Visa Gold
0%
Installment up to
24 months
2%
Cashback:
Max JOD 100/month.
The Visa Gold Credit Card from INVESTBANK is designed for those who cherish flexibility and peace of mind. Enjoy rewards and privileges designed to help you live your life to the fullest.
Key Features
Key features
- 2% Cash Rewards: On all purchases, up to JOD 100 monthly.
- Flexible Payment Plan: 0% interest on purchases of JOD 100+, for up to 24 months, with a one-time fee.
- Annual Fee: Free for the first time then JOD 50 onwards.
- Monthly Card Settlement: 4% or full, min JOD 20.
- Balance Transfer: Transfer your existing credit card balance up to 13 months at 0% interest as one time fee.
- Credit Shield: 0.1% fee, Min of JOD 1.
- Account Management: Manage your credit card via our internet banking, iBank.
- Tap to Pay: daily limit of JOD 300.
Key Features
- Maximize Your Rewards: Earn 2% cashback, capped at JOD 100/month (excluding transactions installed made with the Flexible Payment Plan).
- Flexible Payments Plan (FPP): 0% interest on purchases, repay over 24 months.
- Empower Your Cash Flow: Benefit from iBank’s Instant Balance Transfer programs
- Enjoy Ongoing Special Offers
- Download Visa Airport Companion App to access the lounges and keep track of your visits.
Transaction and Usage Details
- Currency: JOD
- Tap to Pay (Contactless): Up to JOD 100 per transaction, JOD 300 daily limit.
- Visa Secure: Online payments with one-time password protection
- Dynamic Currency Conversion (DCC): 2% fee, with a minimum of JOD 2; (N/A for e-commerce transactions).
- Age Requirements: 21-65 for primary cardholders, and 16 for supplementary cardholders.
Benefits
- Credit Shield (Insurance): 0.1%, minimum JOD 1.
- Grace Period: Up to 45 days interest-free
- Effortless Account Control: Manage your credit card via INVESTBANK’s internet banking or iBank.
- Paper Statements: JOD 1 per card or free iStatement via iBank.
Commissions and Fees
- Primary Annual Fees:
First Year: Free
Renewal: JOD 50 - Supplementary Cards: Maximum of 5, with no annual fees.
- Monthly Payment: 4% of the balance (minimum of JOD 20) or 100%.
- Cash Withdrawal Fee: 4% of the withdrawal amount, with a minimum of JOD 10.
Additional Fees
- Late Payment Fee: JOD 15
- Over-Limit Fee: JOD 15
- Card Replacement Fee: JOD 10
- PIN Replacement Fee: JOD 3
- Dispute Fees (False Claims): JOD 5
- Credit Card Balance Transfer Fees:
13 months for the first time: 5% subject to a minimum of 50 JOD.
Re- purchasing/transferring Credit Card balance through iBank /6 months: 5% subject to a minimum of 50 JOD.
Re-purchasing/ transferring Credit Card balance through iBank /13 months: 8% subject to a minimum of 80 JOD.
Request a credit card
Steps to request a credit card digitally:
- Download our mobile application iBank and choose "Request a credit card"
- Enter your personal information (national number and phone number).
- Agree to the credit card terms and conditions.
- A one-time password (OTP) will be sent to your registered mobile number with the bank.
- Scan your personal ID, then verify using face recognition.
- The bank will deliver your debit card and/or credit card to your address so that you can complete the bank account settings to benefit from the mobile banking application services and start your banking journey.
Steps to opening an account digitally:
- Download the iBank mobile application and choose "Open Account"
- Enter your personal information (national number and phone number).
- Agree to the terms and conditions for opening the account.
- A one-time password (OTP) will be sent to the registered mobile number with the bank.
- Scan your ID, then verify using face recognition
Follow the necessary steps to complete the account opening process. - The bank will deliver the debit card to your address so that you can complete the bank account settings to benefit from the mobile banking application services and start your banking journey.
How to apply for a credit card