Visa Credit
Visa for in-store and online spending with minimum monthly repayment.
Your product context
Card maintenance fee · later years
ALL 1,500 / year · salary at this bank
ALL 2,500 / year · other customers
EUR 10 / year · salary at this bank
EUR 20 / year · other customers
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
Subject to profile and bank contract.
Official terms · page 2 ↗Subject to profile and bank contract.
Official terms · page 2 ↗EUR · Euro
Subject to profile and bank contract.
Official terms · page 2 ↗Subject to profile and bank contract.
Official terms · page 2 ↗Employment, income & eligibility
Salary earners in Albania, including customers of other banks. Fixed-term employment requires security; unemployed applicants may apply with a pledged personal deposit. ID/passport and 12 months of income statements.
- Criteria and documents
- Salary earners in Albania, including customers of other banks. Fixed-term employment requires security; unemployed applicants may apply with a pledged personal deposit. ID/passport and 12 months of income statements. 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 →
- ALL
- Not confirmed
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Repayment and usage
- Minimum payment 5% of used amount. Online/POS purchases and cash withdrawals; limit depends on income and security assessment. Source ↗
- Annual fee and salary
- Free issuance and first year. Thereafter OTP salary customers ALL 1,500/EUR 10, additional ALL 1,000/EUR 7; others ALL 2,500/EUR 20, additional ALL 1,500/EUR 12. Source ↗
Benefits and limitations
✓ ALL or EUR
✓ 5% minimum payment
APR was not confirmed. Salary at OTP reduces interest and annual fees; the stated late-fee grace is not assumed interest-free.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Minimum payment | 5% e shumës së përdorur / 5% of the used amount |
Official sources and supporting terms
Product page on the bank’s website ↗
OTP · Normat dhe tarifat e kredisë për individë · 2026 ↗Reviewed pages: 2, 3