BirKart Miles (Debit)
Make operations with BirKart Miles, earn miles and exchange them for any air ticket. Please fill "Online order" form below to apply for BirKart Miles (Debit).
Meet the card that will lift you up above the clouds! Сonduct transactions with BirKart Miles and change the miles you gain to any airline ticket. Gain more miles by Deposit.
Please fill "Online order" form below to apply for BirKart Miles (Debit).
- Opportunity to change miles to any air ticket
- Gain miles from deposit (2% anually)
- Opportunity to get card in 3 currencies (AZN/USD/EUR)
- The card is Mastercard Platinum
- Gain miles for any non-cash operations (excluding loans, communal, transportation and governmental payments)
- "MasterCard Airport Experiences" and "Lounge key" services
- Opportunity to exchange miles to any air ticket without comission.
- Opportunity to gain more miles in partner network.
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, Communal, Transport and Governmental payments are excluded. You earn miles for Utility payments made through BirBank mobile application.
** This tariff belongs to the cards in AZN. For USD and EUR cards miles are calculated the same as in local payments.
|Card price – 3 years||80 AZN|
|Urgent card issue surcharge fee||Baku branches - 10 AZN, regional branches - 15 AZN|
|"Emergency Cash Disbursement" (to withdraw money without a card in 24 hours in case if the card is lost or stolen in the foreign country||Master Card - 100 EUR/ VISA - 180 USD |
|Unjustified claims in respect to payments||10 AZN|
|Connection to Internet Banking and Mobile Banking||Free|
|Resetting a PIN code via BirBank||0,50 AZN|
|Resetting a forgotten, lost PIN code via ATM||1.00 AZN/USD/EUR|
|Resetting PIN tries or unblocking a card via BirBank||1 AZN|
|Unblocking a card||2 AZN|
|Maintaining closed accounts in operating system||monthly 1.00 AZN|
|Withdrawing cash from Kapital Bank's ATMs and branches||1% (min 1,00 AZN/USD/EUR)|
|Withdrawing cash from ATMs of other banks||1,5% (min 3.50 AZN/USD/EUR)|
|Withdrawing cash from offices of other banks within the Republic of Azerbaijan||1,5% (min 5.00 AZN/USD/EUR)|
|Withdrawing cash from offices of banks outside of Azerbaijan|| |
1,5% (min 7.50 AZN/USD/EUR)
|Commission for trading transactions||0%|
|Adding funds to card through Kapital Bank's offices, cash-in ATMs and info kiosk terminals||0%|
|Unique transactions in Azerbaijan and abroad (gambling)||3% (min 5.00 AZN/USD/EUR)|
|Cash by Code service fee (with ATM)||1% (min 1,00 AZN/USD/EUR)|
|Card to Card - transfering funds to another Kapital Bank card (via ATM)||0,2% (min 0.50 AZN/USD/EUR)|
|Card to Card - transfering funds to another Kapital Bank card (via BirBank)||0%|
|"Card to Card" to resident bank cards||0,5% (min 1.5 AZN/USD/EUR)|
|"Card to Card" to non-resident bank cards||1,5% (min 3 AZN/USD/EUR)|
|Payment of administrative fines, state dues and state budget payments through POS in Azerbaijan||0,5% (min 0,30 AZN)|
|Payment of taxes, customs dues, administrative fines, state dues and other state budget payments through www.gpp.az website||0,15% (min 0,40 AZN, max 15.00 AZN)|
Conversion: Debit and credit transactions conducted in foreign currency by AZN payment card accounts (cash-in, withdrawal, card to card)
Conversion: Payment transactions conducted in foreign currency within the country by AZN payment card accounts
Conversion: Debit and credit transactions conducted in AZN by USD/EUR payment card accounts (cash-in, withdrawal, card to card)
|Conversion fees in all other cases||0,5%|
|Transfer of funds to salary cards||1% (min 1.00 AZN/USD/EUR)|
 The max amount of the money that the customer can receive is 5000 USD (or equivalent).
- How can I change miles to an air ticket?
In order to change miles to an air ticket, first, it is necessary to get a ticket by making a non-cash payment through BirKart Miles card. Then you need to follow My Bonuses/Miles menu in BirBank mobile app. In this menu, it is required to select an air ticket you have bought and change payment to miles.
- How can I increase my card balance? Still have a question? Ask an online consultant!
- How can one obtain a Kapital Bank card?
To obtain a Kapital Bank card, you can apply to a bank branch (unit) or by filling out the Online Application Form on the official website of Kapital Bank.
- What are the benefits of "MC Concierge"?
This service provides access to luxury restaurants, hotels, indoor clubs and movie premieres. You may also get advice about transportation including help in renting a car. Inquiries for «MC Concierge» service must be sent to e-mail - [email protected]
- How can I connect to the SMS Banking service?
There are 3 easy ways to connect to Kapital Bank’s SMS Banking service:
- Applying to a local structural unit;
- By using a Kapital Bank ATM;
- Calling the Customer Service at 196;
- Is a service fee charged on card payments in trade and service centers?
No service fee is charged on card payments in trade and service centers.
- What shall I do if my card is opened in USD but I am traveling to Euro zone?
In this case, a conversion fee of 0.5% will be charged. You can also open an EUR card to avoid paying the conversion fee.
- How can I connect to Internet banking/Mobile banking services? Are these services free?
You can apply to your local branch (unit) to connect to this service. You will propose to sign an Internet Banking/Mobile banking service agreement. The service will be activated within 3 business days. The service is free of charge.
- Where shall I apply for an account statement?
You can obtain your account statement from any branch (unit) of Kapital Bank. The following tariffs apply to issue of account statements: Balance statement – free, other accompanying documents – AZN 10
- Is there any user limit applied to cards?
To minimize operational risks and potential damages in the event of the stolen card, a user limit is set for cash withdrawal from ATM and payments through POS terminals in high-risk and relatively low-risk countries.
- Where shall I apply to change my card limits?
Before you travel to a new country, you can change the daily limit by calling customer service at 196, applying to your local structural unit or by visiting Internet/Mobile Banking section on the website.
- I added funds to my account through cash-in ATM but the money has not been settled to my account yet. What shall I do?
If money which was added to account has not been settled for technical reasons (power cut, network problems, etc), a customer shall immediately notify the customer service at 196 or inform the local branch. The application will be investigated by bank within 7 business days and the customer will be notified about the results in due order.