Virtual Credit Card
Credit that moves with you
Get a Jet Bank virtual Mastercard in ALL or EUR, with no issuance or annual maintenance fee and full control directly from the app.
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Your virtual credit card, directly in the app
Apply through the app and sign electronically once approved. Then activate your card in the app and set your PIN. Once your PIN is set, your virtual credit card is ready to use.
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No annual maintenance fee
Choose your credit card in ALL or EUR and enjoy zero annual maintenance fees. Manage it easily through the Jet Bank app.
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Shop online with no payment fees
From subscriptions to purchases at your favourite online stores, pay with your Jet Bank credit card wherever Mastercard is accepted, with no payment fees.
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A card that travels with you
Take the flexibility of your credit card on your next trip. Pay at POS terminals outside Albania with no payment fees. Currency conversion terms apply to transactions in a currency other than your card currency.
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Enjoy an interest-free period
Make your purchases and repay your statement balance in full by the payment due date to benefit from the interest-free period, subject to the agreement.
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Security and control in your hands
Track your transactions and amounts due in the app. Adjust transaction limits, manage your PIN, and block or unblock your card directly through the Jet Bank app.
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Key Conditions
Know the key terms before you apply
Review the main credit limit, interest, repayment and cash withdrawal conditions for your Jet Bank credit card.
Credit limit
Get a credit limit of up to three times your declared net monthly salary, capped at ALL 4,000,000 or EUR 40,000, subject to the Bank’s approval.
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20% annual interest
The standard interest rate is 20% per year. If you do not repay the statement balance in full by the due date, interest is calculated from the transaction date, taking partial repayments into account.
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Minimum monthly payment
Pay at least 5% of the outstanding principal plus 100% of billed interest and charges by the 15th of the following month. Paying only the minimum does not exempt you from standard interest.
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ATM withdrawal limits & fees
Withdraw up to 10% of your credit limit per month. A 2% withdrawal fee applies, with a minimum fee of ALL 500 or EUR 5.
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Credit Card Essentials
Everything important, at a glance
Explore what’s free, your everyday transaction limits, and the key rates and fees for your Jet Bank credit card.
Free
Limits
Rates
Setup
Start for free
Apply for the card and get your virtual credit card with no application or issuance fee.
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Maintenance
No annual fee
Annual maintenance is free, and there is also no fee for virtual card replacement.
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Payments
Pay with no fees
POS payments in Albania and abroad, as well as online purchases, with no payment fee.
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App controls
Manage it for free
Set or change your PIN, adjust transaction limits, and block or unblock your card in the app at no cost.
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Online
Online payment limits
Spend up to 200,000 ALL or 2,000 EUR per day, and up to 1,500,000 ALL or 15,000 EUR per month online.
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POS
POS payment limits
Your standard POS limit is 200,000 ALL or 2,000 EUR per day, with a monthly limit of 1,500,000 ALL or 15,000 EUR.
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Contactless
Tap & pay limits
Contactless payments are limited to 5,000 ALL or 50 EUR per transaction, with a daily maximum of 15,000 ALL or 150 EUR.
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ATM
Cash withdrawal limit
You can withdraw up to 10% of your card limit per month at supported ATMs.
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Interest
Standard interest
The standard interest rate is 20% per year.
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Late payment
Late payment rate
Late interest / penalty is charged at 30% per year, according to the applicable terms.
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ATM cash
Withdrawal fee
ATM cash withdrawals are charged at 2%, with a minimum fee of 500 ALL or 5 EUR.
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Balance
Balance inquiry
Checking your balance at an ATM costs 50 ALL or 0.5 EUR, in Albania or abroad.
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