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İPOTEKA KREDİTLƏRİ
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When
Service time
Monday - Friday (10: 00-18: 00)
Amount of insurance
Minimum sum
1 year service fee
2 years service fee
3 years service fee
Currency
Advantage

Mastercard Gold

Visa infinite

Visa Gold

Visa Classic

Visa Electron

Mastercard Standard

Maestro

Not considered. Note: For non-resident customers: 2000AZN/USD/EUR Not considered. Note: For non-resident customers: 3000AZN/USD/EUR Not considered. Note: For non-resident customers: 2000AZN/USD/EUR Not considered. Note: For non-resident customers: 1000AZN/USD/EUR Not considered. Note: For non-resident customers: 1000AZN/USD/EUR Not considered. Note: For non-resident customers: 1000AZN/USD/EUR Not considered. Note: For non-resident customers: 1000AZN/USD/EUR
Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable
20 AZN - Notes: - No commission is charged where the minimum amount of the deposit into the account is 2000 AZN/USD/EUR; Free of charge 1 year Internet Banking and 6 months SMS Banking service. 100AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 100,000 AZN/USD/EUR or a customer has at least 100,000 AZN/USD/EUR in his savings account. 20 AZN - Notes: - No commission is charged where the minimum amount of the deposit into the account is 2000 AZN/USD/EUR; Free of charge 1 year Internet Banking and 6 months SMS Banking service. 8AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR. 7AZN 8AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR. 7AZN
30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service. 300AZN 30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service 14AZN 12AZN 14 AZN - 12AZN
40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service. 400AZN 40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service 20AZN 18AZN 20AZN 18AZN
AZN/USD/EUR AZN/USD/EUR Subject to type and validity term of the card, as per the schedule of fees on issue and maintenance of the card AZN/USD/EUR AZN/USD/EUR AZN/USD/EUR AZN/USD/EUR
- Medical and Legal Information Services – International Discounts Offers Medical and Legal Information Services – International Discounts Offers – Advance hotel booking without fees and discounts - - Visa Luxury Hotel Program – 1 mln USD travel insurance from UK’s AXA insurance company – Concierge service – Golf club discounts - while Priority Pass is not formally supported, online registration provides discount of up to 15% to Visa İnfinite card holders. Note: As Visa İnternational does not extend its special program to Azerbaijan, services related to Visa İnfinite cards are available abroad only. AZN/USD/EUR ATM withdrawals, real and virtual shopping, Internet purchases, purchase of goods and services via telephone and mail; where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR, customer is provided with a free of charge 1 years card. Note: Unlike other cards, no overdraft facility is available - Note: Unlike other cards, no overdraft facility is available.

Mastercard Gold

For use of personal funds

Minimum balanceNot applicable
Card price

AZN 20, AZN 30, AZN 40

Payment Card Security Precautions

Read more

Medical and legal services information line

International discounts offer 

Free of charge SMS banking and Internet banking

Tariffs

Fee:

  • Issue and 1 year service fee – AZN 20
  • Issue and 2 years service fee – AZN 30
  • Issue and 3 years service fee – AZN 40

If the minimum deposit to the account is 1000 AZN / USD / EUR, it is possible to get a 1-year MC Gold Card free of charge.


Təmassız ödəniş:

Təmassız ödəniş funksiyası dedikdə Pin kod daxil edilmədən kartla 100 manatdan çox olmayan məbləğlər həddində əməliyyatların həyata keçirilməsi nəzərdə tutulur.


Urgent order:

  • AZN 15

Sum insured:

not provided


Change of card status:

  • No fee

Card replacement:

  • Subject to type and term of the card, fee applicable upon issue and service for the card

Issue of PIN duplicate:

  • AZN 5

Card renewal (extension):

  • Subject to type and term of the card, fee applicable upon issue and service for the card

Issue of an additional card:

  • Subject to type and term of the card, fee applicable upon issue and service for the card

Card reactivation:

  • AZN 2

“Chargeback” review:

  • AZN 10
Fees for cards usage
Cash withdrawals at "Bank of Baku" ATMs and POS terminals1% (min. 1 AZN/USD/EUR)
Cash withdrawal through ATMs of local banks1.5% (min. 1.5 AZN/USD/EUR)
Cashing out through POS terminals of local banks1.5% (min. 2.5 AZN/USD/EUR)
Cash withdrawal through ATMs of foreign banks1.5% (min. 3.5 AZN/USD/EUR)
Cashing out through POS-terminals of foreign banks1.5% (min. 6 AZN/USD/EUR)
ATM vasitəsilə ŞEN-kodun dəyişdirilməsi1 AZN
ATM vasitəsilə ŞEN-kodun bərpa edilməsi2 AZN
“Card to Card” sistemi üzrə köçürmələr0.2% (min 0.25 AZN / 0.25 USD / 0.25 EUR)
“ATM Bankçılıq” sistemindən istifadəNo fee
"SMS Bankçılıq" sisteminə qoşulma və dəstəklənmə5 AZN
Conversion

Depending on the payment system of the card, transactions (ATM, Card to Card, online, retail, etc.) in any currency other than the card currency are converted in accordance with the exchange rate set by the international payment system Visa or Mastercard and non-cash purchase and sale rates of the bank.

Note:

Non-cash conversion operations are possible on payment cards issued by the Bank in the amount of not more than 200 (two) US dollars or euros per day.

Retail transactionsNo fee
"Retail" transactions in gaming / entertainment centers, including casinos*1.5% (min. 2 AZN/USD/EUR)*

* According to the Law on Amendments to the Code of Administrative Offenses of the Republic of Azerbaijan dated December 27, 2021, gambling operations are blocked.

Note:

Commission is not charged if funds are transferred to the card in cash at Bank of Baku branches or payment terminals owned by Bank of Baku OJSC. No commission is charged for 200 AZN deposits per day through MilliOn and E-manat payment terminals, website and mobile applications, if deposit amount is more than 200 AZN 0.5% commission (min. 1 AZN) is charged.

Depositing funds to USD and EURO currency cards is possible only in the branches of Bank of Baku OJSC. 



Services involved in taxation

Select the type of card