Visa Platinum
Credit card in ALL or EUR with travel benefits and profile-based interest.
Your product context
Card maintenance fee · later years
ALL 5,000 / year · Main card
EUR 40 / year · Main card
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
Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗EUR · Euro
Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗Visa Platinum rate; cash security is a separate option.
Official terms · page 4 ↗Employment, income & eligibility
Employed applicants in Albania. Fixed-term employment requires collateral; unemployed applicants can apply with a pledged personal deposit. ID/passport and at least 12 months of income-account statements are required; a salary certificate is optional.
- Who can apply
- Employed applicants in Albania. Fixed-term employment requires collateral; unemployed applicants can apply with a pledged personal deposit. ID/passport and at least 12 months of income-account statements are required; a salary certificate is optional. 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
The Visa Platinum page and reviewed tariff table do not publish APR. Ask the bank for an illustration for your limit.
Repayment, costs & documents
- Withdrawals and reissue
- Cash withdrawals: 2%, minimum ALL 500, or EUR 4 for the euro card, at OTP, other domestic and foreign ATMs. Card/PIN reissue: ALL 4,000 or EUR 30. Source ↗
- Interest by salary and security
- 22% annually for OTP salary customers; 24% for other-bank salary customers or self-employed applicants. The cash-secured option has a 5% rate. Source ↗
- ALL fees
- Free issuance. Main card: ALL 5,000 per year; additional card: ALL 3,000 per year. No first-year waiver is published. Source ↗
- EUR fees
- Free issuance. Main card: EUR 40 per year; additional card: EUR 25 per year. No first-year waiver is published. Source ↗
Benefits and limitations
✓ 10 lounge visits per year, subject to Visa terms
✓ No purchase commission online or at POS
The reviewed sources do not confirm this variant’s APR or minimum payment. A 0% purchase commission does not mean 0% interest.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Visa Platinum
OTP — Buletini i interesave dhe tarifave për individë ↗Reviewed pages: 4