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Our cards have:

-Interest-free installment opportunity;

-Grace period up to 63 days;

-Quick payment online and in-store;

-Possibility of cashing out 100% of the funds;

-Possibility of shopping with over 30,000 partners.

Apply

-Installment: when paying from a partner store, the amount shall be divided into months without interest.

-One-time: at this time, it is possible to pay anywhere, regardless of the partner.

-Ninja offer: when paying in a non-partner store, it is possible to divide the amount by months by random selection.

You should know that:

-People between the ages 18 and 70;

-People with an official income;

-People with active loans in other banks

-People with salary or pension card at Kapital Bank or any other bank;

-People with 3 months work experience in the last place of work, total experience 6 month (this requirement does not apply to retirees) can obtain a loan and in certain cases, a guarantor may be required to obtain a loan.

Apply

-You can apply through the Birbank application;

-By visiting the website kapitalbank.az;

-By selecting the appropriate buttons during contact with the 196 Call Centre;

-By applying to digital centres;

-By visiting any branch.

Apply

What is an installment?

• When making a purchase in a partner store, the amount is divided by months in an interest-free manner. For example: if you divide your spending in the amount of 1200 AZN by 6 months, then within 6 months you can pay 200 AZN between the 1st and 10th each month. Payment begins after the end of the month in which the spending was made.

What is a one-time payment?

• When making a one-time payment, a grace period of up to 63 days is provided. For example, when you spend on September 1, 2023, you can make a repayment without interest accrual until the last day of the following month. In addition, if spending is made on 08.09.2023, repayment can be made until the last day of the following month. If the repayment due date falls on a non-working day, it is possible to pay the debt until the next working day

What is Ninja offer?

• It is the division of the transaction into months in exchange for a commission when the customer pays with an installment card from a non-partner store. When foreign and domestic payments are made, they are sent by random selection.

How can I take advantage of the offer?

• -The offer can be sent in Birbank application or by SMS;
• -It is possible to divide into months in the "Offers" section of the Birbank application or by sending an SMS to 2149;
• -The offer is valid within 24 hours (you can confirm within 24 hours).

How are tariffs regulated?

• in case of division for 2 months - 4.5% commission
• in case of division for 3 months - 6% commission
• in case of division for 6 months - 10% commission
• in case of division for 12 months - 17% commission will be charged.

Note: Ninja for 12 months is offered when the domestic transaction amount is higher than 500 AZN and the international transaction amount is higher than 600 AZN. In addition, for the execution of the transaction, there must be a commission amount on the balance. Otherwise, such division will not be possible even if the offer has been sent.

What should I do if the Ninja offer has not been sent?

• Ninja offer is sent for payments randomly.

I took advantage of the Ninja offer, but what do I do if the transaction doesn't appear in my personal account?

• The transaction can appear in your personal account within 10 days from the date of your use of the offer. If it doesn't appear after the specified period, you can contact the 196 Call Centre or online chat service.