Viva, Amio bank, and Mastercard: use your digital card every day and pay nothing for mobile services

Viva and Amio bank are introducing a new offer that allows Viva subscribers to use telecommunications services without paying a monthly fee — provided they meet the offer's conditions — by using an  Amio-Viva Mastercard Digital card for their daily purchases and payments. The offer is valid from 10 September 2026, through 31 March 2027, inclusive.

Subscribers of Viva’s "START", "START+", "Sun", "Sun Regional", "UNLIM", "UNLIM Basic", "X", "Y", and "VOXI" prepaid tariff plans, as well as "UNLIM", "UNLIM Basic", "X", and "Y" postpaid tariff plans, are eligible for this offer.

After receiving the card, the payment for the selected tariff plan will be covered by Amio bank. The bank will also cover the payment for subsequent months if:

• at least 20 transactions—each amounting to a minimum of AMD 1 000—were made using the  Amio-Viva Mastercard Digital card during the preceding 30 days, or
• the total value of cashless transactions exceeded AMD 50 000 during the preceding 30 days.

To take advantage of the offer, you need to activate the Amio-Viva Digital Mastercard through the "My Viva" app.

"We view our mission as creating new value for customers and the residents of Armenia. Customer economics is becoming a key driver of value creation. Our goal is to develop products that transform everyday activities into sources of additional value for the individual. Together with Amio bank and Mastercard, we are building precisely such a model: a person's daily financial activity begins to yield benefits in a completely different area of ​​life. This offer is a prime example of that approach. Customers continue their normal lives—using telecommunications services and making routine payments—while the entire ecosystem begins to work more effectively for their benefit.

For me, this is the true transformation: not just another discount, bonus, or marketing gift, but a new logic of consumption. We want Viva to be associated not only with superior connectivity but also with the ability to find new ways to make the customer's life simpler and more cost-effective.

That is precisely why I believe the future of telecommunications is no longer just about connectivity. It is about the ability to bring together various sectors around the individual's interests," noted Armen Avetisian, General Director of Viva.

"It is important for us to create banking solutions that not only simplify customers' daily financial transactions but also offer additional, tangible benefits. This partnership with Viva reflects precisely that approach: customers make their daily payments using an Amio-Viva Mastercard Digital card and, in return, gain the opportunity to avoid paying for telecommunications services.

Through this collaboration, we also continue to expand the accessibility of our digital services and create a more convenient and beneficial banking experience for our customers," noted Arsen Melkonyan, Director of Corporate Business and Board Member at Amio bank.

"At Mastercard, we believe that digital payments should not only simplify daily life but also create real value for customers. This partnership with Viva and Amio bank combines the best of telecommunications and financial services, offering a more convenient, secure, and rewarding experience. We are pleased to support this initiative and continue fostering the development of digital payments and innovative solutions in Armenia," said David Zgudadze, Vice President and Regional Director in Armenia and Georgia at Mastercard.

A memorandum of cooperation has been signed between the companies implementing the project.