Card type: VISA Rewards

Usage of cashback: Accrued cashback amount is transferred to Customer’s card account on the last day of the same month.

Monthly minimum cashback amount: 3 AZN, 2 USD/EUR/GBP

Monthly maximum cashback amount: 300 AZN, 150 USD/EUR/GBP

XalqKart Cashback in non-partner trade and service establishments earns in the amount of 2% of the cashless payment amount, but maximum 30 AZN or 15 USD/EUR/GBP per month for one type of MCC code.

Interest calculation on card balance: Interests are calculated on a daily basis and are transferred to card balance on the last business day of the given month. Deposit income is available only for cards in AZN currency.

Minimum daily balance on which interest is calculated: 100 AZN

Maximum daily balance on which interest is calculated: 2000 AZN

Cash out: Cash-out up to 1 000 AZN/500 USD/EUR/GBP per month on each card account via Xalq Bank's ATMs and POS terminals is free of commission. Standard commission will be charged for cash-out of more amounts (0.5% мин. 0.4 AZN/USD/EUR/GBP).

Card to Card: Via XalqOnline Card to Card up to AZN 5,000 equivalent per month is free of charge. For amounts above and for all amounts through other channels 0.5% min. 0.20 AZN/USD/EUR/GBP fee is charged.

Card replenishment: XalqKart balance may be deposited without additional commission via branches of the Bank and Cash In type ATMs, also via payment terminals.

Tracing cashback balance: You can get information about earned cashback by activating the SMS-notification service.

OIL bonuses at the Bank’s partners' network: It is available only by paying with XalqKart CASHBACK cards via Xalq Bank’s POS terminals in partner shopping centers and service areas.

Each client can get only one XalqKart CASHBACK on each currency.

Transactions on cashback is not calculated

Delivery service is active in Baku. The service is free of charge and implemented within 10 working days.

XalqKart PETROL

XalqKart Petrol

Pay cashless everywhere, get free PETROL!

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XalqKart PETROL

Card service network

Payment terminals and others

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Card service network

XalqOnline mobile application

Functional and convenient XalqOnline system allows you to make bank transactions and control the card balance.

XalqKart PETROL

Pay cashless everywhere, get free PETROL!

Learn more
XalqKart PETROL

Card service network

Payment terminals and others

Learn more
Card service network

Favorite offers

Loan on affordable terms
Loan on affordable terms

Loan campaign on affordable terms

XalqKart PETROL
XalqKart PETROL

Pay cashless everywhere, get free PETROL!

Commercial Mortgage
Commercial Mortgage

Obtain office and trade industrial real estate

Google Pay is available for Xalq Bank cards!
Google Pay is available for Xalq Bank cards!

A fast, simple way for contactless payments