Expresso Platinum (Credit)
If you want to emphasize your uniqueness, have special advantages and opportunities, and have a card with both debit and credit functions, an interest-free credit line, this product is for YOU.
5 reasons to choose the Expresso Platinum card:
6%
Income on annual debit balance
Up to 40 days
Possibility of an interest-free loan
Contactless payment
Up to 100 AZN
Up to 30%
Cashback
ExpressPay
Comfortable payments through more than 700 Expresspay terminals
Overview
| Expresso Platinum | ||||
|---|---|---|---|---|
| Fee for 4 years | 50 ₼ | |||
| Duration | 4 years | |||
| Lounge Key* | Free during the year within the offers of the payment system, 32 USD for other subsequent uses | |||
| Free with down payment | 1000 AZN | |||
| SMS Notification | Monthly fee 2.50 AZN | |||
| Loan ammount | 300 ₼ -10000 ₼ | |||
| Annual interest rate |
20% |
|||
| Grace period |
up to 40 days (until the 10th of the next month) |
|||
| Cashback |
|
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| VISA card benefits*
|
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| Lounge Key | Free during the year within the offers of the payment system, 32 USD for other subsequent uses | |||
| Vitamin D assay | Free use twice a year | |||
| Covid 19 test | Free use twice a year | |||
| Order | ||||
*In order to benefit from the advantages of Visa card, it is necessary to make NFC payments worth AZN 100 within 35 days, excluding the last 5 days.You can get more detailed information about other privileges from this link.
| Expresso Platinum |
|---|
| Fee for 4 years |
|
50 ₼ |
|
Lounge Key* |
| Free with down payment |
| 1000 AZN |
| Annual income to debit balance (only for cards in ₼ currency) |
| 6% |
| SMS Notification |
| Monthly fee 2.50 AZN |
| Loan ammount |
| 300 ₼ - 10000₼ |
| Annual interest rate |
| 20% |
| Grace period |
| up to 40 days (until the 10th of the next month) |
| Lounge Key* |
| 2 times a year for free. USD 32 for each subsequent use |
| Cashback |
| Up to 30% for partners |
| Order |
*In order to benefit from the advantages of Visa card, it is necessary to make NFC payments worth AZN 100 within 35 days, excluding the last 5 days.You can get more detailed information about other privileges from this link.
Tariffs
|
Service fee for emergency card issuance |
10 ₼ |
|
Service fee for card reissue |
5 ₼ |
|
Fee for unfounded complaints |
15 ₼ |
|
Service fee for "Unique" transactions (wager games, casino) |
4%(min.3 AZN/USD/EUR/GBP) |
|
“PIN Erase”- Restoring of PIN Code |
2 ₼ Free with Express24 mobile app and ATM |
|
TARIFFS of transactions liable to a tax |
|
|
About transfer of amounts from Expressbank ATM (ExpressTransfer) Tarrifs |
|
| The service payment for the preparation of an additional card varies from 7 AZN for Expresso Standart, 20 AZN for Expresso Gold and 35 AZN for Expresso Platinum card. | |
* According to the changes in the AR Tax Code (Article 102.1.22) that came into force on January 1, 2024: a 10% tax will be charged on the annual interest income paid on card balances of individuals.
Cashing
|
From debit balance |
From credit balance |
|
|---|---|---|
|
From ATMs and branches of Expressbank OJSC |
is free of charge |
1.5% (min. 2 ₼/$/€/£) |
|
From other resident banks network |
1.5% (min. 2 ₼/$/€/£) |
2% (min. 3 ₼/$/€/£) |
|
From non-resident banks abroad |
3% (min. 3 ₼/$/€/£) |
3% (min. 3 ₼/$/€/£) |
M10 Electronic wallet
|
Commission |
Daily count limit |
Monthly transfer limit |
|
|---|---|---|---|
|
Deposit/spend to M10 e-wallet |
0% - up to 5000 AZN 1% - over 5000 AZN |
10 times |
Up to 20,000 AZN |
Online payment
|
From debit balance |
From credit balance |
|
|---|---|---|
|
Online loan payment, Increasing funds on deposit, Debit/current accounts and "e-wallet" through personal account, Express24, Websites/mobile applications |
0% |
1.5% (min. 2 ₼/$/€/£) |
| Online loan payment, Increasing funds on deposit, Debit/current accounts and "e-wallet" through personal account, Express24, Websites/mobile applications | |
| From debit balance | From credit balance |
| 0% | 1.5% (min. 2 ₼/$/€/£) |
Requirements
Identification document
Official income document
on demand
Minimum - 20, maximum - 65 years
Applicant"s age
Citizen of the Republic of Azerbaijan
Applicant's and guarantor's citizenship
12 months
Applicant's mployment duration