VTB credit card

VTB Credit Card – credit card enables you to get interest-free loan for 55 days and unlimited use of your funds: withdraw cash or purchase products/service anytime and anywhere.


 Card type
VISA Classic 
VISA Gold 
Card currency GEL GEL
Card validity 4 years 4 years
Issuing card 0 0
First-year service fee 0 GEL 0 GEL
Annual service fee for the consecutive years GEL 30 GEL 50
Interest rate 30% 26%
Effective interest rate in case of terminal payments* from 0% from 0%
Effective interest rate in case of withdrawals via ATMs*
from 21.67% from 21.67%
Grace period maximum 55 days maximum 55 days
*For the calculation of effective interest rate it is assumed, that the Client is using the opportunity of  the full grace period


You may complete credit application in any branch of VTB (Georgia). You also can complete online advance application

Application for credit
VISA Classic VISA Gold
Opening account free free
Monthly commission 0 0
Issuing card free free
First-year service fee
0 GEL 0 GEL
Annual service fee for the consecutive years
GEL 30 GEL 50
Restoring card (forgotten PIN code or lost card) GEL 25 GEL 25
Accrual on the non-sanctioned overdrafting 0.1% on daily basis 0.1% on daily basis
Overdue penalty Fixed amount 20 GEL + 0.5% of the overdue amount for each day of delay
Credit limit terms and conditions
Period of credit limit 1 year 1 year
Amount of credit limit Min.–GEL 500, max.–GEL 2,999 Min.–GEL 3,000, max.–GEL 20,000
Grace period maximum 55 days maximum 55 days
Annual interest rate 30% 26%
Effective interest rate in case of terminal payments* from 0% from 0%
Effective interest rate in case of withdrawals via ATMs*
from 21.67% from 21.67%
Minimum payable amount 5% of used amount + accrued interest + imposed fine (if any)
Daily encashment limit
In VTB Bank unlimited unlimited
In other banks USD 5,000 or equivalent USD 10,000 or equivalent
ATMs USD 5,000 or equivalent USD 10,000 or equivalent
Daily limit of a deal USD 5,000 or equivalent USD 10,000 or equivalent
Encashment fee
In VTB bank 3% min. GEL 6 3% min. GEL 6
In partner bank* partner banks’ tariff + 3.9% min. GEL 10 partner banks’ tariff + 3.9% min. GEL 10
In banks of Georgia and abroad other banks’ tariff + 3.9% min. GEL 10 other banks’ tariff + 3.9% min. GEL 10
In VTB Bank ATM 3% min. GEL 6 3% min. GEL 6
In partner bank ATM* 3% min. GEL 6 3% min. GEL 6
In other bank ATMs of Georgia 3.9% min. GEL 10 3.9% min. GEL 10
In other bank ATMs abroad 3.9% min. GEL 10 3.9% min. GEL 10
In ATM of VTB Group abroad** 3% min. GEL 6 3% min. GEL 6
Cashless settlement
Commission for settlement at trading points 0% 0%
Commission for settlement via internet 0% 0%
Money transfer
Within the bank 3% min. GEL 6 3% min. GEL 6
Outside of the bank  3% min. GEL 6 3% min. GEL 6
Including the card into the STOP list
local free free
international USD 50 per week USD 50 per week
Change of PIN code 1 GEL 1 GEL

* TBC Bank, Basis Bank, Khalik Bank Georgia, Finca Bank Georgia, Caucasus Development Bank – Georgia
** Tariff is active in the following countries: Russia, Ukraine, Belarus, Kazakhstan, Azerbaijan and Armenia


VTB Credit Card - benefits

  • Interest-free loan with 55 days grace period
  • Unlimited use of money
  • Low interest rate on used amount
  • Full debt repayment availability at anytime