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SERVICES | Payment cards Last update
31.05.2010
14:24
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The debit and accounting cards of
Ardshininvestbank are provided for:
- managing the own assets in
Your bank account,
- making non-cash payments and encashment transactions,
- in special cases, using bank assets (overdraft or credit line), in case of
deficiency in Your bank account.
You need to remember that:
Debit and accounting cards do not substitute the credit cards; they are for
cash substitution. The limits provided via accounting cards are designed
for the satisfaction of short-run need of Your cash assets and for
creation of Your credit history.
Full credit lines are not provided at a privileged conditions via accounting
cards.
Card tariffs issued in the framework of salary projects for the individuals,
service conditions, as well as credit conditions may be defined individually
for each salary project and be different from the published tariffs and
conditions.
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Debit cards for individuals |
Tariffs for provision and service
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Arca Classic
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The payment card is provided for use at the territory of the RA. Arca Classic
payment cards have broader extension due to their convenience. With Arca Classic
payment card You may make non-cash payments at the trade and service points of
the RA, as well as encashment transactions at all ATMs and encashment points
at the territory of the RA.
ATTENTION: Arca Classic card is not used
abroad and is not mainly designed for making internet payments (though a virtual
card may be registered at the base of the card, which will give an opportunity
to make payments at some internet sites in the RA) and its use at the Internet
and at non tete-a-tete transaction environment (telephone order, post order) are
mostly limited or forbidden.
While getting
Arca Classic payment card You may apply to the Bank for overdraft or credit line
as well.
The card is provided for 2-year period.
The card account may be opened in AMD only.
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Arca Gold
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The payment card is provided for use at the territory of the RA. Arca Gold
card is more comfortable and effective mean for the security of Your funds. If
Your funds are recorded to the demand card account attached to Arca Gold, the
Bank pays money with two times more interest rate than usual.
Via
Arca Gold payment card You may make non-cash payments at the trade and service
points of the RA, as well as cash operations at the all ATMs and encashment
points of the RA.
ATTENTION: Arca Gold card is not used abroad
and is not mainly designed for making internet payments (though a virtual card
may be registered at the base of the card, which will give an opportunity to
make payments at some internet sites in the RA) and the use of it at the
Internet and at non tete-a-tete transaction environment (telephone order, post
order) are mostly limited or forbidden. Arca Gold is not provided for crediting.
The card is provided for 2-year period.
The card account may be opened in AMD, USD, EURO.
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Maestro/Cirrus
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This is a massive use international card of MasterCard Worldwide payment and
account system. The card is unique with its convenience and high security, which
makes it more attractive for the Customers having no experience in using payment
cards.
High security level is provided for about all card transactions by getting
certificate from the Bank and entering the PIN code.
Maestro/Cirrus card connects two Maestro and Cirrus programs. The first one is a
card program of MasterCard Worldwide system, which allows to make non-cash
payments and cash withdrawal operations. The latter allows to make just cash
withdrawal operations at the corresponding ATM network. Thus, these two programs
are connected in a single card project, which allows to make non-cash payments
both at the trade and service points having the trademark of Maestro and at the
ATM network of Maestro; plus Cirrus ATM network is also available.
The service points for the card are less than those of MasterCard
cards, but You will find many service points and ATMs at any big city.
ATTENTION:
Maestro/Cirrus card is not for internet payments (now the card's service process
in Internet is at the stage of investing) and its use in the internet and in
other non tete-a-tete transaction environment (telephone order, post order) are
generally limited or forbidden. While getting Maestro/Cirrus payment card You
may apply to the Bank for overdraft or credit line as well.
The card is provided for 2-year period.
The card account may be opened in AMD, USD.
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Visa Electron
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This is a massive use international card, which is available to everybody.
The card is unique with its convenience and with the high level of security,
which makes it more attractive to the customers having no experience in using
payment cards. The high level of security gives an opportunity to make almost
all the transactions, which are made via certification and PIN code enter. As
the card is accepted for service only via electronic machines, the service
points of it are comparatively less, though many service points and ATMs are
located in about all the big cities in the world. If the currencies of transactions
and card coincide, the system of making cross accounting for Visa Electron cards
while making transactions abroad, allows to avoid the risks of currency
fluctuation.
ATTENTION:
Visa Electron card is not for Internet payment and its use in the internet and
in other non tete-a-tete transaction environment (telephone order, post order)
are generally limited or forbidden. While getting
Visa Electron payment card You may apply to the Bank for overdraft or credit
line as well (the tariffs for the cards issued in the framework of salary
projects, service conditions, as well as credit conditions may be fixed
individually for each salary project and be different from the terms and
conditions).
The card is provided for 2-year period.
The card account may be opened in AMD, USD, EUR.
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Visa Classic
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Obtaining the payment card You will get a convenient mean for making payments
and getting cash at the trade and service points. The card is accepted at
the whole network of Visa International payment and account system and
compared with Visa Electron cards has the following advantages:
- Wider service network,
- Wider functional opportunities, particularly the card is used not only
electronically, but also via mechanical machine,
- Using the card the whole list of the tete-a-tete transactions are available,
including internet transactions, telephone and post orders.
Visa Classic payment card is the most popular payment card of Visa International
payment and account system. The card maximally substitutes the cash, at the same
time is convenient in use, has wide service network availability, transaction
swiftness and money security.
The system for making cross accounting of Visa Classic cards in the Bank gives
an opportunity to avoid the fluctuation risk of foreign currency while making
transactions abroad, if the currencies of transaction and card coincide.
While getting
Visa Classic payment card You may apply to the Bank for overdraft or credit line
as well.
The card is provided for 2-year period.
The card account may be opened in AMD, USD, EUR.
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Debit cards for legal entities |
Tariffs for provision and service
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Arca Business
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The payment card is provided for the use in the area of the RA. You may make
non-cash payments at the trade and service points of the RA, as well as cash
transactions at almost all ATMs and encashment points located in the RA.
ATTENTION:
Arca Business card does not operate out of the RA and is not mainly designed for
making internet payments (though a virtual card may be registered at the base of
the card, which will give an opportunity to make payments at some internet sites
in the RA) and its use at the Internet and at non tete-a-tete transaction environment (telephone order, post order) are
mostly limited or forbidden.
The card is provided for 2-year period.
The card account may be opened in AMD.
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The credit cards of
Ardshininvestbank are:
- for the use of credit line provided by the Bank,
- for making non-cash payments and encashment transactions at the limits of
credit line,
- for using several types of credit lines, including restorable credit
lines, ordinary annuity and other credit lines.
Remember:
Credit cards are provided for credit lines at the convenient and privileged
conditions, but the opportunities for own property use by credit card are
limited and not convenient.
The main characteristics of credit cards are:
- Credit cards are not provided without credit limit,
- For getting credit card and credit line it is not obligatory to receive
salaries and other income by the card in contrast to account cards,
- Basically credit limits provided by credit cards do not require provision of
credit line,
- Credit limits provided by credit cards are not purposeful and may be used at
cardholder's option in contrast to other consumer credits,
- The credit limits provided by credit cards are mainly restorable. You may use
the credit again after repaying it till the end of the contract,
- By providing the minimum repayment conditions You may decide yourself the
periods for Your repayments making choice for the whole liability and/or
repayment of a part of it,
- The restorable credit line is more convenient credit option, as it allows to use the whole money again
after the repayment, as well as to have the
repayment grace period and not pay interests for credit line,
- The types of credit lines provided by the Bank's credit cards coincide with
customer requirements,
- The massive use of the cards originated from the credit card. They have
wider service point network around the world, wider opportunities and
incomparably higher authority, than the account cards.
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Credit cards for individuals |
Tariffs for provision and service
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MasterCard Standard
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Obtaining the credit card You will get a convenient mean for making payments and
getting cash at the trade and service points.
MasterCard Standard card is the most famous card program in the payment and
account system and is designed for the starters of system's credit cards. The
card is accepted at the whole network of MasterCard Worldwide payment and
account system and besides the wide service points and wide functional
opportunities, the whole list of non tete-a-tete transactions, including
internet transactions, telephone orders and post orders are available to that.
Besides the abovementioned MasterCard Standard credit card has also the
following advantages:
- In case of card loss abroad the swift card reissue service is available to
You.
What if You lost Your card abroad?
As a cardholder of MasterCard Standard card You may use swift card reissue
service and replace Your card with a new one just in 2 working days. You just
need to have passport data, 16-symboled number of Your card, the password and
the telephone number of the current country.
- In case of card loss abroad, swift cash provision service is available to You.
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of MasterCard Standard card You may make use of swift
cash provision service and receive cash in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- Service of informing about the stolen and lost cards
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
- Survey service
When You are abroad You may need information referring the service points and
ATMs.
Telephone numbers
MasterCard Global service
Cardholder services
Via
MasterCard Standard credit card the Bank provides You with all types of credit
lines.
The card is provided for 2-year period.
The card account may be opened in AMD, USD.
The credit line conditions are reflected in the tariffs. For other types of
credit lines some changes of conditions may be implemented based on the
individuality.
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MasterCard Gold
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The current credit card is MasterCard Premium class and all the advantages of
MasterCard Standard card are typical to it, including service network, wide
functional opportunities, swift card reissue, cash provision and other services.
The card is provided for emphasizing Your high position and for using more
comfortable conditions of service.
The comfortable conditions of service first of all anticipate high credit limits
and more privileged conditions for using credit lines. Using the
rehabilitating credit line via MasterCard Gold, you will get an opportunity to
use grace period for repayment, minimum repayment limit and to pay no interests.
The offerings of MasterCard Premium Collection is also available to You via
MasterCard Gold payment card, which are to make Your service and rest conditions
in higher level.
Via
MasterCard Gold payment card the offerings of MasterCard Premium Collection and
other advantages are available as well, such as:
- Discounts at many trade and service points in the world.
It will be a surprise when You get discounts, premium services and gifts
from many trade and service companies.
- In case of card loss, swift card reissue service will be available to you
abroad
What if You lost Your card abroad?
As a cardholder of MasterCard Gold card You may use swift card reissue service
and replace Your card with a new one just in 2 working days. You just need to
have passport data, 16-symboled number of Your card, the password and the
telephone number of the current country.
- In case of card loss, swift card reissue service will be available to you
abroad
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of MasterCard Gold card You may make use of swift cash
provision service and receive cash in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- Service of informing about the stolen and lost cards
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
- Survey service
When You are abroad You may need information referring the service points and
ATMs.
Telephone numbers
MasterCard Global service
Cardholder services
Via
MasterCard Gold credit card the Bank provides You with all types of credit
lines.
The card is provided for 2-year period.
The card account may be opened in AMD, USD.
The credit line conditions are reflected in the tariffs. For other types of
credit lines some changes of conditions may be implemented connected to the
individuality.
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Visa Gold
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The card is a family member of Visa Premium, and besides wide service network
and the opportunities of making all the transactions available to payment cards,
it stands out for many additional services. Emphasizing Your high position and
privileged service, it makes available lists of Visa Premium services and
opportunities to You:
- Opportunity of using special offers of trade and service points.
It will be a nice surprise when You get discounts, premium services and gifts
from many trade and service companies. With Your card You may get 75% off in
50000 hotels in the world.
- In case of card loss, swift card reissue service will be available to you
abroad.
What if You lost Your card abroad?
As a cardholder of Visa Gold card You may use swift card reissue service and
replace Your card with a new one just in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- In case of card loss abroad, swift cash provision service.
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of Visa Gold card You may make use of swift
cash provision service and receive cash up to USD 2000 or its equivalent in
other currencies in a working day. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- legal and medical consultancy.
While traveling abroad You may face many different problems and questions
related to the legal and medical services.
As a cardholder of Visa Gold card You may apply to the assistance of the
qualified specialists and get their help and consultancy. The service is
available only in case, if the traveling ticket value is paid via Your card.
- Free connection to SMS notification.
As a cardholder of Visa Gold card You may subscribe for SMS notification
service, which will allow You to efficiently manage Your account.
- Credit line provision at privileged conditions.
More convenient conditions of
Visa Gold credit card service first of all provide high credit limits and more
privileged conditions for credit line use. Using the rehabilitating credit line
of Visa Gold payment card, You will have an opportunity to use the grace period
for the repayment, the minimum repayment limit and not pay interests for credit
line.
- Survey service
When You are abroad You may need information referring the service points and
ATMs.
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
Telephone numbers
Visa Call Center Service
or +1(410) 581-99-94 և +1(410) 581-38-36
- Opportunity to get out of conversion
The system of cross calculation of Visa Gold card gives an opportunity to get
out of the foreign currency fluctuation risk while making transactions, if the
currencies of the transaction card currency coincide (only USD and EUR).
The card is provided for 2-year period.
The card account may be opened in AMD, USD and EUR.
The credit line conditions are reflected in the tariffs. For other types of
credit lines some changes of conditions may be implemented based on the
individuality.
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Visa Platinum
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The card is also a family member of Visa Premium, and it stands on a higher
level, than Visa Gold credit card. It means that Visa Platinum credit card
comprises all the advantages, which are available to Visa Gold credit card,
including wide range of service network, functional opportunities, special
offers in trade and service points, swift reissue and cash provision, as well as
other services.
The Premium service list of
Visa Platinum credit card includes:Opportunity of using special offers of
trade and service points.
It will be a surprise when You get discounts, premium services and gifts
from many trade and service companies. With Your card You may get 75% off in
50000 hotels in the world.
In case of card loss, swift card reissue service will be available to you
abroad.
What if You lost Your card abroad?
As a cardholder of Visa Platinum card You may use swift card reissue service and
replace Your card with a new one just in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- In case of card loss abroad, swift cash provision service.
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of Visa Gold card You may make use of swift
cash provision service and receive cash up to USD 2000 or its equivalent in
other currencies in a working day. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- legal and medical consultancy.
While traveling abroad You may face many different problems and questions
related to the legal and medical services.
As a cardholder of Visa Platinum card You may apply to the assistance of
the qualified specialists and get their help and consultancy. The service is
available only in case, if the traveling ticket value is paid via Your card.
- Free connection to SMS notification.
As a cardholder of Visa Platinum card You may subscribe for SMS notification
service, which will allow You to efficiently manage Your account.
- Credit line provision at privileged conditions.
More convenient conditions of Visa Platinum credit card service first of
all provide high credit limits and more privileged conditions for credit line
use. Using the rehabilitating credit line of Visa Gold payment card, You will
have an opportunity to use the grace period for the repayment , the minimum
repayment limit and not pay interests for credit line.
- Credit line provision at privileged conditions.
More convenient conditions of Visa Platinum credit card service first of
all provide high credit limits and more privileged conditions for credit line
use compared to Gold cards. Using the rehabilitating credit line of Visa
Platinum payment card, You will have an opportunity to use the grace period for
the repayment , the minimum repayment limit and not pay interests for credit
line.
-Survey service
When You are abroad You may need information referring the service points and
ATMs.
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
Telephone numbers`
Visa Call Center Service
or +1(410) 581-99-94
and +1(410) 581-38-36
- Opportunity to get out of conversion
The system of cross calculation of Visa Platinum card gives an opportunity to
get out of the foreign currency fluctuation risk while making transactions, if
the currencies of the transaction card currency coincide (only USD and EUR).
.Protection of the good bought via card, to the point of repair or money
compensation. As a cardholder of Visa Platinum card unprecedented additional
services and opportunities are available to You. Purchase protection is from the
list of those.
( Purchase protection is short-term insurance in case of good loss, steal or
accidental damage). Each good is compensated up to USD 1,500.The compensation is
made both in case of the goods bought at the place of residence and abroad in 90
days from the day of the purchase. You must notify about the request in 45 days
from the day of the accident.
- Extension of guarantee period of goods bought via card.
In addition to the abovementioned service, if purchase is carried out via Your
Visa Platinum card, it is included in the extension of guarantee period.
The extended guarantee protects the goods bought via card, automatically
prolonging the guarantee of the producer or the seller by 24 months starting
from the data of obtaining the good. The guarantee is extended for some group of
goods, including home appliances.
Visa Platinum credit card emphasizes not only Your high position but
also Your individuality.
The card is provided for 2-year period.
The card account may be opened in AMD, USD and EUR.
The credit line conditions are reflected in the tariffs. For other types of
credit lines some changes of conditions may be implemented based on the
individuality.
Visa Platinum payment card is provided exclusively by the allowance of
the Chairman of the Bank.
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Visa Infinite
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The card is a family member of Visa Premium, and it stands on the highest
level of the programs of Visa International payment and account system. Visa Infinite
card comprises all the advantages available to Visa Platinum card, including
wide range of service network, functional opportunities, special offers in trade
and service points, swift reissue and cash provision, purchase protection,
prolongation of guarantee service, as well as other services.
Visa Infinite credit card not only emphasize Your high position and
individuality, but also provides You with infinite opportunities fully going
with its name.In addition to the additional services provided with Visa
Platinum card, getting Visa Infinite credit card, You will automatically receive
up to USD 1 million multilateral insurance during traveling (to the point
of self responsibility insurance) and opportunity to use Visa concierge service.
These two additional services give an opportunity to travel any country being
sure that all Your wishes are real.
The Premium service list of
Visa Infinite credit card comprises:
- An opportunity to make use of special offers of trade and service points.
t will be a surprise when You get discounts, premium services and gifts
from many trade and service companies. With Your card You may get 75% off in
50000 hotels in the world.
What if You lost Your card abroad?
As a cardholder of Visa Infinite card You may use swift card reissue service and
replace Your card with a new one just in 24 hours. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- In case of card loss abroad, swift cash provision service.
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of Visa Infinite card You may make use of swift
cash provision service and receive cash up to USD 2000 or its equivalent in
other currencies in 24 hours. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- legal and medical consultancy.
While traveling abroad You may face many different problems and questions
related to the legal and medical services.
As a cardholder of Visa Platinum card You may apply to the assistance of
the qualified specialists and get their help and consultancy. The service is
available only in case, if the traveling ticket value is paid via Your card.
- Free connection to SMS notification.
As a cardholder of Visa Infinite card You may subscribe for SMS notification
service, which will allow You to efficiently manage Your account.
- Credit line provision at privileged conditions.
More convenient conditions of Visa Infinite credit card service first of
all provide high credit limits and more privileged conditions for credit line
use. Using the rehabilitating credit line of Visa Infinite payment card, You will
have an opportunity to use the grace period for the repayment , the minimum
repayment limit and not pay interests for credit line.
- Credit line provision at privileged conditions.
More convenient conditions of Visa Platinum credit card service first of
all provide high credit limits and more privileged conditions for credit line
use compared to Gold cards. Using the rehabilitating credit line of Visa Infinite payment card, You will have an opportunity to use the grace period for
the repayment , the minimum repayment limit and not pay interests for credit
line.
-Survey service
When You are abroad You may need information referring the service points and
ATMs.
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
Telephone numbers`
Visa Call Center Service
or+1(410) 581-99-94 և +1(410) 581-38-36
- Opportunity to get out of conversion
The system of cross calculation of Visa Infinite card gives an opportunity to get
out of the foreign currency fluctuation risk while making transactions, if the
currencies of the transaction card currency coincide (only USD and EUR).
- Protection of the good bought via card, to the point of repair or money
compensation. As a cardholder of Visa Infinite card unprecedented additional
services and opportunities are available to You. Purchase protection is from the
list of those.
( Purchase protection is short-term insurance in case of good loss, steal or
accidental damage).
Each good is compensated up to USD 5,000.The compensation is
made both in case of the goods bought at the place of residence and abroad in 90
days from the day of the purchase. You must notify about the request in 45 days
from the day of the accident.
Extension of guarantee period of goods bought via card.
In addition to the abovementioned service, if purchase is carried out via Your
Visa Infinite card, it is included in the extension of guarantee period.
The extended guarantee protects the goods bought via card, automatically
prolonging the guarantee of the producer or the seller by 24 months starting
from the data of obtaining the good. The guarantee is extended for some group of
goods, including home appliances.
Visa Platinum credit card emphasizes not only Your high position but
also Your individuality.
The card is provided for 2-year period.
The card account may be opened in AMD, USD and EUR.
- Multilateral travel insurance
The multilateral travel insurance includes insurance for all cases for up to 76
years old persons. It protects You and Your family (Cardholder, his her spouse,
up to 18 years old non-married children or up to 23 years old student children,
as well as adopted children) while traveling, with up to 90 day period, and it
includes travel failure, return insurance, lost luggage and money insurance, as
well as death and unemployment insurance. The service is available only in
case if the traveling ticket value is paid via Your card.
- CONCIERGE SERVICE
Visa concierge service is available 24 hours a day, excluding Russian and
English languages.
The slogan of the concierge service of Visa Infinite
card is "We will make real the everything which is possible"
The card is provided for 2-year period.
The card account may be opened in AMD, USD and EUR.
The credit line conditions are reflected in the tariffs. For other
types of credit lines some changed of conditions may be implemented connected to
the individuality.
Visa Infinite is provided exclusively by the allowance of the
Chairman of the Bank.
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Credit cards for legal entities |
Tariffs for provision and service
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MasterCard Business
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The main purpose for the credit card is to render convenient payment means for
the managers and employees for business trip and other expenses, which gives an
opportunity to efficiently manage and control and get many other services. The
card is a card program of corporate segment of MasterCard Worldwide
international payment and accounting system and gives an opportunity to make
almost all card transactions in all type of service points. The card is unique
with its convenience, with wider service network, as well as with high level of
credit lines and expense limit. It is available the whole list of online,
telephone and post order transactions with the card. The additional list of the
services include:
In case of card loss, swift card reissue service
will be available to You abroad.
What if You lost Your card abroad?
As a cardholder of MasterCard Business card You may use swift card reissue service and
replace Your card with a new one just in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
- In case of card loss abroad, swift cash provision service.
What to do if You have lost Your card abroad and You
extremely need money?
As a cardholder of MasterCard Business card You may make use of swift
cash provision service and replace Your receive cash in 2 working days. You just need to have
passport data, 16-symboled number of Your card, the password and the telephone
number of the current country.
Service of informing about the stolen and lost cards
If You have lost Your card abroad or it is stolen and You have no an
opportunity to contact the Bank, You may use card stop service.
- Survey service
When You are abroad You may need information referring the service points and
ATMs.
Telephone numbers
Telephone numbers`
MasterCard Global service
Cardholder services
Via
MasterCard Business credit card the Bank provides all types credit lines.
The card is provided for 2-year period.
The card account may be opened in AMD and USD.
The credit line conditions are reflected in the tariffs. For other types
of credit lines some changed of conditions may be implemented connected to the
individuality.
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The safety of payment card use
Ardshininvestbank cares about You and advices to follow the safety rules of card
use.
Payment card keeping
- Keep the card in the place not available to other persons, be attentive
to it, especially in public places.
- Do not increase the encashment and other limits without the
extreme situations; those will decrease the risk of not permitted use of card by
other persons.
- While making payment or encashment, do not give Your card to other
person, besides the corresponding employee (teller).
- Do not trust Your card to Your relatives. If necessary, order
additional cards for them.
- Do not show the password of Your card account to other persons.
- Do not show Your PIN code to other persons.
- In case of card loss
call and stop Your card operation immediately.
o telephone number on the reverse of the
card : (+374 10 590472), or
o the processing center telephone number mentioned in the reverse of the
card: (+374 10 440224), or o When You are abroad, besides the telephone numbers
mentioned You may use telephone numbers mentioned in
www.visacemea.com
and www.mastercard.com
sites (those services may be chargeable).
- After getting the card You need to put Your signature in the reverse of
the card.
- The card may be damaged from the influence of magnetic field,
temperature and physical power.
Using payment cards in ATMs:
- While making encashment operation use the ATMs of reliable banks.
- While making transactions via ATM and other self-service machine, pay
attention to the appearance, the hole of card acceptance and the keyboard.
Search for another ATM in case of foreign machines, availability of wires or
other suspects.
- Do not use ATMs and other self-service machines in dark and non-crowded
places, or if You have noticed suspect persons.
- While entering the PIN code of ATMs and other self-service machine, do it
invisibly. Do not accept the suggestions of other persons to assist You.
- Enter Your PIN code attentively; entering a wrong PIN code three times
subsequently, will cause the card to be confiscated.
- If the ATMs or other self-service machines refuse to make transactions,
read the reason of the refuse attentively.
- Do not forget to take your card, receipt and money after making the
transactions by ATMs and other self-service machines.
- If You have some questions during ATM use, do not refer to others for help;
just call the Bank (+374 10 590472) or apply to the branch.
- Always keep the receipts provided by the ATM or other self-service machine.
Using payment cards at trade points
- Before putting the signature on the receipt while making transactions You must
check the transaction amount and keep it.
- All the transactions at trade points must be carried out at Your presence.
- Do not make payments at suspected places or online (e.g. night clubs, suspect
erotic sites). Particularly, You need to remember this while traveling in
Eastern and Asian countries.
- While entering the PIN code, it is made on the machine or the keyboard
attached to that.
- If an error has occured during the transactions and You have been promised
to adjust it in future, You need:
o to refuse putting the signature on the
receipt
o If the receipt is signed, ask to cancel the receipt at the presence of You
o If the receipt is signed, ask to make reverse transaction and sign a new
receipt
o If it is necessary, call the Bank (+374 10 590472) or apply to the
branch.
Using payment cards in Internet
- Make transactions only via the sites, about which You have enough information and
trust.
- While making transactions in internet environment, CVC2/CVV2 code enter is
permitted, which is located at the reverse of Your card and consists of 3
symbols.
- While making transactions in internet shops be sure, that the policy of
Customer's benefit protection and contacts of the company are publicized (if possible check those).
- PIN code enter is excluded during the transaction implementation.
- Be careful of viruses while making frequent internet transactions. It may
cause the information outflow.
Guide for PIN code protection
- PIN code is provided exclusively for personal use; no one has a right to
require from You to tell the PIN code.
- Do not write your PIN code in the card and do not hold those together.
Register that in a safe place or just remember it.
Guide for personal data protection
- Personal data - the data, which are used from the Bank for Your identification
- the password, passport data, card number and account number, other passwords
and PIN code.
- Do not provide Your personal data to strangers and do not make those available
(e.g. do not inform Your data via telephone in public places and at the
presence of others).
Ardshininvestbank advices:
- To check Your receipt monthly.
- Use internet card management (ecard.ashib.am)
and SMS information services.
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Non-permitted cost overrun of card account
The characteristics of payment card transactions may bring to the origination of
non-permitted cost overrun of card account
(on-permitted cost overrun is the overdraft provided in the framework of the
contract with the Bank).
ATTENTION: The origination of
card account cost overrun suggests levying fine by the Bank.
How to overcome the cost overrun of card account.
Making encashment operation
Almost each encashment operation suggests commissions, which is calculated in
several days after making the transaction. If there is no enough balance in
Your account for making the operation, the cost overrun of the account is
originated as a result of commission calculation.
While making an encashment You need to pay more attention to the operations made
in the ATMs and encashment points of other banks, as in this case the
commissions exceed by several times the encashment commissions made those of
Ardshininvestbank.
We ask You to take into the consideration the encashment tariffs during the
operation.
Making transaction in the currency which is different from the account
currency
Usually the card transactions are made in two stages: money freezing of card
account, then money withdrawal from card account.
If You make transactions, first of all money freezing is made in Your card
account, and if the currency of the transaction is different from the account
currency, the freezing is made in a certain exchange rate. Then, if several days
ago actual withdrawal is made, as a result of the changed exchange rate, the
actual money charged may be more than the frozen one, which in turn may cause
non-permitted cost overrun of the account.
Please take into account the fluctuation of currency exchange rate while
making transactions and if possible, do not fully use Your card account.
Uncertified transactions
It basically refers to credit cards, but sometimes also to debit and
credit cards.
While making operations in some trade points, no verification is done to check
if there are enough means in card account to make transactions. A s a result of
that no money freezing is made, and You do not see the amount of the
transaction, but in some period of time it will be discounted to Your card
account. and in case of the absence of the available balance, non-permitted
cost overrun will occur.
Please, in case of uncertified transactions (as a result of which You do not
see the change in Your balance) take into consideration, that the
transaction will be discounted to Your card account in future.
Accumulation of the interests
If credit limit is provided to Your payment card, then in some days of the
month, in accordance with the signed agreement, an interest will be accumulated
to the used part of the credit and in case of the absence of the balance
available to card account non-permitted cost overrun of the account will
occur.
Please, while using the credit limit, take into account the fact of
interest accumulation and, if possible, do not fully use the credit limit.
Salary cards
If Your card has been issued in the framework of salary program and some
privileges are provided for some banking services, then after coming out from
the salary plan, Your card will be served at standard tariffs, which may bring
to some commission payments, which have not been in past.
Please, take into account that after coming out from the salary program take
into consideration, that some changes may occur in service tariffs.
Other commissions
When using the card commissions provided in the tariffs may be withdrawn from
Your card account , such as annual service fee, SMS message commissions, etc. In
case of the absence of balance available to Your card, the levies may cause
cost overrun expense.
Please, take into account the tariffs of the services You use, and, if
possible, do not fully use the balance of Your card account.
Ardshininvestbank offers:
Use management tools of Your card account:
- cardholders' service, telephone number (+374 10) 59-04-72,
- monthly excerpts,
- account control via internet,
- SMS information.
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Appeal of the transactions made by payment card
Appealing opportunity of the transactions is one of the basic advantages of
payment cards.
Appealing opportunity of the transactions is a very important process and
one of the main purposes is the protection of customers' benefit. But the
transaction appeal must be done in clearly defined terms and conditions.
The customer may present his/her disagreement referring to payment card
transactions by fulfilling the application form defined by the Bank or at
discretion of the Bank, other acceptance methods not later than during 35 days.
In case of not getting any appealing during mentioned period of time the
transactions are considered as accepted by the Customer and not subject to
appeal. In addition to that, the application may be presented both
visiting the Bank and by emailing (if the email address is mentioned in the
database of the customers) or by other mean of telecommunication, accepted by
the Bank.
The other forms for presenting the application are acceptable for the Bank
only in case if the Bank is able to identify the Customer's personality (has
sufficient bases).
The presented application is observed by the Bank in
maximum 5(five) working days, after which the Bank starts the process of
charging back for paying back the appealed money or informs the Customer about
the impossibility to return it.. The periods of charging back process
is defined in accordance with the internal legal acts of the payment and
account system.
The maximum period for the observation referring the process of charging
back of transaction sum again is 10 (ten) working days.
Application form for transaction appealing |
The
card use is convenient:
√ The credit line is always available to use, and as soon as
it is not used, the interest calculation is not acting.
√ The cards of Arca, Visa International and MasterCard Worldwide
systems are accepted in more than 2000 trade points and in more than 500 ATMs.
√ The cards of Visa International and MasterCard Worldwide
international payment and account systems are accepted in more than 26 million
trade points and in more than 700 thousand ATMs around the world.
√ The payment card will release You from the inconveniencies
typical to the cash: it sometimes is not placed in the pocket, and sometimes it
is not enough. With card Your credit line is always with
You.
√ The availability of the card gives an opportunity to You
to order a room in the hotel without any difficulties, rent a car, make payments
via Internet and telephone.
√ By receiving monthly detailed excerpts You manage Your expenses
and use the credit line more efficiently.
√ While You are abroad You do not need to care about
buying the currencies of other countries, as all the exchanges will be made
automatically when making transactions, at the same time:
- when making transactions in
the service points and ATMs of "Armenian Card" payment and account system's
member banks, as well as when making transactions in all the service points
and ATMs of "ArCa" payment cards:
- transactions regarding the purchase of foreign currency (from the viewpoint of
Customer) are accomplished at the day of transaction arrangement at the
exchange rate for the purchase defined by the Bank,
- transactions regarding the sell of foreign currency (from the viewpoint of
Customer) are accomplished at the day of transaction arrangement at the exchange
rate defined for the CB,
- while using the
service points out of the RA and those of other banks:
- transactions regarding the purchase of foreign currency (from the viewpoint
of Customer) are accomplished by the payment and account system (Visa International, MasterCard Worldwide)
at the exchange rate for foreign currency sell,
- transactions regarding the sell of foreign currency (from the viewpoint of
Customer) are accomplished by the payment and account system (Visa
International, MasterCard Worldwide) at the day of transaction arrangement at
the exchange rate defined for the current foreign currency.
√ In this point the information referring the foreign
currency exchange rate is true, if no other exchange rates are defined by the
service point of the current bank. Particularly, You need to carefully specify
the exchange rates while making transactions via the encashment terminals of
other banks.
The
card use is safe;
√ The loss of the payment system does not mean money loss.
The safety rules make the use of the stolen and lost cards by other persons
minimum.
√ Your PIN code and signature sample protect the card.
The
advantages of payment cards of Ardshininvestbank:
√ Using our payment card You trust Your finances to one of
the most reliable Armenian bank having the greatest experience in customer
service.
√ The encashment points and ATM network of
Ardshininvestbank comprises about 60 encashment points and more than 60 ATMs in
the area of the RA.
√ The biggest part of the ATMs of the Bank are available
to You 24 hours a day.
√ The Bank offers wide variety of payment cards of three
payment and account systems, such as "Visa International", "MasterCard
Worldwide" and "Armenian Card".
√ The Bank offers payment card in three currencies:
Armenian Dram, US Dollars and Euro.
√ While making transactions the exchange of all currencies
are made automatically. While You are abroad You do not need to bother about
currency exchange and transferring cash at a large amount. Your money is always
with You at a necessary currency.
√ The bank gives an opportunity for free registration in
the card management online system, where You may make transfers, payments, see
the balance and excerpts(ecard.ashib.am).
√ With the Bank You will obtain a reliable protector of
Your rights, which will help You appeal the actions in the service points.
√ The premium segment credit cards of the Bank will give
You opportunities to use many other attractive and unprecedented services.
Required documents
For the RA residents:
- Passport,
- Social card (or reference to refuse the social card),
- Application,
- Documents necessary for the creditability evaluation defined with the
internal legal acts of the Bank.
For non-residents of the RA
- Passport,
- Application,
- Documents necessary for the creditability evaluation defined with the
internal legal acts of the Bank.
After applying to the Bank all the
necessary documents, regarding the territorial subdivision of the Bank the
documents are presented.
- Debit and accounting card provision or provision refusal is made during 5
working days,
- Credit card provision or provision refusal is made during 7 working days.
The limit provision or provision refusal of accounting cads are made in 7
working days.
Card activation is made at the same working day after making all the
necessary payments. |
For all other questions You may call
"Ardshininvestbank" CJSC. Telephone: (+374 10)
59-04-72.
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