Credit Card


Credit card NEXT allows you to use the pre-approved limit and to refund the spent amount without charging interest.   

  • Grace period – up to 55 days

  • Refund program

  • Minimal monthly installments – 5% of the spent amount

  • Terabank's card holders can transfer the amount to any card of Terabank through ATM;


Credit limit repayment terms:

Credit limit repayment can be made in two ways:

  • Full repayment for using 0% credit

  • Repayment through minimal installments – by charging interest



Accumulate terabytes from terabank and pay for utilities free of charge or fill in the account!

Get involved with the Loyalty program:

On every GEL 5 transaction – get 1 terabyte

To every amount more by GEL 1 - 1 more terabyte will be added


  • Six lari transaction = 1+1 terabytes
  • Nine Lari transaction = 1+4 terabytes
  • Transactions of 1000 GEL or above = 996 terabytes, which is the maximum amount of accrued points(1 terabyte is for the initial 5 GEL, while the remaining 995 GEL = 995 terabytes)

300  terabytes = GEL 1


Credit Card conditions (Next/Next Up cards)

Card validity 2 years

Card Issuance fee


Swift card issuance fee 

cost of the card + GEL 20 

Annual Interest Rate From 29% in GEL 
Effective interest rate in case of full repayment of the limit once a month* 0,7%
Effective interest rate in case of repayment through minimal installments* 34,7%
Credit Limit Term 4 years
Credit Limit Currency GEL 
Credit Limit Approval Fee 0%
Annual Service Fee Visa Classic: GEL 35
Visa Platinum: GEL 85
Credit Limit Volume Next card: 500- 17 000 GEL
Next Up card: 500 - 5000 GEL

Fee for change of the daily limit of cash withdrawal from ATM (maximal term is 1 month) 

 5 GEL

*Effective interest rate of the credit card has been counted by calculating on GEL 5,000 limit.

It is asumed that the borrower uses the credit card for  payment purposes.

Daily limits for cash withdrawal and settlement

Contactless operation GEL 50
From ATM GEL 10,000 or its equivalent*
At Terabank Unlimited
In case of payment      GEL 30,000 or its equivalent
At another bank    GEL 30,000 or its equivalent    

Fee for transfer from the account of Next/ Next UP card

Transfer from Next card’s account in GEL (at Terabank and other banks)

3.5% min. GEL 10 (equivalent)

Transfer from Next card’s account in currency (at Terabank)

3.5% min. GEL 10 (equivalent)

Transfer from Next card’s account in currency (at the other banks)

3.5% min. USD 20/EURO 15

Fee for transfer to terabank’s card through the ATM of Terabank

3% min. GEL 9 

Cash Withdrawal Fees

From Terabank ATM 3% Minimum GEL 9  (relevant equivalent)
In Terabank 3.5% Minimum GEL 10  (relevant equivalent)
Payment through POS terminal 0%
Payment of utilities from ATM 0%

Cash Withdrawal from ATM of a Partner Bank

3.5%, min. GEL 12 (relevant equivalent)*
Cash Withdrawal from any bank’s ATM (inside of the country) 3.5%, min. USD 5 (relevant equivalent)
Cash Withdrawal from any other bank’s ATM (outside of the country) 3.5%, min. USD 5 (relevant equivalent)
Cash Withdrawal from a partner bank 4% min. GEL 12  (relevant equivalent)*
Cash Withdrawal from the other bank 4% min. USD 4 (relevant equivalent)

*Liberty Bank   *TBC Bank

Card services Safety/Insurance

Service Standard Premium Premium Plus Gold Gold Plus
Annual Fee GEL 5 GEL 10 GEL 15 GEL 25 GEL 50
Card Insurance Term                                                                                    Equals to Card validity term
Transactions fullfilled without PIN or Chip (above GEL 50)  GEL 2000 GEL 5000  GEL 8000 GEL 10000 GEL 25000
Internet transactions  GEL 500 GEL 800 GEL 1100 GEL 3000 GEL 7000
Authorization-free transactions GEL 200 GEL 500 GEL 800 GEL 1200 GEL 2500
Number of operations reimbursed 10 illegal operations

Standard terms and conditions for performance of terabank’s banking operations: see at the following link

Cards General Guideliens

ATM Location


In case of card loss, please contact Terabank immidiately via telephone: (+995 32) 255 00 00 or mobile: *50 50.  Terabank call center operates 24 hours.

Application Form

Security Code