Two brands in one card – BirKart Umico!



Kapital Bank has introduced a new BirKart Umico card in cooperation with “Competo”. Unlike regular cashback cards, this card gives the owner double benefits and double cashback.

With BirKart Umico, customers receive both cashback, which is given by BirKart when making non-cash payments, and cashback, which is accrued from purchases in the Umico partner network. Earned cashbacks accumulate in the Umico account. The new BirKart Umico can be used both as a debit card and as an installment card, that is, with the new card, customers can use the BirKart’s installment function. The BirKart Umico debit card is available in 3 currencies (AZN/USD/EUR) and is issued for a period of 36 months.

Also in BirBank, the most popular mobile banking application in the country, a special section has been created for users through which customers can track their bonuses in Umico.

It should be noted that the BirKart card is presented in four types — BirKart (classic installment card), BirKart Cashback (installment card/cashback), BirKart Miles (installment/miles) and Umico. BirKart has a number of advantages, such as: obtaining an installment for up to 18 months, up to 40 days of interest-free loan in case of one-time payment, withdrawing the entire amount in cash and possibility to receive from 1,5% to 30% of cashback when paying for products and services. SMS notification service is provided free. In total, there are about 7500 partner network points of BirKart in the country and their number is constantly growing.

For more detailed information about BirKart please refer to, 196 Call Centre or the cards’s Facebook page You can also order BirKart by sending "1" to 8196 short number or contacting (+994 51) 250 99 99 via WhatsApp.