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Credit cards

Check first-year and ongoing card fees, interest and repayment conditions. An interest-free period depends on meeting the repayment terms.

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PERSONAL BANKING

Credit cards 15

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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

Visa Classic

Source checked

Credit card for in-store and online purchases with flexible monthly repayment.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 10 / year · StandardCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
Purchases18%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

No purchase commission7% minimum payment

Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
American Bank of Investments

Visa Gold

Source checked

Credit card for in-store and online purchases with flexible monthly repayment.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 20 / year · StandardCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
Card rate15%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 commission7% minimum payment

Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Credins Bank

Visa Infinite

Source checked

Premium credit card with travel benefits and personal assistance.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 20 / month (EUR 240 / 12 months) · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 40 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Purchases18%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 access24/7 concierge

APR and individual credit limit are not published in the reviewed schedule; daily usage limits are not the credit line.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
First Investment Bank Albania

Visa Classic

Source checked

Visa credit card for in-store and online purchases, with full or minimum repayment.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 20 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 45 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Standard15.804%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

Up to 45 interest-free days5% minimum payment

Rates are annual nominal interest; APR and approved credit line require an individual offer. Package benefits have separate conditions.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
First Investment Bank Albania

Mastercard Gold

Source checked

A euro credit card for spending and travel with premium services.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 30 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 45 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Standard15.804%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

Up to 45 interest-free daysLounge and Fast Track

Rates are annual nominal interest; APR and approved credit line require an individual offer. Package benefits have separate conditions.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Intesa Sanpaolo Bank Albania

Credit Card

Source checked

Credit card in ALL or EUR with full or minimum monthly repayment.

Published APR
EUR
18.84%
Bank examplesExamples & conditions →
Card fee · later yearsEUR 15 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 45 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Salary customer16%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 4 rate options →
Rates, conditions & eligibility →

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 one5% minimum payment

Annual fee from year two is ALL 1,500 / EUR 15. Partial repayment and cash withdrawals incur costs.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Intesa Sanpaolo Bank Albania

Visa Infinite

Source checked

Euro charge card offered by invitation, with travel services.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 500 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 15 daysFull 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 onlyPremium travel services

This is a charge card; confirm repayment conditions and fees before applying.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Source checked

Virtual Mastercard for purchases, with a reusable limit managed in the app.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 0 / yearCard maintenance only; other charges may apply
CurrenciesEUR

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 fee5% minimum payment plus costs

Minimum payment does not avoid interest. Rate and limit are stated in the bank’s offer.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
OTP Bank Albania

Visa Credit

Source checked

Visa for in-store and online spending with minimum monthly repayment.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 10 / year · salary at this bank EUR 20 / year · other customersCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
OTP salary customer20%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 3 rate options →
Rates, conditions & eligibility →

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 EUR5% minimum payment

APR was not confirmed. Salary at OTP reduces interest and annual fees; the stated late-fee grace is not assumed interest-free.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
ProCredit Bank

Credit Card

Source checked

Spending card with an income-based limit and digital-wallet support.

Published APR
EUR
0.00%
Bank examplesExamples & conditions →
Card fee · later yearsEUR 15 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 45 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Full monthly repayment0%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 daysLimit up to 3 salaries

Full monthly repayment is required. Published 0% APR does not waive annual or account fees; the limit is income-assessed.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Raiffeisen Bank

Mastercard Standard

Source checked
Lowest card maintenance fee

EUR 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.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 7 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 45 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Salary customer · Mass17%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 3 rate options →
Rates, conditions & eligibility →

Who can apply? Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply.

Up to 45 interest-free daysNo 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.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Raiffeisen Bank

Mastercard World

Source checked

Credit card with travel benefits and spending in ALL or EUR.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 50 / year · StandardCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
Salary customer · Mass17%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 3 rate options →
Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

LoungeKey servicesNo 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.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Tirana Bank

Visa Gold Credit

Source checked

Visa Gold for shopping and travel with instalment options.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 30 / year · StandardCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
Standard18%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
Rates, conditions & eligibility →

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.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Source checked

Premium credit card with airport services and travel insurance.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsUnconfirmedCard maintenance only; other charges may apply
CurrenciesEUR

Nominal interest by currency

EUR · Euro
Card rate22%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.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
Source checked

Mastercard for in-store and online purchases, managed in UB Online.

Published APR
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsEUR 20 / year · StandardCard maintenance only; other charges may apply
Interest-free periodUp to 48 daysFull repayment conditions apply

Nominal interest by currency

EUR · Euro
Standard Mastercard15%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 10,000No POS/online purchase commission

Standard Mastercard APR was not confirmed; the Visa Platinum example on the next page is not applied to this product.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

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 ↗

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