Independent comparisons. Official bank sources.How we compare
SQ

Visa Infinite

Premium credit card with travel benefits and personal assistance.

Credins Bank
Provider: Directly by the bank. No sponsored placement.

Your product context

Card maintenance fee · later years
EUR 20 / month (EUR 240 / 12 months) · Standard
Other charges, including issuance, account fees and interest, may apply; see the conditions below.

Calculate with this product →

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.

EUR · Euro

Purchases18%Annual nominal rate

Subject to profile and bank contract.

Official terms · page 7 ↗

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 →

EUR
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 EUR 500; maintenance EUR 20 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
Domestic ATMs 2% + EUR 2; abroad 2% + EUR 3. Source ↗

Benefits and limitations

✓ 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.

Key published conditions
CurrenciesEUR
Published APR (%)Not confirmed
Interest-free period (days)40
Rewards conditionsLounge, Fast Track dhe sigurim udhëtimi sipas kushteve / Lounge, Fast Track and travel insurance subject to terms
Official sources and supporting terms

Product page on the bank’s website ↗

Credins · Kushtet e kartave · prill 2026 ↗Reviewed pages: 7