UCard

Your card - UCard!

This card allows you to make purchases anywhere in the world with multi-currency accounts, a credit line with 40-day interest-free up to 15 000 ₼. In a word, all needs in one card!

Get your card

1. Download UBank

2. Find the nearest branch in the app

3. Get a card ready at the branch

It's free to

Get a card

Visit the nearest branch and get it instantly.

Top up and withdrawals unlimitly*

Top up and cash out as much as you want in Unibank UTMs for free

Make card to card

Make unlimited money transfers to Unibank cards and up to 2000 AZN to local bank cards without fee

Card price
- Free
Smartphone/smart watch payments via Apple Pay, Google Pay™ and NFC
- Without fee
Card term
- up to 5 years
Top up of UCard balance
- - Via UBank mobile application - Free (the amount is immediately reflected in the balance)
- - In UTMs at once - Free (the amount is immediately reflected in the balance)
- - Payment terminals of Unibank - Free (the amount is immediately reflected in the balance), per customer over 3000 AZN incomes during calendar month fee is 0,5% (min. 1 AZN)
- - In MilliÖn/eManat terminals up to 200 AZN - Free, over 200 AZN fee is 0.5% (min. 1 AZN), per customer over 3000 AZN during calendar month fee is 1% (min. 1 AZN) The amount is immediately reflected in the balance.
- *Fee for non-cash income from abroad - 1%

Cash withdrawal from UCard:
- - In Unibank UTMs - 0%
  - In Unibank UTMs it is possible top up and cash out as much as you want in AZN and USD currency for free.
- - In Unibank UTMs - 1.5% (min. 1.50 AZN)
Annual cash rewards
- up to 7%
Transfers from UCard:
- - Per customer during calendar month up to 2000 AZN to the card of any bank within the country – Free
- - Per customer during calendar month over 2000 AZN to the card of any bank within the country - 1% (min. 1 AZN/EUR/USD)
- - In addition to the transfer fee, there is a fee for withdrawals
Grace period
- up to 40 days for non-cash payments (no interest is accrued on non-cash payments during the grace period)
Loan payment
- Loan issue date + next 10 days
Interest rate
- from 20% per annum, determined individually according to the client's credit history
Information about card transactions:
- - Notifications via UBank mobile application - Free
- - Via SMS - monthly 1 AZN
It is free in UBank:
- - Assigning or changing the PIN code of the card;
- - Unblocking the card;
- - Service ƏDV geri al;
- - Online payment for parking;
- - Payment of utility services;
- - Recharge the balance of the mobile number

Your card - UCard!

Get your card

“Əjdaha” lottery from Unibank

Your UCard has high income!

Get a loan on UCard instantly!

İncrease the credit line on UCard!

It's free to

The single multi-currency card!

Split UCard purchases into installments!

Get your favorite products for up to 18 months without interest!

Make purchases with UCard without interest up to 40 days!

Manage UCard via UBank

Pay securely and easy with Apple Pay and Google Pay™