OTP Bank

Visa Credit Card

Visa Credit Card

Everything with Visa

Visa credit card is a card that you can use to pay for products and services as well as to withdraw money inside and outside the country up to the allowed limit, against the minimum monthly repayment.

Visa card beneficiaries

The Visa Card is valid for all clients receiving a salary or pension in Albania.

In order to meet the needs of citizens, OTP Bank also allows those who are not regular customers of the Bank to apply for this card, as well as persons with a fixed-term employment contract who are able to provide collateral.

You can apply for a card if you are not employed but can secure a personal deposit as collateral.


  • Choice of currency (Lek / Euro)
  • Use inside and outside the country
  • 15 - 45 days of forgiveness period for commissions for delays in debt settlement
  • 0% commission for purchases at POS and Internet
  • Maximum security thanks to Chip & PIN technology
  • Minimum payment only 5% of the amount used



To apply, just submit to one of our branches with the following documents

  • Apply at one of our branches
  • Identity Card or Passport;
  • Income account movements for at least the last 12 months;
  • Salary confirmation (optional)

More for the Visa Credit Card

  • Make payments anywhere in the world, in any POS unit bearing the VISA logo
  • Enough card limit to cover expenses according to your needs
  • Highly competitive interest and commissions
  • Numerous options to repay the obligation: Cash, bank transfers or Online Banking service
  • Cash withdrawal at any ATM (ATM) of OTP Bank and ATMs of other banks bearing the VISA logo, inside and outside the country 24/7
  • SMS notification on the first day of each month on the details of the invoice, for the unpaid amount as well as for the mandatory minimum amount
  • Contactless service: by approaching the card over the POS terminal, you can pay for any product / service you want
  • Simple and fast application

Siguria Online

  • The use of cards is constantly increasing, so we need to be vigilant in using them for online shopping.For this reason, OTP Bank Albania has prepared a guide with the main points that you should keep in mind when making card purchases online.
  • You can find the guide by clicking here

3D Secure service

Këtu mund të lexoni më shumë mbi shërbimin 3D Secure që do t’ju shërbejë për blerjet online.


Për informacion rreth çmimeve për produktet dhe shërbimet, shiko këtu.

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