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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":93,"banners":110,"seo":119},127,"Profitable Promotions in Armenian Banks in December 2025","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">In December 2025, Armenian banks introduced several promotional offers for their new and existing clients. These include beneficial cards with no service fees, cashback for travel and daily expenses, bonuses for students, as well as high-yield deposits.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">We have gathered all the current offers and analyzed their advantages compared to previous terms. If you are interested in other offers, on \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(17, 85, 204);\">AFM\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> you can compare bank offers, loans, deposits, and other banking products yourself and choose the most profitable one for you.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What promotions are valid in December 2025?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to consider:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Visa Digital does not offer welcome bonuses or cashback, but it compensates for this with interest on the balance. There is no physical card, but for those accustomed to digital solutions, this is more of a convenience than a limitation.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fast Bank has taken a step towards fully digital banking: it has eliminated commissions, added a savings function and multi-currency support, making Visa Digital a modern and flexible tool for everyday finances.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong>1․ 50% Discount on Evocabank's Mastercard and Travel Card Service Fees\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Evocabank offers clients the opportunity to obtain selected cards at a reduced price - a 50% discount applies to several cards until December 31.\u003C\u002Fp>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cstrong>Card\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong>Old Price\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong>New Price (–50%)\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">Mastercard Gold\u003C\u002Ftd>\u003Ctd data-row=\"2\">AMD 15,000\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cstrong>AMD 7,500\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">Mastercard Standard\u003C\u002Ftd>\u003Ctd data-row=\"3\">AMD 5,000\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cstrong>AMD 2,500\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">Evoca Travel Card\u003C\u002Ftd>\u003Ctd data-row=\"4\">AMD 16,000\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cstrong>AMD 8,000\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>This offer is available for all new cardholders. Cards can be issued at any Evocabank branch or online, depending on the card type.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>What to consider:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The reduced price applies to the first year of service.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Cashback, limits, and services remain standard.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">2.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fameriabank.am\u002Fen\u002Fmedia-room\u002Farticleid\u002F8949\u002Fspecial_offer_for_visa_student_cardholders\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(17, 85, 204);\">Special Offer for Visa Student Card\u003C\u002Fa>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A promotion for students, valid from September 1 to December 31, 2025. The bank offers a generous 5% cashback for non-cash payments in Armenia and abroad, free cash withdrawals from any ATM up to 100,000 drams per month, and 100% cashback for the first 10 trips on public transport. A welcome bonus of 5,000 drams is provided upon account opening.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">This card is specifically designed for students: it combines several benefits, from free cash withdrawals to continuous cashback. The welcome bonus makes starting to use the card even more pleasant.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is important to know:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Cashback is accrued within a set limit of up to 10,000 drams per month, and participation in the promotion is only available to students – you need to confirm your student status. Nevertheless, compared to previous student cards without bonuses, this package has become noticeably more beneficial and modern.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong>3. \u003Ca href=\"https:\u002F\u002Fwww.amiobank.am\u002Fen\u002Fnews\u002F304\" rel=\"noopener noreferrer\" target=\"_blank\">Mastercard World at 50% Off from AMIO Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>AMIO Bank introduced its new premium Mastercard World, now available at a discounted price. Until February 28, 2026, the card can be issued with a 50% discount — for just 9,000 AMD.\u003C\u002Fp>\u003Cp>The card combines Mastercard privileges with AMIO Bank bonuses, making it especially attractive for travelers and everyday spending.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key Mastercard World benefits:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free access to airport business lounges + guest access.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Fast Track at airports (also with guest access).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Concierge service — assistance with bookings, travel, and personal requests.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free Internet roaming.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cstrong>Additional bonus:\u003C\u002Fstrong> all new AMIO Bank cardholders continue to receive 5% monthly cashback under the promotion launched on July 1.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The discounted price applies until February 28, 2026.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Privileges include both Mastercard services and bank bonuses.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>5% cashback is available for all new AMIO Bank cardholders.\u003C\u002Fli>\u003C\u002Fol>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">4. \u003C\u002Fstrong>\u003Cstrong style=\"background-color: transparent; color: rgb(17, 85, 204);\">\u003Ca href=\"https:\u002F\u002Fameriabank.am\u002Fen\u002Fmedia-room\u002Farticleid\u002F8953\u002Farcapay-anvchar-pokhancumner\" rel=\"noopener noreferrer\" target=\"_blank\">Free ArcaPay Transfers from Ameriabank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A promotion that allows clients to send money by phone number without a commission. From September 1 to December 31, 2025, transfers via the MyAmeria system are available free of charge between clients of the participating banks of the ArcaPay payment system, including Converse Bank, Evocabank, Ardshinbank, AMIO Bank, Byblos Bank Armenia, Artsakhbank, Armswissbank, and AraratBank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Now it's easier to transfer money: you just need to know the recipient's phone number, without account details or additional data. This is a convenient and fast solution for everyday transfers, especially if your friends or relatives use different banks.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is important to know:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> The promotion is only valid for Ameriabank clients and will last until the end of 2025. However, within its framework, the bank for the first time made interbank transfers by phone number free of charge – a step that significantly simplifies transactions and saves on commissions.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">5. \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.amiobank.am\u002Fen\u002Fnews\u002F281\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(17, 85, 204);\">5% Cashback for AMIO Bank Cardholders\u003C\u002Fa>\u003C\u002Fh3>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A long-term promotion that started on July 1, 2025, and continues to this day. New clients who issue any bank card receive 5% cashback for online and non-cash purchases both in Armenia and abroad. The maximum return amount is up to 20,000 drams per month.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Both new and existing clients can participate if they do not yet have a card. Cashback is accrued monthly, which makes the promotion especially beneficial for those who actively use non-cash payments.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to consider:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> The cashback amount is limited, and some operations, for example, transfers between cards or top-ups of electronic wallets, do not participate in the program. However, unlike the offers of other banks where cashback is only valid for certain categories, such as supermarkets or gas stations, at AMIO it is accrued for most purchases, which makes the promotion universal and simple.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Previously, cashback at AMIO Bank was only offered on premium cards, and now this advantage is available to all new clients.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fwww.acba.am\u002Fen\u002Findividuals\u002Fspecial-offers\u002Famex-cashback-offer-cleanhouse\" rel=\"noopener noreferrer\" target=\"_blank\">6. 1% + 5% Cashback with the Amex Cashback Card from ACBA Bank at Clean House\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>From August 15 to December 31, 2025, holders of the Amex Cashback card from ACBA Bank receive an additional bonus when shopping at Clean House stores. On top of the standard 1% cashback, the bank adds another 5%, making a total of 6% cashback — an especially attractive offer for everyday purchases of household and personal care products.\u003C\u002Fp>\u003Cp>The promotion is valid in all Clean House stores and applies to the entire assortment, with no category restrictions.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The extra 5% cashback is added on top of the standard 1%, bringing the total to 6%.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The offer is valid until December 31, 2025.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The promotion applies only to payments made in physical Clean House stores.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The increased cashback is available exclusively for Amex Cashback cardholders — other ACBA Bank cards are not eligible.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>\u003Ca href=\"https:\u002F\u002Fwww.acba.am\u002Fen\u002Findividuals\u002Fspecial-offers\u002Foffer-China-UnionPay\" rel=\"noopener noreferrer\" target=\"_blank\">7. 1% Cashback for UPI Gold and UPI Business Card Payments in China from ACBA Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>ACBA Bank has launched an exclusive offer for holders of China UnionPay cards — UPI Gold and UPI Business. Until December 31, 2025, cardholders receive 1% cashback on any purchases made within China, including payments on major Chinese online platforms.\u003C\u002Fp>\u003Cp>The offer applies both to in-store purchases and payments made on popular marketplaces such as Pinduoduo, Taobao, JD, and other platforms that support UnionPay payments.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>This promotion is especially useful for those who frequently shop on Chinese e-commerce sites or travel to China for business or leisure.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The increased cashback applies only to ACBA Bank’s UPI Gold and UPI Business cards.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The program includes two types of transactions:\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan> • offline purchases across China,\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan> • online payments on Chinese marketplaces (Taobao, JD, Pinduoduo, etc.).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The offer is valid until December 31, 2025.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Cashback is granted on all purchases processed through the UnionPay network.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Who will benefit:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Clients who regularly shop on Chinese marketplaces.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Travelers and those visiting China for business.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Small business owners purchasing goods directly from China.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>8. \u003Ca href=\"https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Fnews\u002Ffast-bank-free-visa-gold-akncard-for-students-armenia\" rel=\"noopener noreferrer\" target=\"_blank\">Free Visa Gold AknCard for Students from Fast Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Fast Bank offers students the opportunity to get a Visa Gold AknCard with no annual fee. The card combines premium status with useful benefits: a 15% discount at KinoPark via the Yerevan Mall app, up to 7% cashback on Booking.com, and regularly updated partner offers.\u003C\u002Fp>\u003Cp>The card supports four currencies (AMD, USD, EUR, RUB), is valid for 5 years, and also functions as a savings account with an interest rate of up to 5% per year.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Students can apply in any 24\u002F7 Fast Bank branch, and free delivery is available within Yerevan. A student ID is required.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free service for students.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Up to 5% annual interest on balance.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Partner discounts (KinoPark, Booking.com, etc.).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Multi-currency card with a long validity period.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong>9. \u003Ca href=\"https:\u002F\u002Fwww.araratbank.am\u002Fen\u002Fspecial-offers\u002Fpromotions\u002F76\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">5% Discount at FLASH Gas Stations with AraratBank Cards\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>AraratBank offers a permanent benefit for drivers: when paying for fuel at FLASH gas stations, cardholders receive a 5% discount starting from 1 liter.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>The offer applies to all AraratBank cards: ArCa, Mastercard, Visa, Diners Club International.\u003C\u002Fp>\u003Cp>The full list of FLASH fuel stations is available on the company’s official website.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The discount is applied instantly at checkout.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Minimum purchase — 1 liter.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The offer is valid at all FLASH gas stations listed officially.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>10. \u003Ca href=\"https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Fspecial-offers\u002Ffree-arca-classic-card-for-those-making-international-transfers\" rel=\"noopener noreferrer\" target=\"_blank\">Free ArCa Classic Card for Clients Making International Transfers from Fast Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Fast Bank offers a free ArCa Classic AknCard to all clients who have made at least one international transfer via fast money transfer systems.\u003C\u002Fp>\u003Cp>One card can be issued free of charge under this offer. All other service terms follow the bank’s tariff plan.\u003C\u002Fp>\u003Cp>The card can be obtained at any 24\u002F7 Fast Bank branch.\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>11. \u003Ca href=\"https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Fspecial-offers\u002Ffree-visa-gold-card-for-mortgage-borrowers\" rel=\"noopener noreferrer\" target=\"_blank\">Free Visa Gold or ArCa Classic Card for Fast Bank Mortgage Borrowers\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Clients with an active Fast Bank mortgage (including co-borrowers) can receive a Visa Gold or ArCa Classic AknCard free of charge for the entire mortgage term.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Eligibility requires no overdue obligations at the moment of application. One free card can be issued under the program; other service terms follow the bank’s tariffs.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Applications can be submitted in Fast Bank’s 24\u002F7 branches.\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>12. \u003Ca href=\"https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Fspecial-offers\u002Ffree-arca-classic-for-gold-loan-borrowers\" rel=\"noopener noreferrer\" target=\"_blank\">Free ArCa Classic Card for Gold-Backed Loan Borrowers from Fast Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Clients with an active gold-backed loan from Fast Bank can receive a free ArCa Classic AknCard for the entire loan period, provided there is no overdue debt.\u003C\u002Fp>\u003Cp>One card can be issued for free per client. Other service terms follow the bank’s tariff plan.\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>13. \u003Ca href=\"https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen\u002Fcard\u002Fdigital\u002Fmastercard-digital\" rel=\"noopener noreferrer\" target=\"_blank\">Free Digital Mastercard for New Clients of Byblos Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Byblos Bank offers all new clients a free digital Mastercard. The card can be issued online, without visiting a branch, and used for everyday payments, online shopping, and services that support Mastercard.\u003C\u002Fp>\u003Cp>The digital card comes with no service fee, making it a convenient option for those who prefer fully online banking.\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>14. \u003Ca href=\"https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen\u002Fcard\u002Fdigital\u002Fmastercard-digital\" rel=\"noopener noreferrer\" target=\"_blank\">Prize Draw for Mastercard Holders ftom Byblos Bank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Byblos Bank has launched a major promotion for Mastercard holders. Participants can win valuable prizes:\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>4 trips to the Maldives (for two, 7 nights, flights, meals 3 times a day, transfer)\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>4 MacBook Air laptops\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>4 iPhone 17 smartphones\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>To participate, cardholders must make purchases totaling at least 1,500,000 AMD between August 25 and December 31, 2025.\u003C\u002Fp>\u003Cp>The promotion is valid for all Mastercard cards issued by Byblos Bank.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong>15. \u003Ca href=\"https:\u002F\u002Foffers.inecobank.am\u002Fen\u002Fblack-friday#_gl=1*1a9170l*_gcl_au*MjMzNjQ3MDkxLjE3NTY3MjU2NDg.\" rel=\"noopener noreferrer\" target=\"_blank\">25% Cashback on Mastercard Payments from Inecobank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Until December 6, Inecobank is running a large-scale promotion: pay with any Mastercard issued by the bank in one of 15 selected online stores and receive \u003Cstrong>25% cashback\u003C\u002Fstrong> (up to 25,000 AMD).\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Participating brands include:\u003C\u002Fp>\u003Cp>Adidas, Nike, Asos, Carters, Sephora, Shein, iHerb\u003C\u002Fp>\u003Cp>Air France, Qatar Airways, Wizz Air\u003C\u002Fp>\u003Cp>Amazon, Wildberries, Temu, Ozon, AliExpress\u003C\u002Fp>\u003Cp>Cashback is automatically credited for online payments made with Mastercard Standard, Gold, or Black Edition.\u003C\u002Fp>\u003Cp>Additionally, until December 6, new Mastercard Standard cards are issued free of charge.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Maximum cashback: 25,000 AMD.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>25% applies to most brands; Amazon, Wildberries, Temu, and Ozon offer 10%.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Only online purchases are eligible.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Promotion valid until December 6 inclusive.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Best for:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Clients planning purchases in international online stores.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Travelers (cashback applies to airfare as well).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>New Mastercard customers — issuance of Standard is temporarily free.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>16. \u003Ca href=\"https:\u002F\u002Foffers.inecobank.am\u002Fen\u002Fsalary-project#_gl=1*1a9170l*_gcl_au*MjMzNjQ3MDkxLjE3NTY3MjU2NDg.\" rel=\"noopener noreferrer\" target=\"_blank\">Free Gold Salary Cards from Inecobank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Salary clients of Inecobank can receive a free Visa Gold or Mastercard Gold with no annual fee and no additional charges. Besides the premium card itself, holders gain access to exclusive benefits.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Main advantages:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Preferential loans from 16% — consumer loans and credit lines at reduced rates (nominal 16–18%, effective 17.28–19.64%).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free SMS notifications for all transactions above 1,000 AMD.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free cash withdrawals at Inecobank ATMs and up to 100,000 AMD at ARCA ATMs.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Access to special offers and discounts for Gold salary cardholders.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Visa Gold or Mastercard Gold is provided completely free of charge.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Preferential loan rates apply only to salary clients.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free notifications and extended cash withdrawal limits.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Additional bank bonuses and partner discounts available.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch3>\u003Cstrong>17. \u003Ca href=\"https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Fcards\u002Fashxatavardzayin-patet\" rel=\"noopener noreferrer\" target=\"_blank\">Free Guru Salary Cards from Armeconombank\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>Armeconombank offers advantageous conditions for clients receiving their salary on Guru cards. Depending on the monthly salary amount, the client can obtain one of several cards free of charge.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Categories of free cards:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cstrong>Net salary up to 499,000 AMD:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Visa Classic, Mastercard Standard, ArCa Classic\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Net salary from 500,000 AMD:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Visa Classic, Mastercard Standard, ArCa Classic, Visa Gold, Mastercard Gold\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Net salary from 1,000,000 AMD:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Visa Classic, Mastercard Standard, ArCa Classic, Visa Gold, Mastercard Gold, Visa Platinum\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Service is free within the salary project if the client’s net salary meets the required thresholds.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>Key things to know:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Free service applies only to Guru salary cards.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Card type depends on monthly salary level.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>The card is selected once within the salary program.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Summary and Recommendations\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">December 2025 has been one of the most profitable months for clients of Armenian banks, as several promotions make the use of cards and deposits more beneficial. Banks are competing with bonuses, cashback offers, and rates, which means users have a chance to choose the optimal product for their needs.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to choose for you:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">For convenience and digital solutions\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – consider the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Visa Digital from Fast Bank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. This card, with no fees or physical plastic, combines the functions of a debit and savings account, accruing up to 5% per annum on the balance.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you are a student\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – choose the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Visa Student\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> card. Its 5% cashback, free cash withdrawals, and a welcome bonus of 5,000 drams make it the best offer of the autumn.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you want to earn in foreign currency\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">deposit from AMIO Bank at 6%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> per annum will be an excellent solution. The rate is above the market average, and you can receive interest regularly.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you frequently transfer money to friends and family\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">ArcaPay promotion from Ameriabank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> allows you to make transfers by phone number without a commission until the end of the year.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you actively pay for online purchases\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – take advantage of the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">5% cashback on AMIO Bank cards\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. This offer is ongoing and is also suitable for new clients.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Overall, in 2025, Armenian banks are focusing on digital products, simplicity, and real benefits for users. Use this period to update your card, open a deposit, or connect to a new offer.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Tips from AFM:\u003C\u002Fstrong>\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);\">Compare terms not only by rates and cashback but also by the duration of promotions.\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);\">Check the limits and categories for which bonuses are accrued.\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);\">Choose products that match your habits—this way, the benefit will be maximized.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Select suitable promotions and financial products on \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(17, 85, 204);\">AFM\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> – compare the offers of Armenian banks and find what truly works in your favor.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F35e2bde6-57fe-4aee-8b31-af473b5a8687.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F35e2bde6-57fe-4aee-8b31-af473b5a8687.webp","Freepik",null,"2025-10-13 14:50:00",6198,{"title":66,"slug":67},"Journal","journal",[69,72,75,78,81,84,87,90],{"title":70,"slug":71},"Financial News","financial-news",{"title":73,"slug":74},"Debit Cards","debit-cards",{"title":76,"slug":77},"Deposits","deposits",{"title":79,"slug":80},"Acba Bank","acba-bank",{"title":82,"slug":83},"Ameriabank","ameriabank",{"title":85,"slug":86},"AMIO Bank","amio-bank",{"title":88,"slug":89},"Fast Bank","fast-bank",{"title":91,"slug":92},"Payments and transfers","payments-and-transfers",{"first_name":94,"last_name":95,"full_name":96,"avatar":97,"email":98,"slug":99,"company":100,"phone":62,"title":101,"description":102,"position":103,"position_description":104,"social_links":105},"Saty","Avagyan","Saty Avagyan","\u002Fcontent\u002Fuploads\u002Favatars\u002Fe5bf46158b2222c21e51fcf6ac6ebd5f.webp","content.creation.05@gmail.com","saty-avagyan","AFM","About the author","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A content and content strategy specialist with over 7 years of experience working with leading Armenian and international companies. She has collaborated with major Armenian banks and financial products, and since early 2024 has been an author at AFM, responsible for creating analytical and up-to-date content that is valuable for both readers and search engines and AI systems.\u003C\u002Fspan>\u003C\u002Fp>","Head of Content Marketing and Author of Articles and News at AFM","\u003Cp>Responsible for all content across the website from quality standards to the creation and updating of materials.\u003C\u002Fp>",[106],{"name":107,"link":108,"status":109},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fsaty-avagyan-642028274\u002F",1,[111],{"id":112,"image_desktop":113,"image_tablet":114,"image_mobile":115,"is_centered":7,"is_dark":7,"title":116,"description":117,"url":118},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":120,"description":121,"keywords":122},"December 2025 Bank Promotions in Armenia | Cards, Cashback, High-Yield Deposits","Discover Armenia’s December 2025 bank promotions: fee-free cards, 5 % cashback, high-interest dollar deposits, student bonuses. Compare offers on AFM.",[],{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":124},"\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":126},"\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":128,"height":128,"rotate":5,"vFlip":7,"hFlip":7,"body":129},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>"]