Credit cards give you the opportunity to make purchases and to withdraw cash around the world, using not only your own funds, but also the funds available fr om any credit limits granted by the Bank, for interest-free (grace) period. A credit limit is granted to clients using a deposit with the bank as security. You can apply for a credit card by contacting your account manager, or by contacting any of the Bank’s branches.
|Main credit card's annual fee
|Main credit card's annual fee (second and each consecutive card)||20 EUR||20 EUR|
|Supplementary credit card's annual fee||Free
first and second card
third and each consecutive card
|Issuance of Visa Gold card (one-off payment)||Issued by default||50 EUR|
|Urgent card and PIN production (next business day)||10 EUR||15 EUR|
|Annual interest rate on credit card||10%||12%|
|Annual interest rate on credit card during the grace period
(up to 50 days)
|Monthly interest on credit not repaid on time||2%||2%|
|Commission for exceeding the established card’s credit limit||2%||2%|
|Commission for cash withdrawals from the ATMs of the Bank||Free||Free|
|Commission for cash withdrawals from the ATMs of other banks in Cyprus||Free
1% (min. 1 EUR)
fourth transaction and each consecutive
2% (min. 2 EUR)
third transaction and each consecutive
|Commission for cash withdrawals from the ATMs outside Cyprus||2,5% (min. 2,5 EUR)||3% (min. 3 EUR)|
|Commission for cash withdrawals from the cash points of other Banks||2,5% (min. 2,5 EUR)||3% (min. 3 EUR)|
|Foreign exchange commission
(for non-Euro transactions)
|2% on transaction amount||2,9% on transaction amount|
|Card and PIN mailing to client’s address (by courier)||70 EUR||70 EUR|
|Daily transaction limit (set by default and may be changed upon client request)||10.000 EUR||3.000 EUR|
|Daily cash withdrawal limit from the ATMs of the Bank||1.000 EUR||1.000 EUR|
|Daily cash withdrawal limit (set by default and may be changed upon client request)||1.000 EUR||1.000 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||3.000 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||200 EUR|
1ATM cash withdrawals are calculated per month per account regardless the number of cards linked to the account.
- Competitive commissions and charges;
- A grace period of up to 50 days allows you to make use of credit without paying interest;
- A low and competitive interest rate once the grace period is over allows you to reduce your expenditure;
- Setting a credit limit against the security of a deposit with the Bank means you can make use of additional funds without losing interest on a deposit;
- The minimum monthly payment is 8% of the used credit limit, which means you can repay an amount due efficiently;
- Flexibility to adjust daily limits on card transactions quickly in order to purchase big-ticket items;
- The RCB Club programme gives you discounts and benefits when you pay for goods and services using a credit card issued by the Bank.
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
|rcb2pay annual fee||Free first card
second and each consecutive card
|rcb2pay re-issue / replacement fee||Free||7,50 EUR|
|Daily transaction limit (set by default and may be changed upon client's request)||500 EUR||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.