Earn with payments!

5% cashback is calculated for all payments made at supermarkets, pharmacies, gas stations, and auto parts' stores, and 1% cashback is calculated for every transaction that belongs to other categories. It's possible to earn lots of cashback by adding "akart" to Apple Pay or Google Pay and making payments.

In addition, VISA PayCity offers various discounts for "akart" customers in its partner network. The discounts may vary depending on the type of card. Therefore, it is recommended to familiarize yourself with the discount conditions for that partner merchants in advance.

Transactions earning cashback apply only to non-cash payments made on the territory of Azerbaijan.

The cashback amount is transferred to the sub-account immediately after the cashless payment.

Cashback can be earned on 5 transactions in each category during the day.

There is no minimum requirement set for turnover to earn cashback.

You can earn up to 100 AZN cashback per month by earning 5% cashback on supermarket, pharmacy, gas station and auto spare expenses and 1 % for any other categories.

The maximum cashback that may be earned is fixed at 10 AZN for one payment and 25 AZN per month for each category.

The amount of cashback you earn from a cashless payment is deducted from your account when the transaction is cancelled. If the cashback you earned is no longer available in the cashback balance, the cashback amount will be deducted from the value of the merchandise when the transaction is returned.

• Insurance payments;
• Betting games;
• When depositing funds to the card (operations such as ATM-Cash, Pos-Cash);
• Card-to-card transfer operations (Card-to-Card, Visa Direct, Mastercard Money Send);
• ASAN service payments;
• When depositing funds into the balance of electronic wallets (QIWI, YandexMoney, etc.);
• Online payments for debt repayment (mortgage, consumer credit, installment, debt repayment with a grace period, etc.);
• Online payments (Utilities, state payments, fines, taxes, customs duties, etc.) carried out through the Government Portal (HÖP);
• When shopping in stores and online websites located outside the country;
• Payments to mobile operators;
• Payments for public transportation;
• Cashback is not available for transactions made in commercial facilities where cases of abuse have been detected.

Cashback is calculated only for transactions made with AZN.

It is temporarily impossible to get cashback at petrol stations for payments made with QR code.

- The user can earn 1% cashback on utility payments made with 'akart' using the 'Azercell Kabinetim' app. (Azərsu (individuals/commercial users), Azəriqaz, Azərişıq (individuals/commercial users) AzərİstilikTəchizat);

- It's possible to earn on 5 transactions maximum every day;

- These payments belong to the “Other Payments” category;

- The maximum amount a user can earn is 10 AZN once and 25 AZN in total;

- The earned amount is included in “the monthly cashback limit of 100 AZN” and the general rules of “Cashback Bonuses” are applied to this category.

- A user can earn 1% cashback by topping up Azercell mobile number balance with “akart” at the “Azercell Kabinetim” app;

- It's possible to earn on 5 transactions maximum every day;

- These payments belong to the “Other Payments” category;

- The maximum amount a user can earn is 10 AZN once and 25 AZN in total;

- The earned amount is included in “the monthly cashback limit of 100 AZN” and the general rules of “Cashback Bonuses” are applied to this category.

Users can earn gigabytes for cashless payments made with "akart." It’s possible to earn 1 GB for every 50 AZN of cashless payment, and maximum 10 GB can be earned monthly.

Users can start earning gigabytes by clicking the “Switch to Gigabytes” button below on the “akart” - “My Bonuses” page. Gigabyte Bonuses will be active from the first day of the following month. Gigabytes can only be activated for the number associated with “akart”. Once the earned bonus internet package is depleted, you will switch to another available internet package. The package can be canceled through "Kabinetim" or via SMS.

Users can earn 1 GB for every cashless payment of 50 AZN they make through "akart." It's possible to earn a maximum of 10 GB as a bonus within one month. Making a single payment of 50 AZN is not required. If the amount of 50 AZN is not completed during the month, the remaining amount will be calculated for the next month, but this condition will expire when the user changes the bonus option.

GB bonuses are only applicable to payments made through POS and eComm channels. (Exceptions: payments related to government, credit, insurance, mortgage, transfers, and utility services). Note: GB bonuses may not be applicable for payments made at certain commercial establishments identified as fraud.

Each payment of 50 AZN made is confirmed within a period of 14 days. If a user makes payments of different amounts, they will be able to activate the GBs only after 14 days after the completion of their last payment (considering the rule that it will activate on the 1st day of the next month).

The activated internet package can be used within 15 days. The earned internet package can be activated from the first to the last day of the next month, and the user cannot transfer the earned bonus to another user. The promised gigabyte volume can only be activated fully. If confirmed GBs are not activated by the end of the month, the bonuses will be cancelled and will not be carried over to the next month.

No. As the selected bonus category will be allowed to use starting from the next month, it’s possible to go on activating and using GB bonuses during the current month. Note: the bonus category can be changed only once in a month.