Amount of insurance

Minimum sum

1 year service fee

2 years service fee

3 years service fee

Currency

Advantage

Visa infinite	Visa Gold	Visa Classic	Visa Electron	Mastercard Gold	Mastercard Standard	Maestro
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: 2000AZN/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
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	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
300AZN	30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service	14AZN	12AZN	30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service.	14 AZN -	12AZN
400AZN	40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service	20AZN	18AZN	40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service.	20AZN	18AZN
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	AZN/USD/EUR
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	- Medical and Legal Information Services – International Discounts Offers	-	Note: Unlike other cards, no overdraft facility is available.

All cards

Debet cards

Local cards

Credit cards

For business

Virtual cards

Virtual card

Security Requirements

Visa infinite

For use of personal funds

Insurance amount	Not applicable
Minimum balance	Not applicable
Card price	AZN 100, AZN 300, AZN 400

Payment Card Security Precautions

Click here to get a line of credit

International discounts offer

Hotel booking without any advance payment and discounts

"Visa Luxury Hotel" Program

USD 1 mln travel insurance by UK’s AXA insurance company

Concierge service

Online plastic card order---

Internet-banking

Online call me back order

Tariffs

Fee:

Issue and 1 year service fee – AZN 100
Issue and 2 years service fee – AZN 300
Issue and 3 years service fee – AZN 400

Urgent order:

AZN 15

Insurance amount:

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

Advantages

1) Medical and legal information service
2) International discount offers (shops, car rental) (www.visacemea.com)
3) Visa Luxury Hotel Program (www.visainfinitehotels.com)
4) $ 1 million travel insurance by the British insurance company AXA (cardholders are insured by default)
5) Concierge service
    - Flight booking
    - Free initial hotel reservations and discounts (www.hotelclub.com/visa/ru)
    - Restaurant reservations
    - Car rental order
    - Purchasing tickets for events
    - Planning trips
    - Other requests
6) Discounts in golf clubs (http://www.visa-asia.com/premium/infinite/ap/privileges/golf/index.shtml)
7) Global Support Service
8) Purchase Protection and Extended Warranty
9) Accident insurance
10) Also 24/7 support, in Kiev + 380 44 499 39 75 (toll call), toll free support number: 800 4481250 (Singapore)
Note: For additional benefits please visit http://www.visapremium.com/.

Fees for cards usage
Cash withdrawals at "Bank of Baku" ATMs and POS terminals	1% (min. 1 AZN/USD/EUR)
Cash withdrawal through ATMs of local banks	1.5% (min. 1.5 AZN/USD/EUR)
Cashing out through POS terminals of local banks	1.5% (min. 2,5 AZN/USD/EUR)
Cash withdrawal through ATMs of foreign banks	1.5% (min. 3.5 AZN/USD/EUR)
Cashing out through POS-terminals of foreign banks	1.5% (min. 6 AZN/USD/EUR)
Change PIN code with ATM	1 AZN
Restore PIN code with ATM	2 AZN
Card-to-card transfers	0.2% (min 0.25 AZN / 0.25 USD / 0.25 EUR) Qeyd: Note: No commission is charged for transfer from BOB's "Visa Infinite" cards to other BOB cards on "Card to card" system.
Usage of ATM banking system	Free comission
Connection to SMS Banking system and support service	5 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 transactions	No 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

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