Platinum
Black
Elite
Currency of the card
AZN, USD
AZN, USD
AZN, USD
Validity
3 years
3 years
3 years
Name of the card
Platinum
Black
Elite
Type of the card
Visa Platinum
MasterCard Black Edition
MasterCard World Elite
Annual subscription fee for joining the "Miles&Smiles" program
Annual subscription fee - 40 AZN
Annual subscription fee - 25 USD
Annual subscription fee - 90 AZN
Annual subscription fee - 55 USD
Annual subscription fee - 300 AZN
Annual subscription fee - 175 USD
Additional card
Annual subscription fee - 40 AZN
Annual subscription fee - 25 USD
Annual subscription fee - 90 AZN
Annual subscription fee - 55 USD
Annual subscription fee - 300 AZN
Annual subscription fee - 175 USD
Penalty for the card's loss or damage
20 AZN
12 USD
20 AZN
12 USD
20 AZN
12 USD
Cash withdrawal through the ATM and POS-terminal
Platinum card provides commission-free cash withdrawal in the equivalent of a maximum 500 AZN per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 500 AZN
Platinum card provides commission-free cash withdrawal in the equivalent of a maximum 300 USD per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 300 USD
Black card provides commission-free cash withdrawal in the equivalent of a maximum 1000 AZN per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 1000 AZN
Black card provides commission-free cash withdrawal in the equivalent of a maximum 600 USD per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 600 USD
Elite card provides commission-free cash withdrawal in the equivalent of a maximum 2000 AZN per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 2000 AZN
Elite card provides commission-free cash withdrawal in the equivalent of a maximum 1200 USD per month. The commission is being charged at the time of the transaction and will be refunded within the first 10 days of the following month (only for the first-time transactions). The amount deposited through the cashier’s office is processed without commission only when it is withdrawn from the cashier’s office.
Free up to 1200 USD
In case of over limit for free cash withdrawal via ATM and POS terminal
PASHA Bank, Kapital Bank
1%
1%
1%
On other domestic banks
1%
1%
1%
Foreign Bank’s ATMs
1.5% min 3 AZN
1.5% min 3 USD
1.5% min 3 USD
1.5% min 3 AZN
1.5% min 3 USD
1.5% min 3 USD
1.5% min 3 AZN
1.5% min 3 USD
1.5% min 3 USD
Card-to-Card through ATM
Domestic
1% (min 1 c.f.u)
1% (min 1 c.f.u)
1% (min 1 c.f.u)
Cross-border
Not applicable
Not applicable
Not applicable
Card-to-Card through Mobile App
Between your own PASHA Bank cards
0%
0%
0%
Between Miles&Smiles cards
0%
0%
0%
Other PASHA Bank cards
0%
0%
0%
Domestic (other)
1% (min 1 c.f.u)
1% (min 1 c.f.u)
1% (min 1 c.f.u)
Cross-border
Not applicable
Not applicable
Not applicable
Cash-in via money transfer/card-to-card
During the money transfer to this card products through the Mobile App by another PASHA Bank card via Card-to-Card, the sender will not be charged any commission due to this transfer.
Free
During the money transfer to this card products through the Mobile App by another PASHA Bank card via Card-to-Card, the sender will not be charged any commission due to this transfer.
Free
During the money transfer to this card products through the Mobile App by another PASHA Bank card via Card-to-Card, the sender will not be charged any commission due to this transfer.
Free
PIN Change and 3D Secure
Free
Free
Free
Cash-In
A free of charge cash out is only possible up to the limit, equal to the amount you deposited and it can be done free of charge only if you withdraw cash from the cashier’s office. For example, if you have deposited 500 AZN to your "Miles&Smiles" card through the cashier’s office, you can cash out that amount for free at the cashier’s office only.
Free
A free of charge cash out is only possible up to the limit, equal to the amount you deposited and it can be done free of charge only if you withdraw cash from the cashier’s office. For example, if you have deposited 500 AZN to your "Miles&Smiles" card through the cashier’s office, you can cash out that amount for free at the cashier’s office only.
Free
A free of charge cash out is only possible up to the limit, equal to the amount you deposited and it can be done free of charge only if you withdraw cash from the cashier’s office. For example, if you have deposited 500 AZN to your "Miles&Smiles" card through the cashier’s office, you can cash out that amount for free at the cashier’s office only.
Free
Conversion commission
1% (in accordance with the exchange rate of the Central Bank of the Republic of Azerbaijan)
1% (in accordance with the exchange rate of the Central Bank of the Republic of Azerbaijan)
1% (in accordance with the exchange rate of the Central Bank of the Republic of Azerbaijan)
Taxes and customs payments (excluding payment of GPP)
PASHA Bank POS-terminals
0.15% (min 0.5 c.f.u)
0.15% (min 0.5 c.f.u)
0.15% (min 0.5 c.f.u)
Other POS-terminals
0.2 % (min 0.5 c.f.u)
0.2 % (min 0.5 c.f.u)
0.2 % (min 0.5 c.f.u)
Administrative fines, state fees and other payments to the state budget, payments for services of budgetary organizations (excluding GPP payments)
0.5% (min 0.3 c.f.u)
0.5% (min 0.3 c.f.u)
0.5% (min 0.3 c.f.u)
“Unique” type betting games
3% (min 2.50 c.f.u)
3% (min 2.50 c.f.u)
3% (min 2.50 c.f.u)
Chargeback operation inquiry
Domestic
Free
Free
Free
International
10 AZN
10 AZN
10 AZN
Technical Overdraft (annual)
0%
0%
0%
Concierge service
Free Chatbot service
Free Chatbot service
Free Chatbot and Call service
Lounge Key
Access to the more than 1000 VIP halls (2 free entrance)
Access to the more than 1000 VIP halls 10 times a year
Unlimited and free access to the more than 1000 VIP halls
The calculation of miles
According to the miles calculation instructions for Miles&Smiles cardholders
According to the miles calculation instructions for Miles&Smiles cardholders
According to the miles calculation instructions for Miles&Smiles cardholders
Additional terms
According to the miles calculation instructions for Miles&Smiles cardholders and General Terms and Conditions
According to the miles calculation instructions for Miles&Smiles cardholders and General Terms and Conditions
According to the miles calculation instructions for Miles&Smiles cardholders and General Terms and Conditions
Note: 18% VAT may be applied to some foreign transactions.