BirKart installment card

BirKart is a unique card provided by Kapital Bank, which provides interest-free and commission-free installment options.

BirKart

  • Card limit – till 10.000 AZN
  • Card validity period - 36 months
  • Price of card - 1 year 15 AZN (If you do 3 cashless operations (min. 10 Azn) within first 90 days, you will ne charged 15 AZN (annual payment)
  • 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

BirKart Cashback

  • Card limit – till 10.000 AZN
  • Card validity period - 36 months
  • Price of card - 1 year 35 AZN
  • 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
  • Refund from one-off payment (cashback) - min 1.5% max 30%

BirKart Miles

  • 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

More about BirKart    

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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.
  • Card purchase and service fee – free for one year and till 30% cashback in BirKart Cashback

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

Tariffs

Services  Birkart Birkart Cashback Birkart Miles
 Price of card  1 year 15 AZN 1 year 35  AZN 1 year 35  AZN
Card interest rate Interest rate on taksit operations - 0% Interest rate on taksit operations - 0% Interest rate on taksit operations - 0%
Encashing rate - 25% Encashing rate - 25% Encashing rate - 25%
Encashing commission From own account - 0% From own account - 0% From own account - 0%
Limit of loan - 1.5 %, min 2AZN Limit of loan - 1.5 %, min 2AZN Limit of loan - 1.5 %, min 2AZN
Payback to the account (cashback) N/A min 1.5% max 30% N/A
Calculation of Miles N/A N/A 1 Mile per 1 AZN in local, 1.5 Miles per 1 AZN in international payments

Required documents

  • ID card/military ID

FAQ