Credit Card

Credit Card

The best solution to fulfill wishes and unexpected finance expenses.
 

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.

Conditions

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Credit Card Limit Conditions

  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)
 

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.

Tera Points

Tera Points

Enroll in the loyalty program and start accruing Tera Points.

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 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 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.

Recommended Services

Card Safety

Card Safety

Protect your card from illegal operations.

Card Delivery Service

Card Delivery Service

Get a plastic card from the comfort of your home.

3D Secure

3D Secure

Secure online card payments.

Conversion Structure

Conversion Structure

Conversion for a card transaction.

Change Phone Number Remotely

Change Phone Number Remotely

Change your registered phone number in Terabank from the comfort of your home.

SMS Signature

SMS Signature

SMS code instead of signature – save time and take care of the environment.

Payroll Program

Payroll Program

Receive special benefits when your salary is deposited into your Terabank account.

Apple Pay

Apple Pay

Add your card to Apple Wallet and pay with just a tap.

Nominal Account

Nominal Account

Protect clients' interests and ensure the safety of their transactions.

Referral Program

Referral Program

Become our customer, refer your friend and get Tera Points as a present.

Remote Services

Remote Services

Use Terabank services without leaving your home.

Tera Points

Tera Points

Join the loyalty program and collect Tera Points.

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