The Basisbank’s credit card is one of the most convenient cards combining key advantages of both: credit and debit cards.
Service Technology:
The Bank allows the credit card holder to make all payments both by means of the deposit on his/her card as well as on credit based on pre-arranged credit terms with the Bank (in USD, GEL). This means that the client’s card account will be tied with the credit card through the corresponding credit line. The issued credit is covered by the client by means of filling the card account.
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The credit is issued without any collateral or corporate warranty;
- You can use the credit limit awarded to you at any time during 1 (one) year, while the credit line remains renewable;
- The amount within negotiated credit limit can be utilized either at once or in part;
- You can monitor your expenditure via Internet Banking;
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You can make your payments at millions of vendors worldwide;
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Customers do not have to pay any commission fee for awarded credit.
- A credit line can be tied to your existing card (VISA CLASSIC, or VISA GOLD) after filling in a special application form;
- You have to purchase a new credit card (VISA CLASSIC, or VISA GOLD) by filling in a special application form;
The credit card application forms can be found in Basisbank’s offices.
Credit limit is up to 10 000 Gel.
Credit limits are negotiated individually with every client. The limit is awarded by the Bank in accordance with your financial record and your credit history with the Bank.
- an applicant should a have stable monthly income (not less than 400 Gel)
- an applicant should be of a full legal age and have an ID document.
Providing additional documents (driving license, international passport, reference from your employer, etc.) to the Bank will be welcomed and considered when awarding the credit limit.
Interest rate charged monthly to credit card is 2%.
The awarded credit limit can be used at once or in part.
The interest rate is charged only to the amount actually spent by the client. Repayment of the principal amount and the interest accrued on it is made the same day when the funds are transferred to the client’s card account.
The credit can be repaid by paying cash at pay desk as well as by making transfers to the client’s account.
The only thing you need to do (in case you have wholly or partly used the limit) is a monthly deposit or transfer of 5% of the credit limit to your account. You can cover a part of your credit by the amount and also use the deposited amount later.
| Expiry period |
2 years |
| Principle card service fee for the first year |
|
|
25 USD |
|
60 USD |
| Principle card service fee for the second year |
|
|
20 USD |
|
40 USD |
| Renewal of card |
|
|
20 USD |
|
40 USD |
| Additional card |
|
|
25 USD |
|
60 USD |
| Urgent card issuing |
+ 20 USD |
| Daily Cash withdrawal limit |
|
|
1500 USD |
|
3000 USD |
| Commision on Change Daily Cash withdrawal limit (1 month) |
|
|
10 GEL |
|
10 GEL |
| Daily transaction limit |
|
|
7000 USD |
|
15000 USD |
| Basisbank’s ATMs |
0.3% , min. 0.15 |
| Agent Banks’ ATMs |
1% |
| Other ATMs |
2% min. 3 USD |
| Basisbank branches |
0.3% , min. 0.15 |
| Agents Banks branches |
1% |
| Other Banks |
2% min. 3.5 USD |
| Local |
Free |
| International |
Free |
|
Transfer fees on plastic cards |
|
| From local merchants |
0,5% |
|
From international merchants |
1% |
| Local Stop-list |
|
|
5 USD |
|
5 USD |
| International Stop-list (2 weeks) |
|
|
40 USD |
|
40 USD |
| Unauthorized overdraft interest |
32% |
| Card balance statement |
Free |
|
The cost of protest against transaction |
10 USD |
| Replacement of damaged card |
|
|
15 USD |
|
25 USD |
| PIN-code replacement |
|
|
10 USD |
|
15 USD |
| Renewal of damaged / lost card |
|
|
20 USD |
|
40 USD |
| Suspension of damaged / lost cards via GCAS |
|
|
— |
|
40 USD |
| Urgent renewal of card |
|
|
— |
|
250 USD |
| Urgent withdrawal of the card |
|
|
— |
|
200 USD |
