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Apply for a credit card 100% online

Apply for a credit card directly through RaiYouth, select the card and the branch where you wish to collect it, and sign the documents electronically.

  • 100% online application in RaiYouth
  • Electronic signature with SMS OTP
Learn more Raiffeisen Youth

Careful! A credit card is a form of loan. Borrowing money costs money! Application and approval are subject to eligibility criteria and the Bank’s assessment.

Fewer procedures, more benefits.

A digital experience designed to make your application as simple and convenient as possible. Choose the credit card you want, follow the steps in the app, and complete the process online.

Online application

Start the application from the “Cards” section in RaiYouth.

Choose according to the need

Zgjidh kartën, limitin e disponueshëm dhe degën e marrjes.

Electronic signature

Read the documents and sign them using the OTP code sent via SMS.

For more information, download the Pre-contractual Information for the Credit Card

Download

Who can apply?

Salary-receiving clients at Raiffeisen Bank

Customers who receive their salary at Raiffeisen Bank can apply for a credit card directly in RaiYouth. The availability of the application and the final decision depend on eligibility criteria and the Bank’s assessment.

Depending on your profile, either a pre-approved offer or the standard application form may appear in the app.

Raiffeisen Youth

Choose the card that suits you best.

Careful! A credit card is a form of loan. Borrowing money costs money!

Discover countless reasons to choose the power of credit cards! Raiffeisen Bank offers several solutions just for you:

POS & Online payments with zero commission
Installment payments with 0% interest
Fast application proccess

For more information, download the Pre-contractual Information for the Credit Card

Download
1998937451

Buy now, pay later!

Experience financial convenience with our standard credit card:

  • 0% commission on POS and online payments
  • Installment payments with 0% interest
  • SmartPay Accessories
  • Up to three additional credit cards
  • Up to 45-day interest-free payment period
  • Real-time balance and transaction verification via the Raiffeisen On digital platform
Get the Standard Credit card Learn more
1998937451

One card for all the needs!

As a Mastercard World credit cardholder, you will enjoy the best benefits on the market.

  • 0% commission on POS and online payments
  • Free access to the Business Lounge at Tirana International Airport
  • One free annual entry to 1,100 airports worldwide (LoungeKey App) and a preferential rate for additional visits
  • FREE 5 x 1GB package plan (3 days) for roaming abroad via Flexiroam
  • Travel Insurance – Health Consultation (Teleshëndet App)
  • Up to three additional credit cards
  • SmartPay Accessories for Free 
Get Mastercard World Card Learn more

Frequently asked questions

In this section, you will find the most frequently asked questions about credit cards.

  • Credit Card applications can be initiated at any branch of the bank.
  • All salary deposit customers at Raiffeisen bank can also apply through the Raiffeisen On Digital Platform.
  • You can complete the online application form on the Web and then the bank will contact you.

The application is made by all individuals who have verifiable income:

  • Salary deposit customers at Raiffeisen Bank
  • Non-salary deposit customers in Raiffeisen Bank
  • Customers with business income
  • Other customers who apply through cash collateral

A one-time activation is required for the credit card, and it is performed through:

  • First purchase and enter credit card PIN.
  • Activation at Raiffeisen Bank ATM by setting the PIN code.
  • Calling the bank at the number indicated on the card.

The respective card limit (credit limit) of your Raiffeisen credit card is shown on your monthly bill. Your Raiffeisen advisor will tell you whether this card limit can possibly be changed.

The credit card limit can be used:

  • Up to 100% of card limit in purchases at points of sale (POS)
  • Up to 100% of card limit for online purchases
  • Up to 100% of card limit for withdrawal in ATM 

  • By contact / Classic: You insert your Raiffeisen credit card into the merchant's internal terminal and confirm your payment via the reader of your chip and PIN.
  • Contactless: You can also make contactless payments with your credit cards from Raiffeisen bank. To do this, hold your credit card near the contactless symbol on the terminal card reader (POS). A green light at the payment terminal, combined with a short signal tone, confirms your payment. 
    Contactless payment limits: 
    -Up to 4,500 Lek without PIN at Raiffeisen Point of sale (POS).
    -Up to 50 Euro/ equivalent without using PIN at the other banks Point of sale (POS) inside and outside the country.
    -The number of contactless transactions without PIN is up to 5 consecutive transactions.
    -If the sum of 150 Euros (equivalent in Lek currency) of consecutive transaction without PIN is exceeded, the transaction will be approved through PIN.
  • Online: Online purchases through the "3D Secure" service, which make the card issued by Raiffeisen Bank very secure. Through this service, you will be contacted via an SMS to your mobile phone number that you have registered in the bank, which will contain the unique 6-digit code with which you will confirm the authorization to make the payment with this card.

You can repay the credit card starting from a monthly minimum of 5% of the total amount spent.

Credit card repayment can be performed through:

  • Raiffeisen On Digital Platform
  • Cash Deposit in ATM

Please note! For the repayment through depositing at the ATM, make sure that you deposit the funds at least two working days before the date set for minimum payment (not later than 19:00 of that day), for it to be considered as repayment of this obligation.

  • In every branch of Raiffeisen bank

  • Notify immediately Raiffeisen Card Service at the following contact numbers: 00355 4 2227 262 for any problem with your debit or credit card, activate, blockage, etc 0800 7777 (fix line)
  • You could report your compliant anytime by filling the form you will find on the following link https://www.raiffeisen.al/alb/about/pages/ankesat/
  • Go to the nearest bank branch to report any misuse of the card

Be careful with rays and magnetic fields: Avoid contact with magnetic fields (such as magnetic switches). Your card should also not be exposed continuously near electronic devices, especially near smartphones.

Proper storage: The card should be stored so that it will not bend or scratch.