Kartmane Premium

Premium Debet ✔

Card type: VISA Infinite Kartmane, Mastercard Black Kartmane

The cost of the service for issuing a Premium Kartmane card:

• The card is issued free of charge upon depositing a minimum amount of 15,000 AZN/USD/EUR to the card account.
• Visa Infinite 299 AZN/170 USD/EUR yearly
• Mastercard Black 199 AZN/120USD/EUR yearly
• When opening an account with Kartmane, as well as before debiting cards ordered online from the cash desk (before the client picks up the card), if the Client initially deposits at least 15,000 AZN/USD/EUR into the account, the annual service fee for the first year on this account, Kartmane is not withheld. If the card is lost, a service fee must be paid for the purchase of a new card. Card validity: 60 months

Premium Credit ✔

Card type: VISA Infinite Kartmane, Mastercard Black Kartmane

• The card is issued free of charge upon depositing a minimum amount of 15,000 AZN/USD/EUR to the card account.
• Visa Infinite 299 AZN/170 USD/EUR yearly
• Mastercard Black 199 AZN/120USD/EUR yearly
• When opening an account with Cartman, as well as before debiting cards ordered online from the cash desk (before the client picks up the card), if the Client initially deposits at least 15,000 AZN/USD/EUR into the account, the annual service fee for the first year on this account, Kartmane is not withheld. If the card is lost, a service fee must be paid for the purchase of a new card. Card validity: 60 months

Premium Debet ✔

• For customers who choose monthly payment, the average monthly balance is 10,000 AZN/USD/EUR or more, or the monthly turnover (the funds received into the account are not taken into account and non-cash retail turnover is taken into account) 1,200 AZN/USD/EUR or more, in the same month service fee is not charged.
• After one year from the date of the contract, the balance on the card account is 15,000 AZN/USD/EUR or the annual turnover is 15,000 AZN/USD/EUR (funds received into the account are not taken into account and non-cash retail turnover is taken into account) and in case of excess, no service fee is charged for the next year.

Premium Credit ✔

• For customers who choose monthly payment, the average monthly balance is 10,000 AZN/USD/EUR or more, or the monthly turnover (the funds received into the account are not taken into account and non-cash retail turnover is taken into account) 1,200 AZN/USD/EUR or more, in the same month service fee is not charged.
• After one year from the date of the contract, the balance on the card account is 15,000 AZN/USD/EUR or the annual turnover is 15,000 AZN/USD/EUR (funds received into the account are not taken into account and non-cash retail turnover is taken into account) and in case of excess, no service fee is charged for the next year.
• Premium Kartmane Credit holders can use their safes for free for 3 months.

Premium Debit ✔

• Premium Kartmane cards interest rate calculated on the balance of funds (annual): AZN 6% | USD 0.25% | EUR 0%
• The minimum amount for which interest will be calculated on each card: 100 AZN/USD
• The maximum interest amount for each card: 50,000 AZN/USD

Premium Credit ✔

• Premium Kartmane cards interest rate calculated on the balance of funds (annual): AZN 6% | USD 0.25% | EUR 0%
• The minimum amount for which interest will be calculated on each card: 100 AZN/USD

The maximum amount for which interest will be calculated on each card:

• AZN Cards - 50,000 AZN
• USD Cards - 50,000 USD

Capitalization: Monthly capitalization with daily interest calculation (Added on the first working day of each subsequent month).

Note: When ordering a card online, the income amount calculated based on the balance on the card begins to be calculated from the moment the card is delivered.

Premium Debet ✔
•    Capitalization: Monthly capitalization with accrual of daily interest (the last calendar day of each month).
•    There is NO conversion fee for non-cash transactions outside of the country with Premium Kartmane cards in AZN!
•    The conversion fee for payments in foreign currency with Premium Kartmane cards in foreign currency is 0.5%
•    SMS notification service – 5 AZN (monthly)
•    PIN Change and PIN Erase services are FREE OF CHARGE!
•    Only Visa Infinite cardholders may use the Fast Line service unlimited and free of charge. In addition, Visa Infinite cardholders are provided with a free Covid-19 test 10 times during the year**.
•    Premium Kartmane Debit cardholders may use the safe deposit lockers free of charge for 3 months.
Cash withdrawal: 
•    Kartmane debit cards (MC Black, Visa Infinite), free from the annual service fee due to the initial payment, are subject to a commission of 2% of the cashed amount during transactions via an ATM, POS, Card to Card, loan payments and utility charges, if the average balance within 1 (one) month from the date of the initial payment is less than 15,000 AZN/USD/EUR.
•    The commission is charged on the next business day after 1 (one) month.
•    The commission is applied only to the part that is less than the required amount of the average balance of 15,000 AZN/USD/EUR.
•    The 2% commission shall not apply to the amount of annual inflow in subsequent years.
•    Card to Card transactions of 1000 AZN/USD/EUR per month via any ATM within the country and to the cards of other local banks – free of charge. ATM – 0.9%, min. 1 AZN/USD/EUR
•    Cashing out via any ATM abroad – 1000 AZN or 500 USD/EUR for free during the year.
•    Using Rabitabank POS Cash terminals is totally free of charge for Visa Infinite Kartmane and MC Black Kartmane.
Card to Card:
•    To RB cards – up to 10,000 AZN/USD/EUR per month for free. 0.2% for the above amounts, min. 0.6 AZN/USD/EUR (via MB APP, IB, BOT) 
•    To the cards of other local banks – Card to Card transactions via any ATM within the country and to the cards of other local banks within the country – only 1000 AZN/USD/EUR per month for free. 0.9% for the above amounts, min. 1 AZN/USD/EUR (via MB APP, IB, BOT, ATM)
•    To RB cards – 0.5%, min. 0.60 AZN/USD/EUR (Via ATM)

Note: In order to take advantage of the advantages of the Kartmane VISA Infinite card, it is necessary to make a payment of 300 AZN within the last 35 days with Visa Infinite cards using a smartphone or smart watch, using a smartphone or smart watch, within the last 35 days. Currently, this amount is 100 AZN .

Premium Kredit ✔
•    Capitalization: Monthly capitalization with accrual of daily interest (the last calendar day of each month).
•    There is NO conversion fee for non-cash transactions outside of the country with Premium Kartmane cards in AZN!
•    The conversion fee for payments in foreign currency with Premium Kartmane cards in foreign currency is 0.5%
•    SMS notification service – 5 AZN (monthly)
•    PIN Change and PIN Erase services are FREE OF CHARGE!
Card to Card:
•    With your own funds: To RB cards – free of charge (via MB APP, IB, BOT)
•    With your own funds: To RB cards – 0.5%, min. 0.60 AZN/USD/EUR (Via ATM)
•    With your own funds: To the cards of other local banks – 0.5%, min. 0.60 AZN/USD/EUR (via MB APP, IB, BOT, ATM)
•    Credit line – 1%, min. 1 AZN/USD/EUR (via MB APP, IB, BOT, ATM and other channels)
•    For the loan payments made with credit card, the commission is charged according to the above-mentioned rates (with your own funds or using a credit line).
Cash withdrawal:
Via Rabitabank ATM and POS:
With your own funds:
•    ATM – 0.5%, min. 0.8 AZN/USD/EUR
•    POS – 1%, min. 0.8 AZN/USD/EUR
Credit line:
•    ATM – 1%, min. 0.8 AZN/USD/EUR
•    POS – 2%, min. 0.8 AZN/USD/EUR
Via ATM and POS terminals of other local financial institutions
With your own funds:
•    ATM – 0.5%, min. 2 AZN/USD/EUR
•    POS – 1.5%, min. 5 AZN/USD/EUR
Credit line:
•    ATM – 1.5%, min. 2 AZN/USD/EUR
•    POS – 2%, min. 5 AZN/USD/EUR
Via ATM and POS terminals of the financial institutions in the foreign country:
Own funds:
•    ATM – 1.5%, min. 3 AZN/USD/EUR
•    POS – 1.5%, min. 5 AZN/USD/EUR
Credit line:
•    ATM – 2%, min. 3 AZN/USD/EUR
•    POS – 2%, min. 5 AZN/USD/EUR

Note: In order to take advantage of the advantages of the Kartmane VISA Infinite card, it is necessary to make a payment of 300 AZN within the last 35 days with Visa Infinite cards using a smartphone or smart watch, using a smartphone or smart watch, within the last 35 days. Currently, this amount is 100 AZN .

From airport business lounges:

• MC Black - Free 10 times per year (only cardholder can use) / 30 USD / 28 EUR depending on the country (for each subsequent entry)
• Visa Infinite – Free 6 times per year (cardholder only) / USD 32 (for each subsequent entry)

Maximum amount per "Green" cashback package - 200 AZN ✓ (Domestic and international transactions)

Note ➜ Cashback for payments made via Apple Pay and Google Pay will appear upon confirmation (write-off) of the transaction. By default, the approval process requires 3 days for execution, but in rare cases, it can take up to 35 days.

• Within a month (from the 5th of the current month to the 5th of the next month), when switching from the "Green Cashback" package to the "Azercell" or "Miles" package through Mobile Banking, the earned points are automatically transferred to the AZN card account as an amount.
•  During the use of the "Green Cashback" package, the points that were not used during the month or the remaining points after their use are transferred to the following months.
•  Exceptions for turnover - Except for cash withdrawals at ATMs, Pos Cash, Card to Card, credit payments, transport (except air), communications, sweepstakes, government and utility payments, and Quasi-cash payments, the turnover for other payments is taken into account. Cashback is not credited for transactions made through the Rabitabank Mobile app.

Cashback is not credited for transactions made through Rabita Mobile.

Maximum amount for "Azercell" package - 5000 points ✓ (Domestic and international transactions)

• Within a month (from the 5th of the current month to the 5th of the next month), when switching from the "Azercell" package to the "Green Cashback" package through Mobile Banking, the earned points must be exchanged for Azercell call minutes/Azercel Internet package. If it is not changed, it is transferred at a ratio of 1/50 to the cashback package to be switched. Points (miles) earned during switching between "Azercell" and "Miles" packages are transferred to the new package as is.
• When using the "Azercell" package, points accrued based on the cashback interest rates established in accordance with the agreement reached with the bank's partner network are calculated in the amount of 50 times.
• During the use of the "Azercell" package, the points that were not used during the month or the remaining points after their use are transferred to the following months.
• Exceptions for turnover: Cash withdrawals at ATMs, Pos Cash and Card to Card, credit payments, transport (except air), government, communications (including mobile operators), Quasi Cash payments. The turnover on other payments is taken into account. During the use of the "Azercell" package, the points that were not used during the month or the remaining points after their use are transferred to the following months.
• Cashback is not credited for transactions made through Rabita Mobile. 
• Azercell call minutes and Azercell Internet package will be calculated according to the following table and can only be used within the country for 30 days:

Maximum amount per "Miles" cashback package – 25 000 miles✓ (Domestic and international transactions)

• You can exchange spent funds for Miles within 30 days after making the corresponding expenses (payment for air tickets, hotel and car rental) under the "Miles" package. Miles earned within the "Miles" package are valid for 24 months from the start date of accrual.
• Calculation form for exchanging miles for any means of payment (payment for air tickets, hotels and car rental): 1AZN=50 miles.
• Within the first three months from the date of switching to the "Miles" package, the client will earn 1500 miles as a gift if 3000 AZN is circulated in just one of the three months. 1500 miles earned as a gift when using the "Miles" package are fully or partially written off from the client's miles account balance when switching from the "Miles" package to other cashback packages within 12 months from the date of its purchase. If there are not enough miles on the balance of miles of the client, additional fees and commissions will not be charged to the client.
• Within a month (from the 5th of the current month to the 5th of the next month), when switching from the "Miles" package to the "Green Cashback" package through Mobile banking, the earned miles should be exchanged by paying "air ticket", "hotel" and "rent a car" on the "Miles" package. The earned miles are transferred to the Green Cashback package, which is transferred at a ratio of 1/50, if the "Miles" package is not exchanged for "air ticket", "hotel" or "rent a car" payments. Points (miles) earned during switching between "Azercell" and "Miles" packages are transferred to the new package as is.
• During the transfer of earned miles when switching from the "Miles" package to other packages, bonuses earned exceeding 5000 miles per month (provided only by the bank) are cancelled.
• During the use of the "Miles" package, the miles that were not used during the month or the remaining miles after their use are transferred to the following months.
• When using the "Miles" package, points accrued based on the cashback interest rates established in accordance with the agreement reached with the bank's partner network are calculated in the amount of 50 times.
• Exceptions for turnover - Except for cash withdrawals at ATMs, Pos Cash, Card to Card, credit payments, transport (except air), communications, sweepstakes, government and utility payments, and Quasi-cash payments, the turnover for other payments is taken into account. Cashback is not credited for transactions made through the Rabitabank Mobile app.
• Cashback is not credited for transactions made through Rabita Mobile.

Card to Card: 4829,6536,6537,6538,6532
Government: 9211, 9222, 9223, 9311, 9399, 9402, 9405
Transportation: 4119, 4121, 4131, 4214, 4215, 4225, 4411, 4457, 4468,4789,4011,4111,4112,4784
Utilities: 4900
Cable/Satellite: 4899, 4814, 4816
Quasi Cash: 6540, 6012, 6050, 6051
Gambling: 7995,7801
ATM/POS Cash: 6010, 6011
Asan: 1100

• Cafes/restaurants: 5811,5812,5813,5814,1339,1340,1341,1347, 1349,1399, 2002, 2340
• PS: 5542,5172,5983,5541,9752
• Market/supermarket: 5411,5422,5441,5451,5462,5499,5921
• Insurance: 6211, 6300
• Notary: 8111
• Cinema: 7832
• Books: 5942
• Barber, Beauty salons, Spa: 7230,7297,7298
• Airline, Hotel, Car rental - PDF

• Through payment terminals with Kartmane Debet card and current account of individuals in cash (only in AZN currency). The assigned limit is adjusted based on the customer's FIN code.
• Free when depositing up to AZN 3,000 per month
• 0.3% for every contribution over AZN 3,000 per month

• Holders of Kartmane debit cards whose currencies are USD and EUR will receive a 0.5% cashback for every transaction they make with Kartmane.
• There is NO maximum monthly cashback amount for Kartmane Credit (cards in USD and EUR).
• Cashback is not credited for Kartmane Debit cards in foreign currency - USD and EUR - in the bank's partner network.
• **Note: All other payments, except for cashing out at an ATM, cash in POS and from card to card, credit payments, transport (except for air transportation), communications, utility and government payments are an exception. for all other payments, cashback will be credited according to the currency of the card. Cashback is not credited for transactions made through the Rabitabank Mobile Application.

Cashback for payments made via Apple Pay and Google Pay will appear upon confirmation (write-off) of the transaction. By default, the approval process requires 3 days for execution, but in rare cases, it can take up to 35 days. 

Within a month (from the 5th of the current month to the 5th of the next month), the client can change any number of options in any direction between "Green", "Azercell" and "Miles" packages through Mobile Banking. Changes to the tariff package made within a month come into force from the next month. At the first change between the specified packages, the changes in the tariff package take effect immediately. Cards are initially provided to clients with the "Green" tariff package.

• The opportunity to change the cashback package for free is provided only once.
• For each subsequent change, a fee of 4.99 manats is charged. (Regardless of the number of tariff package changes during the month, the service fee is charged once. If the tariff package available at the beginning of the current month and the tariff package at the time of the transition to the next month remain the same, the commission charged for the tariff change during the month is refunded to the client, and the first-time free change is restored when the limit is used. If there are insufficient funds on the account, it is impossible to change the option)
• The cashback period for the next month continues with the last active option ("Green" or "Azercell" or "Miles") of the client.       
• Changes within a month (from the 5th day of the current month to the 5th day of the next month) apply only to the next period.
• Cashback bonuses will be calculated on the last working day of the month and credited to the client's bonus account no later than the 5th of the following month.
• Within a month (from the 5th day of the current month to the 5th day of the next month) "Green" package to the "Azercell" or "Miles" packages through the Mobile Banking, the earned points are automatically transferred to the AZN card account.
• When switching from "Azercell" or "Miles" packages to the "Green" package within a month, the earned points (miles) must be changed by paying for Azercell call minutes/Azercell Internet package, and "air ticket", "hotel" and "rent a car" on the "Miles" package. Earned points (miles) are transferred to "Azercell call minutes/Azercell Internet package" on the "Azercell" package or "Miles" package for "air ticket", "hotel" or "rent a car" payments at a ratio of 1/50. Points (miles) earned during switching between "Azercell" and "Miles" packages are transferred to the new package as is. Bonuses earned over 5000 miles (provided by the bank only) are canceled when the earned miles are transferred from the "Miles" package to other packages. When switching from the "Cashback" package to the "Azercell" or "Miles" packages and vice versa, the cashback package to be switched will be credited until it takes effect, and the remaining points (miles) will be transferred to the new cashback package on the basis of the above calculation. When using cashback packages, unused points (miles) during the month or remaining points (miles) after their use are transferred to the following months.
• Upon expiration of the card, points (miles) accrued under packages are canceled if the card is not renewed.
• Points (miles) earned during payments are canceled when the refund is processed.
• When using the "Azercell" and "Miles" packages, points accrued based on the cashback interest rates established in accordance with the agreement reached with the bank's partner network are calculated in the amount of 50 times.
• Azercell call minutes and Azercell Internet package will be calculated according to the table and can only be used within the country for 30 days.
• Miles earned within the "Miles" package are valid for 24 months from the start date of accrual.
• You can exchange spent funds for MILES within 30 days after making the corresponding expenses (payment for air tickets, hotel and rent a car) under the "Miles" package.
• Calculation form for exchanging miles for any means of payment (payment for air tickets, hotels and rent a car): 1AZN=50 miles
• Within the first three months from the date of switching to the "Miles" package, the client will earn 1500 miles as a gift if 3000 AZN is circulated in just one of the three months. 1500 miles earned as a gift when using the "Miles" package are fully or partially written off from the client's miles account balance when switching from the "Miles" package to other packages within 12 months from the date of its purchase. If there are not enough miles on the balance of miles of the client, additional fees and commissions will not be charged to the client.
• From 01.05.2022, cashback will not be credited to two or more existing or new MC World/Visa Rewards (debit or credit) or Master Card Black/Visa Infinite (debit or credit) plastic cards obtained in new AZN currency.
• From 01.05.2022, cashback accrual for two or more MC World/Visa Rewards (debit or credit) or two or more Master Card Black/Visa Infinite (debit or credit) plastic cards will be credited to only 1 (one) card determined by the client at his choice (This rule applies to existing and cards obtained in new AZN currency).
• Within a month (from the 1st to the 31st of the current month), the Branch may change the cashback accrual once from one card to another at the client's choice. Changes made within a month will take effect from the following month.

To familiarize yourself with our tariff schedules, please visit: www.rabitabank.com/tarifler