Independent comparisons. Official bank sources.How we compare
SQ

Mastercard World

Credit card with travel benefits and spending in ALL or EUR.

Raiffeisen Bank
Provider: Directly by the bank. No sponsored placement.

Your product context

Card maintenance fee · later years
ALL 7,000 / year · Standard EUR 50 / 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

Consult the bank’s terms and documents for eligibility criteria.

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

Benefits and conditions
LoungeKey, travel insurance and roaming offers under card terms. Registration, cover and charges must be checked separately from the credit limit. Source ↗
Annual card fee
World ALL 7,000/EUR 50; 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

✓ LoungeKey services

✓ 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
CurrenciesALL, EUR
Published APR (%)ALL: Not confirmed EUR: Not confirmed
Rewards conditionsLoungeKey, sigurim udhëtimi dhe oferta roaming sipas kushteve / LoungeKey, travel insurance and roaming offers subject to terms
Official sources and supporting terms

Product page on the bank’s website ↗

Informacioni Parakontraktor Karte Krediti ↗Reviewed pages: 1