Ertguli Credit Card

The Ertguli Credit Card is a flexible financial tool that gives access to a credit limit for daily or unforeseen expenses. It also offers the highest per-transaction cashback (from 1% to 12%) and exclusive rewards from more than 3,000 partners. The cashback can be even higher under particular offers.

A prospective cardholder must be a Georgian resident (including a Sole Proprietor), aged from 18 to 70, with at least a 200 GEL income in the past 3 months. In case of remittance income, he/she must have received at least 200 GEL five times in the past 6 months.

You can get the Ertguli card in Mobilebank instantly, you can also visit any of our branches, contact us or request a call from the website

Yes. Your digital card is active immediately upon registration and works independently of the physical card. If your physical card is lost or damaged, you can continue using your digital card until you cancel it or its validity period expires.

If you make a call request during business hours, a bank representative will call you on the same day.

You can hold a maximum of 3 Ertguli Credit Cards at a time.

The Ertguli Credit Card can be used for local as well as international transactions, at POS terminals, ATMs, and on e-commerce platforms. Cash withdrawal and online payment fees are provided above, in the Terms and Conditions.

Cashback won’t be accumulated: gambling, government services, financial transactions, utility payments, public transportation payments and other types of transactions.

You will have a maximum of a 55 (fifty-five)-day grace period;

When transferring funds to an Ertguli credit card from another financial institution's card via mobile or internet banking using a mobile phone number, it may take a certain amount of time for the funds to reflect on your bank account. This depends on external processes and is beyond the bank's control.

Please note that your existing obligation will be considered fulfilled only from the moment the funds are actually reflected on your bank account. The bank is not responsible for any possible overdue payments that may arise due to a delay in the reflection of funds.

All Ertguli Cards are issued in GEL.

You can pay At TBC Bank branches; via Internet Bank, Mobile Bank, or TBC Pay; by setting up a payment order on your account with another bank.

It is the date on which the amount owed is determined. The billing date will be the day of the month on which your Ertguli Credit Card account was opened, except for the 28th, 29th, 30th and 31st day. If your Ertguli Credit Card account is opened on any of these days, the billing date can be the 27th day of each subsequent month. The Ertguli Credit Card billing date cannot be changed. It can only be adjusted on a one-time basis, if it falls on a non-business day/a holiday.

The required minimum payment is 5% of the amount drawn up to the billing date, plus the accrued interest or penalty (if any).

If your Ertguli Card goes overdue, it will be blocked.

If the required minimum is not paid before the final due date, a penalty will be charged as follows: 1 (one) GEL per day overdue and 1% of the overdue amount (but no more than 0,27% of the outstanding principal balance). Furthermore, the total amount of charges from the day the payment goes overdue to the day it is paid off must not be higher than 1.5 times the current outstanding principal balance.

To avoid penalties, you should pay off the outstanding credit within 25 days of the billing date, either as a lump sum or in parts, or pay the required minimum.

With the Ertguli Card, you can get 1% to 2% cashback at any POS terminal in Georgia. The cashback will be even higher while paying at a TBC POS terminal at partner stores. More details about partner stores are provided on link.

Cashback won’t be accumulated: gambling, government services, financial transactions, utility payments, public transportation payments and other types of transactions.

No, the existing debt will not be covered this way; however, the amount will be returned to your card limit.

You can use this card both within the country and abroad — for payments at POS terminals as well as for cash withdrawals at ATMs.