Kartmane Debit

• The card is free with an initial deposit of at least AZN/USD/EUR 500 in Baku and Sumgayit branches and AZN/USD/EUR 200 in regional branches. At the end of each first calendar month preceding the month in which service fees are charged for subsequent years, if the minimum balance on Cartman's account is 500 AZN/USD/EUR or the annual turnover is 3000 AZN/USD/EUR (received funds to the account are not taken into account , but non-cash retail and e-com turnover is taken into account) and in case of excess, the service fee for the next year is not charged.
• Until the cards ordered "Online" are debited from the cash desk (before the client picks up the card), if the client initially deposited at least AZN/USD/EUR 500 to city branches in Baku and Sumgayit and AZN 200 /USD/EUR in regional branches, then the annual maintenance fee for the first year of Cartman's account is not charged.

• By visiting the nearest branch.
• By contacting our Call Center.
• By ordering online via our official website.
• By quickly ordering via RabitaBot.

The 3D Security service is automatically activated when a card is issued by Rabitabank.

• Currency conversion commission for payments in foreign currencies: 0.5%
• SMS Notification Service: 5 AZN (monthly)
• PIN Change and PIN Erase Services: Free
• Kartmane Debit cardholders can use safety deposit boxes free of charge for 1 month.

Interest rate on Kartmane debit card balances (annually): AZN 4% | USD 0.25% | EUR 0%
The minimum amount on which interest will be accrued per card: 100 AZN/USD
The maximum amount on which interest will be accrued per card: 10,000 AZN/USD
Capitalization: Daily interest accrual with monthly capitalization (added on the first business day of each month).
Note: When ordering the card online, the interest earned on the card balance will start to be accrued from the date you receive the card. 

With the Kartmane Debit card, you can earn up to 10% cashback on standard purchases and up to 40% cashback at selected partner stores.

A debit card is directly linked to your personal account, and the amount you spend is limited to the balance in your account. Unlike a credit card, it does not create debt; it only allows you to spend the available funds in your account.

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, 6051Gambling: 7995,7801

ATM/POS Cash: 6010, 6011

Asan: 1100

• Cafes/Restaurants: 5811,5812,5813,5814,1339,1340,1341,1347, 1349,1399, 2002, 2340
• Petrol Station: 5542,5172,5983,5541,9752
• Мarket: 5411,5422,5441,5451,5462,5499,5921
• Insurance: 6211, 6300
• Notary: 8111
• Cinema: 7832
• Books: 5942
• Barber, Beauty salons, Spa: 7230,7297,7298
• Airline ticket, 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 cashback under the “Green Cashback” package applies to both domestic and international transactions made with AZN cards (for payments of 10 AZN and above; maximum monthly cashback amount is 200 AZN).

Note ➜ Cashback for payments made via Apple Pay, Google Pay, and Garmin Pay will be reflected after the transaction has been confirmed (posted). Normally, the confirmation process takes up to 3 days, but in rare cases it may take up to 35 days.

Cashback Calculation Rules

If a customer switches from the “Green Cashback” package to the “Miles” package during the month (from the 5th day of the current month to the 5th day of the following month) via Mobile Banking, the accumulated points are automatically converted into cash and credited to the AZN card account.

Unused points or remaining points after redemption are carried forward to subsequent months.

Excluded transactions: ATM cash withdrawals, POS cash transactions, card-to-card transfers, loan repayments, transportation services (except air travel), telecommunications services, betting and gambling transactions, government and utility payments, and quasi-cash transactions.

Cashback is not calculated for transactions performed through the Rabita Mobile application.