Your card for all purposes
0% Credit
no commission for up to 30 days
400 AZN
minimum required salary
Additional CashBack
Up to 7% in selected categories
One answer to all your questions
Fast
Loan with a minimum required documents
Your ID card is enough
Available
Credit up to 3 000 AZN
Interest-free credit line regardless of the workplace
Clear
No interest! Easily calculate the commission
Fixed fee per used amount for easy calculation
Calculation tableCard without extra cost
Minimal expenses no matter what!
0 ₼
Card cost
0 ₼
Yearly service fee
0 ₼
SMS banking
How can I get OK Card?
1
Fill the request form
Fast. No need for additional documents
2
Wait for the confirmation
The operator will contact you to confirm submitted information.
3
OK Card is yours!
Pick up your card at the nearest branch
Order your OK Card now!
Payment methods
OK Card Details
Commission calculation
Tariffs
Terms of Use for the OK Card
Main conditions:
- For every full or partial 200 AZN spent, a monthly commission fee of 5 AZN is charged.
- The commission starts to accrue if the spent amount is not repaid by the last business day of the month.
Note:
If the month ends on a non-working day, the payment date is moved to the next business day.
Example:
In the table below, you can see an example of how commission fees are applied when using the OK card:
- 200 ₼
- 200 ₼
January 3
The customer spends 200 AZN using the OK card. Debt: -200 AZN
- 5 ₼
- 205 ₼
February 1
Since the month has ended, the unpaid debt is carried over to the next month. At this point, a monthly usage fee is charged. Usage fee: -5 AZN. Total debt: -205 AZN
+ 5 ₼
- 200 ₼
February 20
The customer pays only the service fee (5 AZN). Total debt: -200 AZN (the main debt still remains)
- 5 ₼
- 205 ₼
March 1
Since February has ended, the main debt is carried over to the next month, and the monthly usage fee is charged again. Usage fee: -5 AZN. Total debt: -205 AZN
+ 205 ₼
0 ₼
March 25
The customer repays the full main debt along with the service fee, totaling 205 AZN. Total debt: 0 AZN
Tariffs
| Cashback | up to 30% |
| Replacing PIN | free of charge |
| SMS notification service | free of charge |
| Price | free of charge |
| myAccess | free of charge |
| AccessQazanc service | free of charge |
Document
Tariffs on payment cardsFAQ
How can I use the credit line?
With the OK card, you can make payments, withdraw cash, and perform other transactions at any time within the provided credit limit. Usage within the limit is completely flexible.
If I fully repay the debt by the end of the month, will there be any extra charges?
No. If you fully repay the used debt by 12:00 on the last business day of the month, no interest or service fee will be applied
Example:
Suppose you used 400 AZN in January. If you repay this amount in full by January 31, 12:00 — there will be no additional charges.
Example:
Suppose you used 400 AZN in January. If you repay this amount in full by January 31, 12:00 — there will be no additional charges.
What happens if I cannot repay the debt by the end of the current month?
If the debt is carried over to the next month, no interest is charged. Only a fixed monthly fee of 5 AZN per 200 AZN is applied. By paying the fee, you can extend your debt until the end of the credit line’s term.
Example:
For 430 AZN, a monthly fee of 15 AZN will be charged.
After the fee is applied, you must pay it within 1 month.
Example:
For 430 AZN, a monthly fee of 15 AZN will be charged.
After the fee is applied, you must pay it within 1 month.
How much is the commission for cash withdrawal or transfers?
For cash withdrawals and transfers to another account (financial transactions), a 2% commission of the transaction amount is charged and added to the debt.
Example:
If you withdraw 500 AZN, a 10 AZN commission will be charged. The total debt will be 510 AZN.
Example:
If you withdraw 500 AZN, a 10 AZN commission will be charged. The total debt will be 510 AZN.
What is the minimum monthly payment?
The minimum monthly payment consists only of the service fee.
What happens if I don’t make the payment on time?
If you don’t make the minimum payment
within 1 month,
the credit line is blockedAfter making the payment,
it is reactivated the same day in the evening.
. If the delay continues for
30 consecutive days,
the Bank may reset your limit.
How can I repay my debt?
Payments can be made through the following channels:
- myAccess app (with an AccessBank or any other bank card)
- 24/7 Cash-in terminals
- E-manat and MilliÖn
How can I check my debt in myAccess?
- Go to the “Cards” section in the myAccess app
- Select your OK card
- Click on the “i” icon in the top right corner
- A window will display information about the debt amount, available limit and commission
Note: Card-to-Card transfers increase the balance but are not counted as debt or fee repayments!
Can I use Apple Pay and Google Pay?
Yes, you can add your OK card to Apple Pay and Google Pay to make purchases conveniently.
Why should I download the myAccess app?
With the myAccess app, you can:
- Monitor your debt in real time
- Avoid delays
- Make payments in the most convenient and secure way
Comission calculation table
Tariffs
OK Card usage and payment example
| Credit limit | Commission Fee * | Delay Fee ** |
|---|---|---|
| < 200 ₼ | 6 ₼ | 6 ₼ + 5% annual interest |
| < 600 ₼ | 16 ₼ | 16 ₼ + 5% annual interest |
| < 1000 ₼ | 24 ₼ | 24 ₼ + 5% annual interest |
| < 1400 ₼ | 32 ₼ | 32 ₼ + 5% annual interest |
| < 1700 ₼ | 37 ₼ | 37 ₼ + 5% annual interest |
| < 2000 ₼ | 42 ₼ | 42 ₼ + 5% annual interest |
| < 2500 ₼ | 52 ₼ | 52 ₼ + 5% annual interest |
| < 3000 ₼ | 60 ₼ | 60 ₼ + 5% annual interest |
* The cost that may arise if the debt amount is not paid for the current month
** Additional cost that may arise if the commission is not paid for the next month during the period after the grace period
Tariffs
| Cashback | up to 30% |
| Replacing PIN | free of charge |
| SMS notification service | free of charge |
| Conversion | 1.5% |
| Price | free of charge |
| myAccess | free of charge |
| AccessQazanc service | free of charge |
Document
Tariffs on payment cardsOK card's credit limit is for 36 months with a maximum commission of AZN 60.
Clients can settle their debts on an OK credit card without any fees until 1:00 PM on the 5th day of every month.
Clients can settle their debts on an OK credit card without any fees until 1:00 PM on the 5th day of every month.