Hamkorbank Visa cards
Fees as of 22.10.2026More details
All Hamkorbank Visa cards on one page: 9 cards, currencies: UZS, USD, EUR. Fees are taken from the bank website.
Fees are taken from the banks’ websites and may change: check the terms with the bank before getting a card. The amount in the table is for the main case (for example, withdrawal at the bank’s own ATM); variants and conditions are shown in the cell.
Visa in UZS
Visa in UZS available to non-residents
| Issuing | freefree (application and reissue)card page and cl. 1.19.1 of the General Tariff (Visa Pul Card) |
|---|---|
| Maintenance | freefreemonthly maintenance is free (page FAQ) |
| Reissue | freefreeitem 1.19.1: Visa Pul Card issuance and reissue free |
| Withdrawal at own ATMs | freeUzcard ATMs (incl. Hamkorbank): free up to 3 mln UZS per month, 1% above; Hamkorbank cashier: 1,5%cl. 1.19.3 a, c; card page: over 3 mln UZS the fee is 1% |
| Withdrawal at other banks’ ATMs | 1.5%ATMs (Humo) in Uzbekistan: up to 3 mln UZS per month 1,5%, over 3 mln UZS per month 2,5%; when withdrawing at another bank's ATM, the third-party bank's fee is addedclause 1.19.3 b; the tariff does not show whose Humo ATMs exactly; page: at another bank's ATM, that bank's fee is added |
| Top-up | freefree: cash at Hamkorbank cashier desks and ATMs, at other banks' ATMs, terminals and Paynet agents; in the Hamkor app from HUMO/UZCARD cardscl. 1.19.4, 1.19.5 |
| Transfer to another bank’s card | freein the Hamkor app to UZCARD/HUMO and Visa Hamkorbank cards: up to 10 mln UZS per month free, above 10 mln UZS per month 1%cl. 1.19.6; the 10 mln UZS limit refers to the free volume, not to a ban on transactions |
| Other | payment at points with MCC 6050, 6051, 6538, 6540, 6211: 1,5%; investigation of disputed transactions (chargeback rejection) 230 000 UZS; electronic statement freecl. 1.19.8-1.19.10 |
| Deposit / minimum balance | freeminimum balance 0 UZScard page and cl. 1.19.2: there is no minimum balance |
| Interest on balance | 10%/year10% per annum on the balance, accrued daily, paid on the first business day of the following month; interest only when the balance is from 10 000 UZSdiscrepancy: the General Tariff cl. 1.6 states 0% on the balance for individuals' cards; the 10% condition is given on the card page |
| Validity | 5 years |
In the General tariff the card is called Visa Pul Card. Payment abroad and in global online stores is available.
Visa Classic credit card residents only
| Issuing | freefree (issuance and maintenance)item 1.18.1; page: issuance and maintenance free |
|---|---|
| Maintenance | freefreecredit card page |
| Reissue | freeupon expiry: free; upon change of surname, loss or damage: 50 000 UZScl. 1.18.2 |
| Withdrawal at own ATMs | 3.9% (min. 26 000 UZS)ATMs: 3,9% (min. 26 000 UZS); cash desks: 5%cl. 1.18.6 |
| Top-up | freefree: at the bank's teller, by transfer from Uzcard/Humo cards (P2P) in the app, from other banks' cards via Visa Directcl. 1.18.3 |
| Transfer to another bank’s card | 3.9% (min. 26 000 UZS)transfer from card to cards of other banks (P2P, Visa Direct): 3,9% (min. 26 000 UZS)cl. 1.18.8 |
| SMS notifications | freeactivation of the online purchases service and SMS banking is freecl. 1.18.10 |
| Other | rate 40% per year; interest-free period of up to 50 days on all transactions; min. payment 10% of the amount spent plus interest; payment for purchases free; quasi-cash 1% (min. 15 000 UZS); balance inquiry via ATM 5 000 UZS; written statement of balances 75 000 UZS; investigation 230 000 UZSclause 1.18; credit card page |
| Other limits | credit limit from 1 mln to 50 mln UZS, revolvingcredit card page |
| Deposit / minimum balance | freeno minimum balancecl. 1.18.4 |
| Validity | 4 years |
Applications for the credit card are temporarily suspended (per the page as of 22.10.2026). Card term 4 years (in the last 12 months the limit decreases by 1/12 per month). Requirements: citizenship of Uzbekistan, age from 18 years, confirmed income for at least 6 months.
Visa in USD
HUMO Visa (co-badge) available to non-residents
| Issuing | 30 000 UZS30 000 UZS; non-residents 500 000 UZSnon-residents: 500 000 UZSsame card as the humo/UZS entry; cl. 1.17 |
|---|---|
| Maintenance | freefree (one account in UZS and dollars) |
| Withdrawal abroad | 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feecl. 1.17.1 a |
| Validity | 5 years |
Dollar account of the HUMO Visa co-badge card; there are no separate tariffs for the USD account other than those given.
Visa Classic available to non-residents
| Issuing | freefree (including when ordered via the Hamkor Mobile app); free for non-residentsitem 1.8.1 of the General tariff; card page |
|---|---|
| Maintenance | freefreecard page |
| Reissue | freeupon expiry: free; upon loss/damage: 25 000 UZS (on the card page 50 000 UZS)non-residents: 50 000 UZSdiscrepancy: cl. 1.8.2 - 25 000 UZS for residents, page - 50 000 UZS |
| Withdrawal at own ATMs | freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.8.6 a, b |
| Withdrawal at other banks’ ATMs | 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feeitem 1.8.6 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD) |
| Withdrawal abroad | 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: «cashiers or ATMs of other banks»; there is no separate line for foreign ATMs |
| Top-up | freefree: cash, transfer within Hamkorbank, transfer from accounts in other banks; via third-party banks' ATMs/cashier desks - that bank's feecl. 1.8.3, 1.8.13 |
| Transfer to another bank’s card | 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.8.8; minimum 1 USD on the card page |
| SMS notifications | freeconnecting SMS banking and online purchases is freecl. 1.8.10 |
| Other | payment for checks, foreign currency, e-wallets, trading accounts (quasi-cash): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM: 0,5 USD; written statement of balances 75 000 UZS; disputed transaction investigation 230 000 UZSclauses 1.8.5, 1.8.7, 1.8.11, 1.8.12 |
| Deposit / minimum balance | free0 US dollars (residents); non-residents 10 USD; Visa Exchange PayWave 5 USDnon-residents: 10 USDclause 1.8.4; card page: minimum balance 0 USD |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
| Validity | 5 years |
Website page: card in USD and EUR (one page for both currencies). Tariffs in the document are set in US dollars; there are no separate values for the EUR card.
Visa Gold
| Withdrawal at own ATMs | freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.9.4 a, b |
|---|---|
| Withdrawal at other banks’ ATMs | 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feeitem 1.9.4 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD) |
| Top-up | freefree: in cash, by transfer within Hamkorbank, from accounts in other bankscl. 1.9.1, 1.9.11 |
| Transfer to another bank’s card | 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.9.6 |
| SMS notifications | freeconnecting SMS banking and online purchases is freecl. 1.9.8 |
| Other | quasi-cash: 1% (min. 1 USD); balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation 230 000 UZScl. 1.9.3, 1.9.5, 1.9.9, 1.9.10 |
| Deposit / minimum balance | 5 USD5 US dollars; non-residents 10 USDnon-residents: 10 USDcl. 1.9.2 of the General Tariff |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
Visa Gold exists only in the General Tariff (section 1.9), there is no card page on the website; issuance and terms are not confirmed, the cost of issuance and maintenance is not specified in the section.
Visa Infinite available to non-residents
| Issuing | 100 000 UZS100 000 UZS for residents; 300 000 UZS for non-residentsnon-residents: 300 000 UZScl. 1.16.1 of the General Tariff |
|---|---|
| Maintenance | 4 USD/mo.4 USD per monthGeneral Tariff: subscription fee |
| Reissue | 100 000 UZS100 000 UZS; non-residents 300 000 UZS (upon expiry, loss or damage)non-residents: 300 000 UZSGeneral tariff; the card page gives the same amount for loss or damage |
| Withdrawal at own ATMs | freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecard page and General Tariff |
| Withdrawal at other banks’ ATMs | 1% (min. 1 USD)1% of the amount (min. 1 USD) + the other bank's feeitem 1.16.7; the HUMO ATM rate for Infinite is not stated |
| Withdrawal abroad | 1% (min. 1 USD)1% of the amount (min. 1 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: “cashiers or ATMs of other banks” |
| Top-up | freefree: in cash, by transfer within Hamkorbank, from other banks' accounts; via ATMs/cash desks of third-party banks — that bank's feethe card page states a fee of 0,5% (min. 0,5 USD) for transfers from other banks' accounts, the General tariff (clause 1.16.14) — free |
| Transfer to another bank’s card | 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freeGeneral tariff cl. 1.16.9: min. 2 USD |
| SMS notifications | freeconnecting SMS banking and online purchases is free |
| Other | quasi-cash (checks, foreign currency, electronic wallets, trading accounts): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation of a disputed transaction 230 000 UZSGeneral tariff |
| Deposit / minimum balance | 50 USD50 US dollarscard page and General Tariff |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
| Validity | 5 years |
USD only. Additionally per the page: Visa Global Customer Assistance, medical advice, Lounge Key, Visa Luxury Hotel, travel insurance.
Visa Platinum available to non-residents
| Issuing | 50 000 UZS50 000 UZS for residents; 100 000 UZS for non-residentsnon-residents: 100 000 UZScl. 1.15.1 of the General Tariff |
|---|---|
| Maintenance | 1 USD/mo.1 USD per monthGeneral Tariff: subscription fee |
| Reissue | 50 000 UZS50 000 UZS; non-residents 100 000 UZS (upon expiry, loss or damage)non-residents: 100 000 UZSGeneral tariff; the card page gives the same amount for loss or damage |
| Withdrawal at own ATMs | freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecard page and General Tariff |
| Withdrawal at other banks’ ATMs | 1.5% (min. 1 USD)1,5% of the amount (min. 1 USD) + other bank's feecl. 1.15.7 d; HUMO ATMs at Hamkorbank: 1,5% (min. 1 USD) |
| Withdrawal abroad | 1.5% (min. 1 USD)1,5% of the amount (min. 1 USD) + other bank's feethe tariff does not distinguish between Uzbekistan and abroad: “cashiers or ATMs of other banks” |
| Top-up | freefree: in cash, by transfer within Hamkorbank, from other banks' accounts; via ATMs/cash desks of third-party banks — that bank's feethe card page states a fee of 0,5% (min. 0,5 USD) for transfers from other banks' accounts, the General tariff (clause 1.15.14) — free |
| Transfer to another bank’s card | 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freeGeneral tariff cl. 1.15.9: min. 2 USD; card page: min. 1 USD |
| SMS notifications | freeconnecting SMS banking and online purchases is free |
| Other | quasi-cash (checks, foreign currency, electronic wallets, trading accounts): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation of a disputed transaction 230 000 UZSGeneral tariff |
| Deposit / minimum balance | 30 USD30 US dollarscard page and General Tariff |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
| Validity | 5 years |
USD only. Additionally per the page: Visa Global Customer Assistance, medical advice, Lounge Key, Visa Luxury Hotel.
Visa Virtual virtual
| Issuing | freefree (in the Hamkor app, no documents needed)cl. 1.11 a of the General Tariff |
|---|---|
| Maintenance | freefreecard page |
| Top-up | freefree in the Hamkor app (online conversion); for transfers from accounts in other banks 0,5% (min. 0,5 USD) per the page; in the General Tariff - freediscrepancy between the page, clause 1.11 and the General tariff |
| Transfer to another bank’s card | 1% (min. 1 USD)to accounts of other Visa cards: 1% (min. 1 USD); to Hamkorbank Visa and UnionPay cards: freecl. 1.11 g, kh |
| Other | payment for goods and services online free; 3-D Secure service free; quasi-cash: 1% (min. 1 USD)cl. 1.11 d, f, zh |
| Purchase limit | 10 000 USD/daydaily card spending limit of 10 000 US dollarscl. 1.11 e of the General Tariff |
| Deposit / minimum balance | freeminimum balance 0 US dollarscl. 1.11 b; card page |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
| Validity | 2 years |
The tariff on the page states the currency «Dollars, Euro», the heading says USD; we do not record an EUR card as a separate product, since the page heading names only USD. Validity of virtual cards — no more than 2 years.
Visa in EUR
Visa Classic available to non-residents
| Issuing | freefree (including when ordered via the Hamkor Mobile app); free for non-residentsitem 1.8.1 of the General tariff; card page |
|---|---|
| Maintenance | freefreecard page |
| Reissue | freeupon expiry: free; upon loss/damage: 25 000 UZS (on the card page 50 000 UZS)non-residents: 50 000 UZSdiscrepancy: cl. 1.8.2 - 25 000 UZS for residents, page - 50 000 UZS |
| Withdrawal at own ATMs | freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.8.6 a, b |
| Withdrawal at other banks’ ATMs | 2% (min. 2 EUR)2% of the amount (min. 2 USD) + the other bank's feeitem 1.8.6 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD) |
| Withdrawal abroad | 2% (min. 2 EUR)2% of the amount (min. 2 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: «cashiers or ATMs of other banks»; there is no separate line for foreign ATMs |
| Top-up | freefree: cash, transfer within Hamkorbank, transfer from accounts in other banks; via third-party banks' ATMs/cashier desks - that bank's feecl. 1.8.3, 1.8.13 |
| Transfer to another bank’s card | 1% (min. 2 EUR)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.8.8; minimum 1 USD on the card page |
| SMS notifications | freeconnecting SMS banking and online purchases is freecl. 1.8.10 |
| Other | payment for checks, foreign currency, e-wallets, trading accounts (quasi-cash): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM: 0,5 USD; written statement of balances 75 000 UZS; disputed transaction investigation 230 000 UZSclauses 1.8.5, 1.8.7, 1.8.11, 1.8.12 |
| Deposit / minimum balance | free0 EUR (residents); non-residents 10 USD; Visa Exchange PayWave 5 USDnon-residents: 10 USDclause 1.8.4; card page: minimum balance 0 USD |
| Interest on balance | free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards |
| Validity | 5 years |
Website page: card in USD and EUR (one page for both currencies). The tariffs in the document are set in US dollars; there are no separate values for the EUR card. EUR record: amounts in USD (minimum fees) are given as in the tariff.
Frequently asked questions
Can I get a Hamkorbank Visa card for free?
The bank lists free issuing for 5 of 9: Visa Classic (EUR), Visa Classic (USD), Visa Virtual (USD), Visa in UZS (UZS), Visa Classic credit card (UZS). Maintenance and other operations may be paid, check the card fees.
Can I open a Hamkorbank Visa card online?
Yes, the bank lists website or app applications for 5 of 9: Visa Classic (EUR), Visa Classic (USD), Visa Virtual (USD), Visa in UZS (UZS), Visa Classic credit card (UZS).
In which currencies are Hamkorbank Visa cards available?
Card currencies: EUR, USD, UZS. 9 cards in total.