From April 15, 2026, the rewards system for the New TBC Card will be updated. If you use different banking products from TBC, you will be able to earn more rewards.
Under the new conditions, for payments made with the New TBC Card at TBC POS terminals or through TBC e-commerce, you will receive 0.2%, 0.3%, or 0.5% of the paid amount back, according to the rewards system described below.
Conditions for determining the reward percentage
The corresponding reward percentage will be granted depending on whether you use additional banking products/services.
The following are considered additional products/services:
• Balance in term deposits: The total balance in term deposits (My Goal, Term Deposit, Deposit Certificate) must be at least 500 GEL or equivalent in foreign currency, calculated using the exchange rate of the National Bank of Georgia.
• Incoming transfers to accounts* A total of at least 500 GEL per month (or equivalent in foreign currency) must be credited to card accounts.
• Credit products: Consumer loan, quick consumer loan, secured loan, auto loan, overdraft, loyal credit card, installment plan, or any type of payment split product.
*The following will not be considered as incoming transfers to the account:
Deposit transfers
Interest credited to deposits
Loan disbursements
Transfers received from gambling providers
Transfers between the customer’s own accounts within TBC
If the transfer is made in foreign currency, the equivalent amount will be calculated using the official exchange rate set by the National Bank of Georgia on the day of the transfer.
How is the reward percentage determined?
• 0.2% – will be received by anyone using the new TBC Card.
• 0.3% – will be received by customers who use the new TBC Card and meet any one of the following components: deposit / incoming transfers / credit product.
• 0.5% – will be received by customers who use the new TBC Card and meet any two of the components.
**The reward percentage with the New TBC Card applies to payments made at TBC POS terminals and TBC e-commerce, except for the following transactions:
Gambling – MCC code: 7995
Government services – MCC code: 8651, 9402, 9399, 9311
Financial operations – MCC code: 6012, 6538, 6536, 6051, 6010
Utility payments – MCC code: 4818, 4900
Transport payments – MCC code: 4111, 4131
Other types of transactions – MCC code: 6221, 7393, 5085, 7338, 5962, 8661, 9331, 4814, 6211, 6300
Increase of the reward percentage
The reward percentage will increase immediately as soon as the condition determining the reward percentage is met.
Decrease of the reward percentage
The percentage will decrease if even one of the qualifying conditions is no longer met.
The decrease will take effect on the first day of the following month, regardless of when the component was cancelled.
Checking the reward percentage
Starting April 15, it will be possible to check the current reward percentage in Mobilebank.
On the update date (April 15, 2026), the reward percentage will be determined as follows:
0.2% – if the customer only has an active New TBC Card and no additional product/service.
0.3% – if the customer has an active new TBC Card plus one of the following:
any of the above-mentioned credit products, OR
meets the minimum balance requirement for term deposits, OR
meets the required amount of incoming transfers.
0.5% – if the customer has an active new TBC Card and meets any two of the above components:
an active credit product,
the minimum balance requirement in term deposits,
the required incoming transfers.
Important information
These changes apply only to the New TBC Card.
The changes do not apply to:
New TBC Concept Card
New TBC Concept 360 Card
Ertguli Credit Card
Customers under 24 years old
Collecting money in the Loyalty Rewards
From April 15, 2026, money will be added to the Loyalty Rewards only from card payments made at TBC POS terminals or TBC e-commerce.
Update of the category selection functionality
From April 15, 2026, the category selection feature in Mobilebank will also change, allowing you to earn more rewards in the following categories:
According to the update:
You will receive cashback only if partner companies are active in the selected category at the moment of earning rewards, and within each category you select/activate a specific partner company's offer.
