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Card Type: VISA Rewards Card, Mastercard World Card
Card preparation service fee - AZN 10 6 USD/EUR
If the card is lost, a service fee must be paid for the purchase of a new card.
The card is free upon initial deposit of at least 500 AZN/USD/EUR at Baku and Sumgayit city branches, and 200 AZN/USD/EUR at regional branches.
The balance in the Kartmane account for the next years is at least 500 AZN/USD/EUR or the annual turnover is at least 3000 AZN/USD/EUR (the funds received into the account are not taken into account, the turnover means cashless retail and e-com turnover) and the surplus in this case, the service fee for that year is not charged.
Interest rate (annual) calculated on the balance of funds in Kartmane Сredit: AZN 4% | USD 0.25% | EUR 0%
The minimum amount for which interest will be calculated on each card: 100 AZN/USD
The maximum interest amount for each card: 10,000 AZN/USD
Capitalization: Monthly capitalization with daily interest calculation (The first working day of each subsequent month is added).
Conversion commission for payments made in foreign currencies - 0.5%
SMS Alert Service - 5 AZN (monthly)
PIN Change and PIN Erase Services - Free
Kartmane Credit owners can use their safes for free for 1 month.
Card to Card:
When you have your own funds: to RB cards - Free (through MB APP, UB, BOT channels)
When you have your own funds: RB cards-0.5% min. 0.60 AZN/USD/EUR (via ATM channels)
When you have your own funds: To cards of other domestic banks - 0.5% min. 0.60 AZN/USD/EUR (through MB APP, UB, BOT, ATM channels)
Credit line -1% min. 1 AZN/USD/EUR (through MB APP, UB, BOT, ATM and other channels)
In case of credit card payment, a commission is applied according to the above-mentioned rates (when own funds are available or credit line is used).
Borrower's age limit:
Borrower's workplace:
Work experience at the borrower's last place of work: Minimum 6 months
Loan amount:
Period: The term of the credit line is 24 months.
Interest rate: 25% per annum (10% in EUR and USD currencies).
Cash Out Funds:
From Rabitabank ATMs and POS-terminals
When you have your own funds:
Credit line:
ATM and POS terminals of other financial and credit institutions of the country
When you have your own funds:
Credit line:
From ATM and POS terminals of foreign financial and credit institutions:
When you have your own funds:
Credit line:
Required documents:
Guarantee requirement:
Requirements against the surety:
The same as the requirements for the borrower - (except for the minimum wage requirement), as well as the DTI maximum of 60%
Salary:
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Cash Transactions
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Cashless Transactions
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Annual interest rate
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✔ 25% (EUR and USD, 10%)
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✔ 25% (EUR and USD, 10%)
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Grace Period
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✔ No
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✔ Up to 100 days*
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Minimum Payment
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✔ At the amount of 5% of the credit balance
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✔ At the amount of 5% of the credit balance
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Payment Date
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✔ From the 1st to the 10th of each month
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✔ From the 1st to the 10th of each month
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Delay Interest
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✔ 36 %, if the minimum payment is not made
✔ (20% in EUR and USD cards)
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✔ 25% (10% in EUR and USD cards), if the minimum payment is not made,
✔ 36% (20% in EUR and USD cards), if the minimum payment is not made after the end of the grace period
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İnterest to be charged on the amount
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✔ 25% (20% - EUR and USD)
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✔ 25% (10% - EUR and USD)
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Term of spending
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✔ During the month
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✔ During the month
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Account cut-off date
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✔ Last business day of each month
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✔ Last business day of each month
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Last payment date
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-
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✔ 10th of the next 3rd month
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Cashing Limit
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✔ 100%
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- |
Cashing Commission
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✔ 2%
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- |
Card Blocking
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✔ The card shall be blocked if the minimum payment is not made 2 times in a row (the block shall be released when the debt is paid according to the schedule)
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✔ The card shall be blocked if the minimum payment is not made 2 times in a row (the block shall be released when the debt is paid according to the schedule)
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Extending the Period
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✔ 30 days prior to the expiration of the credit line, the bank shall re-analyze the borrower’s financial condition and may, at its discretion, extend the availability period for the next 24 months.
*If the Bank does not extend the term of the credit line, the amount of outstanding debt shall automatically be divided into annuity payments as follows and the current grace period shall be cancelled:
✔ If the amount of outstanding debt is less than 3 000 AZN, that amount with 29% per annum for a period of 12 months
✔ If the amount of outstanding debt is more than 3 000 AZN, that amount with 29% per annum for a period of 24 months
✔ The Bank will notify the Borrower of extension of the period of the credit line or division of the amount of outstanding debt into annuity payments by sending an SMS to the mobile number provided by the Borrower to the Bank.
Loan payment:
You can use the following methods to make your loan payments on time: E-manat, InternetBank, Mobile app, you can make the payment by going to the Online Loan Payment page ⏎. Credit payment destination must be selected when used.
Note: Card to Card method is not recommended for credit debt repayment.
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Qeyd ➜ Apple Pay və Google Pay vasitəsi ilə aparılan ödənişlərə görə keşbek, əməliyyatın təsdiqi (silinməsi) gəldikdən sonra əks olunacaq. Standart olaraq təsdiq prosesin icrasına 3 gün tələb olunur, amma nadir hallarda 35 günədək tələb oluna bilər.
Ölkədaxili və ölkəxarici əməliyyatlar, AZN kartlar, maksimal aylıq cashback məbləğ 200 AZN təyin edilir.
Kateqoriyalar |
Kart vasitəsi ilə ödəniş , % |
Apple Pay və Google Pay vasitəsi ilə ödəniş, % |
Aylıq kategoriya üzrə maks. , AZN |
YDM |
1.00% |
10.00% |
30 |
Market |
1.50% |
5.00% |
30 |
Restoran |
2.00% |
5.00% |
30 |
Kitablar |
5.00% |
5.00% |
30 |
İctimai nəqliyyat və qatar |
5.00% |
5.00% |
30 |
Bərbər, Gözəllik salonları, Spa |
5.00% |
5.00% |
30 |
Cinema |
10.00% |
10.00% |
30 |
Digər |
1.50% |
2.00% |
- |
Electronics |
2.00% |
3.00% |
30 |
Siğorta |
1.50% |
1.50% |
- |
Taxi |
2.00% |
5.00% |
30 |
Çatdırılma |
2.00% |
5.00% |
30 |
Ev heyvanlar |
2.00% |
5.00% |
30 |
Geyim |
2.00% |
5.00% |
30 |
Qeyd:
Qeyd ➜ Apple Pay və Google Pay vasitəsi ilə aparılan ödənişlərə görə keşbek, əməliyyatın təsdiqi (silinməsi) gəldikdən sonra əks olunacaq. Standart olaraq təsdiq prosesin icrasına 3 gün tələb olunur, amma nadir hallarda 35 günədək tələb oluna bilər.
Ölkədaxili və ölkəxarici əməliyyatlar, AZN kartlar, maksimal aylıq cash back məbləğ 5 000 BAL təyin edilir.
Kateqoriyalar |
Kart vasitəsi ilə ödəniş bal |
Apple Pay və Google Pay vasitəsi ilə ödəniş, bal |
Aylıq kategoriya üzrə maks. , bal |
YDM |
1AZN= 0,5 bal |
1 AZN=5 bal |
1500 bal |
Market |
1 AZN= 0.75 bal |
1 AZN=2.50 bal |
1500 bal |
Restoran |
1AZN=1 bal |
1 AZN=2.50 bal |
1500 bal |
Kitablar |
1 AZN=2.50 bal |
1 AZN=2.50 bal |
1500 bal |
İctimai nəqliyyat və qatar |
1 AZN=2.50 bal |
1 AZN=2.50 bal |
1500 bal |
Bərbər, Gözəllik salonları, Spa |
1 AZN=2.50 bal |
1 AZN=2.50 bal |
1500 bal |
Cinema |
1 AZN=5 bal |
1 AZN=5 bal |
1500 bal |
Digər |
1 AZN= 0.75 bal |
1AZN=1 bal |
- |
Electronics |
1AZN=1 bal |
1AZN=1.50 bal |
1500 bal |
Siğorta |
1 AZN= 0.75 bal |
1 AZN= 0.75 bal |
- |
Taxi |
1AZN=1 bal |
1 AZN=2.50 bal |
1500 bal |
Çatdırılma |
1AZN=1 bal |
1 AZN=2.50 bal |
1500 bal |
Ev heyvanlar |
1AZN=1 bal |
1 AZN=2.50 bal |
1500 bal |
Geyim |
1AZN=1bal |
1 AZN=2.50 bal |
1500 bal |
Qeyd:
Qeyd ➜ Apple Pay və Google Pay vasitəsi ilə aparılan ödənişlərə görə keşbek, əməliyyatın təsdiqi (silinməsi) gəldikdən sonra əks olunacaq. Standart olaraq təsdiq prosesin icrasına 3 gün tələb olunur, amma nadir hallarda 35 günədək tələb oluna bilər.
Ölkədaxili və ölkəxarici əməliyyatlar, AZN kartlar, maksimal aylıq cash back məbləği yoxdur
Kateqoriyalar |
Kart vasitəsi ilə ödəniş, mil |
Apple Pay və Google Pay vasitəsi ilə ödəniş, mil |
Aylıq kategoriya üzrə maks. , mil |
YDM |
1AZN= 0,5 mil |
1 AZN=5 mil |
1500 mil |
Market |
1 AZN= 0.75 mil |
1 AZN=2.50 mil |
1500 mil |
Restoran |
1AZN=1 mil |
1 AZN=2.50 mil |
1500 mil |
Kitablar |
1 AZN=2.50 mil |
1 AZN=2.50 mil |
1500 mil |
İctimai nəqliyyat və qatar |
1 AZN=2.50 mil |
1 AZN=2.50 mil |
1500 mil |
Bərbər, Gözəllik salonları, Spa |
1 AZN=2.50 mil |
1 AZN=2.50 mil |
1500 mil |
Cinema |
1 AZN=5 mil |
1 AZN=5 mil |
1500 mil |
Digər |
1 AZN= 0.75 mil |
1AZN=1 mil |
- |
Electronics |
1AZN=1 mil |
1AZN=1.50 mil |
1500 mil |
Siğorta |
1 AZN= 0.75 mil |
1 AZN= 0.75 mil |
- |
Taxi |
1AZN=1 mil |
1 AZN=2.50 mil |
1500 mil |
Çatdırılma |
1AZN=1 mil |
1 AZN=2.50 mil |
1500 mil |
Ev heyvanlar |
1AZN=1 mil |
1 AZN=2.50 mil |
1500 mil |
Geyim |
1AZN=1 mil |
1 AZN=2.50 mil |
1500 mil |
Qeyd:
Card to Card: 4829,6536,6537,6538,6532
Government: 9211, 9222, 9223, 9311, 9399, 9402, 9405
Transportation: 4119, 4121, 4131, 4214, 4215, 4225, 4411, 4457, 4468,4789,4011,4111,4112,4784
Utilities: 4900
Cable/Satellite: 4899, 4814, 4816
Quasi Cash: 6540, 6012, 6050, 6051
Gambling: 7995,7801
ATM/POS Cash: 6010, 6011
Asan: 1100
**Note: All other payments, except for cashing out at an ATM, cash in POS and from card to card, credit payments, transport (except for air transportation), communications, utility and government payments are an exception. for all other payments, cashback will be credited according to the currency of the card. Cashback is not credited for transactions made through the Rabitabank Mobile Application.
Keşbek hesablanması üçün Plastik kartları arasında dəyişmək imkanı: