Mastercard միջազգային վճարային քարտեր
Mastercard international payment cards
The promotion is valid at Unibank branches "Dalma" and "Garegin Nzhde" and runs until June 30, 2026.
The promotion is for residents customers only.
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Mastercard international payment cards |
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PRIVE resident |
Resident |
Non-resident |
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Type of banking operation |
Individual |
Legal entity |
Individual |
Legal entity |
Individual |
Legal entity |
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Card issuance |
1.000 |
1.000 |
10.000 |
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Annual service fee
(charged from 2nd year) |
4.000 |
4.000 |
10.000 |
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Non-declining balance |
Not required |
Not required |
Not required | ||||
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Re-issue of lost, stolen or damaged card |
3.000 |
3.000 |
10.000 |
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Provision of statement |
Free of charge |
Free of charge |
Free of charge |
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Provision of attached cards |
Free of charge |
Free of charge |
10,000 |
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Attached card annual service fee |
3.000 |
3.000 |
10,000 |
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Sending SMS about transactions (the tariff is valid when sending to a non-local mobile operator number) |
10.000* |
10.000* |
10.000* |
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Card placement in the STOP list (7 days) |
10.000 |
10.000 |
10.000 |
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Penalty for returning the card to the bank before its expiration date |
0 |
0 |
0 | ||||
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Cash withdrawal at bank cash points |
0% |
0% |
0% |
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Cash withdrawal at local banks’ cash desks |
1% |
1% |
1% |
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The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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At other bank cash withdrawal points |
1,3% |
1,3% |
1,3% |
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The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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From the credit means at the Bank cash points |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
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Transactions in trade centers |
Free of charge |
Free of charge |
Free of charge |
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Transactions daily limit (cash and non-cash) |
2.5 million AMD /15 deals/ |
2.5 million AMD /15 deals/ |
2.5 million AMD /15 deals/ |
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Card to card transfer |
0,5% |
0,5% |
0,5% |
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Annual interest rate calculated on the Positive balance of the card account |
0% |
0% |
0% |
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Penalty for exceeding the permitted payment limit |
36% annually |
36% annually |
36% annually |
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Card validity |
3 years |
3 years |
3 years |
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Urgent re-issuance of the card in case of losing the card abroad |
125.000 |
125.000 |
125.000 |
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International card blocking initiated by the cardholder |
15.000 |
15.000 |
15.000 |
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Express card issuance within 1 business day |
5.000 |
5.000 |
50.000 |
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Cash withdrawal above the established limit / limit increase/ |
0,3% |
0,3% |
0,3% |
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Copy request from the service provider(copy request) |
5.000 |
5.000 |
5.000 |
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Cash withdrawal from POS terminal (USD, EUR, RUR) |
1% |
1% |
1% |
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Card issuance |
4.000 |
4.000 |
50.000 | ||||
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Annual service fee
(charged from 2nd year) |
18.000 |
18.000 |
50.000 | ||||
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Non-declining balance |
Not required |
Not required |
Not required | ||||
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Re-issue of lost, stolen or damaged card |
10.000 |
10.000 |
50.000 |
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Provision of statement |
Free of charge |
Free of charge |
Free of charge | ||||
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Provision of attached cards |
5.000 |
5.000 |
50.000 | ||||
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Attached card annual service fee |
15.000 |
15.000 |
50.000 | ||||
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Sending SMS about transactions (the tariff is valid when sending to a non-local mobile operator number) |
10.000* |
10.000* |
10.000* |
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Card placement in the STOP list (7 days) |
10.000 |
10.000 |
10.000 | ||||
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Penalty for returning the card to the bank before its expiration date |
0 |
0 |
0 | ||||
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Cash withdrawal at bank cash points |
0% |
0% |
0% | ||||
|
Cash withdrawal at local banks’ cash desks |
1% |
1% |
1% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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|
At other bank cash withdrawal points |
1,3% |
1,3% |
1,3% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|||||||
|
From the credit means at the Bank cash points |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
0,5%, min 50 AMD | ||||
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Transactions in trade centers |
Free of charge |
Free of charge |
Free of charge | ||||
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Transactions daily limit (cash and non-cash) |
6 million AMD
/15 deals/ |
6 million AMD
/15 deals/ |
6 million AMD /15 deals/ |
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Card to card transfer |
0,5% |
0,5% |
0,5% | ||||
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Annual interest rate calculated on the Positive balance of the card account |
0% |
0% |
0% | ||||
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Penalty for exceeding the permitted payment limit |
36% annually |
36% annually |
36% annually | ||||
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Card validity |
3 years |
3 years |
3 years | ||||
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Urgent re-issuance of the card in case of losing the card abroad |
125.000 |
125.000 |
125.000 | ||||
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International card blocking initiated by the cardholder |
15.000 |
15.000 |
15.000 | ||||
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Express card issuance within 1 business day |
5.000 |
5.000 |
50.000 | ||||
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Cash withdrawal above the established limit /limit increase/ |
0,1% |
0,1% |
0,1% | ||||
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Copy request from the service provider |
5.000 |
5.000 |
5.000 | ||||
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Cash withdrawal from POS terminal (USD, EUR, RUR) |
1% |
1% |
1% | ||||
|
Card issuance |
50.000 |
50.000 |
100.000 | ||||
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Annual service fee
(charged from 2nd year) |
100.000 |
100.000 |
100.000 | ||||
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Non-declining balance |
Not required |
Not required |
Not required | ||||
|
Re-issue of lost, stolen or damaged card |
100.000 |
100.000 |
100.000 |
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Provision of statement |
Free of charge |
Free of charge |
Free of charge | ||||
|
Provision of attached cards |
Free of charge |
Free of charge |
Free of charge | ||||
|
Attached card annual service fee |
100.000 |
100.000 |
100.000 | ||||
|
Sending SMS about transactions (the tariff is valid when sending to a non-local mobile operator number) |
10.000* |
10.000* |
10.000* |
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Card placement in the STOP list (7 days) |
10.000 |
10.000 |
10.000 | ||||
|
Penalty for returning the card to the bank before its expiration date |
0 |
0 |
0 | ||||
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Cash withdrawal at bank cash points |
0.3% |
0.3% |
3% | ||||
|
Cash withdrawal at local banks’ cash desks |
1% |
1% |
3% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|||||||
|
At other bank cash withdrawal points |
1,3% |
1,3% |
3% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|||||||
|
From the credit means at the Bank cash points |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
3% | ||||
|
Transactions in trade centers |
Free of charge |
Free of charge |
Free of charge | ||||
|
Transactions daily limit (cash and non-cash) |
20 million AMD /20 deals/ |
20 million AMD /20 deals/ |
20 million AMD /20 deals/ |
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|
Card to card transfer |
0,5% |
0,5% |
0,5% | ||||
|
Annual interest rate calculated on the Positive balance of the card account |
0% |
0% |
0% | ||||
|
Penalty for exceeding the permitted payment limit |
36% annually |
36% annually |
36% annually | ||||
|
Card validity |
3 years |
3 years |
3 years | ||||
|
Urgent re-issuance of the card in case of losing the card abroad |
125.000 |
125.000 |
125.000 | ||||
|
International card blocking initiated by the cardholder |
15.000 |
15.000 |
15.000 | ||||
|
Express card issuance within 1 business day |
5.000 |
5.000 |
50.000 | ||||
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Cash withdrawal above the established limit / limit increase/ |
0 |
0 |
0 | ||||
|
Copy request from the service provider |
5.000 |
5.000 |
5.000 | ||||
|
Cash withdrawal from POS terminal (USD, EUR, RUR) |
1% |
1% |
1% | ||||
|
Card issuance* |
10.000 |
10.000 |
30.000 | ||||
|
Annual service fee
(charged from 2nd year) |
10.000 |
10.000 |
30.000 | ||||
|
Non-declining balance |
Not required |
Not required |
Not required | ||||
|
Re-issue of lost, stolen or damaged card |
3.000 |
3.000 |
3.000 | ||||
|
Provision of statement |
Free of charge |
Free of charge |
Free of charge | ||||
|
Provision of attached cards |
Not available |
Not available |
Not available | ||||
| Attached card annual service fee (from 2nd year) |
- |
- |
- | ||||
|
Sending SMS about transactions (the tariff is valid when sending to a non-local mobile operator number) |
10.000* |
10.000* |
10.000* |
||||
|
Card placement in the STOP list (7 days) |
10.000 |
10.000 |
10.000 | ||||
|
Penalty for returning the card to the bank before its expiration date |
0 |
0 |
0 | ||||
|
Cash withdrawal at bank cash points |
0% |
0% |
0% | ||||
|
Cash withdrawal at local banks’ cash desks |
1% |
1% |
1% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|||||||
|
At other bank cash withdrawal points |
1,3% |
1,3% |
3% | ||||
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|||||||
|
POS transactions (merchant locations) |
Free of charge |
Free of charge |
Free of charge | ||||
|
Transactions daily limit (cash and non-cash) |
8 million AMD /20 deals/ |
8 million AMD /20 deals/ |
8 million AMD /20 deals/ |
||||
|
Card to card transfer |
0,5% |
0,5% |
0,5% | ||||
|
Annual interest rate calculated on the Positive balance of the card account |
0% |
0% |
0% | ||||
|
Penalty for exceeding the permitted payment limit |
36% annually |
36% annually |
36% annually | ||||
|
Card validity |
3 years |
3 years |
3 years | ||||
|
Urgent re-issuance of the card in case of losing the card abroad |
125.000 |
125.000 |
125.000 | ||||
|
International card blocking initiated by the cardholder |
15.000 |
15.000 |
15.000 | ||||
|
Express card issuance within 1 business day |
5.000 |
5.000 |
50.000 | ||||
|
Cash withdrawal above the established limit /limit increase/ |
0.3% |
0.3% |
0.3% | ||||
|
Copy request from the service provider |
5.000 |
5.000 |
5.000 | ||||
|
Cash withdrawal from POS terminal (USD, EUR, RUR) |
1% |
1% |
1% | ||||
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Mastercard Standard AMD Pension |
|
|
Card issuance |
Free of charge |
|
Annual service fee |
Free of charge |
|
Non-declining balance |
Not required |
|
Re-issue of lost, stolen or damaged card |
Free of charge (max 3 times) |
|
Provision of statement |
Free of charge |
|
Card placement in the STOP list (7 days) |
10.000 |
|
Penalty for returning the card to the bank before its expiration date |
0 |
|
Cash withdrawal at the bank cash points |
0% |
|
Cash withdrawal at local banks’ cash points |
0,5% |
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|
|
At other banks' cash points |
1,3% |
|
The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
|
|
Cash withdrawal from credit funds at the bank's ATMs |
Nor providing |
|
Transactions in trade and service points |
Free of charge |
|
Transactions daily limit (cash and non-cash) |
2.5 mln AMD /15 transactions/ |
|
Annual interest rate calculated on the positive balance of the card account |
2% |
|
Card validity |
3 years |
|
Urgent re-issuance of the card in case of losing and delivering abroad |
125.000 |
|
International card blocking initiated by the cardholder |
15.000 |
|
Cash withdrawal above the established limit / limit increase/ |
Free of charge |
* Billed annually at the beginning of the current year
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Card Delivery |
PRIVE resident |
Resident |
Non-resident |
|||
|
Individual |
Legal entity |
Individual |
Legal entity |
Individual |
Legal entity |
|
|
Card Delivery within Armenia ** |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
|
Card Delivery to EAEU Countries *** |
10,000 |
10,000 |
10,000 |
10,000 |
10,000 |
10,000 |
|
Card Delivery to Other Countries *** |
25,000 |
25,000 |
25,000 |
25,000 |
25,000 |
25,000 |
* If the card is not received from Unibank branches or received via courier delivery within 90 days, it will be automatically closed. To order a new card, the applicable fee must be paid again in accordance with the Bank’s current tariffs.
**
1. Cards issued within salary projects, as well as cards issued to depositors, are delivered free of charge.2. Cards issued within credit lines are delivered free of charge.
3. Visa Signature, Visa Infinite, Mastercard World Travel and Mastercard World Elite cards are delivered free of charge.
4. In case of remote renewal of a card’s validity period for clients who are residents of the Republic of Armenia, delivery is provided free of charge.
Delivery is not carried out in the following cases:
• the delivery address is located in a risk zone determined by the Bank or in a hard-to-reach location where delivery safety cannot be guaranteed;• the courier service is unable to contact the client, or the client refuses to receive the card at the agreed time;
• adverse weather conditions, road closures, or other emergency situations make safe transportation impossible.
*** Delivery is carried out by a courier service. The card and the PIN code are sent in sealed envelopes in strict compliance with security requirements.
In the event of any change to the delivery address at the client’s initiative, the applicable tariffs will apply, including in cases of free card delivery: within the Republic of Armenia - AMD 1.000; to EAEU countries - AMD 10.000; to other countries- AMD 25.000.