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A green filter match is not bank approval. A lower initial rate or fee does not establish the lowest total cost.
EUR
APR and nominal interest explained Nominal interest covers interest alone. APR includes applicable borrowing costs. Published APRs are bank examples with different amounts and terms; they are not quotes for your selection. Understand APR →
Alphabetical by default. No paid ranking. Published rates are subject to conditions.
American Bank of Investments Source checkedCredit card for in-store and online purchases with flexible monthly repayment.
Card fee · later years EUR 10 / year · Standard Card maintenance only; other charges may apply
Currencies EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
No purchase commission 7% minimum payment Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.
American Bank of Investments Source checkedCredit card for in-store and online purchases with flexible monthly repayment.
Card fee · later years EUR 20 / year · Standard Card maintenance only; other charges may apply
Currencies EUR
Nominal interest by currency EUR · Euro Card rate 15% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
No purchase commission 7% minimum payment Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.
Premium credit card with travel benefits and personal assistance.
Card fee · later years EUR 20 / month (EUR 240 / 12 months) · Standard Card maintenance only; other charges may apply
Interest-free period Up to 40 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Purchases 18% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Airport lounge access 24/7 concierge APR and individual credit limit are not published in the reviewed schedule; daily usage limits are not the credit line.
First Investment Bank Albania Source checkedVisa credit card for in-store and online purchases, with full or minimum repayment.
Card fee · later years EUR 20 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Up to 45 interest-free days 5% minimum payment Rates are annual nominal interest; APR and approved credit line require an individual offer. Package benefits have separate conditions.
First Investment Bank Albania Source checkedA euro credit card for spending and travel with premium services.
Card fee · later years EUR 30 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Up to 45 interest-free days Lounge and Fast Track Rates are annual nominal interest; APR and approved credit line require an individual offer. Package benefits have separate conditions.
Intesa Sanpaolo Bank Albania Source checkedCredit card in ALL or EUR with full or minimum monthly repayment.
Card fee · later years EUR 15 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest.
No annual fee in year one 5% minimum payment Annual fee from year two is ALL 1,500 / EUR 15. Partial repayment and cash withdrawals incur costs.
Intesa Sanpaolo Bank Albania Source checkedEuro charge card offered by invitation, with travel services.
Card fee · later years EUR 500 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 15 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Offered by invitation from the bank.
By invitation only Premium travel services This is a charge card; confirm repayment conditions and fees before applying.
Virtual Mastercard for purchases, with a reusable limit managed in the app.
Card fee · later years EUR 0 / year Card maintenance only; other charges may apply
Currencies EUR
Nominal interest by currency EUR · Euro Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
No annual fee 5% minimum payment plus costs Minimum payment does not avoid interest. Rate and limit are stated in the bank’s offer.
Visa for in-store and online spending with minimum monthly repayment.
Card fee · later years EUR 10 / year · salary at this bank
EUR 20 / year · other customers Card maintenance only; other charges may apply
Currencies EUR
Who can apply? Salary earners in Albania, including customers of other banks. Fixed-term employment requires security; unemployed applicants may apply with a pledged personal deposit. ID/passport and 12 months of income statements.
ALL or EUR 5% minimum payment APR was not confirmed. Salary at OTP reduces interest and annual fees; the stated late-fee grace is not assumed interest-free.
Spending card with an income-based limit and digital-wallet support.
Card fee · later years EUR 15 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Full monthly repayment 0% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Up to 45 interest-free days Limit up to 3 salaries Full monthly repayment is required. Published 0% APR does not waive annual or account fees; the limit is income-assessed.
Lowest card maintenance feeEUR 7 / 12 months · among 8 comparable banks
Why it is highlighted EUR 7 / 12 months · later years. Among 8 banks with comparable published data in these results. Excludes interest, issuance, account and transaction charges.
Credit card for everyday purchases and instalment payments subject to terms.
Card fee · later years EUR 7 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply.
Up to 45 interest-free days No POS or online purchase commission Terms come from the precontract currently linked by the bank; rate depends on segment. Another profile’s APR is not automatically assigned to this card.
Credit card with travel benefits and spending in ALL or EUR.
Card fee · later years EUR 50 / year · Standard Card maintenance only; other charges may apply
Currencies EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
LoungeKey services No POS or online purchase commission Terms come from the precontract currently linked by the bank; rate depends on segment. Another profile’s APR is not automatically assigned to this card.
Visa Gold for shopping and travel with instalment options.
Card fee · later years EUR 30 / year · Standard Card maintenance only; other charges may apply
Currencies EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Published interest 18% 7% minimum payment The published 19.44% APR has no example currency, amount or term; it is not an individual quote. Credit limit depends on security.
Premium credit card with airport services and travel insurance.
Card fee · later years Unconfirmed Card maintenance only; other charges may apply
Currencies EUR
Nominal interest by currency EUR · Euro Card rate 22% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Published interest 22% 7% minimum payment Travel benefits have activation requirements and limits. Interest is not APR.
Mastercard for in-store and online purchases, managed in UB Online.
Card fee · later years EUR 20 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 48 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Standard Mastercard 15% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Limit up to ALL 1 million / EUR 10,000 No POS/online purchase commission Standard Mastercard APR was not confirmed; the Visa Platinum example on the next page is not applied to this product.
Sources you can check yourself. 18 selected products from official bank sources. Each summary links to its terms. Final eligibility is confirmed by the bank. How we compare ↗