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Borrow Smart: Starting at 16%

Get consumer loans and credit lines with 16–18% nominal and 17.28–19.64% effective interest rates.

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Promotions & Discounts

Enjoy access to special offers from a variety of partner stores. See All >

Free Gold Card

Get your VISA Gold or Mastercard Gold card with no maintenance fees or any fees

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Free SMS Notifications

Receive free SMS alerts for all transactions over AMD 1,000

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Free Cash Withdrawal

Enjoy 0% cash withdrawal fees at Inecobank ATMs, and for transactions up to AMD 100,000 — at all other ATMs in the ARCA network

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Order Your Free Gold Card

When you receive your salary with Inecobank

Receive a free Mastercard Gold or VISA Gold salary card and enjoy a range of exclusive benefits

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When you receive your salary with Inecobank

Receive a free Mastercard Gold or VISA Gold salary card and enjoy a range of exclusive benefits

Borrow Smart: Starting at 16%

Get consumer loans and credit lines with 16–18% nominal and 17.28–19.64% effective interest rates.

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Free Gold Card

Get your VISA Gold or Mastercard Gold card with no maintenance fees or any fees

Free Cash Withdrawals

Enjoy 0% cash withdrawal fees at Inecobank ATMs, and for transactions up to AMD 100,000 — at all other ATMs in the ARCA network

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Promotions & Discounts

Enjoy access to special offers from a variety of partner stores. See All >

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Free SMS Notifications

Receive free SMS alerts for all transactions over AMD 1,000

Order Your Free Gold Card

Վարկեր սկսած 16%-ից

Get consumer loans and credit lines with 16–18% nominal and 17.28–19.64% effective interest rates.

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Անվճար Gold քարտ

Ստացիր VISA Gold կամ Mastercard Gold քարտը՝ առանց սպասարկման կամ այլ լրացուցիչ վճարների

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Անվճար կանխիկացում

0% կանխիկացման վճար Ինեկոբանկի բանկոմատներում, իսկ մինչև 100,000 դրամի գործարքների համար՝ նաև ARCA համակարգի բանկոմատներում

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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Ակցիաներ և զեղչեր

Վերաֆինանսավորիր առանց թղթաբանության` հաշված րոպեների ընթացքում

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Անվճար SMS ծանուցումներ

Նվազեցրու ամսական վճարումներդ ու կառավարիր վարկի ժամկետը

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Apply for Refinancing

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When you receive your salary with Inecobank

Receive a free Mastercard Gold or VISA Gold salary card and enjoy a range of exclusive benefits

You have a number of benefits

Borrow Smart: Starting at 16%

Get consumer loans and credit lines with 16–18% nominal and 17.28–19.64% effective interest rates.

Promotions & Discounts

Enjoy access to special offers from a variety of partner stores. See All >

Free Gold Card

Get your VISA Gold or Mastercard Gold card with no maintenance fees or any fees

Free SMS Notifications

Receive free SMS alerts for all transactions over AMD 1,000

Free Cash Withdrawal

Enjoy 0% cash withdrawal fees at Inecobank ATMs, and for transactions up to AMD 100,000 — at all other ATMs in the ARCA network

Order Your Free Gold Card

Promotions & Discounts

Pay with your Mastercard Standard or Gold and enjoy one of these offers

  • Plane.png

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

  • education.png

    • 15% off edX individual online courses

    • 25% off Skillshare annual membership

    • 20% off short-term courses on FutureLearn

    • 15% off 2U GetSmarter short-term courses

    • 10% off British Council online English courses

  • Special-Offesr.png

    • 10% discount at AKG More Than A Pharmacy

    • 10% discount at The Body Shop

    • Voucher for future purchases at Sirun Ankyun store

    • 16% off at COLE HAAN store

    • 16% off at Jack and Jones

    • 16% off at Levi’s

    • 16% off in New Balance

    • 16% off in Puma

    • 16% off in Lee Wrangler

    • 20% off in Sportlandia

  • Restaurant.png

    • 15% discount at KinoPark via Visa and app

    • 15% discount at Square One Cafe

    • 15% discount at Segafredo Armenia Cafe

    • 15% discount at Cinnabon Armenia Cafe

    • 10% discount at Paul Cafe

    • 16% off at The Lodge restaurant

Promotions & Discounts

Pay with your Mastercard Gold and enjoy one of these offers

  • Plane.png

    • 15% զեղչ Կինոպարկում՝ Visa-ով և հավելվածով

    • 15% զեղչ Square One սրճարանում

    • 15% զեղչ Segafredo Armenia սրճարանում

    • 15% զեղչ Cinnabon Armenia սրճարանում

    • 10% զեղչ Paul սրճարանում

    • 10% զեղչ The Lodge ռեստորանում

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    • 10% VIP զեղչ և հավելյալ առավելություններ The Bicester Collection Online-ում

    • 15% զեղչ՝ առանց մինիմալ ծախսի YOOX-ում

Promotions & Discounts

Pay with your Mastercard Standard or Gold and enjoy one of these offers

  • Ճամփորդություն և հանգիստ

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Կրթություն և առցանց ուսուցում

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Գնումներ և նորաձևություն

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Սնունդ, սրճարաններ և ժամանց

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

Promotions & Discounts

Pay with your Mastercard Gold and enjoy one of these offers

  • Ճամփորդություն և հանգիստ

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Կրթություն և առցանց ուսուցում

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Գնումներ և նորաձևություն

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Սնունդ, սրճարաններ և ժամանց

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

  • Travel & Leisure

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Education & Online Learning

    • 15% off edX individual online courses

    • 25% off Skillshare annual membership

    • 20% off short-term courses on FutureLearn

    • 15% off 2U GetSmarter short-term courses

    • 10% off British Council online English courses

    Shopping & Fashion

    • 10% discount at AKG More Than A Pharmacy

    • 10% discount at The Body Shop

    • Voucher for future purchases at Sirun Ankyun store

    • 16% off at COLE HAAN store, Jack and Jones, Levi’s, New Balance, Puma, Lee Wrangler, Sportlandia

    Food, Cafes & Entertainment

    • 15% discount at KinoPark via Visa and app

    • 15% discount at Square One Cafe, Segafredo Armenia Cafe, Cinnabon Armenia Cafe, Paul Cafe

    • 16% off at The Lodge restaurant

    ​To view the full list of offers and usage instructions, click here.

  • Travel & Accommodation

    • Receive 4% wallet credits at Booking.com

    • 10% off car rentals at Hertz RentalsPlus + Gold Plus Rewards® status

    • 10% off car rental bookings on Rentalcars.com

    • 4 nights for the price of 3 at Beyond Green

    • 15% off when signing up for EasyJet Plus

    • 12% off Express & Business First tickets on Heathrow Express

    • 4 nights for the price of 3 at Preferred Hotels & Resorts

    • 5% off sailing + €50 onboard credit at Hutigruten Expeditions General

    Shopping & Fashion

    • 10% VIP discount and additional perks at The Bicester Collection Online

    • 15% off at YOOX with no minimum spend (usable 5 times)

    ​​To view the full list of offers and usage instructions, click here.

Promotions & Discounts

Pay with your Mastercard Standard or Gold and enjoy one of these offers

  • Ճամփորդություն և հանգիստ

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Կրթություն և առցանց ուսուցում

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Գնումներ և նորաձևություն

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Սնունդ, սրճարաններ և ժամանց

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

Promotions & Discounts

Pay with your Mastercard Gold and enjoy one of these offers

  • Ճամփորդություն և հանգիստ

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Կրթություն և առցանց ուսուցում

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Գնումներ և նորաձևություն

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

    Սնունդ, սրճարաններ և ժամանց

    • Save up to 50% when traveling with BookingBash and Visa with the ADVENTURER subscription

    • 7% cashback to your Booking.com Wallet Credit account

    • Special offers at Apricot Hotels & Resorts

    • Up to 10% discount on car rental at SIXT

    • 10% off on Rentalcars.com when booking

    • Up to 20% off for car rentals at Avis

    • 5% discount at Concept Hotel

    • Special offer at Dilijazz Hotel: early check-in, late check-out, room upgrade

    • Apaga Resort booking includes free Darman tea set and chocolate

    • Upgrade to “Special Adventure Pass” at Yell Extreme Park

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