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UCard

UCard

UCard is the ultimate product that contains a credit line & multi-currency debit options in one card.
Multi-currency
single card
The card contains multi-currency accounts & credit line.
Grace period
up to 40 days
Only for non-cash payments.
Up to 30%
cashback
Cash reward bonus for every purchase.
Up to 6% annual
cash rewards
Bonus cash back on the balance remaining at the end of each month.
Multi-currency
single card
The card contains multi-currency accounts & credit line.
Grace period
up to 40 days
Only for non-cash payments.
Up to 30%
cashback
Cash reward bonus for every purchase.
Up to 6% annual
cash rewards
Bonus cash back on the balance remaining at the end of each month.
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 and payment terminals of Unibank - Free (the amount is immediately reflected in the balance)

- In MilliÖn/eManat terminals up to 200 AZN - Free, over 200 AZN fee is 0.5% (min. 1 AZN). The amount is immediately reflected in the balance.
*Fee for non-cash income from abroad - 1%

Bonus on card balance - up to 6% per annum

Cashback for non-cash expenses in UCard - up to 30%

Cash withdrawal from UCard:

Personal funds:
- In Unibank UTMs - 0%

Credit funds:
- In Unibank UTMs - 1% (min. 1 AZN)

Transfers from UCard:

Personal funds:
- Monthly up to 2000 AZN to the card of any bank within the country – Free, over 2000 AZN - 1% (min. 1 AZN/EUR/USD)

Credit funds:
- 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 16% 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


Free services 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;


UCard is the ultimate product that contains a credit line & multi-currency debit options in one card. Card owner can set one of the currency accounts as a main account in the UBank mobile application or in the "Personal cabinet" at any time. The card can be used as both a debit and a credit line at the same time.
UCard allows to clients to open a credit line with for up to 10 000 AZN with a grace period and cash loan up to 30 000 AZN.

Conditions of grace period line:
Grace period (up to 40 days only for non-cash payments)
Commission for cash use of a credit line: 1% (min 1 AZN)

Terms of cash loan:
The loan is opened on the terms of a cash loan in Unibank and the amount is transferred to the debit account of the card.
UCard's taxit opportunities allow the customer to purchase goods and services in more than 1,000 trading and service centers and pay their costs within 2, 3, 6, 9, 12, 18 or 24 months. The SMS-taxit service from UCard makes it possible to pay for the cost of goods purchased in stores that are not partners of the bank within 2, 3, 6 months.
1. What is UCard?
UCard is the ultimate product that contains a credit line and multi-currency debit options in one card. This card also has taxit (installment payment) opportunities and a credit line with a grace period of up to 40 days.

2. How much does UCard cost?
It is free.

3. What is the card period?
5 year.

4. How can I get a card?
You can get UCard instantly at the nearest Unibank branch or order via UBank mobile application.

5. How can I transfer Albalı credit line to UCard?
When you receive your UCard, our staff will offer you a choice. If UCard credit line is selected, the amount on the existing Albalı credit card will be automatically transferred to UCard. If a debit card is selected, the Albalı credit line will not be transferred to UCard.

6. Can I transfer funds between accounts in different currencies?
Currently, transferring funds from an account in AZN currency to an account in foreign currency is not possible. But transfers between accounts in foreign currency are possible.

7. I have lost my card, how can I block it?
UCard can be blocked via UBank in two ways:
- Block the card completely
- Blocking the physical use of the card.
Blocking the physical use of the card is unique to UCard. By activating this feature, you can restrict the use of the card in UTM and POS terminals (except for smart devices that support Apple Pay, Google Pay™ and NFC). Online payments are available only on web sites where the card was saved in advance and in UBank.

8. How will bonuses and cashback be calculated to the card balance?
The bonus on the card balance is calculated according to this rule. Cashback is calculated according to this rule.


9. How to choose the main account in UCard?
All you have to do is click on the account you want to set as your main UBank account. This can also be done in UTM.

10. How can I top up my UCard account?
UCard account can be topped up via UTM, Unibank payment terminal, MilliÖn and eManat terminals. It is also possible to top up the account at the cash desks of Unibank branches, on million.az, emanat.az websites (and mobile applications) and via UBank application.
Note: Depositing funds via UTM is possible in AZN, EUR (banknotes in the amount of 50, 100 and 200 EUR), USD (banknotes in the amount of 100 USD) and other payment terminals only in AZN

11. How can I get a loan?
To receive a cash loan without coming to the bank, it is enough to send an SMS with the word CREDIT to short number 8117. A loan officer will process the client’s info, if it is possible to allocate a loan, the amount will be immediately transferred to UCard.

12. How can I order UCard for taxit (installment) purchases?
First of all, our employees will offer you a choice when ordering UCard. When choosing this offer, the client's information will be verified by an employee and the corresponding loan amount will be transferred to the card.
It is also possible to make a request by sending an application from the "Loan Application" section via UBank application.
Tariffs
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 and payment terminals of Unibank - Free (the amount is immediately reflected in the balance)

- In MilliÖn/eManat terminals up to 200 AZN - Free, over 200 AZN fee is 0.5% (min. 1 AZN). The amount is immediately reflected in the balance.
*Fee for non-cash income from abroad - 1%

Bonus on card balance - up to 6% per annum

Cashback for non-cash expenses in UCard - up to 30%

Cash withdrawal from UCard:

Personal funds:
- In Unibank UTMs - 0%

Credit funds:
- In Unibank UTMs - 1% (min. 1 AZN)

Transfers from UCard:

Personal funds:
- Monthly up to 2000 AZN to the card of any bank within the country – Free, over 2000 AZN - 1% (min. 1 AZN/EUR/USD)

Credit funds:
- 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 16% 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


Free services 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;


Multi-currency card
UCard is the ultimate product that contains a credit line & multi-currency debit options in one card. Card owner can set one of the currency accounts as a main account in the UBank mobile application or in the "Personal cabinet" at any time. The card can be used as both a debit and a credit line at the same time.
The credit line and cash loan
UCard allows to clients to open a credit line with for up to 10 000 AZN with a grace period and cash loan up to 30 000 AZN.

Conditions of grace period line:
Grace period (up to 40 days only for non-cash payments)
Commission for cash use of a credit line: 1% (min 1 AZN)

Terms of cash loan:
The loan is opened on the terms of a cash loan in Unibank and the amount is transferred to the debit account of the card.
Taxit
UCard's taxit opportunities allow the customer to purchase goods and services in more than 1,000 trading and service centers and pay their costs within 2, 3, 6, 9, 12, 18 or 24 months. The SMS-taxit service from UCard makes it possible to pay for the cost of goods purchased in stores that are not partners of the bank within 2, 3, 6 months.
FAQ
1. What is UCard?
UCard is the ultimate product that contains a credit line and multi-currency debit options in one card. This card also has taxit (installment payment) opportunities and a credit line with a grace period of up to 40 days.

2. How much does UCard cost?
It is free.

3. What is the card period?
5 year.

4. How can I get a card?
You can get UCard instantly at the nearest Unibank branch or order via UBank mobile application.

5. How can I transfer Albalı credit line to UCard?
When you receive your UCard, our staff will offer you a choice. If UCard credit line is selected, the amount on the existing Albalı credit card will be automatically transferred to UCard. If a debit card is selected, the Albalı credit line will not be transferred to UCard.

6. Can I transfer funds between accounts in different currencies?
Currently, transferring funds from an account in AZN currency to an account in foreign currency is not possible. But transfers between accounts in foreign currency are possible.

7. I have lost my card, how can I block it?
UCard can be blocked via UBank in two ways:
- Block the card completely
- Blocking the physical use of the card.
Blocking the physical use of the card is unique to UCard. By activating this feature, you can restrict the use of the card in UTM and POS terminals (except for smart devices that support Apple Pay, Google Pay™ and NFC). Online payments are available only on web sites where the card was saved in advance and in UBank.

8. How will bonuses and cashback be calculated to the card balance?
The bonus on the card balance is calculated according to this rule. Cashback is calculated according to this rule.


9. How to choose the main account in UCard?
All you have to do is click on the account you want to set as your main UBank account. This can also be done in UTM.

10. How can I top up my UCard account?
UCard account can be topped up via UTM, Unibank payment terminal, MilliÖn and eManat terminals. It is also possible to top up the account at the cash desks of Unibank branches, on million.az, emanat.az websites (and mobile applications) and via UBank application.
Note: Depositing funds via UTM is possible in AZN, EUR (banknotes in the amount of 50, 100 and 200 EUR), USD (banknotes in the amount of 100 USD) and other payment terminals only in AZN

11. How can I get a loan?
To receive a cash loan without coming to the bank, it is enough to send an SMS with the word CREDIT to short number 8117. A loan officer will process the client’s info, if it is possible to allocate a loan, the amount will be immediately transferred to UCard.

12. How can I order UCard for taxit (installment) purchases?
First of all, our employees will offer you a choice when ordering UCard. When choosing this offer, the client's information will be verified by an employee and the corresponding loan amount will be transferred to the card.
It is also possible to make a request by sending an application from the "Loan Application" section via UBank application.
Card benefits and advantages
Free
Mobile Banking
Banking made easy by premium quality of UBank app.
SMS
Banking
Control your bank accounts
with one SMS.
PIN Change
service
Replace existing or lost code with a new one.
Online card top up
Fast and easy money transfers to the card
SMS Taksit
Make any purchases and divide their payments into parts.
Contactless
Make a payment without entering a PIN code.

Service network

Addresses of branches and UTMs, as well as working hours and other detailed information.

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