Making purchases with new BirCard Umico, you receive cashback from Kapital Bank in Umico bonuses. For every purchase in the Umico partner network, you get additional bonuses from Umico also.
Card price for 1 year
1 year 35 AZN
up to 10.000 AZN
Card validity period
up to 40 days
Approximate monthly payment
İlk aylarda aylıq ödəniş 72 AZN-dən başlayacaq və növbəti aylar ərzində tədricən 69 AZN-ə qədər azalacaq
If you make a transaction with your BirKart 5 times during the first 90 days for a minimum of 20 AZN (installment, online payment, one-time purchase), the annual price of the card for the 1st year (35 AZN) will not be deducted from your account.
• Annual interest on installment operations - 0%
• Number of payment months (number of installments) - 2, 3, 6, 9, 12 and 18 months
• Umico bonus coefficient (for both Umico and non-umico partners) -1.5%
• Cashback on installment transactions - 0.5%
• You can cash up to 60% of your BirKart limit
• Loan interest rate when used as a credit card - 25%
• Discount period for one-time card payments - up to 40 days
• Possibility of interest-free installment for up to 18 months in partner stores
• You receive both Cashback amounts provided by Kapital Bank and earned within the Umico partner network. The amount of Cashback given by both parties is accumulated as a bonus on Umico's balance.
• Accumulated cashbacks can be tracked in the "Bonuses" section of the Birbank mobile application or through the Umico mobile application
• Cashback is calculated for transactions made from the BirBank mobile application according to the following table:
* Exceptions: court, fine, guarantee, tax, public services, post, financial institutions, transport
1. Persons officially registered in the workplace;
2. Age limit - 18-67;
3. Experience at the last workplace must be at least 6 months (3 months for those who have a salary and pension card in Kapital Bank). There is no such requirement for retirees.
1. ID cards
2. Military card for militaries
Mobile, TV, Internet
Fill out the form and get BirKart