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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":62,"publication_date":63,"views_count":64,"category":65,"topics":68,"author":81,"banners":97,"seo":106},87,"Best credit cards with grace period in Armenia: how to avoid Interest and choose the right option","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A credit card is more than just a convenient way to pay when your account temporarily runs low on funds. In Armenia, banks offer credit cards with a grace period—allowing you to use the bank’s money for free, provided you repay it within a set timeframe. But to truly benefit and avoid paying interest, it’s important to understand how these cards work and what to look for when choosing one.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A grace period is a specific number of days set by the bank during which you can use borrowed funds without incurring any interest. The key condition: the full outstanding balance must be repaid by the end of this period.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: the grace period applies only to non-cash purchases. Cash withdrawals or card-to-card transfers are not covered—interest on these transactions is charged from day one.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What grace periods do banks in Armenia offer?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Currently, banks in Armenia offer \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">grace periods ranging from 10 to 45 days. \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The longest option—\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">45 days\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">—is available only with a limited number of cards. Terms can vary significantly: in some cases, the countdown starts from the date of purchase, while in others, it begins from a fixed billing cycle start date set by the bank. Below, we will break down the conditions of these cards in detail.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Please note: t\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">he grace period is not an individual 45-day window for each purchase—it follows a single billing cycle. For example, if a bank’s grace period ends on the 25th of each month and you make a purchase on May 5, you’ll have only 20 days to repay the debt without interest.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What happens if you miss the deadline?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If the outstanding balance is \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">not fully repaid on time\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, you lose the right to use the funds interest-free. The bank will charge interest \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">on the full debt amount\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> starting from the date of purchase. From that point, the bank’s \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">standard credit rate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> applies—typically higher than that of a regular consumer loan.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do bonuses extend the grace period?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No. Cashback, airport lounge access, and other card benefits do not affect the grace period. It remains fixed regardless of the card level or promotional offers. Consider bonuses as extra perks, but always keep track of your repayment deadlines.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to choose the right credit card?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AFM\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> platform makes it easy to compare all available credit cards in Armenia based on key criteria, including:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Length of the grace period\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Annual interest rate after the grace period ends\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Annual service fee\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Card type (standard, premium)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Availability of cashback or bonuses\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Eligibility for non-residents\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">You can use an interactive filter to quickly select cards with the features you need—such as zero service fees, maximum grace period, free issuance, and more. This saves you hours of research: no need to call banks, browse websites, or compare terms manually.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Our Top picks: credit cards with the longest grace period\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">We analyzed the offers from all banks in Armenia and selected \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">credit cards with the longest grace period available—45 days\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. The final list includes\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\"> five cards, three of which are premium-level products\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. In this review, we’ll cover:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Terms of use\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Exact interest rates after the grace period ends\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Applicable fees and any hidden charges\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Bonus features\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Special conditions \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">for non-residents\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">—if you live in Armenia but do not yet have citizenship or residency status.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(67, 67, 67);\">Mastercard Standard by Byblos Bank Armenia is a standard credit card offering a 45-day grace period.\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The annual maintenance fee for this card is 9,000 drams. The credit limit is determined individually by the bank, with a maximum available amount of 1,500,000 drams.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The interest rate ranges from 17.81% to 23.81%, and a 1% fee is charged for cash withdrawals. If you are a non-resident, an additional 5,000 drams account opening fee applies.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To apply for the card, you must provide a passport and an employment contract or another official document confirming your source of income. These requirements apply to both residents and non-residents.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(67, 67, 67);\">Mastercard Gold by Byblos Bank Armenia is a Gold-class credit card offering a grace period of up to 45 days.\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The annual maintenance fee is 18,000 drams. The credit limit is available up to 1,500,000 drams. The interest rate ranges from 16.42% to 21.36%. The cash withdrawal fee is the same as with the Standard card—1%. Non-residents are subject to a one-time account opening fee of 5,000 drams.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To apply, both residents and non-residents must provide a passport and a document confirming their source of income, such as an employment contract.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(67, 67, 67);\">Visa Platinum by IDBank is a premium credit card offering a 45-day grace period along with added benefits.\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The annual maintenance fee is 18,000 drams. The credit limit is determined individually based on your credit history. The interest rate is fixed at 19%, while the cash withdrawal fee is higher—2%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">With this card, you receive two free airport lounge visits per year and can earn up to 25% cashback in the form of idcoin bonus points when purchasing airline tickets. 1 idcoin = 1 dram, and accumulated points can be used for QR payments.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To apply, you’ll need a passport and proof of income. This requirement applies to both residents and non-residents. For non-residents, there is a one-time account opening fee of 10,000 drams.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(67, 67, 67);\">Visa Signature by IDBank is a premium credit card that offers an extended package of premium services along with a 45-day grace period.\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The annual maintenance fee for this card is 69,900 drams, but if you apply online, a first-year discount applies, reducing the fee to 34,500 drams. The credit limit is set individually based on your credit history. As with the previous card, the interest rate is fixed at 19%, and the cash withdrawal fee is 2%. For non-residents, a one-time account opening fee of 10,000 drams applies.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Cardholders receive 4 free airport lounge visits per year. The card also includes Fast Track service and up to 25% cashback on flight bookings in the form of idcoin bonus points (1 idcoin = 1 dram). These points can be used for QR code payments.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Regardless of your residency status, to obtain this card you must provide a passport and a document confirming your source of income.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(67, 67, 67);\">Visa Infinite by IDBank is the bank’s flagship credit card, offering the most comprehensive set of privileges along with a grace period of up to 45 days.\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">This is a premium card with a high annual maintenance fee of 99,900 drams. The credit limit is determined individually. The interest rate is fixed at 19%, and the cash withdrawal fee is 2%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The card includes 6 free airport lounge visits, Fast Track service, and up to 25% cashback on airline ticket purchases. Cashback is earned in the form of the bank’s corporate bonus points (idcoin), which can be used for future purchases via QR payments (1 idcoin = 1 dram).\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To apply, you’ll need a passport and proof of income. For non-residents, the same documentation applies, along with a one-time account opening fee of 10,000 drams.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">As we can see, the maximum grace period offered by all selected cards is 45 days. IDBank provides the broadest range of options—from basic to premium cards with added bonuses and privileges. For those seeking standard conditions, Byblos Bank Armenia offers competitive alternatives.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Before applying, be sure to consider not only the length of the grace period, but also the annual maintenance fee, interest rate, cash withdrawal fees, and document requirements. A credit card can be a very convenient financial tool for everyday expenses—if you understand the details and use it wisely.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002Fc04a8c17-9c77-4f5f-8454-ef3982a7ca1e.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc04a8c17-9c77-4f5f-8454-ef3982a7ca1e.webp","Pexels",null,"2025-05-28 14:35:00",4037,{"title":66,"slug":67},"Journal","journal",[69,72,75,78],{"title":70,"slug":71},"Credit Cards","credit-cards",{"title":73,"slug":74},"ID Bank","id-bank",{"title":76,"slug":77},"Byblos Bank Armenia","byblos-bank-armenia",{"title":79,"slug":80},"Payments and transfers","payments-and-transfers",{"first_name":82,"last_name":83,"full_name":84,"avatar":85,"email":86,"slug":87,"company":88,"phone":62,"title":89,"description":90,"position":91,"position_description":92,"social_links":93},"Roman","Galstyan","Roman Galstyan","\u002Fcontent\u002Fuploads\u002Favatars\u002F274267e71693c296cc5de71da4c6d5b1.webp","romangalstyan.afm@gmail.com","roman-galstyan","AFM","About the author","\u003Cp>\u003Cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\">A specialist with six years of professional experience, including four years in the financial sector. Previously collaborated with international organizations and contributed to the preparation of analytical materials and reviews. At AFM, Roman focuses on clearly explaining financial products, comparing terms, and creating practical content that helps users make informed and well-considered decisions.\u003C\u002Fspan>\u003C\u002Fp>","AFM article and news Author","\u003Cp>Creates clear, verified and up-to-date content about financial products, markets, and initiatives in Armenia.\u003C\u002Fp>",[94],{"name":95,"link":96,"status":5},"linkedin","",[98],{"id":99,"image_desktop":100,"image_tablet":101,"image_mobile":102,"is_centered":7,"is_dark":7,"title":103,"description":104,"url":105},2,"\u002Fcontent\u002Fuploads\u002Fbanners\u002F9c914e1378edaeb3f237bf8cbc679663.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F575668df2618c525fb9f3bc7de477daa.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F8e57e43f93e39f3dd2724b907e84f84e.webp","All payments in one place","Easily pay for 1000+ services","https:\u002F\u002Feasywallet.app.link\u002Fafm_eng",{"title":107,"description":108,"keywords":109},"Best Interest-Free Credit Cards in Armenia 2025 — How to Use the Grace Period","Looking for a credit card with a grace period in Armenia? Compare 2025 offers and learn how to avoid interest charges and pick the best card.",[110,111,112,113],"best credit cards Armenia 2025","interest-free credit cards Armenia","grace period credit card","no interest credit card Armenia",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":115},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":117},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":119,"height":119,"rotate":5,"vFlip":7,"hFlip":7,"body":120},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]