With Ertguli Card's 55 day grace period, you have the possibility of using the amount you need and repaying it without hassle.

Examples

Effective rate from 0.52%.

Ertguli Card also gives you possibility to collect Ertguli Bonuses at Ertguli partner merchants.

Note: After receiving the card, it can be activated at an ATM or via SMS.

• If activated at an ATM, place the card in the ATM, enter the PIN code and check your balance.
• In case of activation of the card via SMS channel, send the symbol N and the last 4 digits of the card to the number 2727 from the mobile number registered to the cardholder in the bank (for example: N1234)

Customers can have up to 10 valid cards of different types, including a maximum of 3 Ertguli cards.

Find out more at Ertguli webpage www.ertguli.ge

This offer is not valid for UK residents.

To get a Ertguli Card, you have to:

• Be a citizen of Georgia or a foreign country
• Be at least 20 years old
• Have minimum salary of 200 GEL

Order our Ertguli Card online now and in only 2 days get your own Ertguli Card.

	ERTGULI STANDARD	ERTGULI CLASSIC	ERTGULI GOLD	ERTGULI PLATINUM
Annual Fee	5 GEL	10 GEL	80 GEL	120 GEL
Card Validity	4 Years	4 Years	4 Years	4 Years
Credit Limit	250-499	500	2,001 -5,000	5,001 - 20,000
Shop Tariff	When withdrawing1 36% When used in merchants2 24%	When withdrawing1 36% When used in merchants2 22%	When withdrawing1 33% When used in merchants2 20%	When withdrawing1 30% When used in merchants2 18%
Effective annual interest	From 47.64%	From 46.62%	From 44.91%	From 39,53%
Effective Annual Interest (Grace Period)	From 1.04%	From 0.52%	From 1.68%	From 0.83%
Min. Repayment Amount	5% of the amount used3	5% of the amount used3	5% of the amount used3	5% of the amount used3
Fee for Standard Paying at Merchants	0%	0%	0%	0%
Withdrawal Fees at TBC Bank ATMs	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL
Withdrawal Fees at TBC Bank Branches	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL	3.9%, min 5.5 GEL
Withdrawal Fees at Other Bank's ATMs
Withdrawal fee for other bank's service centre terminal
Internal Transfer Fee	3.9% min 5.5 GEL	3.9% min 5.5 GEL	3.9% min 5.5 GEL	3.9% min 5.5 GEL
External transfer fee – including for porting campaign	Up to 10000 - 2 GEL (using internet/mobile banking) 4 GEL (in branches) From 10 000 to 100 000 GEL - 5 GEL (using internet/mobile banking) 10 GEL ( in branches) 100 000 GEL and above - 50 GEL (using internet/mobile banking) 100 GEL ( in branches)
Mobile Balance Top-up via Remote Channels	Free	Free	Free	Free
Fee on Bill Payments via Remote Channels	0.5 GEL4	0.5 GEL4	0.5 GEL4	0.5 GEL4
ATM withdrawal limit - 24 hours	5,000	5,000	10,000	20,000
ATM cash withdrawal limit - 168 hours	20,000	20,000	40,000	40,000
Purchase limit - 24 hours	20,000	20,000	40,000	80,000
Purchase Limit - 168 hours	40,000	40,000	80,000	160,000

1 Cash withdrawal from ATM and Bank, transfer money from bank and internet banking.
2 Cashless transactions at POS terminals and E-commerce.
3 5% of the amount used + interest + penalty (if any).
4 Tariffs may vary according to provider.