NEO Cards Comparison Table
Compare features at a glance.
| Features |
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|
|---|---|---|---|---|
| Card Type | Electronic | Plastic | Plastic | Plastic |
| Local Card Acceptance |  |
|
|
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| Global Card Acceptance | |
|
|
|
| 24/7 Customer Support | |
|
|
|
| ATM Cash Withdrawal | - | |
|
|
| Card Ceiling | 650 USD | 20,000,000 IQD | 15,150 USD | 15,150 USD |
| Local Transaction Fees | Zero | Zero | Zero | Zero |
| Card Usage | Online payments only | ATM withdrawals, POS payments, and Online payments | ATM withdrawals, POS payments, and Online payments | ATM withdrawals, POS payments, and Online payments |
| Card Currency | USD | IQD | USD | USD |
| Transfers Between NEO Cards | From Virtual to Virtual/Classic/ Platinum | 964 Dinar to 964 Dinar | From Classic to Virtual/Classic/Platinum | From Platinum to Virtual/Classic/Platinum |
| Transfer Fee Amongst NEO Cards | 1 USD | 1500 IQD | 1 USD | 1 USD |
| International (Visa) Transaction Fees via ATM | - | 2000 IQD-3500 IQD | 1.5$ to 2.5$ | 1.5$ to 2.5$ |
| International (Visa) Transaction Fees via POS & Online | 0.60$-1.60% | 1000 IQD - 1.60% | 0.60$-1.60% | 0.60$-1.60% |
| Foreign Exchange (FX) Within the CEMEA Region | 2% | 2.8% | 2% | 2% |
| Foreign Exchange (FX) Outside the CEMEA Region | 2.5% | 3% | 2.5% | 2.5% |
| eSIM | - | Support free 3 GB WIFI for fresh subscriptions | 3 GB of Internet for fresh subscribers | Support free 3 GB WIFI for fresh subscriptions |
| Delay Flight or Lost , Damaged Luggage Insurance | - | - | - | 42 USD - 500 USD |
| Avis Car Rental Services | - | - | - | Discount up to 20% |
| Medical Insurance | - | - | - | Capped at 50,000 USD |
| Repatriation Insurance | - | - | - | Capped at 500,000USD |
| Travel Accident Insurance | - | - | - | Capped at 250,000USD |
| VIP Lounges | - | - | - | Cardholders enjoy free access to VIP lounges worldwide, according to the number of visits available through the Visa Airport Companion app |
| Baghdad VIP Lounges | - | - | - | Access to VIP lounges at Baghdad International Airport with a fee 20,000IQD after discount for cardholders. |
| Smart Delay VIP Lounges | - | - | - | If the flight is delayed by more than one hour, the cardholder receives free access to the lounge for themselves plus four guests. |
| Travel Medical Assistance | - | - | - | Provides free 24/7 access to International SOS travel and medical help, including medical advice and travel tips before and during travel |
| Assist & VIP Airport Meet | - | - | - | VIP services include luxury limousine transportation to and from the airport, flower bouquets upon arrival, visa on arrival assistance, among other services. Additionally, there is a 15% discount when paying with the NEO Platinum card. |
| Global Discounts | - | - | - | Exclusive discounts on brands like Google Ads, LinkedIn Ads, Meta Ads. |
| Agoda Hotel Booking | - | - | - | 12% discount on hotel bookings with Visa Platinum card via Agoda website |
| Worldwide Hotel Booking | - | - | - | 15% off on IHG hotels (100+ hotels in Middle East and Africa). Up to 20% off on Jumeirah hotels across UAE, Maldives, Spain, Kuwait, Oman, Bahrain, China |
| Luxury Hotel Services | - | - | - | Free breakfast, room upgrades, late check-outs at 900+ hotels globally |
Virtual Card
964 Dinar Card
Classic Card
Platinum Card
Virtual Card
Features
Card Type
Electronic
Local Card Acceptance
Global Card Acceptance
24/7 Customer Support
ATM Cash Withdrawal
-
Card Ceiling
650 USD
Local Transaction Fees
Zero
Card Usage
Online payments only
Card Currency
USD
Transfers Between NEO Cards
From Virtual to Virtual/Classic/ Platinum
Transfer Fee Amongst NEO Cards
1 USD
International (Visa) Transaction Fees via ATM
-
International (Visa) Transaction Fees via POS & Online
0.60$-1.60%
Foreign Exchange (FX) Within the CEMEA Region
2%
Foreign Exchange (FX) Outside the CEMEA Region
2.5%
eSIM
-
Delay Flight or Lost , Damaged Luggage Insurance
-
Avis Car Rental Services
-
Medical Insurance
-
Repatriation Insurance
-
Travel Accident Insurance
-
VIP Lounges
-
Baghdad VIP Lounges
-
Smart Delay VIP Lounges
-
Travel Medical Assistance
-
Assist & VIP Airport Meet
-
Global Discounts
-
Agoda Hotel Booking
-
Worldwide Hotel Booking
-
Luxury Hotel Services
-
964 Dinar Card
Features
Card Type
Plastic
Local Card Acceptance
Global Card Acceptance
24/7 Customer Support
ATM Cash Withdrawal
Card Ceiling
20,000,000 IQD
Local Transaction Fees
Zero
Card Usage
ATM withdrawals, POS payments, and Online payments
Card Currency
IQD
Transfers Between NEO Cards
964 Dinar to 964 Dinar
Transfer Fee Amongst NEO Cards
1500 IQD
International (Visa) Transaction Fees via ATM
2000 IQD-3500 IQD
International (Visa) Transaction Fees via POS & Online
1000 IQD - 1.60%
Foreign Exchange (FX) Within the CEMEA Region
2.8%
Foreign Exchange (FX) Outside the CEMEA Region
3%
eSIM
Support free 3 GB WIFI for fresh subscriptions
Delay Flight or Lost , Damaged Luggage Insurance
-
Avis Car Rental Services
-
Medical Insurance
-
Repatriation Insurance
-
Travel Accident Insurance
-
VIP Lounges
-
Baghdad VIP Lounges
-
Smart Delay VIP Lounges
-
Travel Medical Assistance
-
Assist & VIP Airport Meet
-
Global Discounts
-
Agoda Hotel Booking
-
Worldwide Hotel Booking
-
Luxury Hotel Services
-
Classic Card
Features
Card Type
Plastic
Local Card Acceptance
Global Card Acceptance
24/7 Customer Support
ATM Cash Withdrawal
Card Ceiling
15,150 USD
Local Transaction Fees
Zero
Card Usage
ATM withdrawals, POS payments, and Online payments
Card Currency
USD
Transfers Between NEO Cards
From Classic to Virtual/Classic/Platinum
Transfer Fee Amongst NEO Cards
1 USD
International (Visa) Transaction Fees via ATM
1.5$ to 2.5$
International (Visa) Transaction Fees via POS & Online
0.60$-1.60%
Foreign Exchange (FX) Within the CEMEA Region
2%
Foreign Exchange (FX) Outside the CEMEA Region
2.5%
eSIM
3 GB of Internet for fresh subscribers
Delay Flight or Lost , Damaged Luggage Insurance
-
Avis Car Rental Services
-
Medical Insurance
-
Repatriation Insurance
-
Travel Accident Insurance
-
VIP Lounges
-
Baghdad VIP Lounges
-
Smart Delay VIP Lounges
-
Travel Medical Assistance
-
Assist & VIP Airport Meet
-
Global Discounts
-
Agoda Hotel Booking
-
Worldwide Hotel Booking
-
Luxury Hotel Services
-
Platinum Card
Features
Card Type
Plastic
Local Card Acceptance
Global Card Acceptance
24/7 Customer Support
ATM Cash Withdrawal
Card Ceiling
15,150 USD
Local Transaction Fees
Zero
Card Usage
ATM withdrawals, POS payments, and Online payments
Card Currency
USD
Transfers Between NEO Cards
From Platinum to Virtual/Classic/Platinum
Transfer Fee Amongst NEO Cards
1 USD
International (Visa) Transaction Fees via ATM
1.5$ to 2.5$
International (Visa) Transaction Fees via POS & Online
0.60$-1.60%
Foreign Exchange (FX) Within the CEMEA Region
2%
Foreign Exchange (FX) Outside the CEMEA Region
2.5%
eSIM
Support free 3 GB WIFI for fresh subscriptions
Delay Flight or Lost , Damaged Luggage Insurance
42 USD - 500 USD
Avis Car Rental Services
Discount up to 20%
Medical Insurance
Capped at 50,000 USD
Repatriation Insurance
Capped at 500,000USD
Travel Accident Insurance
Capped at 250,000USD
VIP Lounges
Cardholders enjoy free access to VIP lounges worldwide, according to the number of visits available through the Visa Airport Companion app
Baghdad VIP Lounges
Access to VIP lounges at Baghdad International Airport with a fee 20,000IQD after discount for cardholders.
Smart Delay VIP Lounges
If the flight is delayed by more than one hour, the cardholder receives free access to the lounge for themselves plus four guests.
Travel Medical Assistance
Provides free 24/7 access to International SOS travel and medical help, including medical advice and travel tips before and during travel
Assist & VIP Airport Meet
VIP services include luxury limousine transportation to and from the airport, flower bouquets upon arrival, visa on arrival assistance, among other services. Additionally, there is a 15% discount when paying with the NEO Platinum card.
Global Discounts
Exclusive discounts on brands like Google Ads, LinkedIn Ads, Meta Ads.
Agoda Hotel Booking
12% discount on hotel bookings with Visa Platinum card via Agoda website
Worldwide Hotel Booking
15% off on IHG hotels (100+ hotels in Middle East and Africa). Up to 20% off on Jumeirah hotels across UAE, Maldives, Spain, Kuwait, Oman, Bahrain, China
Luxury Hotel Services
Free breakfast, room upgrades, late check-outs at 900+ hotels globally