Birbank Umico

Birbank Umico

Starting from 1.5% Cashback
About 3000 Partners
Free Card price
Up to 63 days Grace period

Get your Birbank card online right away!


Birbank card

We offer our clients an installment card they can get without effort.



500 10 000
3 Month 24 Month

monthly payment


Cashback amount with Umico bonuses from Birbank: 1.5%*
on non-cash transactions, 0.4% on installment transactions
*A 1.5% minimum cashback amount is applied on payments within the campaign which will continue until 31.08.2022.

Calculating of earned cashbacks

Calculation of cashback earned from Birbank and Umico applications with Birbank Umico card
MCC Credit
Utility payments
Mobile, TV, internet
(*Exceptions: Government payments (court, fine, guarantee, tax), postage, financial institutions, transport.


  • Service fee – 2 AZN monthly; (If you make non-cash payment of AZN 500 within the month through Birbank card (except for loan payments and transfers), the monthly service fee for the same month is not charged);
  • You can cash out up to 100% of the Birbank card limit;
  • Credit interest when credit card limit is used for cashing, transfer and loan payment - 25%
  • Grace period: up to 63 days
  • Persons receiving salary/pension from Kapital Bank or other bank can get Birbank card;
  • Age Limit: Min. 18 years old, max. 67 years old;
  • Experience at the last workplace must be at least 3 months (6 months for those who do not have a salary or pension card with Kapital Bank). There is no such experience requirement for pensioners;
  • Required documents: Identity card or personal card of the military officer

Umico Cashback – return of a part of the purchase amount to the Umico bonus account in the Umico and Birbank mobile applications. Bonuses are equivalent to real money and can be used for purchases within the Umico partner network. To get your joint bonuses from Umico and Birbank, it is enough to present both your Birbank Umico Premium bank card and Umico bonus card to the cashier. Maximum cashback amount that can be earned with Umico bonuses within 1 month is AZN 500. Bonuses above this limit are not calculated and taken into account for the next month.