Up to 40% cashback in partner network

Calculation procedure:

• Cashback YDM 10% - applied to the amounts spent at the gas station of this turnover, if the total turnover of the card is at least 800 AZN per month.
• Customers with a turnover of 800 AZN or more must exclude at least 400 AZN of their transactions from the MCC indicated in the table in order to receive bonuses for spending in gas station chains.
• YDM 5% Cashback - applied to the amounts spent at the gas station of this turnover, if the total card turnover 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 gas station chains.
• Restaurants 5% cashback - applies to amounts spent in restaurants along with 10% cashback earned at gas stations, with a monthly turnover of 800,000 manats.
• To receive bonuses for spending in gas station networks for customers with a turnover of 800 AZN or more, it is necessary to exclude at least 450 AZN of their transactions from MCC transactions listed in the table below.

*Note:

• Turnover requirements are taken into account - cash ATMs, Pos Cash, Card to Card, credit payments, transport (except air transport), communications, sweepstakes, government and utility payments, quasi-cash payments, excluding other payments. Cashback is not credited for transactions made through the Rabitabank Mobile Application.
• 40 AZN - 50 AZN of collected cashback, the average daily balance during this month (average daily balance for the month, taking into account the number of working days) must be at least 150 AZN. Otherwise, the collected cashback is calculated as 40 AZN.

To earn bonuses for spending in YDM networks for customers with a turnover of 800 AZN and more, at least 450 AZN of their transactions must be excluded from the transactions on MCCs listed in the table below.
Premium cards must have transactions of at least 100 azn, Exclusions on Circulation and YDM elsewhere.

Note:

Circulation requirements - ATM cash, Pos Cash, Card to Card, loan payments, transport (except for air transport), communications, betting games, state and utility payments, Quasi cash payments, except for other payments are taken into account. Cashback is not calculated for operations carried out through Rabitabank's Mobile app.

In order to get 40 AZN - 50 AZN cashback, the average daily balance during that month (average daily balance for a month based on the number of working days) must be at least 150 AZN. Otherwise, the collected Cashback is calculated as 40 AZN.

• 1% cashback is calculated on all payments made in PS, with no minimum turnover requirement.
• 1.5% cashback is calculated on insurance payments
• 2% cashback is calculated on all payments made on other transactions, with no minimum turnover requirement.
• Notary fees are charged 1.5% cashback with no minimum turnover requirement

*Note: Circulation requirements - ATM cash, Pos Cash, Card to Card, credit payments, transport (except air transport), communications, betting games, state and utility payments, Quasi cash payments, except for other payments are taken into account. Cashback is not calculated for operations carried out through Rabitabank's Mobile app.

Market 2% - Cashback is applied to the amounts spent in the markets if the monthly turnover is 300,000 manats. For customers with a turnover of 300 manats and more, transactions in the amount of at least 50 manats must be in circulation exceptions (petrol stations and markets in order to receive bonuses for spending). Transactions in the amount of at least 100 AZN on premium cards must be made in other places, except for circulation, Petrol Stations and Market.

Market 5% - cashback applicable to the amounts spent in the markets if the monthly turnover is 600 thousand AZN. For customers with a turnover of 600 AZN and above, transactions in the amount of at least 100 AZN must be in Circulation exceptions, petrol stations and markets in order to receive bonuses for spending in networks. Transactions in the amount of at least 150 AZN on premium cards must be in other places, except for circulation, Petrol Stations and Market.

Market 5% and Restaurants 5% - In case of a monthly turnover of AZN 800,000, cash back applied to the amounts spent in restaurants at the same time as the 5% cash back earned in markets. For customers with a turnover of 800 AZN and above, transactions of at least 150 AZN in order to earn bonuses for spending in the Market and Restaurant chains must be in other places, except for the Circulation exceptions, Restaurant, YDM and Market. Transactions in the amount of at least 200 AZN on premium cards must be made in other places, except for circulation, Restaurant, YDM and Market.

*Note: Circulation requirements - ATM cash, Pos Cash, Card to Card, credit payments, transport (except for air transport), communications, betting games, state and utility payments, Quasi cash payments, except for other payments are taken into account. Cashback is not calculated for operations conducted through Rabitabank's Mobile app.

• AZN 1 = 0.50 points cashback is calculated for all payments made in YDMs without minimum turnover requirement.
• 1 AZN = 0.75 points cashback is calculated for insurance payments without minimum turnover requirement
• 1AZN=1BAL cashback is calculated for all payments made on other transactions, without a minimum turnover requirement.
• 1 AZN = 0.75 points cashback is calculated for notary fees without minimum turnover requirement

• 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 “YDM&Restaurants”, “All payments” and “Markets&Restaurants” packages to the “Azercell” package through Mobile Banking, the points earned are automatically transferred to AZN card account.
• When switching from "Azercell" packages to "YDM&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 you do not change it, then it goes into the Cashback package, which is switched at the rate of 1/50.
• When using the Azercell package, points accrued on the basis of cashback interest rates established in accordance with the agreement reached with the partner networks of the bank, are awarded in the amount of 50 times
• Exceptions for circulation: cash at ATMs, Pos Cash and Card to Card, credit payments, transport (except air transportation), government, communications and housing and communal services (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 = 0.75 mil cashback is calculated for notary fees, without minimum turnover requirement
• Miles earned under the "Cash Back-5" package are valid for 24 months from the date of collection.
• It is possible to change the spent funds into MILES within 30 days of making the relevant expenses (air ticket, hotel and rent a car payment) under the "Cash Back-5" package.
• Calculation form to exchange miles for any means of payment (air ticket, hotel and rent a car payment): 1 AZN=50 MILES
• During the first three months from the date of purchase of the link to the "Cash Back-5" package, if AZN 3,000 is circulated in only one of the three months, the customer will receive 1,500 miles as a gift. 1,500 miles earned as a gift during the use of the "Cash Back-5" package are fully or partially deleted from the client's miles account balance when switching from the "Cash Back-5" package to other "Cash Back" packages within 12 months from the date of acquisition. If there are not enough miles in the customer's miles balance, the customer is not charged additional fees and commissions.

• Turnover requirements are taken into account - cash ATMs, Pos Cash, Card to Card, credit payments, transport (except air transport), communications, sweepstakes, government and utility payments, Quasi cash payments, excluding other payments. Cashback is not credited for transactions carried out through the Rabitabank Mobile Application.
• All other payments other than cash at an ATM, cash at POS and card to card, credit payments, transport (except air transport), communications, betting, utility and government payments, and quasi-cash payments will be credited in accordance with the currency of the card . Cashback is not credited for transactions carried out through the Rabitabank Mobile Application.
• 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 change and choose for free 1st time when using the card.
• For each subsequent visit, 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 fee charged for changing the tariff during the month is returned to the client , 1st time the change is free of charge is restored when the option limit is used, if there are not enough funds on the account, the change of the option is not possible)
• The cashback period for the next month continues with the last active option ("YDM and Restaurants" or "All Payments" or "Markets and Restaurants" or "Azercell" or "Miles") for the client's calendar month.
• 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 are 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 earned in the current month are calculated according to the type of cashback being switched.

• Dövriyyə üzrə tələblər - ATM cash, Pos Cash, Card to Card, kredit ödənişləri, nəqliyyat (hava nəqliyyatı istisna) rabitə, mərc oyunları, dövlət və kommunal ödənişləri, Quasi cash ödənişləri istisna olaraq, digər ödənişlər üzrə dövriyyə nəzərə alınır. Rabitəbankın Mobil app vasitəsi ilə aparılan əməliyyatlara görə Cashback hesablanmır.
• ATM Cash, POS Cash və Card to Card, kredit ödənişləri, nəqliyyat (hava nəqliyyatı istisna), rabitə, mərc oyunları, kommunal və dövlət ödənişləri və Quasi cash ödənişləri istisna olmaqla, bütün digər ödənişlər üzrə kartın valyutasına uyğun olaraq cashback mədaxil ediləcəkdir. Rabitəbankın Mobil app vasitəsi ilə aparılan əməliyyatlara görə Cashback hesablanmır.
•  Qeyd edilən paketlər arasında ilk dəfə dəyişiklik edilən zaman tarif paketi dəyişiklikləri dərhal qüvvəyə minir. Kartlar müştərilərə ilkin olaraq “Bütün ödənişlər” tarif paketi ilə təqdim edilir. 
• Kartı istifadə etdiyiniz müddətdə 1-ci dəfə pulsuz dəyişib seçim etmə imkanı.

• Hər növbəti dəfəyə görə 4,99 manat komissiya tədbiq edilir. (Ay ərzində tarif paketinin dəyişmə sayından asılı olmayaraq xidmət haqqı bir dəfə tutulur. Cari ayın əvvəlinə mövcud olan tarif paketi ilə növbəti aya keçid zamanı olan tarif paketi eyni qaldığı halda ay ərzində tarif dəyişikliyinə görə tutulan komissiya haqqı müştəriyə qaytarılır, 1-ci dəfə pulsuz dəyişmə imkanı limitindən istifadə edildikdə bərpa edilir. Hesabda kifayət qədər vəsait olmadıqda opsiyanın dəyişdirilməsi mümkün olmur)
• Növbəti ay üzrə Cash Back dövrü müştərinin təqvim ayına son aktiv olan opsiya ("YDM&Restoranlar" və ya "Bütün ödənişlər" və ya "Marketlər&Restoranlar" və ya "Azercell" və ya "Miles") ilə davam edir.
• Ay (cari ayın 5-dən növbəti ayın 5-dək olmaqla) ərzində dəyişmə yalnız növbəti dövrə aid olur.
• Cash back bonusları ayın son iş günü hesablanaraq növbəti aydan, lakin istənilən halda ayın 5-dən gec olmamaq şərtilə, bonus hesabına otuzdurulacaq. 
• Mövcüd cashback paketindən digər Cashback paketinə keçid edərkən cari ay ərzində toplanılanballarkeçid olan cashback növünə uyğun hesablanır.