Main features:
- Grace period: 55 days;
- Refund Program;
- Ability to accumulate Tera Points;
- Minimum monthly payment: 5% of the amount spent.
The utilized amount can be repaid in two ways: in full, during a grace period, with a 0% interest rate or with minimal contributions.
| Next Up | Next Card | Next Card Platinum | |
|---|---|---|---|
| Card Type | Visa Classic/Mastercard Standard | Visa Classic/Mastercard Standard | Visa Platinum/Visa Infinite |
| Currency | GEL/USD/EUR | GEL/USD/EUR | GEL/USD/EUR |
| Annual service fee of limit | 20 GEL; 15 USD/EUR | 30 GEL; 15 USD/EUR | 85 GEL: 25 USD/EUR |
| Credit limit | 500-850 Units | 851-10 000 Units | 10 001- 30 000 Units |
| Annual interest rate | 29% | 25% | 23% |
| Effective interest rate | From 41.30% | From 31.20% | From 27.00% |
| Effective interest rate with grace period | From 2.40% | From 0.30% | From 0.30% |
| Credit card cost | Free | Free | Free |
| Commission when paying in merchants | 0% | 0% | 0% |
| Terabank ATM withdrawal fee | 3%, Min 9 GEL (corresponding equivalent) | 3%, Min 9 GEL (corresponding equivalent) | 1% Min 15 GEL (corresponding equivalent) |
| Libery Bank ATM withdrawal fee | 3.5%, Min 12 GEL (corresponding equivalent) | 3.5%, Min 12 GEL (corresponding equivalent) | 3.5%, Min 12 GEL (corresponding equivalent) |
| Other bank ATM withdrawal fee | 3.5%, Min 12 GEL (corresponding equivalent) | 3.5%, Min 12 GEL (corresponding equivalent) | 3.5%, Min 12 GEL (corresponding equivalent) |
| Terabank withdrawal fee | 3.5%, Min 10 GEL (corresponding equivalent) | 3.5%, Min 10 GEL (corresponding equivalent) | 3.5%, Min 10 GEL (corresponding equivalent) |
| Liberty Bank withdrawal fee | 4%, Min 12 GEL (corresponding equivalent) | 4%, Min 12 GEL (corresponding equivalent) | 4%, Min 12 GEL (corresponding equivalent) |
| Fee for withdrawing money from another bank | 4% Min 4 USD (corresponding equivalent) | 4% Min 4 USD (corresponding equivalent) | 4% Min 4 USD (corresponding equivalent) |
| Money transfer (domestic) | 3.5% Min 10 GEL (corresponding equivalent) | 3.5% Min 10 GEL (corresponding equivalent) | 3.5% Min 10 GEL (corresponding equivalent) |
| Money transfer in currency (foreign) | 3.5% Min 20 USD; 15 EUR | 3.5% Min 20 USD; 15 EUR | 3.5% Min 20 USD; 15 EUR |
| Daily ATM withdrawal limit | 10 000 GEL (corresponding equivalent) | 10 000 GEL (corresponding equivalent) | 30 000 GEL (corresponding equivalent) |
| Daily settlement limit | 30 000 GEL (corresponding equivalent) | 30 000 GEL (corresponding equivalent) | 50 000 GEL (corresponding equivalent) |
| Daily limit for withdrawing money from another bank branch | 30 000 GEL (corresponding equivalent) | 30 000 GEL (corresponding equivalent) | 100 000 GEL (corresponding equivalent) |
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).
How to order a card?
Contact us:
- Phone: 032 255 00 00
- Email: info@terabank.ge
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.
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.
