Visa Classic
Visa credit card for in-store and online purchases, with full or minimum repayment.
Your product context
Card maintenance fee · later years
ALL 2,000 / year · Standard
EUR 20 / year · Standard
USD 20 / year · Standard
ALL 1,500 / year · Student
ALL 750 / year · Half Cost
EUR 6 / year · Half Cost
USD 6 / year · Half Cost
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
Only when the credit line is secured by a bank deposit.
Official terms · page 15 ↗EUR · Euro
Only when the credit line is secured by a bank deposit.
Official terms · page 15 ↗USD
Only when the credit line is secured by a bank deposit.
Official terms · page 15 ↗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
- USD
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
Benefits and limitations
✓ 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.
| Currencies | ALL, EUR, USD |
|---|---|
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Interest-free period (days) | 45 |
| Minimum payment | 5%; min 1,000 ALL / 10 EUR / 10 USD |
| Cash withdrawal fee | 2.5%; min 400 ALL / 4 EUR / 4 USD |
Official sources and supporting terms
Product page on the bank’s website ↗
Fibank · Kushtet e punës · shkurt 2026 ↗Reviewed pages: 15