✅ The TBC Concept Card provides a flexible credit limit that can reach up to ₾20,000
✅ Accepted internationally and locally
✅ Enjoy up to 45 days interest-free
✅ Premium benefits and lifestyle privileges
Why do we strongly recommend the TBC Concept Card?
The TBC Concept Card stands out as one of the most sophisticated and rewarding financial products available in Georgia today. It’s issued by TBC Bank, a leading financial institution in the region with a reputation for innovation, trust, and customer service excellence. TBC has consistently ranked among the top banks in Georgia, with digital-first strategies and tailored customer experiences.
The card itself is a strategic tool for managing both short-term and long-term personal finances. Its high credit limit, international coverage, and flexible repayment options make it highly attractive for professionals, frequent travelers, and individuals who value financial independence.
What makes this card even more appealing is its integration with TBC Concept Spaces—premium banking hubs located in Tbilisi and Batumi. Here, clients receive dedicated service, access to investment advisors, and an environment tailored to ambitious, forward-thinking individuals.
In a country where credit card use is growing fast, particularly among young professionals and digital nomads, the TBC Concept Card offers a blend of luxury, functionality, and financial empowerment. It reflects the evolving needs of the Georgian consumer in a modern economy.
Author’s opinion: A practical and financial analysis of the TBC Concept Card
From a financial planning perspective, the TBC Concept Card is exceptionally well-designed. Its 45-day interest-free period allows smart users to rotate spending without additional costs—as long as balances are paid in full by the due date. This is an excellent feature for those who manage their budgets closely and want to avoid traditional credit loan interest.
The annual interest rate, which ranges between 18% and 24% after the grace period, is competitive in the Georgian market, especially when compared to smaller or lesser-known financial institutions. For cardholders who require longer payment terms, this rate is within a healthy range if used responsibly.
Another notable point is the added value of the Concept Concierge Service, which helps organize everything from travel arrangements to restaurant reservations—saving time and elevating the customer experience. The card also includes insurance coverage, contactless payments, and fraud protection, making it a secure choice for both local and international use.
In a modern financial landscape where convenience and benefits go hand in hand, the TBC Concept Card checks every box. Whether you’re focused on building credit, optimizing cash flow, or enjoying lifestyle perks, this card is a reliable partner.
Learn more: Key facts about the TBC Concept Card!
Ready to take the next step and apply for your TBC Concept Card? Want to understand the full breakdown of annual fees, eligibility criteria, and how to submit your application online or in a TBC Concept branch?
We’ve prepared a complete guide with everything you need to know—fees, requirements, timelines, and step-by-step instructions.