We will offer improved terms to our consumers:
High interest rates will be accrued to your account, guaranteed 8.00% in GEL and 5.00% in USD. You will be able to withdraw your money from Basisbank ATMs and service centers at any time free of charge. Transfer of money to Geocell Visa Card, as well as its withdrawal is unlimited.
You can order Geocell Visa Card only with a debit function.
Credit Details of Geocell Visa Card
Geocell Visa Card gives you an opportunity to borrow money today and give it back whenever you want - in a month, in a year or even later!
If you return the borrowed money within 30 days and have a positive balance by the end of the month, you will not have to pay any interests!
If you fail to return the money in due time, don’t worry – you will have to pay only 15% per year.
Remember that interests will be accrued only to the really used sum and not to the entire credit limit!
Credit limit can be used at once or by installments at any time worldwide.
The only thing you should do (if you have used the limit totally or partially) is to transfer 5% of credit limit to your account per month. This sum will cover your credit, but as we have already mentioned, you can use the transferred sum again.
Purchases
Purchasing with Geocell Visa Card
Geocell Visa Card is meant for purchasing operations and you do not pay any commission for this. Simultaneously, you will receive Geocell bonuses.
You can use Geocell Visa Card in any place of the world where International Visa is being served.
Communal Payments
You can pay bills via Geocell Visa Card, if you visit www.bankonline.geand choose the payment you wish to make. You will certainly receive Geocell bonuses for the payments made via Geocell Visa Card.
Bonuses
Bonus Program for Geocell Visa Card Owners
For every GEL 100 spent from Geocell Visa Card during a month you will receive 10 free minutes. Above GEL 100 on every 50 GEL spent with Geocell Visa Card you will get additional 5 minutes. Besides, you will receive 30 free SMS.
Note: When collecting bonuses, transactions less than GEL 10 are not taken into consideration.
Order of Receiving Bonuses
When using Geocell Visa Card you will receive bonuses according to the amount you spend during a month (month is counted from the 27th of the last month including the 26th of the next month). Collected bonuses will be transferred to your bonus account in Geocell at the beginning of the month as free minutes.
You will get information about received Bonus Minutes through SMS.
You can control your bonuses by sending an SMS with the text “2” to the number 7057 (an SMS is free of charge).
Order of Spending Bonuses
Bonus minutes represent additional free minutes for the owners of Geocell Visa Card apart from those 27 minutes, which 877 system users receive at the beginning of each month at the expense of a subscriber’s fee.
You can use bonus minutes for calling to Geocell and Lai-Lai subscribers, and sending SMS to Geocell/Lai-Lai and other operators. While making a call, firstly the free minutes accumulated from Geocell Bonus Program will be spent and only afterwards Geocell’s standard free 27 minutes will be spent. The unused bonuses will not be transferred to the next month.
Bonuses are not counted for the following operations made by Geocell Visa Card:
- Cash withdrawal;
- Payment of bank commission;
- Money transfers from Geocell Visa Card;
- Cancelled operations on Geocell Visa Card or on your account.
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Fee type |
Amount |
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Card Account Currency |
GEL, US Dollar |
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Credit limit |
Individual |
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Maximum grace period (Interest-free credit) |
30 calendar days |
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Annual interest |
15% annual of used credit
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Credit registration fee |
1,5% of negative balance as of the end of the month
Note: Interest will be accrued on a monthly basis, at the end of the month according to the balance as of the last day of the month |
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Fee for cashing own funds |
At a Basisbank ATM – 0%, at ATM’s of Agent banks – 1%, at ATMs of other banks – 2% (minimum 3 US Dollars) |
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Purchase (non-cash) transaction fee |
0% |
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Fee for cashing the credit |
4,5% (Minimum 4,5 USD) |
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Fee for the use of unauthorized credit |
32% of overspent amount
Note: Interest will accrue on a daily basis, from the emergence of unauthorized credit until the actual payment day. |
| Transfer fees on plastic cards |
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| From local merchants |
0,5% |
| From international merchants |
1% |
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Penalty for the use of amount transferred by mistake |
0.05% of used amount for each day.
Note: penalty will be accrued in case the client does not return the amount within 3 days from the receipt of information on the transfer by mistake |
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Increase of credit limit |
From 5% |
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Fee for the Restoration limit |
30 GEL |
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Limit period |
Unlimited |
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Production of a card |
Free |
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Annual service |
Free |
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Cost of additional card |
Free |
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Validity period |
2 years |
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Cash withdrawal limit |
Individual |
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Entry in a local STOP list |
5 US Dollars |
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Entry into International Stop-list (for two weeks) |
40 US Dollars |
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Card account statement |
Free |
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The cost of protest against transaction |
10 US Dollars |
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production of Geocell Visa Card with debit card function only! |
25 US Dollars |
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Replacement of a damaged card |
15 US Dollars |
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Replacement of a PIN code |
5 US Dollars |
