Kartmane Mastercard Black Edition

For customers who choose monthly payment, the average monthly balance is 10,000 AZN/USD/EUR or more, or the monthly turnover (the funds received into the account are not taken into account and non-cash retail turnover is taken into account) 1,200 AZN/USD/EUR or more in the same month service fee is not charged.

After one year from the contract date, the balance on the card account is 5,000 AZN/USD/EUR and on the card is 5,000 AZN/USD/EUR (funds received into the account are not taken into account and non-cash retail turnover is taken into account) and in case of excess, no service fee is charged for the next year. The price of MC Black cards purchased before 20.05.2025 is 199 AZN/120USD/EUR and the terms are the same as Visa Infinite.

Premium Kartmane Credit holders can use their safes for free for 3 months.

When the usage period of your Kartmane Visa Infinite or Kartmane Mastercard Black Edition card expires, please follow the steps below:

• Visit any Rabitabank branch with your ID card.
• Apply for the extension of the card usage period.
• Once the new card is activated, the old card will be automatically deactivated.
• If there is any balance, cashback, or deposit remaining on the card, and your application is submitted within one month, the relevant funds will be transferred to your new card.

Annual service fee

Kartmane Visa Infinite — 299 AZN / 170 USD / EUR
Kartmane Mastercard Black Edition — 99 AZN / 60 USD / EUR

Note

If, on the expiry date of the card usage period, your card has available funds of 5,000 AZN or more, or if you meet the required annual cashless turnover condition, the annual service fee will not be charged.

For MC Black cards issued before 20.05.2025, the fee is 199 AZN / 120 USD / EUR, and the terms are the same as those of Visa Infinite.

Premium Debet ✔

• For customers who choose monthly payment, the average monthly balance is 10,000 AZN/USD/EUR or more, or the monthly turnover (the funds received into the account are not taken into account and non-cash retail turnover is taken into account) 1,200 AZN/USD/EUR or more, in the same month service fee is not charged.
• After one year from the date of the contract, the balance on the card account is 15,000 AZN/USD/EUR or the annual turnover is 15,000 AZN/USD/EUR (funds received into the account are not taken into account and non-cash retail turnover is taken into account) and in case of excess, no service fee is charged for the next year.

Premium Credit ✔

• For customers who choose monthly payment, the average monthly balance is 10,000 AZN/USD/EUR or more, or the monthly turnover (the funds received into the account are not taken into account and non-cash retail turnover is taken into account) 1,200 AZN/USD/EUR or more, in the same month service fee is not charged.
• After one year from the date of the contract, the balance on the card account is 15,000 AZN/USD/EUR or the annual turnover is 15,000 AZN/USD/EUR (funds received into the account are not taken into account and non-cash retail turnover is taken into account) and in case of excess, no service fee is charged for the next year.
• Premium Kartmane Credit holders can use their safes for free for 3 months.

Premium Debit ✔

• Premium Kartmane cards interest rate calculated on the balance of funds (annual): AZN 6% | 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: 50,000 AZN/USD

Premium Credit ✔

• Premium Kartmane cards interest rate calculated on the balance of funds (annual): AZN 6% | USD 0.25% | EUR 0%
• The minimum amount for which interest will be calculated on each card: 100 AZN/USD

The maximum amount for which interest will be calculated on each card:

• AZN Cards - 50,000 AZN
• USD Cards - 50,000 USD

Capitalization: Monthly capitalization with daily interest calculation (Added on the first working day of each subsequent month).

Note: When ordering a card online, the income amount calculated based on the balance on the card begins to be calculated from the moment the card is delivered.

From airport business lounges:

• MC Black - Free 10 times per year (only cardholder can use) / 30 USD / 28 EUR depending on the country (for each subsequent entry)
• Visa Infinite – Free 6 times per year (cardholder only) / USD 32 (for each subsequent entry)

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

• Cafes/restaurants: 5811,5812,5813,5814,1339,1340,1341,1347, 1349,1399, 2002, 2340
• PS: 5542,5172,5983,5541,9752
• Market/supermarket: 5411,5422,5441,5451,5462,5499,5921
• Insurance: 6211, 6300
• Notary: 8111
• Cinema: 7832
• Books: 5942
• Barber, Beauty salons, Spa: 7230,7297,7298
• Airline, Hotel, Car rental - PDF

• Holders of Kartmane debit cards whose currencies are USD and EUR will receive a 0.5% cashback for every transaction they make with Kartmane.
• There is NO maximum monthly cashback amount for Kartmane Credit (cards in USD and EUR).
• Cashback is not credited for Kartmane Debit cards in foreign currency - USD and EUR - in the bank's partner network.
• **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.

• Cashback for payments made via Apple Pay and Google Pay will appear upon confirmation (write-off) of the transaction. By default, the approval process requires 3 days for execution, but in rare cases, it can take up to 35 days. 
• Within a month (from the 5th of the current month to the 5th of the next month), the client can change any number of options in any direction between "Green" and "Miles" packages through Mobile Banking. Changes to the tariff package made within a month come into force from the next month. At the first change between the specified packages, the changes in the tariff package take effect immediately. Cards are initially provided to clients with the "Green" tariff package.
• The opportunity to change the cashback package for free is provided only once.
• For each subsequent change, a fee of 4.99 manats is charged. (Regardless of the number of tariff package changes during the month, the service fee is charged once. If the tariff package available at the beginning of the current month and the tariff package at the time of the transition to the next month remain the same, the commission charged for the tariff change during the month is refunded to the client, and the first-time free change is restored when the limit is used. If there are insufficient funds on the account, it is impossible to change the option)
• The cashback period for the next month continues with the last active option ("Green" or "Miles") of the client.       
• Changes within a month (from the 5th day of the current month to the 5th day of the next month) apply only to the next period.
• Cashback bonuses will be calculated on the last business day of the month and credited to the customer's account no later than the 5th business day of the following month.
• Within a month (from the 5th day of the current month to the 5th day of the next month) "Green" package to the "Miles" packages through the Mobile Banking, the earned points are automatically transferred to the AZN card account.
• When switching from  "Miles" packages to the "Green" package within a month, the earned points (miles) must be changed by paying for "air ticket", "hotel" and "rent a car" on the "Miles" package. Earned points (miles) are "Miles" package for "air ticket", "hotel" or "rent a car" payments at a ratio of 1/50.  Bonuses earned over 5000 miles (provided by the bank only) are canceled when the earned miles are transferred from the "Miles" package to other packages. When switching from the "Cashback" package to the "Miles" packages and vice versa, the cashback package to be switched will be credited until it takes effect, and the remaining points (miles) will be transferred to the new cashback package on the basis of the above calculation. When using cashback packages, unused points (miles) during the month or remaining points (miles) after their use are transferred to the following months.
• Upon expiration of the card, points (miles) accrued under packages are canceled if the card is not renewed.
• Points (miles) earned during payments are canceled when the refund is processed.
• When using the  "Miles" packages, points accrued based on the cashback interest rates established in accordance with the agreement reached with the bank's partner network are calculated in the amount of 50 times.
• Miles earned within the "Miles" package are valid for 24 months from the start date of accrual.
• You can exchange spent funds for MILES within 30 days after making the corresponding expenses (payment for air tickets, hotel and rent a car) under the "Miles" package.
• Calculation form for exchanging miles for any means of payment (payment for air tickets, hotels and rent a car): 1AZN=50 miles
• Within the first three months from the date of switching to the "Miles" package, the client will earn 1500 miles as a gift if 3000 AZN is circulated in just one of the three months. 1500 miles earned as a gift when using the "Miles" package are fully or partially written off from the client's miles account balance when switching from the "Miles" package to other packages within 12 months from the date of its purchase. If there are not enough miles on the balance of miles of the client, additional fees and commissions will not be charged to the client.
• From 01.05.2022, cashback will not be credited to two or more existing or new MC World/Visa Rewards (debit or credit) or Master Card Black/Visa Infinite (debit or credit) plastic cards obtained in new AZN currency.
• From 01.05.2022, cashback accrual for two or more MC World/Visa Rewards (debit or credit) or two or more Master Card Black/Visa Infinite (debit or credit) plastic cards will be credited to only 1 (one) card determined by the client at his choice (This rule applies to existing and cards obtained in new AZN currency).
• Within a month (from the 1st to the 31st of the current month), the Branch may change the cashback accrual once from one card to another at the client's choice. Changes made within a month will take effect from the following month.

To familiarize yourself with our tariff schedules, please visit: www.rabitabank.com/tarifler

Maximum amount for the “Green Cashback” package – applies to domestic and international transactions with AZN cards. Cashback is calculated for payments of minimum 10 AZN and above. The maximum monthly cashback amount is 200 AZN.

Note: Cashback for payments made via Apple Pay and Google Pay will be reflected after the transaction is confirmed/settled. As a standard, the confirmation process takes 3 days, but in rare cases it may take up to 35 days.

Calculation rules

Additional terms

If the customer switches from the “Green Cashback” package to the “Miles” package via Mobile Banking during the month, from the 5th day of the current month to the 5th day of the following month, the earned points are automatically transferred to the AZN card account as a monetary amount.

During the use of the “Green Cashback” package, unused points or remaining points after partial use are carried forward to the following months.

Turnover exclusions: ATM cash withdrawals, POS cash transactions, Card-to-Card transfers, loan repayments, transport payments, except air transport, telecommunications, betting/gambling transactions, government and utility payments, and quasi-cash transactions are excluded from the cashback calculation. Cashback is calculated on other eligible payments.

Cashback is not calculated for transactions made via the Rabitabank mobile application / Rabita Mobile.

Maximum amount for the “Miles” cashback package – applies to domestic and international transactions with AZN cards. Miles are calculated for payments of minimum 10 AZN and above. The maximum monthly cashback amount is set at 25,000 miles.

Note: Miles for payments made via Apple Pay and Google Pay will be reflected after the transaction is confirmed/settled. As a standard, the confirmation process takes 3 days, but in rare cases it may take up to 35 days.

Calculation rules