International payment cards Visa Gold Hotel Express

Visa Gold Hotel Express card

International payment cards

  • Annual service fee:
    5 000 AMD
  • Currency:
    Armenian drams, US dollars, EUR, RUB
  • Annual % on positive balance

Have a nice and secure trip with the help of Visa Gold Hotel Express card. By obtaining the card you will become an exclusive member of travelers club and benefit from special discounts in more than 80.000 hotels of more than 140 countries worldwide.
Any physical person above 14 (fourteen), who uses payment card issued by the Bank or applied to the Bank to receive the card can be a cardholder of the Bank.

The page was updated 09.01.2018 12:53

Visa Gold Hotel Express cards 

Visa International payment system   

The advantages of the cards are: the best terms and conditions for travelling, quick on-line booking of hotels, additional discounted services, credit line opportunity, etc.

Additional advantages:

Priority Pass –up to 15% discount

Visit of more than 700 VIP bar –lounges in 100+ countries.

SixT – up to 20%  discount

Car rent in 100+ countries

Sports event 365 – up to 5% discount

25 000+ discounted tickets for sport events

Open Fairways – up to 50% discount

Visit more than  1 600 gulf clubs with discount  

Lounge Pass – up to 15% discount

Enjoy bar lounge in  250 airports  in 60 countries

Choice Family – up to 21% discount

6 300+ hotel chain in 35+ countries with discount  

Have a nice and secure trip with the help of Visa Gold Hotel Express card. By obtaining the card you will become an exclusive member of travelers club and benefit from special discounts in more than 80.000 hotels of more than 140 countries worldwide.     

Issue and service rates


Hotel Express VISA Gold


5 years

Currency of card account


Card issuance and opening of card account


Service fee for express issuance (within one business day)

5 000 Armenian drams*

Annual service fee for the card account

5 000 Armenian drams

Annual service fee for the card account (including Priority Pass card)

22 000 Armenian drams

Re-issuance of expired card


Minimum balance USD


Minimum balance EUR


Minimum balance Armenian dram

5 000

Issue of additional card


Annual service fee for the additional card

5 000 Armenian drams

Re-issuance of the card (against lost, theft or damaged card) or providing new PIN code with the same validity period  

5 000 Armenian drams

Card blocking


Card unblocking 


Keeping of the card in the international STOP list (for 7 days)**

10 000 Armenian drams

Providing monthly statement from the card account at the Bank, through post or e-mail


Providing additional statement from the card account at the Bank, through post or e-mail.


Activation of SMS services


Fee for each SMS


Cash deposit


Cashing fee (through ATMs and cashing points of the Bank)


Cashing fee (through ATMs and cashing points of other banks – members of ArCa system)  


Cashing fee (through cashing points of other banks – not members of ArCa system and abroad)

1%, no less than

1 500 Armenian drams

Cashing fee (withdrawal of funds at the Bank from card account without the card)


Card to card transfer via internet (both cards issued by the Bank)


Non-cash transactions fee


Daily withdrawal limit set for accounts denominated in Armenian drams

2 500 000 Armenian drams

Daily withdrawal limit set for accounts denominated in US dollars

5 000 US dollars

Daily withdrawal limit set for accounts denominated in EUR

5 000 EUR

Number of withdrawals per day


Fee for temporary change of the set limit

5 000 Armenian drams

Annual simple interest rate, calculated with regard to the positive balance of the card account (annual simple interest rate set by the Bank for demand deposits)


Appeal for the real transaction carried out by the client ***

10 000 Armenian dram per operation

Issuance and re-issuance of Priority Pass card


Each access to the hall of Priority Pass chain

15 000 Armenian drams

Providing and maintenance of online account Hotel Express


* This rate is valid till April 30, 2018. 
Urgent provision of card – at the Head office only.
** blocking of unauthorized operations by the card worldwide
*** shall be charged only if the result of the appeal shows that the operations was held by the client with the violations or error occurred due to wrong use of the card.
International e-trade through Visa and MasterCard cards issued by “Anelik Bank” CJSC is carried out by 3D Secure system.
The system ensures the most modern security standards 3D Secure (Verified by Visa, MasterCard Secure Code) when making payment in on-line shops.

This system creates new advantages and opportunities for card holders:

1. additional level of identification of the cardholder during the deal,

2. lowering the fraud risk,

3. ensuring safe and secure terms for the cardholders.

The cardholder must meet the minimum requirements, set by the resettlement systems for online shop: SMS service should be activated.

When making purchase from online shops the cardholder will be sent one time authorization code. The transaction shall be approved after entering the code into the required field.

In order to activate SMS service you need to visit the Head office of the Bank or any branch and fill in appropriate application. Don’t forget to take ID document!
The general terms and conditions of providing and serving Hotel Express VISA Gold, by Anelik Bank CJSC and maintenance of card accounts are as follows:  
• Debit or credit plastic cards Hotel Express VISA Gold are provided to individual, both residents and non-residents.
•  The card is provided to the client within 2-5 banking days after submitting application to the Bank and executing account maintenance agreement. The card will be activated as soon as it is provided to the client and may be used.
• The client is also given an envelope with special PIN code inside. The PIN code must be used by the client only, who must keep the PIN code inaccessible for the third parties. The PIN code is recommended to keep away from the card.
• Cards are valid for 5 years. Provided that the Bank doesn’t receive written application from the cardholder to terminate the maintenance of the card within 30 days prior to the termination of its validity, the Bank shall re-issue the card for another 5 years.  
• Currency of card account: Armenian drams, US dollars, EUR. 
• Exchange rate set by the Bank will be applied for transactions denominated in foreign currency (if the currency of the card account is different from the currency of the transaction).  
• When disclosing discrepancies in the transactions related with the account the client may appeal to the Bank within 15 days period after receiving the account statement. The statement is considered accepted by the Bank if no appeal has been received within the mentioned period. The appeal is provided to the Bank in the form of written application. The Bank proceeds the appeal received in due time, by performing actions adopted by the international Visa payment system.
• The client must inform the Bank and/or the processing center Armenian Card by phone on lost card within the possible shortest period or visit the Head office or any branch of the Bank having passport by. Operations through the card will be immediately suspended when getting notice on losing the card. The Bank doesn’t be held liable for harm caused to the cardholder in between the period of losing the card and giving notice to the Bank. The client must visit the Bank within 5 days after suspending the card and submit written application, on the basis of which the Bank should within 2 -5 business days provide the client new card.
• Card maintenance will be early terminated and the card account will be closed according to the written request of the cardholder. the balance of the card account will be returned to the client. The card should be returned to the Bank.
Rates for issuance and maintenance of salary cards are negotiated with organizations on independent basis, according to appropriate agreements.
Grace period to repay the used credit facilities is 15 days from the day of using. Full repayment of used credit facilities and interest accrued thereon must be done in 45 days from the day of using. In case of failure to  repay the used facilities within the grace period the interest will be calculated from the date of using the funds till the day of actual repayment.
The Bank has the right to change the size of interest for facilities available on the account upon giving 15 days prior notice to the card holder.
The Bank acts as a tax agent and has the right to calculate and pay tax on income (10%) from the interest received for facilities available on the account.
Any disputes between the Parties shall be resolved through negotiations.
Disputes between the Parties may be resolved by the Financial System Mediator (in accordance with the RA Law On Financial system mediator) or in Arbitrage (in order, set by the RA “On commercial arbitrage”).

The page was updated 26.02.2018 17:37
The following documents should be presented to the Bank to get Visa Gold Hotel Express

  •                ID document             

  • Public Service Number (PSN) 

The page was updated 24.11.2017 10:55
Attention: The Bank does not bear any responsibility for the inaccuracy of information on the linked web sites, nor does it accept any responsibility for the advertisements therein or possible consequences arising out of use of information provided on the linked web-sites. In case of any discrepancies in the website materials in Armenian, Russian and English languages, the Armenian version is prevailing.