Credit cards

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.

Advantages of the Bank’s credit cards
  • 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.
Fees and parameters for cards in EUR

RCB Gold
RCB Classic
Main credit card's annual fee
(first card)
Free 15 EUR
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

20 EUR
third and each consecutive card
20 EUR
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
Credit card
re-issue/replacement
Free 15 EUR
Annual interest rate on credit card 10% 12%
Annual interest rate on credit card during the grace period
(up to 50 days)
0% 0%
Monthly interest on credit not repaid on time 2% 2%
Commission for exceeding the established card’s credit limit 2% on excess amount 2% on excess amount
Credit card's due date 20th day of the following month from a statement date 20th day of the following month from a statement date
Credit card's minimum installment 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
Commission for cash withdrawals from the ATMs of other banks in Cyprus Free
three transactions1

1% (min. 1 EUR)
fourth transaction and each consecutive
Free
two transactions1

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-account currencies transactions)
2% on transaction amount 2,9% on transaction amount
SMS-Notice Free Free
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.

Fees and parameters for cards in USD, GBP and RUB

USD
GBP
RUB
Main credit card's annual fee
(first card)
50 USD 50 GBP 4.000 RUB
Main credit card's annual fee (second and each consecutive card) 50 USD 50 GBP 4.000 RUB
Supplementary credit card's annual fee 20 USD 20 GBP 1.600 RUB
Urgent card and PIN production (next business day) 10 USD 10 GBP 800 RUB
Credit card
re-issue / replacement
Free Free Free
Annual interest rate on credit card 15% 15% 18%
Annual interest rate on credit card during the grace period
(up to 50 days)
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
Credit 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
Credit 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 2,5%
(min. 2,5 USD)
2,5%
(min. 2,5 GBP)
2,5%
(min. 250 RUB)
Commission for cash withdrawals from the ATMs outside Cyprus 1%
(min. 1 USD)
1%
(min. 1 GBP)
1%
(min. 100 RUB)
Commission for cash withdrawals from the cash points of other Banks 2,5%
(min. 2,5 USD)
2,5%
(min. 2,5 GBP)
2,5%
(min. 250 RUB)
Foreign exchange commission
(for non-account currencies transactions)
2% on transaction amount 2% on transaction amount 2% on transaction amount
SMS-Notice Free Free Free
Card and PIN mailing to client’s address (by courier) 80 USD 80 GBP 5.000 RUB
Daily transaction limit (set by default and may be changed upon client request) 10.000 USD 10.000 GBP 800.000 RUB
Daily cash withdrawal limit from the ATMs of the Bank 1.000 USD 1.000 GBP 80.000 RUB
Daily cash withdrawal limit (set by default and may be changed upon client request) 1.000 USD 1.000 GBP 80.000 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
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


RCB Gold
RCB Classic
Account currency EUR EUR
rcb2pay annual fee Free first card

10 EUR
second and each consecutive card
10 EUR
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.