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Cards: Standard Credit Card

Ease your everyday life with the Mastercard credit card from Raiffeisen Bank. Pay with confidence at the store or online and enjoy it to the fullest.

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Benefits of Standard Credit Cards

Get a credit limit provided by the Bank available at any moment. Use your limit to meet your needs and desires. Next month you can pay a minimum of 5% of the amount spent, up to 100%. For the remaining amount favorable financial interest is applied. 

Fast Application Process

Applying for a Credit Card is a fast and easy process, ensuring you get started on your journey quickly and effortlessly. 

0% commission for all POS & Online payments

Purchases at domestic & international points of sale (POS) with 0% commission 

Currency Choice

Choose the currency that suits you best LEK & EUR. 

Flexible Repayment for Your Comfort

Take control of your finances with the flexibility to choose your repayment mode. 

Credit cards features

  • Shop, Travel, and perform transactions Worldwide

    Enjoy the freedom to shop online, make hotel reservations, rent cars, purchase airline tickets, and more anywhere in the world, at any Mastercard accepting POS or ATM.

  • Monitor Your Expenses in Real Time

    Stay in control with real-time expense monitoring through Raiffeisen On Digital platform. Know exactly where your money is going and make informed financial decisions.

  • Supplementary Credit Cards

    Issue up to three Supplementary Credit Cards to relatives with flexibility to allocate credit limits, from 5% to 100%, ensuring their financial convenience. Each Supplementary Credit Card offers the same benefits as the primary cardholder, ensuring your trusted companions enjoy the same privileges.

  • Experience Financial Freedom with 0% Interest Installment Payments

    Our 0% Interest Installment Payment option, designed for our valued cardholders makes your high-value purchases not only accessible but also affordable.

    How It Works:

    When you shop at our partner merchant, you can enjoy the convenience of splitting your transactions into equal monthly installments. Here's what you need to know:

    0% Interest

    With our 0% Interest Installment Payment plan, you can enjoy the flexibility of paying for your purchases over time without incurring any interest charges.

    Small Upfront Fee

    5% upfront fee of total transaction value

    Merchants

    0% Interest Installment Payment option is available at below merchants, giving you access to a wide range of products and services where you can take advantage of this incredible offer

    logo e tregetareve

    Existing Credit Limit

    You don't need to apply for additional credit, simply use your existing credit limit at the time of purchase to convert your transaction into convenient installments.

    Installment monthly payment

    According to plans: 3, 6, 12, 18, 24 months.
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SmartPay

Making contactless payments has never been easier.

Get now your SmartPay Accessories as an innovative solution designed to facilitate your daily life. These cards are a revolutionary way to make contactless payments and cash withdraw from contactless ATMs without the need to carry your main card with you.

  • Sticker Card
  • Payband Card 
Learn more

Frequently asked questions

On this part you may find the most frequently asked questions about Credit Cards

  • Credit Card applications can be initiated at any branch of the bank.
  • All salary deposit customers at Raiffeisen bank can also apply through the Raiffeisen On Digital Platform.
  • You can complete the online application form on the Web and then the bank will contact you.

The application is made by all individuals who have verifiable income:

  • Salary deposit customers at Raiffeisen Bank
  • Non-salary deposit customers in Raiffeisen Bank
  • Customers with business income
  • Other customers who apply through cash collateral

A one-time activation is required for the credit card, and it is performed through:

  • First purchase and enter credit card PIN.
  • Activation at Raiffeisen Bank ATM by setting the PIN code.
  • Calling the bank at the number indicated on the card.

The respective card limit (credit limit) of your Raiffeisen credit card is shown on your monthly bill. Your Raiffeisen advisor will tell you whether this card limit can possibly be changed.

The credit card limit can be used:

  • Up to 100% of card limit in purchases at points of sale (POS)
  • Up to 100% of card limit for online purchases
  • Up to 100% of card limit for withdrawal in ATM 

  • By contact / Classic: You insert your Raiffeisen credit card into the merchant's internal terminal and confirm your payment via the reader of your chip and PIN.
  • Contactless: You can also make contactless payments with your credit cards from Raiffeisen bank. To do this, hold your credit card near the contactless symbol on the terminal card reader (POS). A green light at the payment terminal, combined with a short signal tone, confirms your payment. No PIN will be required for payments up to 4,500* Lek.
    *Please note! Contactless payment limits without PIN are determined by the terminal in which the card is used.
  • Online: Online purchases through the "3D Secure" service, which make the card issued by Raiffeisen Bank very secure. Through this service, you will be contacted via an SMS to your mobile phone number that you have registered in the bank, which will contain the unique 6-digit code with which you will confirm the authorization to make the payment with this card.

You can repay the credit card starting from a monthly minimum of 5% of the total amount spent.

Credit card repayment can be performed through:

  • Raiffeisen On Digital Platform
  • Cash Deposit in ATM

Please note! For the repayment through depositing at the ATM, make sure that you deposit the funds at least two working days before the date set for minimum payment (not later than 19:00 of that day), for it to be considered as repayment of this obligation.

  • In every branch of Raiffeisen bank

  • Notify immediately Raiffeisen Card Service at the following contact numbers: 00355 4 2227 262 for any problem with your debit or credit card, activate, blockage, etc 0800 7777 (fix line)
  • You could report your compliant anytime by filling the form you will find on the following link https://www.raiffeisen.al/alb/about/pages/ankesat/
  • Go to the nearest bank branch to report any misuse of the card

Be careful with rays and magnetic fields: Avoid contact with magnetic fields (such as magnetic switches). Your card should also not be exposed continuously near electronic devices, especially near smartphones.

Proper storage: The card should be stored so that it will not bend or scratch.