A Step-by-step guide on How to get a card with the best terms in 2025

Applying for a bank card is not just a choice between Visa and Mastercard or different banks. It's a way to save on fees, earn cashback, control your finances, and even accumulate interest. In this article, we will analyze how to choose and apply for a card in Armenia profitably, what to pay attention to, and which banks truly offer worthy conditions.

AFM allows you to quickly and conveniently choose a card that meets all your requirements – be it the cost of service, cashback amount, or interest on the balance. You will be able to avoid additional fees and unexpected overpayments, which are often hidden in complex tariff formulations. We guarantee full transparency of the process, giving you a clear understanding of all the benefits and conditions of your chosen card.

And in this article, we have prepared a step-by-step guide for you on how to apply for a debit card with the best terms.

What does it mean to "get a card with the best terms"?

In a world where the choice of banking products is becoming increasingly wide, it is crucial to understand what exactly makes the card application terms truly favorable. It's not just about low interest rates or the absence of hidden fees; it's about getting the maximum value from your financial instrument.

So, the best terms are when:

1. there is no service fee or it is offset by bonuses;
2. there is cashback or interest accrual on the balance;
3. a convenient application and the possibility of applying without queues;
4. support for international payment systems;
5. low fees when paying abroad.

Example

The Visa Gold card from IDBank is issued free of charge, service – 0 drams per year (subject to conditions), Apple Pay and Google Pay support. The exact cashback percentage may depend on purchase categories and bank promotions.

Step-by-step guide: how to apply for a card in 2025

Choosing the best card is only half the battle. Now we need to understand the application process, which in 2025 has become more convenient and technological in many Armenian banks. By following our step-by-step instructions, you can easily get the desired card, avoiding bureaucratic complexities and saving your time. We will guide you through all stages – from defining the purpose of using the card to receiving it physically or activating its virtual version.

Step 1. Define your goal

1. for daily purchases — choose a card without commission;
2. for travel — with a favorable exchange rate and Visa or Mastercard support;
3. for savings — with interest on the balance;
4. for online shopping — with protection and a virtual version.

Step 2. Compare offers on AFM

1. filter by card type: instant, virtual, or personalized;
2. set the desired currency: drams, dollars, or rubles;
3. check fees and the presence of cashback;
4. look at conditions for residents and non-residents.

Step 3. Fill out the application online

1. many banks process card applications through their website or app;
2. average application submission time — 5 minutes.

Step 4. Pass verification

1. if this is your first card with the bank, identity verification may be required;
2. verification can be done online or at the nearest branch.

Step 5. Receive the card

1. delivery takes one to three business days;
2. some banks issue a virtual card instantly.

What to pay attention to?

Card currency. Almost all cards are issued in drams, rubles, euros, and dollars. Check what conversion rate is used when paying in dollars or euros. Avoid double conversion – it increases your expenses.

Card type. Instant cards are issued immediately, but usually without a name. Personalized cards are made in a few days but offer more functionality.

Service. Even cards with zero issuance fees may require an annual fee. Clarify if there are fees for reissuance, SMS notifications, or cash withdrawals.

App. The availability of internet banking with expense control and cashback features is a significant plus.

Examples of cards that are quick and easy to apply for

Life Hacks

1. Apply for a virtual card if you need quick access to payments — for example, for subscriptions or marketplaces.
2. Check conversion terms — it's better to choose a card with a transparent exchange rate and no additional commission.
3. Don't fall for high cashback if the card has a fee. Sometimes the benefit is canceled out.
4. Enable spending notifications — it's free in some banks and helps prevent unauthorized debits.
5. Use AFM to immediately see which card is truly more profitable across all parameters — without hidden fees.

FAQ: Frequently Asked Questions about Debit Cards in Armenia

Question: Can I apply for a card without visiting the bank?

Yes. Most banks in Armenia offer online applications. This requires a passport, social security card (soc. karta), and filling out a form on the website.

Question: What documents are needed?

For residents — a passport and social security card. For non-residents — a foreign passport, sometimes proof of address or a power of attorney.

Question: How long does the application process take?

On average, 5–10 minutes for the application and up to three business days for delivery. A virtual card is available immediately.

Question: Can I open a card in dollars or euros?

Yes, but most cards are issued in drams. Dollar and euro cards are available in major banks — Ameriabank, Ardshinbank, ACBA.

Question: Which card is suitable for international purchases?

Only Visa, Mastercard, or American Express cards. ArCa cards only work in Armenia.

Conclusion

A properly obtained card in 2025 is a way to save, earn bonuses, and protect yourself from hidden expenses. We have discussed how to approach this choice consciously, whether it's aiming for free services, maximizing cashback, or benefiting from currency transactions.

Consider all debit card options on AFM – our card application process is as accessible and transparent as possible, without the need for deep dives into complex tariffs and fine print. This way, you will get a complete picture of the benefits and conditions, avoiding unpleasant surprises.

Don't be afraid to study tariffs, read between the lines, and make financially sound decisions.

A debit card is your personal financial tool that, when used correctly, can significantly simplify your life. Explore all its possibilities and choose the best card for your lifestyle.