--- description: I hereby confirm the accuracy of the information above and consent to provide the right to request information about my credit obligations from _ Credit Register of ACB _, register such info in _ E-gov_ portal and collect my personal data from other databases. title: Fill in the order information image: https://cards.birbank.az/assets/images/icons/favicon.png --- # If you are ordering the Birbank Umico card for the first or second time, you will receive it for free, whether it is an installment card or a debit card. If you have already ordered two Birbank Umico cards for free, you can get a new one for free as an installment card or for 10 AZN as a debit card in the same currency. ## Continue in Birbank app Məlumatlarımın doğruluğunu təsdiq edir, kredit öhdəliklərim barədə məlumatları *AKB KR* -dən sorğu etməyə *EHP* -də qeydiyyatdan keçirməyə və digər məlumat bazalarından məlumatlarımın toplanmasına razılığımı bildirirəm. - ![](https://cards.birbank.az/assets/f1f6a635c4d2353e4660.svg) - ![](https://cards.birbank.az/assets/c1f5f56905149d994498.svg) - ![](https://cards.birbank.az/assets/6d9f848a368cb3d51ae6.svg) ![](https://cards.birbank.az/assets/ebf30f40b4b0f399241a.png) Davam etmək [App Store](https://apps.apple.com/us/app/birbank/id1293207342) [Google Play](https://play.google.com/store/apps/details?id=com.competo.umicoloy) About the card - You no longer need to purchase debit and installment cards separately. We have combined these functions in the Birbank Umico card. - When you order a card, we check your details, which usually takes a few seconds. - When you order a card, we check your details, which usually takes a few seconds. - If you want to order a debit card, after verification, click the "I want a debit card" button. - If the credit line will not be activated or you order a debit card, in any case you will have the opportunity to apply for credit line activation later through the Birbank app. - With the card, you can take advantage of such opportunities as Umico bonuses, as well as free transfers and withdrawal from personal funds. And when used as an installment card, it gives you additional features such as installments for up to 24 months and a grace period of up to 63 days. Umico bonuses from payments - By choosing bonus categories in the Birbank app, you can earn Umico bonuses from one-time payments via the Birbank Umico card in those categories. - The accumulated bonuses can be transferred to your card, spent at Birbank, Birmarket, Umico bonus partners, or used to pay for the Umico Premium subscription. - Bonus is not calculated for installment payments, public utility, mobile, TV, internet, landline, legal costs, fines, bonds, taxes, government services, postage, cash withdrawal, transfer, financial institution, transport, insurance, parking, education, digital games and gambling payments. 2x VAT refund - Pay for your purchases with the Birbank Umico installment card via QR code and get double VAT back to your balance. Here’s what you need to do: Tell the cashier that you want to pay via QR code. Open the "QR" section at the bottom of the main screen in the Birbank app. Select your Birbank Umico installment card for payment. Scan the QR code and complete the payment. Scan the payment receipt in the Birbank app. You will receive double VAT back both when making one-time payments using your own funds on the Birbank Umico installment card and when paying with your credit line. Example: Suppose you have received a total VAT refund of 55 ₼ this month. Out of this amount, 40 ₼ was refunded through the standard VAT refund (the “ƏDV geri al” product), and 15 ₼ was from the double VAT refund. Considering that the monthly limit for the double VAT refund is 20 ₼, you still have 5 ₼ remaining before reaching the limit. In other words, with your next purchase, a maximum of 5 ₼ can be credited as part of the double VAT refund. - When paying with a Birbank Umico debit card, the standard VAT amount is refunded. Transfer and withdrawal - Each month, you can transfer up to 10,000 ₼ of your personal funds from any of your Birbank cards to cards of other local banks or withdraw this amount from our ATMs — all without commission. - If your total transactions exceed 10,000 ₼, a 1% fee will apply (minimum 1 AZN/USD/EUR). - The monthly limit is set individually for each customer. You can find your personal limit in the “Expenses limit” section of the Birbank app. - When cashing out personal funds at ATMs of other banks within the country, a commission of 2 AZN/USD/EUR will be charged, regardless of the amount. Free transfer of personal funds to local bank cards is available via Birbank app and Kapital Bank ATMs. - When cashing out and transferring money from the credit line of your card, a commission from 1% (min. 1 AZN) to 2% (min. 3 AZN) will be charged in accordance with the terms of the loan. Free delivery - So far, we deliver only on the territory of Baku, Absheron and Sumgait. You will not pay extra for delivery when ordering the card. Just enter your address and we will deliver your card for free via Wolt. Moreover, you can get your card free of charge at the branch by choosing the nearest one. Installments up to 24 months, grace period up to 63 days - You can use the credit line of the Birbank Umico installment card in two ways: in installments and without installments. - When used in installments, you can divide the amount you pay at Birbank installment partners into months and return it gradually. Our numerous partners offer installments for up to 24 months. In some partners, a certain commission may be charged depending on the number of installments. - Non-installment use includes amounts that you transfer to other cards, cash out, pay in one lump sum, in a word, spend from a credit line without installments. - A grace period of up to 63 days for cash withdrawals, transfers, and credit payments from the credit line is determined individually. - The maximum amount that can be allocated for a credit line is 15,000 AZN. If you receive a salary or pension from Kapital Bank or another bank, you can get a Birbank Umico card with a credit line. - When you apply for a credit line, you must be over 18 and under 67. In order to allocate a credit line, you must have at least 3 months of experience at your last place of work, and at least 6 months of total experience. There is no work experience requirement for retired clients. The credit line can be set for a maximum of 59 months. - After the grace period, interest on the loan ranging from 1.92% to 3.1% per month will be applied on the amount used from the credit line without installments. You can get detailed information about other tariffs on the card here. - The effective annual interest rate (EAIR) for Birbank Umico installment card is a minimum of 25.96% and a maximum of 39.07% Additional information - The monthly payment for the Birbank installment card (including overdue debts) is considered settled on the same day if made by 19:00. Payments made after the specified time are considered to be executed on the next business day, unless otherwise stipulated in the contract or by the bank. - The grace period payment for the Birbank installment card can be made on the last day of each month \- If it is a business day: by 19:00 on the same day \- If it is a non-business day: by 19:00 on the next business day - Payments made after the specified times are considered to be executed on the next business day, unless otherwise stipulated in the contract or by the bank.