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PLASTIC CARDS FOR INDIVIDUALS
 Bank Respublika offers to individuals plastic cards of international payment systems MasterCard International and VISA International free of charge and without a service fee.
| • MasterCard Standard |
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• VISA Classic |
| • MasterCard Gold |
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• VISA Gold |
| • MasterCard Platinum |
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• VISA Platinum |
| • Cirrus / Maestro |
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• VISA Electron |
For companies and organizations, corporate plastic cards MasterCard Business, Maestro Salary and VISA Electron Salary are available.
MasterCard, Cirrus / Maestro and VISA can be used for 24 hours in and outside Azerbaijan in over 200 countries of the world. At Bank Respublika card accounts can be opened in Manats, USD or Euro.
Options of Bank Respublika’s MasterCard and VISA cards
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Cashless payment for goods and services in stores, restaurants, hotels, travel agencies and other trade and service outlets in Azerbaijan and throughout the world; the card holder will not be charged commission fees for payments made
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Electronic payments over the Internet
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Withdrawal of cash from 900 000 ATMs and banks all over the world
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Non-cash payments and withdrawal of cash in other currencies, in particular, in the local currency of the country of stay
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Acquisition of an interest-free loan via a card for up to 45 days
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Acquisition of an additional Home Banking service
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Payment of cellphone bills and utility bills via ATM’s or Home Banking service
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Account statements from the Bank, via ATMs or e-mail
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Money transfers from one card to another Card-to-Card
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Booking rooms in 100 000 hotels all over the world
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Electronic payments over the Internet, interest-free loans and booking hotel rooms are not related to Cirrus/Maestro and VISA Electron cards.
A card account can be replenished at branch offices and divisions of Bank Respublika. If the card holder cannot come to the Bank (he is abroad, etc.), any third person (relative, friend) can post money to his card account.
One card account with Bank Respublika allows for obtaining additional cards for yourself and/or family members, which allows several persons to use the same account.
Plastic cards feature a high level of security and therefore are safer than cash. An important advantage is that you do not need to declare cash on the card when traveling abroad, that is cash stored on the card pass the border without any limitation.
Interest-free card loan
One of the advantages of Bank Respublika’s plastic cards is the possibility of acquiring an interest-free line of credit on the card in the amount ranging from 200 to 5000 manats (USD/Euro) for a period of up to 45 days.
In this case, the client uses the Bank’s funds and, if he repays the used amount by the 15th business day of the following month, no interest are accrued on the loan. Thus, the term of such interest-free loan can be up to 45 days.
If the used amount is not repaid by the 15th business day of the following month, interest will be accrued on the debt starting from the next day at the rate of 28% per annum.
Maximum amounts of interest-free card loans:
| • MasterCard Standard / VISA Classic |
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3 000 AZN (USD / EUR) |
| • MasterCard Gold / VISA Gold |
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5 000 AZN (USD / EUR) |
| • MasterCard Platinum / VISA Platinum |
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10 000 AZN (USD / EUR) |
A card line of credit can be opened for persons with a stable monthly income of no less than 200 manats based on a statement from the employer, without any collateral or guarantee.
Amount of the line of credit can be equal to two or three-fold amount of the salary depending on the place of employment and the applicant’s position. The Bank reserves the right to reject a line of credit if not absolutely satisfied as to the applicant’s creditworthiness.
The Bank can open a card line of credit to its depositors too, in the amount of 70% of the client’s deposit, in which case no statement from the employer is required.
Procedure for acquisition of plastic cards
Cards with and without lines of credit are available at Bank Respublika. In the former case, the client can use only his own funds charged to the card account and in the latter case he can use the Bank’s funds too, limited to the line of credit amount.
To obtain a card with or without a line of credit you need to come to one of Bank Respublika’s offices or fill out and send an online application form.
Online application form for a card without a line of credit
In case of an online application, an officer of the Bank will give the client a phone call to clarify necessary aspects. Thereafter, the client will come to the Bank’s office with an identification document, where:
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He will sign a relevant agreement with the Bank
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He will make the initial payment and place the security deposit (if the card is without a line of credit)
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He will present a statement from the employer (if the card is with a line of credit)
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He will pay the commission fee for the line of credit (if the card features a line of credit)
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He will obtain a plastic card
For information:
Also for information:
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