Credit Card
A credit card is the ideal solution for fulfilling your desires and covering unexpected expenses.
Main features:
- Grace period: 55 days
- Refund Program
- Ability to accumulate Tera Points
- Minimum monthly payment: 5% of the amount spent
- Money transfer to any Terabank card through an ATM
Let me know if there's anything else you need help with!
Tera Points
Accumulate Tera Points from Terabank and pay utility bills or top up your account for free. Join Terabank Loyalty Program:
Cashback Mechanism
Get back 1% of the amount spent (not more than GEL 500) for each of the following transactions made at the POS terminal:
- POS terminal. Payment on websites.
- The amount of the transaction must exceed USD 20 (corresponding equivalent in GEL).
The refund is calculated every month on the statement calculation day. The amount deposited as a result of the cashback is not considered a minimum contribution.
|
Credit Card Type |
Next Up |
Next Card |
Next Card Platinum |
|
Card Validity |
2 years |
2 years |
2 years |
|
Credit Limit Volume |
500-850 GEL |
851-10 000 GEL |
10 001-30 000 GEL |
|
Credit Limit Currency |
GEL |
GEL |
GEL |
|
Credit Limit Term |
48 months |
48 months |
48 months |
|
Credit Limit Annual Service Fee |
20 GEL/15USD/15EUR |
30 GEL/15USD/15EUR |
85 GEL/25USD/25EUR |
|
Credit Limit Approval Fee |
0% |
0% |
0% |
|
Annual Interest Rate |
29% |
25% |
23% |
|
Effective Interest Rate in the Case of Full Repayment of the Limit* |
From 2,40% |
From 0,30% |
From 0,30% |
|
Effective Interest Rate in the Case of Repayment through Minimal Installments* |
From 41,30% |
From 31,20% |
From 27% |
|
Amount of Monthly Minimum Contribution |
5% of the amount used |
5% of the amount used |
5% of the amount used |
Credit Card Type
|
Next Up |
Next Card |
Next Card Platinum |
|
Cash Withdrawal Fee from Terabank ATM |
3%, min. 9 GEL (or its equivalent) |
3%, min. 9 GEL (or its equivalent) |
1% min. 15 GEL (or its equivalent) |
|
Cash Withdrawal Fee from Liberty ATM |
3.5%, min.12 GEL (or its equivalent) |
3.5%, min. 12 GEL (or its equivalent) |
3.5%, min. 12 GEL (or its equivalent) |
|
Cash Withdrawal Fee from the other Bank* |
3.5%, min. 5 USD (or its equivalent) |
3.5%, min. 5 USD (or its equivalnet) |
3.5%, min. 5 USD (or its equivalent) |
|
Cash Withdrawal Fee from Terabank's Branch |
3.5%, min. 10 GEL (or its equivalent) |
3.5%, min. 10 GEL (or its equivalent) |
3.5%, min. 10 GEL (or its equivalent) |
|
Cash Withdrawal Fee from Liberty's Branch |
4%, min. 12 GEL (or its equivalent) |
4%, min. 12 GEL (or its equivalent) |
4%, min. 12 GEL (or its equivalent) |
|
Cash Withdrawal Fee from the Other Bank |
4% min. 4 USD (or its equivalent) |
4% min. 4 USD (or its equivalent) |
4% min. 4 USD (or its equivalent) |
|
Payment in Shopping Centers and Markets |
0% |
0% |
0% |
|
Daily Limit for Cash Withdrawal from ATM |
10 000 GEL(its equivalent) |
10 000 GEL (its equivalent) |
30 000 GEL (its equivalent) |
|
Daily Limit for Settlement |
30 000 GEL(its equivalent) |
30 000 GEL (its equivalent) |
50 000 GEL (its equivalent) |
|
Daily Limit for Withdrawing Money from Another Bank's Branch |
30 000 GEL(its equivalent) |
30 000 GEL(its equivalent) |
100 000 GEL (its equivalent) |
|
Fee for Changing the Limit of Cash withdrawal from ATM |
5 GEL |
5 GEL |
5 GEL |
|
Cost of the Card Transaction Appeal Service for Each Transaction |
15 USD |
15 USD |
15 USD |
|
Service Fee for the Amounts Transferred from the Internet Sites, or the Refunded Amounts from the Operations Performed through Terminals Abroad |
2% |
2% |
2% |
* The client can be charged by ATM cash withdrawal fee when withdraw money abroad. This fee set by the ATM acquiring bank for which Terabank is not responsible. During withdrawing, the client receives notification at the ATM’s screen regarding acquiring fee and question if client wants to perform further cash withdrawal operation. If the client continues the process of cash withdrawal - it automatically means that client accepts the ATM acquiring fee which displayed on the ATM screen.
|
Credit Card Type |
Next Up |
Next Card |
Next Card Platinum |
|
Transfer from Credit Card Account in GEL (internal and external transfers) |
3.5% min. 10 GEL (or its equivalent) |
3.5% min. 10 GEL (or its equivalent) |
3.5% min. 10 GEL (or its equivalent) |
|
Transfer from Credit Card account in the Currency (internal) |
3.5% min. 10 GEL (or its equivalent) |
3.5% min. 10 GEL (or its equivalent) |
3.5% min. 10 GEL (or its equivalent) |
|
Transfer from Credit Card account in the Currency (external) |
3.5% min. 20 USD/15 EUR |
3.5% min. 20 USD/15 EUR |
3.5% min. 20 USD/15 EUR |
|
Interbank Transfer Fee from Terabank ATM |
3% min. 3 USD (or its equivalent) |
3% min. 3 USD (or its equivalent) |
3% min. 3 USD (or its equivalent) |
Note*: External transfers from the credit card account in GEL are allowed in the following cases:
If a credit card is issued to cover a credit card in another bank, money should be transferred to an internal (current/card) account with 0%. Then to cover the corresponding liability, the funds should be transferred to the external account without any commission.
How to order a card?
Contact us:
- Phone: 032 255 00 00
- Email: info@terabank.ge
You can order a plastic card through: mobile bank, internet bank, customer service center, or any of our branches.
After ordering the card, it can be picked up in 2-3 working days, and in the case of an urgent card order (Tbilisi-wide), in 1 day.
If you are our customer, you can provide the desired address through the customer service center or by visiting the branch and utilize the courier service.
Yes, you can pay online with any card.
You can withdraw money from Terabank ATMs in dollars.
The PIN code of the card can be changed/restored at Terabank and Liberty Bank ATMs through mobile banking or by visiting a branch.
You can block/unblock the card from mobile/internet banking or contact us at the call center number: 032 255 00 00.
Yes, it is possible.
The CVV code is an additional level of security. The code is located on the back of the card and consists of three digits.
Unauthorized overspending occurs when a client exceeds the bank's account limit, resulting in a negative balance. In such cases, the client is required to promptly replenish the account to restore a zero balance.
