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  • Woman icon Xoşqədəm Şirəlizadə
  • Date: 31 August, 2021
  • Eye icon 12429

What is a debit card? Is BirKart Umico provided by the bank debit card?

  • Kapital Bank Kapital Bank
  • Date: 9 June, 2025

A debit card is a plastic bank card used to make cashless payments and withdraw or deposit cash through an ATM. These cards, which allow you to make fast transactions, ensure that you make safe and convenient transactions. BirKart Umico (Birbank Umico) is presented in two types: installment and debit cards. BirKart Umico (Birbank Umico), provided by Kapital Bank, is a debit card product that allows you to earn cashback from your purchases with interest starting from 1.5%. To benefit from bank cards, apply online to get a card.

Birbank Star

With a credit line of up to 30,000 ₼, unlimited cash withdrawals and transfers, up to 30% cashback, and double VAT on QR payments, this is a simple and unique card with numerous benefits.​

  • Complex calculations​No
  • Annual interest​No
  • Shopping commission​No
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Birbank Cashback

This card offers you abundant bonuses, fast and easy payment options, free transfers, and cash withdrawals, as well as various other valuable benefits.​

  • Up to 30% cashback <br/>and Double VAT optionBonus
  • up to 63 daysGrace period of
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Birbank Umico

Umico bonuses and 2x VAT on payments​ . The choice of several bonus categories every month, 2x VAT refund on QR payments​

  • Umico bonuses from paymentsCashback
  • FreeCard price
  • Up to 63 daysGrace period
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Birbank Miles

A unique card that gives a bonus of 1 mile per 1 AZN for cashless payments with the card, free air travel, interest-free and commission-free installments.

  • 1 AZN = 1 MileAccumulation of miles
  • FreeCard price
  • Up to 63 daysGrace period
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Birbank Umico

It is a unique card jointly presented by Kapital Bank and Umico, designed for daily shopping, combining credit and installment card opportunities and the opportunity to earn additional Umico bonuses.

  • More Umico bonuses from paymentsCashback
  • FreeCard price
  • Up to 63 daysGrace period
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