How does it work

5% cashback for selected categories of trade and service:

1. All markets and online markets in the world - 5%
(You need to add Unibank's Mastercard /Visa cards to Apple Pay / NFC / Garmin Pay and pay a minimum of 10 AZN in any market with a smartphone or smart devices. With such payments, you can earn a maximum of 10 AZN at a time and maximum of 20 AZN per month);
2. All petrol stations in the world - 5% (maximum 20 AZN per month);
3. All cafes and restaurants in the world - 5% (including online orders in these places);
*Note: The cashback mentioned in items 2 and 3 is activated after a monthly non-cash turnover of 200 AZN.

Categories of trade and services that have a high cashback without a turnover need:

1. All petrol stations in the world - 3%
2. All cafes and restaurants in the world (including online orders in these places) - 3%
3. Up to 30% from partners
4. 1% from non-partners


1. The above mentioned cashback applies only to the following cards: UCard (Visa / Mastercard), Mastercard Black Edition (cashback), Visa Platinum, Visa Infinity, Albali Mastercard World and Albali Visa Rewards.
2. Cashback in the amount of 0.1% (standard cards) and 0.3% (premium cards) is charged for non-cash transactions on our other cards.
3. The maximum amount of cashback that can be earned per month in all markets, petrol stations, cafes and restaurants around the world - 70 AZN.
4. The maximum monthly amount is not set in the restaurant and petrol station partner networks that offer more than 5% cashback (earn as much as you want smile)
5. The maximum monthly amount of cashback to be earned in all partner networks in other categories is not set (earn as much as you want smile)
6. Only the CASHBACK of payments reflected in the statement and corresponding to the conditions are credited to the account. Payments can be reflected in the statement for several days.
7. The maximum amount of cashback that could be earned in cafes, restaurants, petrol stations and markets is calculated in a single account for all active cars.