Credit card on your phone.
0 issuance fee. 0 annual maintenance fee.
Apply and use it directly from the app.
Make sure you are fully informed before making a decision.
Flexible credit, full control
A virtual Mastercard in ALL or EUR, designed to give you simple access to credit, transparent costs and full control directly from the Jet Bank app.
Virtual from day one
Apply and use it from your phone.
0 Fee
No issuance fee, no annual maintenance fee.
Pay with no fees
At POS and online, anywhere in the world.
Minimum payment 5%
+ 100% of fees/interest/penalties.
Revolving credit limit
Repay, and the limit is yours again.
Starting from 100 EUR
Credit limit starting from 100 EUR.
One card.
Endless possibilities.
No annual maintenance fee
Choose your credit card in ALL or EUR and enjoy zero annual maintenance fees. Manage it easily through the Jet Bank app.
Shop online with no payment fees
From subscriptions to purchases at your favourite online stores, pay with your Jet Bank credit card wherever Mastercard is accepted, with no payment fees.
A card that travels with you
Take the flexibility of your credit card on your next trip. Pay at POS terminals outside Albania with no payment fees. Currency conversion terms apply to transactions in a currency other than your card currency.
Enjoy an interest-free period
Make your purchases and repay your statement balance in full by the payment due date to benefit from the interest-free period, subject to the agreement.
Security and control in your hands
Track your transactions and amounts due in the app. Adjust transaction limits, manage your PIN, and block or unblock your card directly through the Jet Bank app.
Everything you need to know
Review the main credit limit, interest, repayment and cash withdrawal conditions for your Jet Bank credit card.
Up to ALL 4,000,000
Or EUR 40,000, up to 3 net salaries
20% annual interest
Zero interest if you pay in full on time.
5% of the principal
+ interest and fees, by the 15th of the month.
up to 10% of the limit
per month · 2% fee, min. ALL 500 / EUR 5
Credit Card Example
Card limit: 1,000,000 LEK
Example period: 01.09.2026 – 15.09.2027
Interest: The annual interest rate is 20%. Interest is calculated daily on the unpaid principal, based on a 365-day year.
For a limit of 1,000,000 LEK, fully utilized on 01.09.2026, with no other transactions and no fees or penalties, the APR (Annual Percentage Rate / NEI) is 21.76%. The APR expresses the total cost of the credit as an annual percentage, including interest and mandatory expenses.
Monthly repayment: From 15.10.2026 to 15.08.2027, the cardholder pays each month 5% of the unpaid principal and all invoiced interest.
Final repayment: On 15.09.2027, the remaining principal and interest calculated up to that date are fully settled.
Fees and penalties: In this example, no fees or penalties apply.
Total amount payable: 1,160,780.45 LEK, which includes:
Principal: 1,000,000 LEK
Total interest: 160,780.45 LEK
Fees and penalties: 0 LEK
*The example is illustrative and based on the above assumptions. The actual cost depends on card usage and obligation settlements.
Simple, transparent pricing
See the fees, limits and key rates for your Jet Bank credit card in ALL or EUR.
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Open your free Jet Bank account
100% online. Open in minutes and manage your everyday banking directly from your phone.
Start Your Jet Bank Journey
Complete the form below and we will help you get started with Jet Bank. We just need a few pieces of information and you are good to go.
Credit Card FAQs
Everything you need to know about the Jet Bank Credit Card
To apply for the Jet Credit Card, you must meet the following criteria:
- Be over 18 years old.
- Be a resident of Albania.
- Have a minimum monthly gross salary of 50,000 ALL.
- Have at least 3 officially documented salary payments.
You may qualify for a credit limit of up to three times your declared net monthly salary, capped at:
• ALL 4,000,000
• EUR 40,000
Your approved limit depends on your income, ability to repay, existing financial obligations and the Bank’s lending criteria. The Bank may approve a lower limit than the amount requested.
Apply directly through the Jet Bank app by selecting your preferred currency and credit limit. You can apply in ALL or EUR even if you do not have a current account in the corresponding currency.
Once approved, sign the documents electronically and activate your card in the app.
Each month, you can repay your balance in full or pay at least the Minimum Payment by the 15th of the following month.
The minimum payment is 5% of the amount borrowed and still unpaid, plus billed interest and charges.
You can find the amount payable and the payment due date in your monthly statement in the app.
Find information about the interest rate, interest-free period, fees and conditions for using your card. Review the documents below for full details of the costs and terms before applying.
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