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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 monthly — 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

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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Borrow Smart: Starting at 16%

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

loan-2.png
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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.

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

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    • 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

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    • 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

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    • 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

    • Enter the ADVENTURER subscription and save up to 50% when traveling with BookingBash and Visa. Offer is valid until 30.09.2026.

    • 7% cashback to your Booking.com Wallet Credit account. To take advantage of the offer, reservations must be made by using this link for travel from June 3 to June 30, 2026. The offer is valid until 31.05.2026.

    • 10% discount at CinemaStar. The offer is valid until 30.06.2026.

    • 15% off individual online courses on edX. Offer valid until 30.09.2025.

    • 25% off Skillshare annual membership from Visa. Offer valid until 30.09.2026.

    • 20% off short-term courses on the FutureLearn platform when you follow the link and enter the promo code FUTURELEARN20. Offer valid until 30.09.2026.

    • 15% off 2U GetSmarter short-term courses when you enter the promo code 2UESGSVISA15. Offer valid until 30.09.2026.

    • 10% off online English courses at the BritishCouncil. Offer valid until 30.09.2026.

    • 10% off on Rentalcars.com when booking via the link. Offer is valid until 15.06.2027.

    • 15% discount at Gia restaurant and Go & Sip Cocktail Bar at Courtyard by Marriott. Not applicable for business lunch offers and cannot be combined with other promotions. Offer valid until 30.06.2026.

    • 10% discount on SPA services and Elemis products at Courtyard by Marriott Yerevan. Applies to massages only, does not cover other services, and cannot be combined with other promotions. Offer valid until 30.06.2026.

    • Up to 12% discount on Agoda.com. The offer is valid until 30.10.2026.

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

    • 4% equivalent points to your Booking.com wallet. To use the offer, you must follow the link. The maximum Wallet Credit amount is up to 200 Euros and it is provided 64 or more days after payment.

    • 10% discount at Hertz RentalsPlus for car rentals and receive Hertz Gold Plus Rewards status.

    • 4 nights for the price of 3 when booking on the Beyond Green website. To use the offer, you must follow the link and enter the code MKTGMC.

    • 12% discount on Express and Business First tickets when purchasing a Heathrow Express ticket. To use the offer, you must follow the link and enter the code MCARD26.

    • 4 nights for the price of 3 when booking within the Preferred Hotels & Resorts network. To use the offer, you must follow the link and select the MKTMSC rate code. The offer is valid for bookings made until December 31, 2026 and completed until March 31, 2027.

    • 5% discount on cruises and 50 Euro bonus points for each booking at The Hutigruten Expeditions General. To use the offer, you must follow the link and enter the code MCSTANDARD.

    • 15% discount with no minimum spend required at YOOX. The offer can be used up to 5 times by following the link.

    • 15% discount when registering for EasyJet Plus. To use the offer, you must follow the link.

    • Get AMD 10,000 bonus on Glovo. Complete 10 orders within one month and receive AMD 10,000 to your Glovo account. The offer is valid for orders with a minimum amount of AMD 3,000 each. The offer is available only once per cardholder and applies exclusively to payments made via Apple Pay or Google Pay. The offer is valid until 31.05.2026.

    ​​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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