Credit Card

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:

For every GEL 5 transaction - get 1 Tera Point
For transactions over GEL 5, you will get 1 Tera Point for each additional GEL.
The upper limit of charging is 996 Tera Points, which will be charged to you in the case of a transaction of GEL 1 000
300 Tera Points = GEL 1
You must have a current account to use Tera Points
Accumulated Tera Points can be converted into money or used for various purposes, such as topping up a mobile phone account, paying utilities, etc
The minimum conversion amount is GEL 5, and there is no maximum limit
*Tera Points accrued and unused within two calendar years will be automatically canceled and you will receive a cancellation notice 30 days prior.

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.

Tariffs

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Credit Card Limit Conditions

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

 

Cash Withdrawal and Settlement Limits and Fees


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.

Money Transfer Fees

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?

 
 
Log in to the Internet banking Visit: https://ebanking.ge/login and enter your credentials
 
Navigate to "Offers"
 
   Select "Order Card"
 
Choose the desired card Enter the required information in the appropriate fields.
 
Log in to Mobile banking and enter your credentials Download with link or Scan QR 
 
Navigate to "Offers"
 
Select "Order Card"
 
Choose the desired cardEnter the required information in the appropriate fields.

Contact us:

Frequently Asked Questions

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How do I order a card?

You can order a plastic card through: mobile bank, internet bank, customer service center, or any of our branches.
 

How long does it take to make a card?

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.

Is card home delivery service available?

 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.

Can I pay online with the card?

Yes, you can pay online with any card.

Can I withdraw money with the card in foreign currency?

You can withdraw money from Terabank ATMs in dollars.

How do I change/restore the PIN code of the card?

The PIN code of the card can be changed/restored at Terabank and Liberty Bank ATMs through mobile banking or by visiting a branch.

If the card is lost, how can I block/unblock it?

You can block/unblock the card from mobile/internet banking or contact us at the call center number: 032 255 00 00.
 

Can I add bank cards to Apple Pay or Google Pay?

Yes, it is possible.

What is the CVV code?

The CVV code is an additional level of security. The code is located on the back of the card and consists of three digits.
 

What is the definition of unauthorized spending?

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.

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