Payment Rings

3 years service cost


Charges and Fees


Payment rings based on contactless NFC technology perform most of the functions of an ordinary plastic bank card.

The “Payment Ring” product is provided together with "VISA Gold", "VISA Platinum" or "VISA Infinite" cards of the International Bank of Azerbaijan.

Opportunity to earn 2% cashback on payments made with Payment Rings.1

Free access to business lounges with Lounge Key proqram. Sign up.2

Chatbot Concierge service offers various benefits and discounts.

Free COVID-19 tests in "Sağlam ailə" and "Ultralab" health centers.2

Insurance and other services offered by VISA.

In case of loss or theft of the card, it is regulated in accordance with the tariff plan of the bank's payment cards.

1Cashback is not charged for utilities, mobile network bills, tax/custom, governmental, insurance and loan payments, payments of financial institutions, KartTransfer, Unique cash and Quasi cash transactions.

2Features are only for VISA Platinum and VISA Infinite cards. VISA Platinum cardholders have access to 2 Lounge Key passes and 2 free COVID-19 tests, VISA Infinite cardholders have access to 10 Lounge Key passes and 10 free COVID-19 tests.

Charges and Fees

Withdrawing cash from ATMs and POS terminals of ABB 1% (min. AZN/USD/EUR/GBP 1)
Funds transfer in Azerbaijan (minimum amount  AZN 10 or its equivalent, maximum AZN 1 000) by "Cash by Code" 1.15% (min. AZN/USD/EUR/GBP 1.5)
Transfers to the cards issued by the banks served by "Azericard" (KartTransfer) 0.15% (min. 0.6 AZN/USD/EUR/GBP)
Maximum cashback amount earned during a month on the same card AZN 300
Urgent card issue (only for branches and sub-branches of the Bank in Baku, Sumgayit, Khirdalan and Ganja) AZN 10 
PIN change service AZN 1 
Restoring blocked PIN Free
SMS Notification service Free
Connection to "3D Secure" service Free
ABB Mobile