Card type and service fee

Premium Debet ✔

Card type: VISA Infinite Kartmane, Mastercard Black Kartmane

The cost of the service for issuing a Premium Kartmane card:

  • The card is issued free of charge upon depositing a minimum amount of 15,000 AZN/USD/EUR to the card account.
  • Visa Infinite 299 AZN/170 USD/EUR or monthly 29 AZN, 15 USD/EUR
  • Mastercard Black 199 AZN/120USD/EUR or monthly 19 AZN, 12USD/EUR
  • When opening an account with Cartman, as well as before debiting cards ordered online from the cash desk (before the client picks up the card), if the Client initially deposits at least 15,000 AZN/USD/EUR into the account, the annual service fee for the first year on this account, Kartmane is not withheld. If the card is lost, a service fee must be paid for the purchase of a new card. Card validity: 60 months

Premium Credit ✔

Card type: VISA Infinite Kartmane, Mastercard Black Kartmane

  • The card is issued free of charge upon depositing a minimum amount of 15,000 AZN/USD/EUR to the card account.
  • Visa Infinite 299 AZN/170 USD/EUR or monthly 29 AZN, 15 USD/EUR.
  • Mastercard Black 199 AZN/120USD/EUR or monthly 19 AZN, 12USD/EUR.
  • When opening an account with Cartman, as well as before debiting cards ordered online from the cash desk (before the client picks up the card), if the Client initially deposits at least 15,000 AZN/USD/EUR into the account, the annual service fee for the first year on this account, Kartmane is not withheld. If the card is lost, a service fee must be paid for the purchase of a new card. Card validity: 60 months
Terms of use for Premium Кartmane Credit

 

 
  Cash Transactions
  Cashless Transactions
Annual interest rate
✔ 25% (EUR and USD, 10%)
✔ 25% (EUR and USD, 10%)
Grace Period
✔ No
✔ Up to 100 days*
Minimum Payment
✔ At the amount of 5% of the credit balance
✔ At the amount of 5% of the credit balance
Payment Date
✔ From the 1st to the 10th of each month
✔ From the 1st to the 10th of each month
Delay Interest
✔ 36 %, if the minimum payment is not made
✔ (15% in EUR and USD cards)
 
✔ 25% (10% in EUR and USD cards), if the minimum payment is not made,
✔ 36% (15% in EUR and USD cards), if the minimum payment is not made after the end of the grace period
İnterest to be charged on the amount 
✔ 25% (20% - EUR and USD)
✔ 25% (10% - EUR and USD)
Term of spending
✔ During the month
✔ During the month
Account cut-off date
✔ Last business day of each month
✔ Last business day of each month
Last payment date
-
✔ 10th of the next 3rd month
Cashing Limit
✔ 100%

-

Cashing Commission
✔ 2%

-

Card Blocking
✔ 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)               
✔ 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)
Extending the Period
 
✔ 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.
 
 
 
 
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.
Purchasing a card

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.
Calculated interest rates

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
Card services

Premium Debit ✔

  • Capitalization: Monthly capitalization with daily interest calculation (last calendar day of each month).
  • Conversion commission for payments made in foreign currencies with Premium Kartmane cards in AZN currency - absent
  • Conversion commission for payments made in foreign currencies with Premium Kartmane cards in foreign currency – 0.5%
  • SMS Alert Service - FREE!
  • PIN Change and PIN Erase Services - FREE!
  • Only Visa Infinite cardholders can use unlimited Fast Line service for free. In addition, Visa Infinite cardholders receive 10 free Covid-19 tests per year**.
  • Premium Kartmane Debit owners can use their safes for 3 months for free.

Fund Cashing:

  • On Kartmane debit (MC Black, Visa Infinite) cards exempted from the annual service fee with initial deposit, if the average balance amount is less than 15,000 AZN/USD/EUR within 1 (one) month from the date of initial deposit, only in ATM, POS cashing and a commission of 2% of the cashed amount is applied in the Card to Card operation.
  • The commission is charged on the next working day after the end of 1 (one) month.
  • The commission is applied only to the part that is less than the required average balance amount of 15,000 AZN/USD/EUR.
  • 2% commission is not applied to the annual income for the following years.
  • Cashing out at any ATM in the country - 5 times a month for free.
  • Cashing out at any ATM abroad - 1,000 AZN or 500 USD/EUR for a year for free.

Card to Card:

  • RB cards - Free (through MB APP, UB, BOT channels)
  • RB cards - 0.5% min. 0.60 AZN/USD/EUR (via ATM channels)
  • Domestic cards of other banks - 0.5% min. 0.60 AZN/USD/EUR (through MB APP, UB, BOT, ATM channels)

Premium Credit ✔

  • Capitalization: Monthly capitalization with daily interest calculation (last calendar day of each month).
  • Conversion commission for payments made in foreign currencies with Premium Kartmane cards in AZN currency - absent
  • Conversion commission for payments made in foreign currencies with Premium Kartmane cards in foreign currency - 0.5%
  • SMS Alert Service - FREE!
  • PIN Change and PIN Erase Services - FREE!

Card to Card:

When you have your own funds:

  • RB cards - Free (through MB APP, UB, BOT channels)
  • RB cards - 0.5% min. 0.60 AZN/USD/EUR (via ATM channels)
  • 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)

Cash Out Funds:

From Rabitabank ATMs and POS-terminals

When you have your own funds:

  • ATM 0.5% min. 0.8 AZN/USD/EUR
  • POS 1% min. 0.80 AZN/USD/EUR

Credit line:

  • ATM 1% min. 0.80 AZN/USD/EUR
  • POS 2% min. 0.80 AZN/USD/EUR

ATM and POS terminals of other financial and credit institutions of the country

When you have your own funds:

  • ATM 0.5% min. 2 AZN/USD/EUR
  • POS 1.5% min. 5 AZN/USD/EUR

Credit line:

  • ATM 1.5% min. 2 AZN/USD/EUR
  • POS 2% min. 5 AZN/USD/EUR

From ATM and POS terminals of foreign financial and credit institutions:

Own funds:

  • ATM 1.5% min. 3 AZN/USD/EUR
  • POS 1.5% min. 5 AZN/USD/EUR

Credit line:

  • ATM 2% min. 3 AZN/USD/EUR
  • POS 2% min. 5 AZN/USD/EUR
Airport services

From airport business lounges:

  • MC Black - Free 2 times per year (cardholder can also use for guest) / 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)
Cashback 1 │ Petrol Stations & Restaurants

(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 50 AZN.

Calculation procedure:

Petrol station cashback 10% - applied to the amounts spent at gas stations of this turnover, if the total turnover on the card is at least 1000 AZN per month.

⇒ Customers with a turnover of 1000 AZN or more must exclude at least 500 AZN of their transactions from the MCC indicated in the table in order to receive bonuses for spending in petrol station chains.

Petrol station cashback 5% - applied to the amounts spent at petrol stations of this turnover, if the total turnover of the card is at least 250 AZN per month. Customers with a turnover of 250 to 800 manats must exclude at least 50 manats of their transactions from the MCC indicated in the table in order to receive bonuses for spending in petrol station chains.

5% cashback - with a monthly turnover of 800 thousand AZN, along with the amount of 10% cashback earned in PS, the cashback applied to the amounts spent in restaurants is 800 AZN, and for customers whose turnover is higher, at least 450 of their transactions on earning bonuses for spending in petrol station chains, AZN must be excluded from MCC transactions mentioned in the table below.

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. “All payments” (domestic and international transactions, AZN cards) the maximum amount of cashback per month is 200 AZN.

Cashback 2 │ All payments

(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 200 AZN.

Calculation rules: 1% cashback is accrued on all payments made at petrol stations, without a minimum turnover requirement.

1.5% cashback applies to insurance claims.

2% cashback applies to all payments made on other transactions without a minimum turnover requirement.

Notary fees are charged at 1.5% cashback with no minimum turnover requirement.

Cashback 10% Cinema - charged for paying for films without a minimum turnover requirement (cashback amount is not more than 30 AZN)

Cashback 5% Book - calculated without the requirement of a minimum turnover (the amount of cashback is not more than 20 AZN).

Cashback 5% Public transport and train - accrued without limiting the minimum turnover (cashback amount is not more than 20 AZN).

Cashback 5% Hairdressing salon, Beauty salon, SPA - is credited without limiting the minimum turnover (cashback amount is not more than 20 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.

Cashback 3 │ Markets and Restaurants

(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 50 AZN.

Market 2% - cashback is applied to the amounts spent in the markets if the monthly turnover is 300 AZN.

For customers with a turnover of 300 AZN and above, transactions worth at least 50 AZN must be in the exceptions from circulation, gas stations and the Market in order to receive bonuses for spending in market networks.

Market 5% - cashback is applied to the amounts spent in the markets if the monthly turnover is 600 AZN.

For customers with a turnover of 600 AZN and above, transactions in the amount of at least 100 AZN must be excluded from circulation, gas stations and markets in order to receive bonuses for spending in market networks.

Market 5% and Restaurants 5% - Cashback is applied to amounts spent in restaurants, along with 5% cashback earned in markets, if the monthly turnover is 800,000 manat.

For customers with a turnover of 800 AZN and above, transactions in the amount of at least 150 AZN in order to receive bonuses for spending in markets and restaurants must be in other places, except for the turnover of a restaurant, petrol station and market. Operations in the amount of at least 200 AZN on premium cards must be made in other places, except for a circulation, a restaurant, a petrol station and a market.

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.

Cashback 4 │ Azercell

(Domestic and international transactions, AZN cards) The maximum monthly cashback amount is 5000 POINTS.

Calculation rules: 1 AZN = 0.50 points cashback is calculated for all payments made at petrol stations, without a minimum turnover requirement.

Cashback 1 AZN = 0.75 points is accrued on insurance payments without a minimum turnover requirement.

Cashback 1AZN = 1 point is calculated for all payments made on other transactions without a minimum turnover requirement.

Cashback 1 AZN = 0.75 points is calculated for notary fees, with no minimum turnover requirement. Azercell minutes and Azercell internet package will be calculated according to the following table and can only be used within the country for 30 days:

 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

 

Cinema 1 AZN = 5 points Cashback - is calculated for movie payments without a minimum turnover requirement (cash back amount max 30 AZN = 1500 points)

Book 1 AZN = 2.50 points Cashback - is calculated for book payments without a minimum turnover requirement (cash back amount max 20 AZN = 1000 points).

Public Transport 1 AZN = 2.50 points Cashback - is calculated for public transport and train payments without a minimum turnover requirement (cash back amount max 20 AZN = 1000 points).
 

Barber, Beauty salons, Spa 1 AZN=2.50 points Cashback - is calculated for Barber, Beauty salons, Spa payments without minimum turnover requirement (cash back amount max 20 AZN=1000 points).

Within a month (from the 5th day of the current month to the 5th day of the next month), when the subscriber switches from the "Petrol Stations and Restaurants", "All Payments" and "Markets and Restaurants" packages to the "Azercell" package through the mobile application, earned points are automatically transferred to AZN card account. When switching from "Azercell" packages to "Petrol Stations&Restaurants", "All Payments" and "Markets&Restaurants" packages within a month, earned points must be exchanged for Azercell call minutes/Internet package within "Azercell" package. If it is not changed, it is transferred to a switchable cashback package at a ratio of 1/50. When using the Azercell package, points are awarded based on the cashback interest rates established in accordance with the agreement reached with the bank's partner, the network is calculated in the amount of 50 times.

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.

Cashback 5 │ Miles

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.

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).

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).

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.

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.

MCC Exception Codes

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
Utilities: 4900
Cable/Satellite: 4899, 4814, 4816
Quasi Cash: 6540, 6012, 6050, 6051
Gambling: 7995,7801
ATM/POS Cash: 6010, 6011
Asan: 1100

MCC codes by turnover
  • 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
  • Public transport and train: 4011,4111,4112,4784
  • Barber, Beauty salons, Spa: 7230,7297,7298
  • Airline, Hotel, Car rental - PDF
Top-up via terminal
  • Through payment terminals with Kartmane Debet card and current account of individuals in cash (only in AZN currency). The assigned limit is adjusted based on the customer's FIN code.
  • Free when depositing up to AZN 5,000 per month
  • 0.3% for every contribution over AZN 5,000 per month
Payment rules for USD, EUR cards
  • 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 Debit (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.

Important notes about cashback packages

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.

  • 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 returned to the client, the 1st 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 ("Petrol Stations & Restaurants" or "All Payments" or "Market & Restaurants" or "Azercell" or "Miles") of the client.
  • Changes during the 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 credited on the last working day of the month and credited to the bonus account from the next month, but in any case no later than the 5th day of the month.
  • When switching from an existing cashback package to another cashback package, the points collected during the current month are calculated according to the type of cashback that is switched (your new choice). Existing points that do not meet the conditions of the new cashback package will be reset.

  • Within a month (from the 5th day of the current month to the 5th day of the next month), if the subscriber switches from the “Petrol Stations & Restaurants”, “All Payments”, “Market & Restaurants” packages to the “Azercell” or “Miles” package through a mobile application, earned points will be credited to the card account automatically.
  • When switching from "Azercell" or "Miles" packages to "Gas Stations&Restaurants", "All Payments", "Market&Restaurants" packages, earned points (miles) are transferred within a month to Azercell minutes/Internet package within "Miles" and "Air ticket" packages , "hotel" and "car rental" must be paid and changed. Earned points (miles) can be transferred to "Azercell Minutes/Azercell Internet Package" package within "Azercell" package or to pay for "air ticket", "hotel" or "car rental" within "Miles" package at the exchange rate 1/ 50, if not changed, is transferred to the cashback package. Points (miles) earned when switching between "Azercell" and "Miles" packages are transferred to the new package as is. Bonuses earned over 5,000 miles (provided by the bank only) will be canceled when the miles earned are transferred from the Miles package to other Cashback packages. When switching from “Petrol Stations & Restaurants”, “All Payments”, “Markets & Restaurants” packages to “Azercell” or “Miles” packages and vice versa, the transferred cashback package will be credited until it takes effect, and the remaining points (miles) will be a new Cashback for the basis of the above calculation. When using Cashback packages, unused points (miles) during the month or remaining points (miles) after use are transferred to the following months. Upon expiration of the card, points (miles) accrued under Cashback packages are canceled if the card is not renewed. Points (miles) earned during payments are canceled when the refund is processed.

Ability to switch between packages for cashback accrual:

  • From 05/01/2022, cashback is credited only on the first ordered (active) card.
  • Starting from 05/01/2022, cashback will not be credited for 2 or more MC World/Visa Rewards (green debit) plastic cards purchased with the new AZN currency.
  • From 05/01/2022, cashback accrual on 2 or more debit plastic cards MC World / Visa Rewards (green) will be accrued only on 1 (one) card, determined at the choice of the client (This rule applies to existing cards and those purchased with the new currency AZN ).
  • Within a month (from the 1st to the 31st of the current month), the client can change the cashback accrual from one card to other cards once through the Call Center.

Changes made during the month will take effect from the following month:

  • The ability to change the cashback package for free when using the card for the first time.
  • For each next time, a commission of 5 manats is charged. (It is not possible to change the package if there are not enough funds on the account).
  • Changes during the month apply only to the next period (from the 1st day of the 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.

Premium Кartmane service fee rates:

  • The service fee for each subsequent year on the card is unilaterally charged by the bank from the remaining amount of the card.
  • The calculated bonuses can be unilaterally directed by the Bank to pay the service fee for the card.
  • The card is blocked if the service fee is not paid within 3 months of each subsequent year (The card is unblocked only by paying the service fee)
  • Cards that do not pay the service fee within 6 months are closed and canceled.
  • For the Kartmane card opened for the purpose of transfer of savings interest, commission is not charged during the period of interest transfer.
  • Points on the card account that are not reflected in these terms and conditions will be regulated according to the "Tariff table for transactions with payment cards" available on the current date.
  • The customer can suspend the calculation of interest on the Kartmane account by approaching the relevant branch/department of the bank, and if the Bank offers it, using the offered digital banking service, by applying to the Bank, and resuming the calculation of interest in the same way.