BirKart is a unique card provided by Kapital Bank, which provides interest-free and commission-free installment options.
How can I get BirKart?
- Card limit – till 10.000 AZN
- Miles tariffs – 1 Mile per 1 AZN in local payments, 1.5 Miles per 1 AZN in international payments
- Card validity period - 36 months
- Price of card - 1 year 35 AZN
(You can either choose to have BirKart Miles only for Debit operations. In this case, the card will cost 80 Azn for 3 years and you will have option to receive the card in any of three currencies (AZN/USD/EUR). Card will not be capable for taksit operations.
- The annual interest rate on taksit operations - 0 %
- Grace period - till 40 days
- Number of payment months (number of credits) – 2, 3, 6, 9, 12 and 18 months
- You can cash out up to 60% your card limit
Good to know
- Interest-free and commission-free installment options for 2, 3, 6, 9, 12 and 18 months.
- Connection to SMS info service - free
- Upon payments through BirKart Miles, bonuses are given in form of miles that can be changed to any air tickets.
Who is eligible for BirKart?
- People who are employed officially;
- Kapital Bank salary and pension card holders are awarded
- Age limit - 18 to 67 years
- The length of service at the last job has to be a minimum of 6 months (3 months for Kapital Bank customers). There is no such a requirement for pensioners
|Price of card||1 year 35 AZN|
|Card interest rate||Interest rate on taksit operations - 0%|
|Encashing rate - 25%|
|Encashing commission||From own account - 1%|
|Limit of loan - 1.5 %, min 2 AZN|
|QR withdrawal||1.5 %, min 2 AZN|
|Payback to the account (cashback)||N/A|
|Calculation of Miles||1 Mile per 1 AZN in local, 1.5 Miles per 1 AZN in international payments|
|Calculation of BirKart Miles in the exchange to THY Miles||2 BirKart Miles = 1 THY Miles|
Calculation of miles
|For local payments*||1 AZN = 1 Mil|
|For international payments||1 AZN = 1.5 Mil|
|For Deposit incomes||1 AZN = 65 Mil|
|Calculation of miles in Cashback Partner network||Cashback rate / 1.5|
|Calculation of Miles in the exchange to air ticket||65 Mil = 1 AZN|
*Loan, Utility, Transport and Governmental payments are excluded. You earn miles for Utility payments made through BirBank mobile application.
- ID card/military ID
- Aylar üzrə TAKSİT ödənişiniz Aylar üzrə ödənişiniz