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Special offers 
New card with a single tap
Free Digital Card for 3 years
Get your free Digital Card for a period of 3 years when ordering it by September 30.
Customers will also accumulate interest on positive balance for one year – 4% for cards in AMD, 1% for USD and 0.1% for EUR.
Byblos Digital Cards seek to cater to customers who prefer everything digital.
A digital card can be obtained through the Byblos Mobile app or Online Banking system anytime, 24/7, without needing to visit the Bank. Within seconds of ordering, you can start using it for cashless purchases.
Similar to physical cards, digital cards can also be linked to Google Pay and Apple Pay, allowing users to make payments anywhere in the world. Digital Cards are always available on the smartphone. They are convenient for all kinds of transactions – from online shopping to contactless payments in stores, as well as topping up online wallets and making international transfers.
A digital card can be obtained through the Byblos Mobile app or Online Banking system anytime, 24/7, and receive it in a matter of seconds.
The Digital Card will be available to you within seconds of ordering it.
You can use your Byblos Digital Card for all kinds of transactions – both in the physical and virtual domains.
In the event of suspicion of fraud, cardholders must immediately block the card:
- Via the Online Banking service / Byblos Mobile app
- Via the USSD service
- By visiting one of the branches of the Bank (on weekdays from 9։30 am to 5 pm)
- By calling the Bank at +374 60 61 61 00 (on weekdays from 9 am to 6 pm)
The Bank will not bear responsibility for transactions made with your card prior to notifying the Bank or the processing center.
The USSD service enables cardholders to use their phone in order to perform the following transactions:
- Check the card balance
- Obtain a statement for the last 4-5 transactions
- Block the card
To activate the service, cardholders need to fill in an application at the Bank and provide their phone number. To then use the service, they need to dial *116# and follow instructions.
The service is free for Byblos Bank Armenia cards.
A total of up to 5 payment cards can be attached to a phone number, and transactions mentioned above will be available for each of them.
There are two convenient options for blocking a card, which are both free and available 24/7. You can see a detailed card blocking guide here.
| Service | Tariffs* | |||||
|---|---|---|---|---|---|---|
|
Currency**
|
֏ $ €
|
|||||
|
Issuance of the card
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free
|
|||||
|
Service fee (annual)
|
1000
|
|||||
|
for Supplementary card
|
1000
|
|
||||
|
Provision of account statement
|
|
|
|
|
|
|
|
each month
|
free
|
|
|
|
|
|
|
provision of additional statement (VAT included)
|
free
|
|||||
|
Card account closure charge for first year
|
free
|
|||||
|
Annual interest accrued on the positive balance of card account
|
-
|
|
||||
|
Card-to-card transfers fee
|
0.4%
|
|||||
|
Blocking of card
|
free
|
|||||
|
Release of blocked card
|
1000
|
|||||
|
Release of blocked card online
|
free
|
|||||
|
Wrong dispute of transaction***
|
15000
|
|||||
|
Retaining the card in Mastercard Stop List for 2 weeks
|
15000
|
|||||
|
1 SMS report****
|
≥5,000 free
|
|||||
|
3D secure SMS report
|
free
|
|||||
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Total maximum amount of all transactions per day
|
|
|
|
|
|
|
|
AMD
|
3000000
|
|||||
|
USD
|
6000
|
|||||
|
EUR
|
6000
|
|||||
|
|
|
*Tariffs are presented in AMD.
**In case the currency of a card transaction differs from the currency of the card account exchange rate for foreign exchange transaction is set by Byblos Bank Armenia AMD +/- 1.
***Chargeback complaints must be provided within at least 15 calendar days from the date of receipt of the statement. The Bank is also obliged to accept the Cardholder՚s chargeback requests if transactions, which are not authorized by the Cardholder, are appealed within 55 calendar days from the receipt of the statement by the Cardholder, and the Cardholder submits documents confirming the impossibility of submitting chargeback requests within 15 calendar days upon receipt of statement.
****In case the SMS service is paid, all types of SMS are chargeable except USSD and 3D secure services. In case the client requests amount below AMD 5,000 (or equivalent), AMD 20 will be charged for 1 SMS report.
- Valid passport or identification card
- Public service number (if available)*
*Applicable only to Armenian citizens or foreign citizens having residency status and actually residing in Armenia
