--- 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 --- # You can get a Birbank Umico Premium card for free as an installment card or for 50₼ as a debit card. ## 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 Premium card. ### ### - When you order a card, we check your details, which usually takes a few seconds. ### ### - If you need an installment card, proceed with the order after the verification is completed. If you are entitled to a loan, a credit line will be activated on your card. ### ### - If you want to order a debit card, after verification, click the "I want a debit card" button. ### ### - 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. ### ### ### Lots of Umico bonuses for payments ### ### ### - By choosing bonus categories in the Birbank app, you can earn Umico bonuses from one-time payments via the Birbank Umico Premium 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. ### 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 Premium 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 Premium 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 Premium 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.