- Georgia Today

Make Every Payment Work Harder for You with TBC Loyal Credit Card

Pay with your TBC Loyal Card wherever you already spend daily — and earn even more cashback.

If you cover your everyday expenses — morning coffee, lunch, weekly fuel, or groceries — with a debit card, you might not know that at over 4,000 partner locations you can switch to the TBC Loyal Credit Card and turn every transaction into higher cashback. And it’s incredibly easy: you can get approved and receive your card in just 1–2 minutes directly in Mobile Banking, without visiting a branch. You can add it to your digital wallet and start using your limit instantly.

So, what is a credit card?

A credit card is a simple financial tool that lets you buy what you need now and pay for it later. When used responsibly, you can think of it as a short-term, interest-free loan. It helps you manage expenses and monthly budgeting without stress: you don’t have to spend your salary the moment it arrives — you can use it later to cover your credit balance.

Why choose the TBC Loyal Credit Card?

The Loyal Card gives you financial freedom — you can use your credit limit anywhere: shop in-store, withdraw cash, or transfer money, as many times as you need. The principle is simple: use, repay, and the funds become available again.

And the best part — you get money back when you spend. At over 4,000 partner locations, you earn up to 12% cashback, one of the highest rates available. Whether you spend more on groceries, clothing, entertainment, or fuel, partner locations cover all your needs. You’ll also regularly get access to special cashback deals up to 50% at selected partners.

Most importantly, for one month after getting the card, you receive an additional 25 days to repay the full used amount with no annual interest charged.

A simple trick to manage your salary better with the Loyal Card

To maximize your benefits, plan your monthly expenses in advance and keep that amount in your salary account. For your daily purchases, pay with the Loyal Card instead. At the end of the month, use the saved salary to repay the credit balance — this way, you enjoy both the grace period and the extra cashback accumulated throughout the month.

And even if you don’t have extra money set aside at the beginning of the month, you can still use the credit card for everyday purchases and repay the balance once your salary arrives.

Get your Loyal Card in just 2–3 minutes and turn every payment into extra value at more than 4,000 locations.

Invite Friends to TBC Mobile Bank and Earn Rewards Every Time

Invite your friends to TBC Mobile Bank and receive a reward each time.

“Invite a Friend” is a new TBC Mobile Bank program that gives everyone — including influencers and content creators — the opportunity to earn extra money as a gift.

It’s all very simple: within the program, you share your personal invitation link with a friend, and once the process is successfully completed, both of you receive a 15 GEL reward.

Let’s break it down:

The entire invitation process happens inside the mobile bank. You’ll find your unique referral link in your profile, which you can share through any channel. The important part is that the new user must start their registration through this link.

Once your friend opens their account, they only need to complete two required steps to finish the process:

After these steps are completed, both of your accounts will instantly receive a 15 GEL reward.

Remember — there is no limit to how many people you can invite. You can share your link with every friend who doesn’t yet have TBC Mobile Bank and a TBC card.

If you want to earn extra income without leaving home, this opportunity is not to be missed.

Open your TBC Mobile Bank and start inviting your friends today.

TBC Concept Presents the Winter Season of “Sakhelosno 42” Theatre

Theatre “Sakhelosno 42,” supported by TBC Concept and Visa, opens its winter season with a lineup of beloved productions.
The independent theatrical space founded by Levan Tsuladze invites audiences to unforgettable performances starting in December. Tickets for Amarcord, Miss Julie, The Conductor, Gas Station, and other shows are now available at the link.
Holders of TBC Concept Visa cards receive a 15% discount on fourth-row tickets.

Amarcord | December 2, 3, 16

Set in a small, cozy Italian town where mornings once began with laughter and a love for life, Amarcord is a story steeped in color, music, whispers, and sunlight. Each day mirrored the charm of simply being alive.
But one day everything changes. A mysterious, silent force enters the town—like a shadow. Laughter fades, music quiets, colors disappear. The town seems to stop breathing.
This performance is a love letter to a world where people exist for one another, and a reminder of how easily evil can steal what is most precious: the freedom and happiness we share.

Miss Julie | December 5, 14

One of the most compelling and layered plays in both directing and acting terms, Miss Julie tells the story of two people from entirely different social classes who become entangled in a dizzying game of desire and manipulation.

Letters of a Madman | December 9, 11

Is there a path to personal freedom? Can we accept the rules and boundaries set for us while still dreaming of something bigger, something different? Is there another way? Where are we all headed? Does a parallel freedom exist?

Tootsie | December 10

Inspired by the film of the same name, the performance centers on a deep love for the acting profession and the sacrifices it demands. It is a story about the actor’s inner world—thoughts, pain, emotions—and the mission they define for themselves, fighting daily to fulfill it.

The Conductor | December 12

In 1946, Nuremberg, the chief conductor of the Berlin State Orchestra—Wilhelm Furtwängler—faces trial. Deborah Arnold seeks to uncover the truth behind the famed German conductor’s past.
The interrogation room becomes a battleground of opposing ideologies:
Can art be separated from politics?
Can one live and work peacefully after shaking hands with the devil?
Can music liberate the human soul?
Ronald Harwood’s gripping play raises these and many other profound questions—though the answers are far from simple.

Gas Station | December 17

When life rushes past us at an uncontrollable speed, we often forget what truly matters. The performance tells the stories of six people who, thanks to fate, find themselves at a “gas station,” forced to take a brief break from their hectic daily rhythm. In these few hours, they are given a chance to rediscover one another.

TBC – Believe First, and the Impossible Becomes Possible

You can achieve what no one has ever done — as long as you believe!

Starting something new is always difficult, especially when no one has tried it before. The fear of disappointing others, of failure, of losing to yourself — it all feels overwhelming. But if you believe in your goals and pair hard work with courage, the results will show you that even the impossible can become possible. All it takes is belief.

TBC’s new video tells the story of Georgian artist Giorgi Potskhishvili, principal soloist of the Dutch National Ballet. His journey is one of tough choices, bravery, support, and unshakeable self-belief.

Dance was Giorgi’s natural inheritance. His father was a Georgian traditional dancer, his mother a ballet dancer. From childhood, the magical world of dance — the world most of us only see on stage — was part of his everyday life.

He began with Georgian dance and soon discovered ballet. That was when his personal split as a dancer began — he had to choose between the two. The difficulty of that choice, and his love for both, convinced Giorgi that his unique path would be a fusion of the two styles. He would be the first to unite the strength of Georgian dance with the elegance of ballet.

Giorgi’s decision came with fear and doubt: Will it work? Is this the right direction? But his parents, who saw how naturally he followed both traditions and believed in him deeply, kept reminding him: Just because no one has done it before doesn’t mean no one ever can.

“Many people told me I couldn’t combine two completely different styles. But I loved them both — I wanted to create my own synthesis of Georgian dance’s power and ballet’s elegance. I believed in my goal and stubbornly continued on the ballet stage. Today, I’m proud that every movement I make unites both traditions. And I’m sure there are many more stories ahead that will become possible thanks to these words: You can achieve what no one has ever done — as long as you believe!” says Giorgi.

Throughout this difficult choice, Giorgi’s family was his greatest support. His parents always repeated: Just because no one has done it before doesn’t mean no one ever can. With their encouragement — and faith in himself — Giorgi reached the world’s greatest stages, where his artistry now shines among the leading figures of global ballet.

Through its message “Believe First”, TBC inspires people, giving them confidence and courage to follow their ambitions boldly and trust that they, too, can achieve what no one has done before — as long as they believe.

TBC Showcased as Bronze Sponsor at the Global Banking & Markets CEE, Central Asia & Türkiye 2025 Forum

TBC was a sponsor of the international forum Global Banking & Markets CEE, Central Asia & Türkiye 2025.

At the major international financial forum held in Istanbul — Global Banking & Markets 2025 — TBC participated as a Bronze Sponsor. This event is one of the most important professional platforms, bringing together senior executives from Central and Eastern Europe, Central Asian countries, and Türkiye. The global forum attracts leading international and regional banks, investment funds, and key representatives of the financial sector. Its mission is to support high-level dialogue, foster new partnerships, and promote the development of capital markets.

At the forum, teams from TBC Capital and TBC Asset Management held meetings with representatives of the international investment and banking sectors. They discussed potential areas of cooperation, joint projects, and new opportunities for the development of regional capital markets.

More than 1,000 participants — holding senior positions in major financial corporations across the region — had the opportunity to learn about the activities of TBC Group at the dedicated corporate stand.

During the awards ceremony held as part of the conference, bonds issued with the support of TBC Capital won in the category of “Deal of the Year.” The award was received by Georgia Global Utilities (GGU), which last year issued USD 300 million in green eurobonds.

Step Up to the Starting Line of TBC’s December Marathon in Mobile Banking

Are you ready to kick off TBC Mobile Bank’s December Marathon?
Then stay alert — you don’t want to miss the starting line.
Before the game begins, simply stepping onto the starting line will give you a solid advantage — plus, you’ll receive 200 bonus coins as a gift.

Before you start, don’t forget to update your Mobile Bank app

A quick reminder: to join the marathon, all you need is the TBC Mobile Bank and to be over 18 years old.

Your main goal is to collect as many coins as possible before the marathon ends.

Weekly prize winners will be announced at the end of each week, each receiving 10,000 GEL.
Coin counting restarts every Monday and includes all coins collected through Sunday.

The final marathon champion will be the participant who gathers the highest total number of coins across all four weeks — earning the grand prize of 50,000 GEL.

There will be two types of missions: daily and weekly.
These are mostly simple financial tasks you can complete directly in Mobile Bank.
Plus, each day you’ll unlock a mini-game where your aim is to collect as many clicks as possible within a limited time and earn matching coins.

Daily logins and inviting friends will give you an extra edge — helping you advance and outpace other marathoners.

So, join us in TBC Mobile Bank the December Marathon begins now!

TBC Launches a New Campaign Supporting Businesses

When you know whom to ask, you always get the right answers — TBC is launching a new campaign to support businesses.

Many of you have probably already noticed questions popping up around the city — on billboards, social media, and websites — the very questions that every entrepreneur or their friends have asked at least once when starting a business.

These questions mostly relate to general business topics or banking products:

What do I need to start a business?
How do I write a business plan?
Will I get a loan to start a business if I only have an idea?

And if you haven’t noticed it yet, keep in mind: whether you’re walking around the city or simply scrolling online, you might suddenly come across these seemingly simple — yet often unanswered — questions.

Because TBC is openly addressing the challenges faced by new businesses, one thing is clear: these questions will not remain unanswered. And within the framework of this new campaign supporting entrepreneurs, we can expect something even more ambitious ahead.

When you know whom to ask, you always get the right answers.

TBC Showcased at the Financial Times Global Banking Summit

Giorgi Tkhelidze Speaks at the Financial Times Global Banking Summit

TBC became the first Georgian bank to be invited to the Financial Times Global Banking Summit in London. The bank’s Deputy CEO, Giorgi Tkhelidze, joined a main-stage panel discussion focused on how the banking sector will transform by 2030.

The annual event, held in London, gathers more than 1,000 leaders from around the world. At the Global Banking Summit, bank executives, technology companies, analysts, and regulators come together to discuss trends and opportunities shaping the financial sector.

Alongside Giorgi Tkhelidze, the panel featured the Managing Director of Retail Banking at Lloyds — one of the UK’s leading commercial banks — as well as representatives from the Swiss technology company Temenos and the UK-based software provider Encompass.

“Financial Times expressed interest in TBC Group’s success, which stems from our early adoption of advanced technologies in both Georgia and Uzbekistan. TBC was the first to launch internet banking in Georgia back in 2001. Since then, the Group has continued to evolve by integrating new technologies and innovations. Our experience in Georgia laid a strong foundation for developing the first fully digital bank in Uzbekistan, where we now serve 22 million users with 6 million monthly active customers.

At the forum, we highlighted the importance of technological advancement: 70% of TBC’s customers already use digital channels, and 95% of all transactions are completed electronically. We handle 1 million monthly interactions through our AI agents, covering 50% of customer inquiries.

We are currently working on further enhancing our AI tools. More than 70 processes across the bank are already automated, accelerating business operations and improving customer experience. Our goal is to provide bankers with more data-driven insights for personalized service and to integrate AI more effectively in areas where human involvement is not required.

I am proud that the Financial Times chose to focus on Georgia and TBC Group. It gave us an opportunity to share our experience with an international audience,” said Giorgi Tkhelidze, Deputy CEO of TBC.

TBC Presents Georgia’s First Interactive Children’s Play on Financial Education

As part of TBC’s financial education initiative, interactive theatrical performances on financial literacy were held for children in Gurjaani and Telavi.

The theatrical production, created in collaboration with “Tamashobana,” aims to enhance the financial knowledge of primary school students on key topics such as saving, entrepreneurship, financial goals, and financial safety.

“Forward and Beyond: Finansobana” is the first Georgian interactive children’s play designed for students in grades III–VI, with the goal of raising financial awareness among young audiences. The performances took place in seven cities across Georgia and were attended by more than 1,000 students.

The play was developed by the National Bank of Georgia’s financial education platform “Finedu,” in partnership with supporting organizations and in collaboration with “Tamashobana.”

Give it a try — what do you have to lose?

Starting to invest in TBC Mobile Banking has become even simpler.

A new campaign has launched on TBC’s investment platform — now taking your first step is easier and completely risk-free. During the campaign, your initial investment is fully protected.

Starting to invest often brings up many questions: “Where do I begin?”, “Do I know enough?”, “What if I lose money?” This campaign is designed to help you overcome those fears and gain real investing experience.

The principle is simple:
If you haven’t bought stocks before, you can make your first investment with loss protection active for 30 days. Choose one of three companies’ stocks, buy it, and after 30 days — if the price has dropped — your loss will be fully refunded to your investment account.

As a result, you gain hands-on experience with zero downside. You learn how the market works, what price changes mean, and what it feels like to be an investor when you own a real asset. You discover firsthand that beginning your investment journey doesn’t require complex procedures, special knowledge, or large sums.

To start trading, you’ll need an investment account, which you can open on TBC’s investment platform in Mobile Banking in less than one minute — completely free. Deposits, withdrawals, and trading are all commission-free, making investing even more simple and accessible.

Join the campaign — Give it a try. What do you have to lose?

TBC x Ilia Topuria – The Power of Stubborn Belief in Your Goal

When you believe in yourself and in your goal, there is nothing you can’t achieve. With TBC’s new brand platform — “What Matters Is Believing” — we stand with people who choose to believe in their ambitions and take the next steps to turn that belief into reality.

Through this renewed communication platform, TBC has become Ilia Topuria’s partner on his journey. With this collaboration, we aim to inspire society, boost motivation, and strengthen the belief that when you truly believe, even the impossible becomes achievable.

The first campaign created together with the undefeated UFC champion reflects exactly this idea. It shows that even those who seem incredibly strong often face their most important battle within themselves. In those moments, what matters most is holding on stubbornly to your belief in your own abilities — even when you’re attempting something no one has done before.

The core values shared by Ilia and TBC align naturally, and this collaboration creates real value through a unified vision and shared principles.

Believing in yourself, moving forward with strong and independent steps, and achieving victory — this is what the partnership between TBC and Ilia promises to bring to life through many exciting new initiatives.

Until then — stubbornly, wholeheartedly — just believe!

TBC Supports Development of Premium Residential Complex “The Lake” at Lisi Lake

With the support of TBC, a new premium residential complex — The Lake — will be built at Lisi Lake.

TBC and the development company Placemakers have signed a cooperation memorandum under which a new residential complex will be constructed near Lisi Lake. The first phase of The Lake involves an investment of 47 million GEL, of which 30 million GEL is financed by TBC.

The concept of the residential complex brings together contemporary living and harmony with nature. The project will unite private homes and a multifunctional Lake House building within one integrated space. The complex will feature diverse leisure and recreational infrastructure, including a fitness club, swimming pool, art gallery, and restaurant. A dedicated business meeting area will also be arranged exclusively for members of the Lake House Club.

Both local and international professionals are working on the project’s architecture. Construction will be carried out in two phases, with the first stage planned for completion in 2026.

“We are pleased that through the partnership between TBC and Placemakers, Tbilisi will gain another high-end residential complex. Its unique location, architectural vision, and energy-efficient infrastructure make the project even more compelling. Importantly, The Lake introduces a new perspective and sets high standards in the market — a priority for TBC.
The real estate sector is developing rapidly, and TBC actively contributes to this progress: over the past three years, we have grown our portfolio by 110%. TBC’s financing in real estate development amounts to 1.9 billion GEL, giving the bank a 43% market share.”
— Giorgi Darchiashvili, Head of TBC’s Large and Medium Corporate Client Services Department.

“Our team has enjoyed a long-standing relationship with TBC. We are delighted that Placemakers’ first project — The Lake — is being implemented with the support of such a strong financial partner. We are confident that together we will deliver many more exciting projects to the real estate market.”
— Nodar Adeishvili, Managing Partner at Placemakers.

TBC Launches New Year Offers

TBC has already started preparing for the New Year and has created a special calendar of festive offers for its customers.

Starting December 6, every weekend, open the New Year Offers Calendar and enjoy magical deals across a variety of categories tailored just for you.

According to the calendar, on the first weekend, December 6–7, customers will find offers primarily at accessory stores. Payments made with the new TBC card, the new TBC Concept card, or the Loyal Credit Card will earn 30% cashback instantly.

For the new TBC card and the Loyal Credit Card, cashback is capped at up to 100 GEL.
For TBC Concept card users, using the TBC Concept card together with the Loyal Credit Card, the maximum cashback is 150 GEL.

Partner stores:
HER STORE, Kaleisi, Giggles, Beauty Scent, Old Supra / OldSupra.ge, Cosmo, Bagatti, Eyewear Gallery

The offer is valid only at the physical stores of the listed brands, except for HER STORE, OldSupra.ge, and Cosmo, which also have online stores.

For additional terms and conditions of the offer, please visit the link.

Start preparing for the New Year today — get your new TBC card from Mobile Banking in just 30 seconds and enjoy ongoing offers tailored to your wishes.

Over 60,000 Customers Benefited from TBC’s Black Friday Offer

TBC’s Black Friday campaign this year brought impressive results: over 60,000 unique customers, a threefold increase in transactions, and higher turnover for partner businesses.

This year, the brand gave customers the opportunity to get more than they usually would on Black Friday. On November 28, holders of the New TBC Card, the New TBC Concept Card, and Loyalty Credit Cards—totaling 60,000 customers across Georgia—enjoyed an additional 30% cashback on top of existing discounts at nearly 100 selected brands’ physical stores. The cashback was credited instantly, allowing customers to continue shopping and purchase even more items.

Back-to-school season, Black Friday, New Year… these are the periods TBC customers look forward to the most, knowing they will receive tailored, diverse offers that meet their needs. To ensure campaigns appeal to all types of customers, TBC’s Loyalty Team carefully plans each campaign several months in advance, relying on customer feedback.

“Even before the campaign started, many customers were reaching out to tell us in which stores they wanted to see offers. We did our best to accommodate all requests, and as a result, we received very positive feedback. Everyone appreciated the offers—great discounts plus cashback,” said Ana Orbeladze, Brand Manager of TBC’s Loyalty Program.

During Black Friday, TBC’s partner businesses also saw an increase in average daily turnover, demonstrating that TBC’s campaigns not only benefit customers but also significantly support and strengthen the business community.