Independent comparisons. Official bank sources.How we compare

Mastercard Standard

Credit card for everyday purchases and instalment payments subject to terms.

Raiffeisen Bank

Provider: Directly by the bank. No sponsored placement.

Your product context

Card maintenance fee · later years
ALL 1,000 / year · Standard EUR 7 / 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 customer · Mass17%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

Premium16%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

Non-salary customer22%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

EUR · Euro

Salary customer · Mass17%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

Premium16%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

Non-salary customer22%Annual nominal rate

According to customer segment in the currently linked precontract.

Official terms · page 1 ↗

Employment, income & eligibility

Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply.

Income or security: Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply. 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 →

Payroll · revolving-card example

18.92% APR

Currency: ALL
Example amount: ALL 100,000
Term: 12 months
Example nominal rate: 17.00%

12 monthly payments, 17% interest and a 2% cash-withdrawal cost in the example assumptions. This is the document’s example, not a universal ATM fee; actual fees differ by ATM and usage.

Bank’s example · page 1 ↗

Repayment, costs & documents

Instalments and interest-free period: Up to 45 interest-free days with full timely repayment. Purchases can be split under the terms; a 0% offer does not waive the instalment-conversion fee. Source ↗
Annual card fee: Standard ALL 1,000/EUR 7; free renewal. Source ↗
Repayment and security: Minimum due by the 15th of the next month: 5% of transactions, 5% of monthly instalment, plus all interest/fees. No collateral under the document. Limit depends on salary and segment. Source ↗

Benefits and limitations

✓ Up to 45 interest-free days

✓ No POS or online purchase commission

Terms come from the precontract currently linked by the bank; rate depends on segment. Another profile’s APR is not automatically assigned to this card.

Key published conditions
Currencies	ALL, EUR
Published APR (%)	ALL: 18.92% EUR: Not confirmed · see examples and conditions
Interest-free period (days)	45
Instalments	Këste me 0% sipas ofertës dhe kushteve / 0% instalments subject to offer conditions

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Mastercard Standard

Informacioni Parakontraktor Karte Krediti ↗Reviewed pages: 1