OK Card — 0% Interest Credit Card with Cashback
One answer to all your questions
Loan with a minimum required documents
Your ID card is enough
Credit up to 3 000 AZN
Interest-free credit line regardless of the workplace
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?
Order your OK Card now!
Payment methods
OK Card Details
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:
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
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:
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:
If you withdraw 500 AZN, a 10 AZN commission will be charged. The total debt will be 510 AZN.
- myAccess app (with an AccessBank or any other bank card)
- 24/7 Cash-in terminals
- E-manat and MilliÖn
- 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!
- Monitor your debt in real time
- Avoid delays
- Make payments in the most convenient and secure way
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 Credit Card and Its Benefits – Interest-Free Shopping and Unlimited Cashback
The OK Credit Card is a financial product offered by the bank that allows customers to make payments both in daily shopping and online transactions. Unlike a regular bank card, a credit card is not limited only to the available balance, as it provides an additional credit limit. This gives users more flexible financial management. Moreover, AccessBank’s OK Credit Card offers up to 30 days of interest-free grace period and the opportunity to earn unlimited cashback. For those searching online for information about credit cards in Azerbaijan, the main question is what advantages this card provides. That is why many customers are particularly interested in profitable credit cards that offer cashback on everyday purchases.
Online Credit Card Application – Fast and Easy Process
You no longer need to visit a bank branch to apply for the OK Credit Card. With online credit card services, ordering a credit card is faster and more convenient. During the online application process, you can easily submit your request without wasting time. Our specialists process your request online and quickly inform you about the approved credit card limit. The OK Credit Card itself is delivered to your address within Absheron. Online credit card services provide customers not only with time savings but also with a more comfortable application process.
Checking OK Card Balance – 24/7 Control via Mobile App and Internet Banking
One of the most important features for customers is the convenience of balance checking. This can be done via mobile phone, ATM, or directly through the AccessBank “myAccess” mobile app and internet banking. With these services, customers can monitor their OK Credit Card balance 24/7. Regular bank credit card holders can also check their balances anytime with the same ease.
Online Transactions with the OK Credit Card – Benefits of Card-to-Card Transfers
Another advantage of the credit card is the ability to make online money transfers. Customers can use the card-to-card transfer service to send funds instantly to any card. This makes daily financial operations simpler and more practical. Moreover, with just a few clicks, you can place an online order for the OK Credit Card and immediately take advantage of these services. For bank card holders, this operation is also very convenient, as funds can also be transferred using a standard bank card.
What to Consider When Choosing a Credit Card – Fees, Interest-Free Period, and Cashback Terms
When applying for a credit card, several important factors must be considered. The annual service fee and the terms of the interest-free period should be reviewed first. Additionally, options for balance checking, free card application, the conditions of the bank credit card, and the speed of online transfers are also important criteria. Taking all these details into account helps customers select the most affordable credit cards that suit their needs.
Financial Freedom with OK Credit Cards – Flexibility and Convenience in Daily Expenses
Unplanned expenses, major purchases, or online transactions often require extra flexibility. In such cases, the OK Credit Card simplifies your life and gives you more control. Now, applying for an OK Credit Card online, checking your card balance through the mobile app, or making instant card-to-card transfers is easier than ever. Whether you need a simple bank card or a more advanced credit card with additional benefits, these products make daily financial management more convenient. If you want to explore the advantages of credit cards and better manage your budget, the OK Credit Card from AccessBank will be a valuable choice for you.