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Debet cards
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Local cards
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Credit cards
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For business
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Virtual cards
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Security Requirements
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Cash loans
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Kredit kartlar
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İPOTEKA KREDİTLƏRİ
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Business loans
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Amount of insurance |
Minimum sum |
1 year service fee |
2 years service fee |
3 years service fee |
Kartın yenilənməsi |
Currency |
Advantage |
![]() Visa Gold |
![]() Visa infinite |
![]() Visa Classic |
![]() Visa Electron |
![]() Mastercard Gold |
![]() Mastercard Standard |
![]() Maestro |
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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: 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 |
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. | 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 |
30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service | 300AZN | 14AZN | 12AZN | 30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service. | 14 AZN - | 12AZN |
40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service | 400AZN | 20AZN | 18AZN | 40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service. | 20AZN | 18AZN |
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 | 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. | 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. |
Medical and Legal Information Services – International Discounts Offers |
Minimum balance | Not applicable |
Card price | AZN 20, AZN 30, AZN 40 |
Payment Card Security Precautions
Read moreMedical and legal services information line
International discounts offer
Free of charge SMS banking and Internet banking
If the minimum deposit to the account is 1000 AZN / USD / EUR, it is possible to get a 1-year Visa Gold Card free of charge.
Not provided
Fees for cards usage | |
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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) |
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. |