Birbank and Umico are together now

Apply for a card:

Pay for your purchases with your Birbank Umico card with money, on credit or by installments and get an additional cashback from Umico:

for purchases with your own money: 1.5% (until 31.12.22) in the Umico partner network and 0.4% outside the partner network

for any purchases on credit, even outside the Umico partner network

for any installment purchase, even outside the Umico partner network

UMICO CASHBACK is

a refund of part of the value of your purchases to the bonus account in the Umico mobile application. Bonuses are equal to real money — they can be spent on purchases in the Umico partner network. Paying for all purchases with Birbank Umico card, you will receive bonuses even outside the partner network.

How does it work?

Fill out the online application and receive a new Kapital Bank Birbank Umico card - debit or credit with installment function. Pay with it all your purchases.

Download the Umico application from App Store or Google Play to your mobile phone, register, get acquainted with the network of partners, which has more than 1,500 largest companies in Azerbaijan.

Register Birbank card with Umico Bank

In the Umico app, go to the Bank section.
Click the "Register with Umico Bank" button. Register by card number by selecting "I already have a Birbank Umico card"

Apply for Birbank Umico card

Go to shopping

Pay for all purchases with a Birbank Umico card in Umico Market and Umico partner stores. Be sure to present the Umico electronic card from your application at the checkout. So you will receive two cashbacks at once - from Umico partners and from Kapital Bank.

Free service when applying for a debit card online at
birbank-card.umico.az or in the Umico app

Make 3 purchases in the amount of 30 AZN or more each at Umico partner stores within 30 days after receiving the card. Promotional bonuses are credited in a single amount for 33-37 days from the date of receipt of the card.
Promotional cashback limit - 150 bonus manats.

Make 3 purchases in the amount of 50 AZN each at Umico Market within 30 days from the date of receipt of the card. We will return 5% cashback to your card on the total amount of all three purchases. Promotional bonuses are credited in a single amount for 33-37 days from the date of receipt of the card.
The promotional cashback limit is 500 bonus manats.

Free service

Double Umico Bonuses

5% cashback at Umico Market

Welcome pack from Umico

Get a Birbank Umico debit card
and get additional bonuses

Additional terms

Card type and currency

Credit limit

Up to 10,000 AZN (for individual enterprises - up to 15,000 AZN)

Date of expiry

Card expiry period 36 months

Installment Interest

0% annual

Installment period

from 1 to 10 months

up to 63 days

Grace (interest-free) lending period

Visa Classic card in AZN (debit cards in AZN, USD, and EUR)

Who can get a Birbank Umico card?

Working customers and Kapital Bank customers

Persons officially registered at work and persons receiving a salary or pension through Kapital Bank

Aged 18-67

Persons aged 18 to 67 years (till the card expires).

Minimal work experience

The minimum experience at the last workplace should be at least six months (requirement does not apply to pensioners)

Required documents:

ID

Persons with valid ID

A Birbank Umico debit card can be obtained by persons with a valid identity card.

Tariffs

Debit card (when applying for a debit card online at
birbank-card.umico.az or in the Umico app)

0 AZN for the entire period.

Card price

35 AZN per year

Credit card with installment function

Annual interest rate

For credit card with installment function

For debit card

1%, minimum 1 AZN

Encashing commission

For credit card with installment function

For debit card

1.5% until 31.12.22

Additional cashback by Umico bonuses for card payments (in addition to cashback from Umico partners)

1.5% until 31.12.22

For credit card with installment function

For debit card

no charge

Connect to SMS banking

no charge

For credit card with installment function

Interest rate on installment operations - 0%
Encashing rate - 25% (EIR starts from 28,88%)

1.5%, minimum 2 AZN (can be cashed up to 60% of the loan limit amount)

* The maximum cashback amount that can be earned within a month is 500 AZN

Our partners

A unique card from Kapital Bank with a credit limit and interest-free installments.

The largest universal bank in Azerbaijan, serving more than 3 million individuals and more than 22 thousand legal entities.

Stay in touch

We love to communicate with our customers and share useful information. Find us on the links below and stay in touch.

Download the mobile app and earn on each purchase!