Credit card in ALL or EUR with full or minimum monthly repayment.
Card maintenance fee · later years
ALL 1,500 / year · Standard
EUR 15 / year · Standard
Other charges, including issuance, account fees and interest, may apply; see the conditions below.
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.
Purchase rate; cash interest is separate.
Official terms · page 6 ↗Purchase rate; cash interest is separate.
Official terms · page 6 ↗Subject to profile and bank contract.
Official terms · page 6 ↗Purchase rate; cash interest is separate.
Official terms · page 6 ↗Purchase rate; cash interest is separate.
Official terms · page 6 ↗Subject to profile and bank contract.
Official terms · page 6 ↗Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest.
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 →
ATM withdrawal example, not an interest-free purchase scenario. Annual maintenance 15 EUR from year three according to the bank’s example.
Bank’s example ↗ATM withdrawal example, not an interest-free purchase scenario. Annual maintenance 1,500 ALL from year three according to the bank’s example.
Bank’s example ↗✓ No annual fee in year one
✓ 5% minimum payment
Annual fee from year two is ALL 1,500 / EUR 15. Partial repayment and cash withdrawals incur costs.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: 20.88% EUR: 18.84% · see examples and conditions |
| Interest-free period (days) | 45 |
| Minimum payment | 5% e blerjeve/cash + 100% e interesit, tarifave dhe penaliteteve / 5% of purchases/cash + all interest, fees and penalties |
| Cash withdrawal fee | ATM Intesa: 2%, min 500 ALL / 3 EUR; ATM të tjera: 2.5%, min 500 ALL / 5 EUR |
Product page on the bank’s website ↗
Intesa · Mastercard Standard · informacion parakontraktor ↗Reviewed pages: 2
Intesa · Kushtet për individë · shtator 2026 ↗Reviewed pages: 6
