The UnionPay Gold card is an internationally recognized payment solution. The chip card works with QuickPass technology, which allows you to make convenient and secure payments both in Armenia and around the world.
With the UnionPay QuickPass system, you make payments quickly and without additional actions.
If you need a card to use worldwide including in China and other Asian countries, then UnionPay Gold is for you.
With the card, get access to the acba digital application and perform banking and payment transactions anytime from anywhere.
You can order an attached card to allow your relatives to use your card account.
With the card you can:
Due to the preferential period for using the credit line of the UnionPay Gold card, interest is not charged on payment transactions carried out using credit funds until the 14th day of the month following the execution of the payment transaction, which releases you from the need to pay additional interest amounts.
For internet transactions, a one-time password authentication system (3D Secure) is used.
The UnionPay Gold card, being a QuickPass-type card, also has the following benefits:
The number of merchant locations offering the convenience of acceptance of UnionPay QuickPass cards is increasing day by day worldwide, and today UnionPay QuickPass cards are accepted all over the world.
UnionPay QuickPass technology enables contactless payments by simply holding the card close to specially equipped terminals.
Service fee - AMD 15,000 per year / when ordered via acba digital - AMD 12,000 per year
Currency - AMD, USD, EUR
Credit line availability - up to AMD 18,000,000
Annual nominal interest rate of the credit line¹ - for cards denominated in AMD: 19.5-21%
Annual effective interest rate of the credit line - AMD: 14.58-17.69%
Cash withdrawal fee from the Bank’s ATMs and POS terminals - 1%, from other banks abroad - 2%, minimum AMD 2,000
Issuance of an attached card - AMD 5,000 (2 cards)
Learn more about all tariffs for the issuance and servicing of UnionPay card
Learn more about the terms and conditions for the issuance and servicing of payment cards
1Unless otherwise provided within the framework of salary servicing programs offered by the Bank.
How to obtain the card
| Option I | Option II |
| Լրացնել քարտի online դիմում այստեղ | Visit any branch of the Bank |
How long does it take to obtain the card?
After submitting the card and card account application at any branch of the Bank, the Card will be issued to you within a maximum of seven business days, and the Card activation will be completed within a maximum of one business day from the date of issuance of the Card.
The Bank also provides urgent issuance, reissuance, and replacement of the Card within 1 banking day. The service is available at all branches in the city of Yerevan; however, the card may be ordered at any branch of the Bank. The service is available only for cards without a paper PIN code, in accordance with the tariffs in force at the Bank at the given time.
If the card and card account application is completed online, the Card order will be processed after mutual agreement between the Bank and you.
What is required to order the card?
After applying for the Card by any of the above methods, in order to receive the Card, it is necessary to visit the Bank branch selected by you and present your identity document and social services number.¹
1Recorded on the identification card of a citizen of the Republic of Armenia, in the identity documents of a stateless person permanently residing in the Republic of Armenia or a refugee, in the previously issued social security card, as well as in a certificate issued by the state register maintaining authority, or a certificate issued by the state register maintaining authority (original) stating that a social services number has not been obtained.
Find detailed information regarding card delivery here.
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