Additional info

Card type: MasterCard World

Usage of OIL bonuses: Accrued bonuses are transferred to Customer’s bonus account on the last day of the same month. The bonuses accrued over this card may be used at all AZPETROL gas stations across the country. 1 OIL bonus gained is equivalent to 1 AZN. These bonuses may not be converted to cash. The bonuses may be used until card expiry date.

Monthly minimum number of OIL bonuses: 5 OILs

Monthly maximum number of OIL bonuses: 300 OILs

XalqKart Petrol in non-partner trade and service establishments earns in the amount of 3% of the cashless payment amount, but maximum 30 Oil-bonuses per month for one type of MCC code groupes.

Interest calculation on card balance: Interests are calculated on a daily basis and are transferred to card balance on the last business day of the given month.

Minimum daily balance on which interest is calculated: 100 AZN

Maximum daily balance on which interest is calculated: 2000 AZN

Cash out: Cash-out up to 1 000 AZN per month on each card account via Xalq Bank's ATMs and POS terminals is free of commission. Standard commission will be charged for cash-out of more amounts (0.5% min. 0.4 AZN).

Card to Card: Via XalqOnline Card to Card up to AZN 5,000 equivalent per month is free of charge. For amounts above and for all amounts through other channels 0.5% min. 0.20 AZN/USD/EUR/GBP fee is charged.

Card replenishment: XalqKart balance may be deposited without additional commission via branches of the Bank and Cash In type ATMs, also via payment terminals.

Tracing OIL bonus balance: You can get information about earned OIL bonuses by activating the SMS-notification service. Also, you may make your card transactions by XalqOnline mobile application and get detailed information about your OIL balance.

OIL bonuses at the Bank’s partners' network: It is available only by paying with XalqKart PETROL cards via Xalq Bank’s POS terminals in partner shopping centers and service areas.

Each client can get only one XalqKart PETROL.

Transactions on OIL bonuses is not calculated.

Delivery service is active in Baku. The service is free of charge and implemented within 10 working days.