Visa Classic
A credit card for everyday, online and travel spending.
Your product context
Card maintenance fee · later years
ALL 100 / month (ALL 1,200 / 12 months) · 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
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
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Card fees
- Issuance ALL 0; maintenance ALL 100 per month. This is a monthly fee, not an annual fee. Source ↗
- Grace period and payments
- Up to 40 days; repayment by the 10th of the following month under the terms. Domestic and foreign POS purchases have no commission. Source ↗
- Cash withdrawals
- Credins ATMs 2%, min ALL 200; other domestic banks 2%, min ALL 300; abroad 2%, min ALL 500. Source ↗
Benefits and limitations
✓ International Visa network
✓ Online purchases
APR and individual credit limit are not published in the reviewed schedule; daily usage limits are not the credit line.
| Currencies | ALL |
|---|---|
| Published APR (%) | Not confirmed |
| Interest-free period (days) | 40 |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Visa Classic
Credins · Kushtet e kartave · prill 2026 ↗Reviewed pages: 5