UCard Unibank: The Ultimate Card for Your Banking Needs
If you are looking for a card that offers you everything you need for your banking needs, look no further than UCard Unibank. This card allows you to make purchases anywhere in the world with multi-currency accounts, a credit line with 40-day interest-free up to 10 000 , as well as receive up to 30% cashback and up to 6% annual cash rewards. In a word, all needs in one card!
What is UCard Unibank?
A multi-currency card that lets you make purchases anywhere in the world
With UCard Unibank, you can have four different currency accounts on your card, and change the currency you need and make transactions via UBank app at any time. Whether you are traveling abroad or shopping online, you can use your UCard without worrying about exchange rates or fees.
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A credit line with 40-day interest-free up to 10 000
With UCard Unibank, you can also enjoy a credit line that gives you up to 10 000 with no interest for up to 40 days. You can use this credit line for any purpose, whether it is an emergency expense or a planned purchase. You can also repay your credit line in installments without interest up to 18 months in more than 1000 partner stores.
A cashback and cash rewards program that gives you up to 30% and 6% respectively
With UCard Unibank, you can also earn money while spending money. You can get up to 30% cashback for non-cash expenses in different categories such as cafes, restaurants, petrol stations, and markets. You can also get up to 6% annual cash rewards on your card balance. The more you spend, the more you earn!
How to get UCard Unibank?
Download UBank app and find the nearest branch
To get your UCard Un Card Unibank, you need to download the UBank app on your smartphone and register with your ID card. You can also use the app to find the nearest Unibank branch where you can get your card ready.
Get your card ready at the branch
Once you visit the Unibank branch, you can get your UCard Unibank issued and activated within minutes. You can also choose the design of your card from different options. You don't need to pay any fee for the card issuance or maintenance.
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Get a loan on UCard instantly via UBank app
If you need a loan on your UCard Unibank, you can apply for it via UBank app and get it approved instantly. You can choose the amount and term of the loan, and see the interest rate and monthly payment before confirming. You can also repay your loan early without any penalty.
What are the benefits of UCard Unibank?
Free card issuance and maintenance
One of the benefits of UCard Unibank is that you don't have to pay any fee for getting or keeping your card. Unlike other cards that charge you monthly or annual fees, UCard Unibank is free of charge.
Free and unlimited top up and withdrawals in Unibank UTMs
Another benefit of UCard Unibank is that you can top up and withdraw money from your card as much as you want in any Unibank UTM without any fee. You can also use other banks' ATMs for a small fee.
Free and unlimited card to card transfers within Unibank and up to 2000 AZN to other banks
Another benefit of UCard Unibank is that you can transfer money from your card to any other Unibank card for free and unlimited. You can also transfer up to 2000 AZN per day to other banks' cards for free.
The first multi-currency card in the country that lets you change currencies via UBank app
Another benefit of UCard Unibank is that it is the first multi-currency card in the country that lets you change currencies via UBank app at any time. You can have four different currency accounts on your card, such as AZN, USD, EUR, and GBP, and switch between them with a few taps. You can also see the exchange rates and convert your money at the best rates.
The option to buy your favorite products for up to 18 months without interest in more than 1000 partner stores
Another benefit of UCard Unibank is that it gives you the option to buy your favorite products for up to 18 months without interest in more than 1000 partner stores across the country. You can find a wide range of products from electronics, furniture, clothing, cosmetics, and more. You can also pay with UCard without interest up to 40 days.
The ability to make purchases with UCard without interest up to 40 days
Another benefit of UCard Unibank is that it allows you to make purchases with your card without interest up to 40 days. This means that you can buy anything you want with your card and pay later without any extra cost. You can also repay your purchases in installments without interest up to 18 months in more than 1000 partner stores.
The opportunity to earn up to 5% cashback in different categories
Another benefit of UCard Unibank is that it gives you the opportunity to earn up to 5% cashback for non-cash expenses in different categories such as cafes, restaurants, petrol stations, and markets. You can also choose your favorite category every month and get double cashback. The more you spend, the more you earn!
The convenience of managing UCard via UBank app
Another benefit of UCard Unibank is that it gives you the convenience of managing your card via UBank app. You can use the app to check your balance, transactions, credit line, cashback, cash rewards, currency accounts, and more. You can also use the app to block or unblock your card, change your PIN code, set limits, activate or deactivate contactless payments, and more.
The security and ease of paying with Apple Pay and Google Pay
Another benefit of UCard Unibank is that it gives you the security and ease of paying with Apple Pay and Google Pay. You can add your card to these services and pay with your phone or smartwatch without taking out your card or entering your PIN code. You can also enjoy the security features of these services, such as biometric authentication, tokenization, and encryption.
What are the fees and charges of UCard Unibank?
A table that summarizes the fees and charges of UCard Unibank
Service
Fee
Card issuance
Free
Card maintenance
Free
Top up in Unibank UTMs
Free and unlimited
Withdrawal in Unibank UTMs
Free and unlimited
Top up in other banks' ATMs
1% (min 0.5 AZN)
Withdrawal in other banks' ATMs
1.5% (min 1 AZN)
Card to card transfer within Unibank
Free and unlimited
Card to card transfer to other banks (up to 2000 AZN per day)
Free
Currency exchange via UBank app
No commission, best rates
Credit line interest rate (up to 40 days)
No interest, only service fee (0.5% per month)
Credit line interest rate (after 40 days)
24% per annum (2% per month)
Cashback rate (in different categories)Up to 5%
Cash rewards rate (on card balance)Up to 6% per annum
Contactless payment limit (per transaction)50 AZN
Contactless payment limit (per day)200 AZN
Contactless payment limit (without PIN code)150 AZN or 10 transactions in a row
Paying with Apple Pay or Google Pay limit (per transaction)No limit, depends on card limit
Paying with Apple Pay or Google Pay limit (per day)No limit, depends on card limit
Paying with Apple Pay or Google Pay limit (without PIN code)No limit, depends on phone security settings
Conclusion
In conclusion, UCard Unibank is the ultimate card for your banking needs. It offers you a multi-currency card that lets you make purchases anywhere in the world, a credit line with 40-day interest-free up to 10 000 , a cashback and cash rewards program that gives you up to 30% and 6% respectively, as well as many other benefits. You can get your UCard Unibank easily by downloading UBank app and visiting the nearest Unibank branch. You can also manage your UCard via UBank app and pay with Apple Pay and Google Pay. Don't miss this opportunity and get your UCard Unibank today!
FAQs
Q: What is the difference between cashback and cash rewards?
A: Cashback is the money you get back for non-cash expenses in different categories such as cafes, restaurants, petrol stations, and markets. Cash rewards is the money you get for keeping your money on your card balance.
Q: How can I choose my favorite category for double cashback?
A: You can choose your favorite category every month via UBank app. You can change your category once a month.
Q: How can I activate or deactivate contactless payments?
A: You can activate or deactivate contactless payments via UBank app. You can also set limits for contactless payments via UBank app.
Q: How can I add my card to Apple Pay or Google Pay?
A: You can add your card to Apple Pay or Google Pay by following the instructions on your phone or smartwatch. You can also use UBank app to scan your card and add it to these services.
Q: How can I contact Unibank customer service if I have any questions or problems?
A: You can contact Unibank customer service by calling 136 or sending an email to info@unibank.az. You can also use the chat feature on UBank app or visit any Unibank branch. 44f88ac181
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