Corporate credit cards

Credit cards give you the opportunity to make purchases and to withdraw cash around the world, using not only your company's funds, but also the funds available from credit limits granted by the Bank, using an interest-free grace period. A credit limit is granted to clients against a deposit with the bank as security. Corporate credit cards can be issued in 4 different currencies, EUR, USD, GBP and RUB.

You can apply for a corporate credit card by contacting your relationship manager, or by visiting any of the Bank’s branches.

Advantages of the Bank’s corporate credit cards
  • Competitive commissions and charges;
  • Direct access to funds on the account opened in one of the 4 currencies: EUR, USD, GBP and RUB;
  • Simplified reporting on credit cards allows facilitating work of your accounting department. You can pay by the card for all the expenditures associated with the business or principal activity of your company;
  • You can set different spending limits for each employee of your company and control their spending using statements of all transactions through RCB Online Banking or by activating the SMS Notice service;
  • Interest free grace period of up to 50 days;
  • Competitive interest rate once the grace period is over allows your company to cut down on its expenditure;
  • Setting a credit limit against a deposit with the Bank means your company can make use of additional funds without losing interest on the deposit;
  • The minimum monthly payment is just 8% of the used credit limit, which means your company can clear debit balance efficiently;
  • The contactless sticker rcb2pay is an additional payment tool which can be issued with your RCB Visa card;
  • Secure payments for goods and services in the internet with 3D Secure service;
  • Travel insurance;
  • The RCB Club programme gives you discounts and benefits when you pay for goods and services using a corporate credit card issued by the Bank;
  • Reliable cards operations, instant transfers and payments are ensured by RCB's own processing center.
Fees and parameters for cards in EUR
Charges EUR
Main card’s annual fee 50 EUR
Supplementary card's annual fee 50 EUR
Urgent card and PIN production (next business day) 10 EUR
Card re-issue/replacement 50 EUR
Card and PIN mailing to client’s address (by courier) 70 EUR
Annual interest rate 10%
Annual interest rate on credit card during the grace period (up to 50 days)1 0%
Monthly interest on credit not repaid on time 2%
Commission for exceeding the established card’s credit limit 2% on excess amount
Card's due date 20th day of the following month from a statement date
Card's minimum installment 8% of the total outstanding balance on a statement date
Commission for cash withdrawals from the ATMs of the Bank Free
Commission for cash withdrawals from the ATMs of other Banks in Cyprus 2% (min. 2 EUR)
Commission for cash withdrawals from the ATMs outside Cyprus 3% (min. 3 EUR)
Commission for cash withdrawals from the cash points of other Banks 3% (min. 3 EUR)
Foreign exchange commission
(for non-account currencies transactions)
2,5%
on transaction amount
SMS-Notice Free
Daily cash withdrawal limit
(set by default and may be changed upon client request)
1.000 EUR
Daily cash withdrawal limit from the ATMs of the Bank 1.000 EUR
Daily transaction limit
(set by default and may be changed upon client request)
20.000 EUR
Daily limit for card not present transactions (internet purchases and other card not present transactions) - set by default and may be changed upon client request 10.000 EUR
Monthly limit for card not present transactions (internet purchases and other card not present transactions) for сards with no SMS-Notice service activation - set by default and may be decreased upon client’s request 200 EUR

1Grace period does not apply to cash withdrawal transactions.

Fees and parameters for cards in USD, GBP and RUB
USD GBP RUB
Main card’s annual fee 100 USD 100 GBP 8.000 RUB
Supplementary card's annual fee 100 USD 100 GBP 8.000 RUB
Urgent card and PIN production (next business day) 10 USD 10 GBP 800 RUB
Card re-issue/replacement 100 USD 100 GBP 8.000 RUB
Card and PIN mailing to client’s address (by courier) 80 USD 80 GBP 5.000 RUB
Annual interest rate 15% 15% 18%
Annual interest rate on credit card during the grace period (up to 50 days)1 0% 0% 0%
Monthly interest on credit not repaid on time 2% 2% 2%
Commission for exceeding the established card’s credit limit 2% on excess amount 2% on excess amount 2% on excess amount
Card's due date 20th day of the following month from a statement date 20th day of the following month from a statement date 20th day of the following month from a statement date
Card's minimum installment 8% of the total outstanding balance on a statement date 8% of the total outstanding balance on a statement date 8% of the total outstanding balance on a statement date
Commission for cash withdrawals from the ATMs of the Bank Free Free Free
Commission for cash withdrawals from the ATMs of other Banks in Cyprus 3%
(min. 3 USD)
3%
(min. 3 GBP)
3%
(min. 300 RUB)
Commission for cash withdrawals from the ATMs outside Cyprus 2%
(min. 2 USD)
2%
(min. 2 GBP)
2%
(min. 200 RUB)
Commission for cash withdrawals from the cash points of other Banks 3%
(min. 3 USD)
3%
(min. 3 GBP)
3%
(min. 300 RUB)
Foreign exchange commission
(for non-account currencies transactions)
2,5%
on transaction amount
2,5%
on transaction amount
2,5%
on transaction amount
SMS-Notice Free Free Free
Daily cash withdrawal limit
(set by default and may be changed upon client request)
1.000 USD 1.000 GBP 80.000 RUB
Daily cash withdrawal limit from the ATMs of the Bank 1.000 USD 1.000 GBP 80.000 RUB
Daily transaction limit
(set by default and may be changed upon client request)
20.000 USD 20.000 GBP 1.600.000 RUB
Daily limit for card not present transactions (internet purchases and other card not present transactions) - set by default and may be changed upon client request 10.000 USD 10.000 GBP 800.000 RUB
Monthly limit for card not present transactions (internet purchases and other card not present transactions) for сards with no SMS-Notice service activation - set by default and may be decreased upon client’s request 200 USD 200 GBP 20.000 RUB

1Grace period does not apply to cash withdrawal transactions.

rcb2pay

The contactless sticker rcb2pay is a convenient means of payment and an alternative to banking cards. It allows for quick payments in a convenient and secure way.

The contactless sticker rcb2pay is as an additional payment tool which can be issued with your RCB Visa credit card. The contactless sticker provides access to your main card account. You can use rcb2pay for non-cash purchases in retail outlets, but it cannot be used for online payments or for withdrawing cash. Depending on your financial needs, you can set a daily transaction limit for rcb2pay by contacting RCB Telephone Banking: 800 00 722 (toll-free in Cyprus),
+357 25 355722 (for calls from abroad) or 8 800 100 7722 (toll-free in Russia).

Commissions and charges

Account currency EUR
rcb2pay annual fee 25 EUR
rcb2pay re-issue/replacement fee 25 EUR
Daily transaction limit (set by default and may be changed upon client's request) 500 EUR

How to use

rcb2pay stickers have the same advantages as the contactless RCB Visa cards. In other words, you can make purchases in less than a second at all point-of-sale terminals featuring the contactless symbol.