Credit Card

Credit card in ALL or EUR with full or minimum monthly repayment.

Provider: Directly by the bank. No sponsored placement.

Your product context

Card maintenance fee · later years
ALL 1,500 / year · 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.

ALL · Lekë

Salary customer16%Annual nominal rate

Purchase rate; cash interest is separate.

Official terms · page 6 ↗

Non-salary customer19%Annual nominal rate

Purchase rate; cash interest is separate.

Official terms · page 6 ↗

Cash secured8%Annual nominal rate

Purchase rate; cash interest is separate.

Official terms · page 6 ↗

Cash withdrawal · not cash secured20%Annual nominal rate

Subject to profile and bank contract.

Official terms · page 6 ↗

Employment, income & eligibility

Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest.

Residence and income: Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system. Source ↗
Criteria and documents: Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest. Source ↗

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 →

ATM withdrawal example

20.88% APR

Currency: ALL
Example amount: ALL 300,000
Term: 48 months
Example nominal rate: 20.00%

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 ↗

Repayment, costs & documents

Annual fee and minimum line: First year free, then ALL 1,500/EUR 15; additional card ALL 1,000/EUR 10. Minimum line ALL 50,000/EUR 500. Source ↗
Salary and cash security: Intesa salary customers pay 16% on purchases versus 19% ALL and 17% EUR for non-salary customers. Cash-secured card: purchases 8%, cash 12% in both currencies. Source ↗

Benefits and limitations

✓ 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.

Key published conditions
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

Official sources and supporting terms

Product page on the bank’s website ↗

Intesa · Mastercard Standard · informacion parakontraktor ↗Reviewed pages: 2

Intesa · Kushtet për individë · shtator 2026 ↗Reviewed pages: 6