All BirKart benefits and Umico bonuses for advantagoeus shopping!
BirKart and Umico are together now
Apply for a card:
Pay for your purchases with your BirKart-Umico card with money, on credit or by installments and get an additional cashback from Umico:
for purchases with your own money: 0.9% 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
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 BirKart-Umico, you will receive bonuses even outside the partner network.
How does it work?
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.
Apply for BirKart Umico
Fill out the online application and receive a new Kapital Bank BirKart Umico card - debit or credit with installment function. Pay with it all your purchases.
Go to shopping
Pay for all purchases with a BirKart Umico card. When making a purchase on the Umico network of partners, be sure to present also the Umico electronic card from your application. So you get two cashbacks at once - from Umico partners and from Kapital Bank.
Download the Umico App
With BirKart Umico card, you can make your purchases either with money on your bank account or on credit or by installments in the BirKart affiliate network and, at the same time, get additional cashback with Umico bonuses. Earn on every purchase!
Igor Bychek
Umico, CEO
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 40 days
Grace (interest-free) lending period
Visa Classic card in AZN (debit cards in AZN, USD, and EUR)
Who can get a BirKart 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:
Debit card
10 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
up to 0.9%
Additional cashback by Umico bonuses for card payments (in addition to cashback from Umico partners)
up to 1.4%
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!