Birlik - loyalty club

We present "Birlik - loyalty club" for our loyal loan customers. Repeated customers who got a Birlik loyalty club card can benefit from different interest rates during loan clearance.

General information

Customers who are members of the club are offered special membership cards. Depending on the type of card, a certain amount of monthly loan payments  will be returned to the card as a bonus. It is also possible to get an additional term up to 12 months for the loan repayment time.


  • Validity period of cards - 120 months;
  • Price of cards - 5 AZN;
  • Cards are local cards and valid only at ATM and POS of Kapital Bank;

    Type of card Silver Gold Platinum
    To whom? Borrowers at least 2 times Borrowers 3 and more times Borrowers 3 and more times
    Interest on credit repayments from main borrow to card 0.1% 0.2% 0.3%
    Compensation to the credit commission (from the commission amount) 30% 40% 50%
    Compensation for annual interest rate when getting a loan 0.5%  1%  1.5%
    Addition to the loan term on "Cash consumer loans 12 months 12 months 12 months

    Note: Only clients with no active loan agreement may join the Birlik loyalty club.