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The maximum credit limit on Visa credit card is GEL 5 000.
The allowed credit limit on the card is considered individually depending on the financial situation and credit history with the bank.To fill in the application for a credit card you need a proven income of not less than GEL 400 and an identity document.

The approved credit limit can be used both as a lump sum and in part. When using the credit limit, interest is accrued only on the amount that is actually used.

Credit limit is repaid is realized on the day the funds are credited to your card account. Interest is realized on the last day of the month

VISA Classic Service Fees

Expiry period2 Years
Annual service
Principle card service fee for the first year15 GELVisa Instant: Free
Principle card service fee for the second year15 GELVisa Instant: Free
Renewal of card15 GELVisa Instant: Free
Additional card15 GEL
Urgent card issuing+ 50 GELVisa Instant: The card is issued upon request without additional fee
Daily Cash withdrawal limit1500 USD
Commision on Change Daily Cash withdrawal limit (1 month)10 GEL
Daily transaction limit7000 USD
Cash withdrawal fee in ATMs
Basisbank’s ATMs0.2% min. 0.2 GELVisa Instant: 1% min. 1 GEL
Agent Banks’ ATMs0.5% min. 0.5 GEL*Visa Instant: 1% min. 1 GEL
Other ATMs2% min. 7.5 GEL
Cash withdrawal fee in Bank
Basisbank branches0.2% min. 0.2 GEL
Agents Banks branches2% min. 6 GEL*
Other Banks2% min. 6 GEL
Transfer fees on plastic cards
From local merchants0.5%
From international merchants1%
Transaction fee at merchants
LocalFree
InternationalFree
Stop-List Fee
Local Stop-listFree
International Stop-list (2 weeks, one region)100 GEL
Administrative Fee
Unauthorized overdraft interest32%
Card balance statementFree
The cost of protest against transaction. International/ Local25 GEL/Free
Replacement of damaged card15 GEL
Renewal of damaged / lost card15 GEL
Cost of payment by card in public transport in Tbilisi, Kutaisi and GoriSubway, bus and cable car "Chavchavadze Ave.-Turtle Lake" - 1.10 GEL, travel by cable car - 2.60 GEL
Cost of payment by Apple Pay and Gpay in public transport in Tbilisi, Kutaisi and GoriSubway, bus and cable car "Chavchavadze Ave.-Turtle Lake" - 1.50 GEL, travel by cable car - 3 GEL

*Partner Banks: TBC Bank, Halyk Bank, Cartu Bank, Ziraat Bank


Conditions of money amount conversion: 

In case when card operation is carried out on the territory of Georgia and using currency different from  the currency(ies) of card Account, operation has to be carried out with conversion in compliance with commercial exchange rate set by the Bank for the day of displaying the transaction on card Account.

For transactions carried out out of territory of Georgia is used conversion in compliance with commercial exchange rate set by the Bank for the day of fixing the transaction on card Account plus 1%.

Upon carrying out operations with currency(ies) different from the currency of settlement payment system, the conversion exchange rate is set by related payment system: VISA, Mastercard or Union Pay plus 2% of operation amount as a commission of Bank service.

Due to the fact that amount is written off in several days after the transaction carrying out by the customer should be considered that exchange rate set for the day of blocking and rate existed on the day of processing the transaction by payment system can differ from each other.

Conversion between the accounts is always carried out in compliance with commercial exchange rate actual for the moment of operation processing.
 

Schemes of conversion

Currency exchange rates of  VISA 

Commercial exchange rate of the Bank

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