Ardshinbank Debit Cards

A Ardshinbank debit card is a payment instrument linked to the customer's current bank account. Unlike a credit card, you can use only your own funds available in the account. The card allows you to pay for purchases in stores and online, withdraw cash from ATMs, transfer money, and use the bank's online services.

Ardshinbank offers 12 types of debit cards for different categories of customers, from basic to premium cards, including cards for young people, pensioners, and travelers.

• Classic card - a standard product for everyday payments, with free or conditionally free service
• Cashback card - bonuses or a percentage of the purchase amount are credited, with increased cashback in selected categories
• Premium card - an extended range of privileges, priority service, concierge service
• Youth / student card - for customers aged 14/16 and above, with free service
• Card for pensioners - special conditions, higher interest on the account balance
• Multi-currency card - AMD, USD, and EUR accounts linked to one card
• Travel card - free cash withdrawals abroad, insurance, miles

The service fee depends on the type of card and its terms of use. Some Ardshinbank cards offer free service if the bank's conditions are met, such as minimum card turnover, a minimum account balance, or salary payments credited to the account. The exact conditions for free service are specified in the product card for each offer on AFM.am.

Holders of certain Ardshinbank debit cards can participate in the bank's loyalty program. Bonuses are credited for cashless purchases as a percentage of the transaction amount or as points that can be exchanged for discounts from the bank's partners. Some cards offer increased cashback in selected categories such as supermarkets, gas stations, restaurants, and travel.

The terms of the loyalty program, including available bonus categories, the maximum cashback amount, and rules for using points, are specified in the product card for each offer.

Cash withdrawals from Ardshinbank ATMs are generally free for the bank's cardholders within the established limit. Withdrawals from ATMs of other banks and abroad may be subject to a fee. Daily and monthly cash withdrawal limits depend on the type of card.

Transfers between Ardshinbank cards are processed instantly and without a fee. Transfers to cards issued by other banks in Armenia and abroad are carried out according to the bank's tariffs.

To apply for a Ardshinbank debit card, you need:

• A passport of a citizen of the Republic of Armenia or another identity document
• For youth cards - parental consent for customers under 18
• Proof of income is not required

You can apply online through the Ardshinbank website or mobile application, or visit the nearest branch.

Step 1 - Compare all Ardshinbank debit cards on AFM.am and choose a suitable product based on cashback, service fees, and limits

Step 2 - Go to the bank's website to submit an online application or visit the nearest branch

Step 3 - Complete the application form and present your passport

Step 4 - Collect the card at a branch or request courier delivery if this option is available

Step 5 - Activate the card through the mobile application or an ATM and start using it

Advantages:

• ✓ Free or conditionally free service for selected cards
• ✓ Cashback and loyalty program
• ✓ Online application without visiting a branch
• ✓ Card management through the mobile application
• ✓ Free cash withdrawals from Ardshinbank ATMs
• ✓ Support for contactless payments (ArCa, Visa PayWave, Mastercard PayPass)

Disadvantages:

• ✗ Higher fees for cash withdrawals from ATMs of other banks
• ✗ Free service only if the bank's conditions are met

1. What Debit Cards Does Ardshinbank Offer?

   Ardshinbank offers 12 debit cards: classic, cashback, premium, youth, and pensioner cards. The cards support ArCa, Visa, and Mastercard payment systems. All offers and terms are available on AFM.am.

2. How Much Does It Cost to Maintain a Ardshinbank Debit Card?

   The service fee depends on the type of card. Some Ardshinbank cards offer free service if the bank's conditions are met, such as minimum card turnover or a minimum account balance. Exact tariffs are specified in the product card for each offer on AFM.am.

3. Do Ardshinbank Debit Cards Offer Cashback?

   Yes, some Ardshinbank debit cards participate in the bank's loyalty program. Cashback is credited as bonuses or as a percentage of the amount of cashless purchases. Some cards offer increased cashback in selected categories. The cashback terms are specified in the product card for each offer.

4. Can I Apply for a Ardshinbank Debit Card Online?

   Yes, applications for most Ardshinbank cards can be submitted online through the bank's website or mobile application. A decision is made within a few minutes. You can collect the card at a bank branch or request delivery.

5. At What Age Can I Get a Ardshinbank Card?

   Standard Ardshinbank debit cards are issued to customers aged 18 and above. Youth and children's cards are available from the age of 14 with the consent of a parent or legal representative.

6. What Are the Cash Withdrawal Limits for Ardshinbank Cards?

   Cash withdrawal limits depend on the type of card. Withdrawals from Ardshinbank ATMs are free within the daily limit. Withdrawals from ATMs of other banks and abroad may be subject to a fee. Exact limits and tariffs are specified in the description of each card on AFM.am.

7. How Can I Block a Ardshinbank Debit Card?

   You can block the card instantly through the Ardshinbank mobile application without having to call the bank. You can also request a block by calling the bank's hotline or visiting a branch.

8. How Can I Reissue a Ardshinbank Card When It Expires?

   The card is automatically reissued before its expiration date. The bank notifies the cardholder when the new physical card is ready. A reissue requested by the customer in case of loss or theft can be arranged at a branch or through the mobile application.

9. Do Ardshinbank Cards Support Contactless Payments?

   Yes, Ardshinbank cards support contactless payments through ArCa, Visa PayWave, and Mastercard PayPass, as well as smartphone payments through compatible mobile payment services.

10. What Is the Difference Between a Debit Card and a Credit Card?

    A debit card is linked to the customer's current account, and you spend only your own funds. A credit card provides borrowed funds from the bank with a grace period followed by interest charges. If you are interested in Ardshinbank credit cards, their terms are available on AFM.am.