Visa Gold
Credit card for in-store and online purchases with flexible monthly repayment.
Your product context
Card maintenance fee · later years
ALL 2,500 / year · Standard
EUR 20 / year · Standard
Other charges, including issuance, account fees and interest, may apply; see the conditions below.
Nominal interest by currency
The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.
ALL · Lekë
Under the tariffs effective 1 June 2026. The document prices by card and transaction type, without an ALL/EUR rate distinction.
Official terms · page 9 ↗EUR · Euro
Under the tariffs effective 1 June 2026. The document prices by card and transaction type, without an ALL/EUR rate distinction.
Official terms · page 9 ↗Employment, income & eligibility
Consult the bank’s terms and documents for eligibility criteria.
Annual percentage rate (APR)
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
- ALL
- Not confirmed
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Annual fee
- First year ALL 1,250/EUR 10; thereafter ALL 2,500/EUR 20. Source ↗
- Withdrawals and purchases
- ABI ATM 1.5%, min ALL 400/EUR 3, max ALL 800/EUR 6; other domestic ATMs 2%, min ALL 500/EUR 4, max ALL 1,000/EUR 8; abroad 2.5%, min ALL 600/EUR 5, max ALL 1,200/EUR 9. Source ↗
- Payments and conversion
- POS purchases have no commission; foreign purchases in a non-EUR currency incur a 1% conversion fee. Minimum monthly payment 7%. Source ↗
Benefits and limitations
✓ No purchase commission
✓ 7% minimum payment
Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Minimum payment | 7% e faturës mujore / 7% of the monthly bill |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Visa Gold
Kushte Pune për klientët Individë ↗Reviewed pages: 8, 9