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Card type: VISA Rewards card, Mastercard World card
Annual fee for card preparation services: 10 AZN | 6 USD/EUR
If the card is lost, a service fee must be paid for the purchase of a new card.
Foreign currency payment conversion fee: 0.5%
SMS notification service: 1 AZN (monthly)
PIN change and removal services: free of charge
Kartmane Debit owners can use their safes free of charge for 1 month.
Card to Card:
To RB cards - Free of charge (via MB APP, UB, BOT channels)
RB cards - 0.5% min. 0.60 AZN/USD/EUR (via ATMs)
Cards of other domestic banks - 0.5% min. 0.60 AZN/USD/EUR (via MB APP, UB, BOT, ATM channels)
Withdrawal: Free withdrawal at any ATM in the country 5 times a month.
(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 50 AZN.
Calculation procedure:
Note:
⇒ Exceptions for turnover: Cash withdrawals at ATMs, Pos Cash, Card to Card, credit payments, transport (except air), communications, sweepstakes, government and utility payments, quasi-cash payments. Cashback is not credited for transactions made through the Rabitabank Mobile Application.
⇒ To receive a cashback in the amount of 40 AZN - 50 AZN, the average daily balance during this month (average daily balance for the month based on the number of working days) must be at least 150 AZN. Otherwise, the collected cashback is calculated as 40 AZN.
(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 200 AZN.
*Note:
⇒ Exceptions for turnover: Cash withdrawals at ATMs, Pos Cash, Card to Card, credit payments, transport (except air), communications, sweepstakes, government and utility payments, quasi-cash payments. Cashback is not credited for transactions made through the Rabitabank Mobile Application.
(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 50 AZN.
(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 5000 POINTS.
AZN |
Points |
Мinutes |
50 |
50 |
25 |
100 |
100 |
50 |
250 |
250 |
125 |
500 |
500 |
250 |
AZN |
Points |
Internet |
100 |
100 |
1 GB |
300 |
300 |
3 GB |
600 |
600 |
7 GB |
Exceptions for turnover: Cash withdrawals at ATMs, Pos Cash and Card to Card, credit payments, transport (except air), government, communications (including mobile operators), Quasi Cash payments. The turnover on other payments is taken into account. When using Azercell package, unused points within a month or remaining points after use are transferred to the next months.
1 AZN = 0.50 miles is calculated for all payments made at petrol stations without a minimum turnover requirement.
1 AZN = 0.75 miles is credited for insurance payments without a minimum turnover requirement.
1AZN = 1 mile is calculated for all payments made on other transactions, with no minimum turnover requirement.
1 AZN = 0.75 miles is calculated on notary fees without a minimum turnover requirement.
Miles earned within the Miles package are valid for 24 months from the date of accrual. You can exchange spent funds for MILES within 30 days after making the corresponding expenses (payment for air tickets, hotel and car rental) under the Miles package. Calculation form for exchanging miles for any means of payment (payment for air tickets, hotels and car rental): 1 AZN = 50 miles.
If 3000 AZN circulates only in one of the three months during the first three months from the date of purchase, when referring to the Miles package, the client will receive 1500 miles as a gift. The 1,500 miles earned as a gift when using the Miles package are fully or partially debited from the client's miles account balance when switching from the Miles package to other cashback 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.
Cinema 1 AZN = 5 miles Cashback - is calculated for cinema payments without a minimum turnover requirement (cashback amount max 30 AZN = 1500 miles).
Book 1 AZN = 2.50 mil Cashback - is calculated for book payments without a minimum turnover requirement (cash back amount max 20 AZN = 1000 mil).
Public Transport 1 AZN=2.50 miles Cashback - is calculated for public transport and train payments without a minimum turnover requirement (cash back amount max 20 AZN=1000 miles).
MCC: 4011,4111,4112,4784,4131.
Barber, Beauty salons, Spa 1 AZN=2.50 miles Cashback - is calculated for Barber, Beauty salons, Spa payments without minimum turnover requirement (cash back amount max 20 AZN=1000 miles).
Exceptions for turnover: Cash withdrawals at ATMs, Pos Cash, Card to Card, credit payments, transport (except air), communications, sweepstakes, government and utility payments, quasi-cash payments. Cashback is not credited for transactions made through the Rabitabank Mobile Application.
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.
During the month (from the 5th day of the current month to the 5th day of the next month) you can change any number of options in any direction between "Petrol Stations & Restaurants", "All Payments", "Market & Restaurants" and "Azercell", "Miles" via mobile app. Changes to the tariff package made during the 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 customers with the "All payments" tariff package.
Ability to switch between packages for cashback accrual:
Changes made during the month will take effect from the following month:
Validity of cashback bonuses:
Bonuses are accrued not from the date of the client's transaction, which is the basis for the bonus accrual, but from the date the transaction is reflected in the internal system of the bank. If the write-off in connection with the operations carried out for the current month is carried out within the first 3 working days of the next month, in this case, bonuses will be accrued for the current month. Bonuses will be calculated for the next month if the deletion for the current month is received after the first 3 business days of the next month. Trades that are suspended, incomplete or canceled for any reason will not be credited, and accrued bonuses will be cancelled. Bonuses accumulated before the last day of the year (before the end of the day on December 31) are reset to zero if they are not used by the end of March 1 of the next year.
Tariffs for Kartmane services:
✔ The service fee for each subsequent year on the card is charged by the bank unilaterally from the remaining amount of the card. Accrued bonuses can be unilaterally directed by the Bank to pay the card maintenance fee. In each subsequent year, if the service fee is not paid within 3 months, the card is blocked (the card is released from blocking only after payment of the service fee). Cards that have not paid a service fee within 6 months are closed and canceled.
✔ For a Kartmane card opened for the purpose of transferring savings interest, no commission is charged during the interest transfer period. Points on the card account not reflected in these terms and conditions will be regulated in accordance with the "Tariff table of transactions with payment cards" available as of the current date.
✔ The Client can stop the accrual of interest on the Kartmane account by contacting the relevant branch / branch of the bank, and if the Bank offers it, using the digital banking service offered by the Bank, and resume accruing interest again in the same way.