Why the Ertguli Credit Card?

It is a credit card that offers a 0% grace period on used funds while giving you exceptionally high cashback on every purchase.

What are the eligibility criteria?

You must be a Georgian citizen aged 18 to 70, have a stable monthly income (salary, rent, remittances, etc.), and a good credit history.

How to order the Ertguli Card?

You can easily order the card via TBC Mobile Banking, by filling out an application on the website (callback request), or at any branch.

Can I use only the digital version?

Yes, the Ertguli card is available as a digital card. You can activate it instantly via Mobile Banking without needing a physical plastic card.

How long does it take to receive a callback?

After submitting a callback request on the website, a bank representative will usually contact you within a few hours or on the next business day.

How many Ertguli Credit Cards can I hold?

A customer can have one active Ertguli credit limit, but within that limit, you can hold different card types (e.g., a physical main card and a digital version).

Where can I use my Ertguli Credit Card?

You can use the card at any POS terminal or online store worldwide wherever Visa/Mastercard is accepted.

Is there any grace period?

Yes, a grace period applies (effective 0% interest). If you fully repay the balance before the grace period expires, no interest will be charged.

What to consider when transferring via mobile number from another bank?

When transferring via mobile number from another bank, ensure that your mobile number is linked directly to your Ertguli credit account in TBC to ensure instant debt repayment.

In what currency is the Card issued?

The Ertguli credit card and its credit limit are issued in the national currency — Georgian Lari (GEL).

What are the ways to make a payment?

You can make payments via TBC Mobile/Internet Banking, TBC Pay self-service terminals, or at any TBC branch.

What is the billing date?

This is a fixed monthly date when the bank sums up your expenditures from the previous period, generates a statement, and informs you about the minimum or full amount due.

What is the required minimum payment?

The required minimum monthly payment is 5% of the used credit limit.

What happens if the credit card goes overdue?

If you fail to pay at least the minimum 5% within the due date, your account becomes overdue, penalties apply, and your credit score may be negatively affected in the Credit Info bureau.

In what cases is the penalty charged?

A penalty is charged only if you miss the deadline for paying the required minimum monthly amount (5%) specified in your statement.

How can I avoid penalties?

To avoid penalties, always pay at least the 5% minimum payment on time. The best way is to set up an "Automatic Payment" in your Mobile Banking application.

How do I receive the cashback?

Cashback is accumulated automatically whenever you pay with your Ertguli card at any POS terminal (1% for Standard, 2% for Platinum).

Does a reversal/refund cover the credit card debt?

A merchant reversal/refund returns funds to the credit card balance and reduces the total debt, but it may not automatically substitute your obligation to pay the monthly minimum due unless processed accordingly.

Can I use the card outside the country?

Yes, since the Ertguli card belongs to the international Visa network, you can freely use it anywhere worldwide for shopping or ATM cash withdrawals.

TBC Card

Get a new TBC card and enjoy unique benefits

check-circle-filled Get up to 0.7% cashback on payments at TBC terminals
check-circle-filled Withdraw money from any bank's ATM without paying a commission in Georgia
check-circle-filled Pay at least 5 utility bills with no commission