Expresso Standard (Credit)
If you are looking for a card possessing both debit and credit card functions on favorable terms, this product is for you!
5 reasons to choose the Expresso Standard card:
Up to 40 days
Possibility of an interest-free loan
Up to 30%
Cashback
Contactless payment
Up to 100 AZN
Express24
Easy and instant payment through Express24 Mobile application
ExpressPay
Comfortable payments through more than 700 Expresspay terminals
Overview
| Expresso Standard | |
|---|---|
| Fee for 4 years | 10 ₼ |
| Duration | 4 years |
| Free with down payment | 300 AZN / 200 USD/EUR/GBP |
| SMS Notification | Monthly fee 2.50 AZN |
| Loan amount | 300 ₼ - 10000 ₼ |
| Annual interest rate | 24% |
| Grace period | up to 40 days (until the 10th of the next month) |
| Cashback |
Up to 30% for partners |
| Order |
| Expresso Standard |
|---|
| Fee for 4 years |
| 10 ₼ |
| Free with down payment |
| 300 AZN / 200 USD/EUR/GBP |
| 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 |
| 24% |
| Grace period |
| up to 40 days (until the 10th of the next month) |
| Cashback |
|
Up to 30% for partners |
| Order |
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 ₼/$/€/£) |
|
From other resident bank"s network |
1.5% (min. 2 ₼/$/€/£) |
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 - 70 years (loan expiry date must be before 70 years of age)
Applicant"s age
6 months employment duration
For clients working in the public sector: minimum 20, maximum 65 years (as of the date of loan agreement). For clients working in the private sector: minimum 23, maximum 65 years (as of the da
Citizen of the Republic of Azerbaijan
Applicant's and guarantor's citizenship