the fault of the trade and service points or the Payment System or due to technical reasons, which were beyond the reasonable control of the Bank;

b) for failure of cash or payment operations with funds not owned by the Bank, if the Bank was not at fault for the failure;

c) for illegal transactions carried out by the Card or the data of the Card, unless it was a consequence of the Bank's non-fulfillment of the obligations stipulated by the Agreement;

d) for transactions with a microprocessor (chip) card through the PIN code, unless it was a consequence of the Bank's non-fulfillment of the obligations stipulated by the Agreement;

e) for transactions carried out via the Internet, unless it was a consequence of the Bank failing to fulfill its obligations under the Agreement;

f) for operations performed in violation of the safety rules set forth in the Agreement;

g) disputes between the cardholder and the trade and service points;

h) Account, PIN code, Card number, password and other card information being disclosed to third parties for reasons beyond the control of the Bank;

Each month, the Bank informs the Cardholder about the transactions made with the Card during the previous month, providing them with a card account statement.

In case of non-fulfillment or improper fulfillment of the obligations, the information on the Cardholder shall be provided to the credit register of the Central Bank of the Republic of Armenia and to ACRA Credit Bureau in accordance with the procedure, established by the RA legislation and the Bank's internal legal acts.