Microcreditbank cards: fees
Fees as of 22.10.2026More details
Microcreditbank: 23 cards — Uzcard, Humo, Visa, Mastercard.
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.
Uzcard in UZS
UNIONPAY-UZCARD
| Issuing | 40 000 UZSsalary, pension, social payments, scholarships and deposit opening - free (cl. 3.1.1.2) |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 40 000 UZSper the card page; cl. 3.1.1 k issuance of 'UZCARD (Uzcard-Union Pay)' - 40 000 UZS |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.5%to an Uzcard card of another bank of Uzbekistan: 0,5%; Uzcard -> Humo of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freeclauses 3.1.6.2, 3.1.6.4, 3.1.6.5 (transfer in the Mavrid app). Monthly free limits apply to Mavrid statuses (Hamkor/Silver/Gold, clause 10) (Hamkor: free up to 5 mln UZS to Uzcard of other banks); the website page states 'free P2P up to 5 mln UZS' (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 3 years |
Co-branded Uzcard + UnionPay (currencies per the page: UZS and Chinese yuan; the yuan part is not counted in the fee). Validity 3 years. Instant conversion of UZS funds when paying in foreign currency.
UZCARD Duo
| Issuing | 40 000 UZSsalary, pension, social payments, scholarships and deposit opening - free (cl. 3.1.1.2) |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 40 000 UZSreplacement in case of loss, damage, or expiry; cl. 3.1.2 b |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.5%to an Uzcard card of another bank of Uzbekistan: 0,5%; Uzcard -> Humo of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freeclauses 3.1.6.2, 3.1.6.4, 3.1.6.5 (transfer in the Mavrid app). Monthly free limits apply to Mavrid statuses (Hamkor/Silver/Gold, clause 10) (Hamkor: free up to 5 mln UZS to Uzcard of other banks); the website page states 'free P2P up to 5 mln UZS' (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 5 years |
The /list/uzcard/ page is called 'UZCARD Duo' in the site menu. Security deposit on the page: '-'.
UZCARD Kids
| Issuing | 25 000 UZS25 000 UZS; currently free (promotion until 01.11.2026)promotion “FREE (until 01.11.2026)” on the card page; regular price 25 000 UZS (cl. 3.1.1.1 g) |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 25 000 UZSin the header of the card page 'card replacement 20 000 UZS', in the tariffs section and the text - 25 000 UZS; in the PDF (cl. 3.1.2) Kids replacement is not singled out separately |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.5%to an Uzcard card of another bank of Uzbekistan: 0,5%; Uzcard -> Humo of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freeclauses 3.1.6.2, 3.1.6.4, 3.1.6.5 (transfer in the Mavrid app). Monthly free limits apply to Mavrid statuses (Hamkor/Silver/Gold, clause 10) (Hamkor: free up to 5 mln UZS to Uzcard of other banks); the website page states 'free P2P up to 5 mln UZS' (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 5 years |
Children card for schoolchildren; the monthly limit is set by a parent (amounts not stated), top-up via Mavrid, discounts on public transport. The pages /uzcard-kids/ and /uzcard-kidsr/ are identical.
UZCARD Moment
| Issuing | 40 000 UZSsalary, pension, social payments, scholarships and deposit opening - free (cl. 3.1.1.2); for state programs and commercial loans - 40 000 UZS (cl. 3.1.1.3) |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 40 000 UZSissuance/replacement in place of a lost, damaged or expired one |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.5%to an Uzcard card of another bank of Uzbekistan: 0,5%; Uzcard -> Humo of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freeclauses 3.1.6.2, 3.1.6.4, 3.1.6.5 (transfer in the Mavrid app). Monthly free limits apply to Mavrid statuses (Hamkor/Silver/Gold, clause 10) (Hamkor: free up to 5 mln UZS to Uzcard of other banks); the website page states 'free P2P up to 5 mln UZS' (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 5 years |
Pre-issued card: activation in 5 minutes in the app or at the office without an application; urgent delivery on request (cost not specified); decreasing bonuses for public transport fares (1st bus ride 1 700, 2nd 700 UZS, 3rd-4th free).
UZCARD Sherdor
| Issuing | 100 000 UZSblack plastic, premium logo; cl. 3.1.1 i |
|---|---|
| Maintenance | 66 000 UZS/mo.subscription fee: 15% of BCV per month (on the page: annual subscription fee 792 000 UZS, i.e. 66 000 UZS per month)cl. 3.1.4: 15% of BCV, the amount is set by JSC «Unified Republican Processing Center» (Uzcard); BCV converted = 440 000 UZS (792 000 / 12 / 0,15) |
| Reissue | 100 000 UZSissuance/replacement of a lost, damaged or expired card (card page) |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.5%to an Uzcard card of another bank of Uzbekistan: 0,5%; Uzcard -> Humo of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freeclauses 3.1.6.2, 3.1.6.4, 3.1.6.5 (transfer in the Mavrid app). Monthly free limits apply to Mavrid statuses (Hamkor/Silver/Gold, clause 10) (Hamkor: free up to 5 mln UZS to Uzcard of other banks); the website page states 'free P2P up to 5 mln UZS' (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | privileges: up to 4 free visits per year to the CIP Lounge at Tashkent airport, priority and discounts at partners (up to 20%)the list of privileges is updated regularly (per the card page) |
| Validity | 5 years |
Uzcard premium card; the page states the subscription fee both as 15% of BCV per month and as 792 000 UZS per year.
'Milliy' credit card residents only
| Issuing | 40 000 UZScard opening (cl. 12.1) |
|---|---|
| Maintenance | based on the tariff (no subscription fee is stated in the tariffs)card page: 'Maintenance: based on the tariff'; section 12 of the tariffs has no maintenance fee |
| Reissue | 40 000 UZScl. 12.2 |
| Withdrawal at own ATMs | 1.5%ATM: 1,5% of the amountcl. 12.5; credit funds |
| Top-up | freecard top-up: freecl. 12.4 |
| Transfer to another bank’s card | 1%transfer of credit funds to other cards, accounts, e-wallets: 1%cl. 12.6 |
| Conversion | 2%currency exchange and conversion, purchase of foreign currency: 2%cl. 12.8 |
| Other | 2%cashier desks of financial institutions, physical terminals, pawnshops, money transfers, securities, deposit top-ups, loan repayments, payments by details: 2%cl. 12.7-12.16 |
| Other limits | credit limit: from 1 to 100 mln UZS; without a credit history - up to 40 mln UZSrevolving credit line, the limit decreases in equal portions over at least 48 months; grace period up to 55 days (does not apply to cash withdrawal) |
| Validity | 10 years |
Uzcard credit card for citizens of the Republic of Uzbekistan (aged 21-60, official income for at least 6 months). Rate on non-cash transactions 29% per annum (on overdue debt - 1,5 times higher); minimum payment 10% of the principal balance + interest; security - guarantee by individuals; review within 3 business days.
Humo in UZS
HUMO
| Issuing | 40 000 UZSsalary, pension, social payments, scholarships and deposit opening - free (cl. 3.1.1.2) |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 40 000 UZSreplacement in case of loss, damage, or expiry; cl. 3.1.2 a |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.3%Humo -> Humo of another bank in Uzbekistan: 0,3%; Humo -> Uzcard of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freecl. 3.1.6.2-3.1.6.4. Mavrid Hamkor status: Humo -> Humo of other banks 0,1% (up to 10 mln UZS per month free); Silver/Gold: free; the website page states “free P2P up to 5 mln UZS” (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 5 years |
Card in UZS (NFC; personal, family, salary, pension versions). Insurance deposit on the page: '-'.
HUMO-MASTERCARD
| Issuing | 40 000 UZSco-badging; cl. 3.1.1 d |
|---|---|
| Maintenance | free0 UZS (maintenance is free)on the card page: maintenance fee 0 UZS; in the tariffs (cl. 3.1) there is no subscription fee |
| Reissue | 40 000 UZSreplacement upon loss, damage or expiry |
| Withdrawal at own ATMs | 1%ATM: 1%; cash desk: 1%cl. 3.1.6.1 (a, b); on the card page - 'via bank cash desks and ATMs: 1% of the amount' |
| Top-up | freevia MKBank ATM to MKBank cards: free; to cards of other banks: 1%; salary and equivalent payments: free; crediting via the bank's transit account (card-to-card): 1%cl. 3.1.5, 3.1.6.6 |
| Transfer to another bank’s card | 0.3%Humo -> Humo of another bank in Uzbekistan: 0,3%; Humo -> Uzcard of another bank: 0,5%; between own MKBank (Mavrid) cards: 0,3%, up to 25 mln UZS per month freecl. 3.1.6.2-3.1.6.4. Mavrid Hamkor status: Humo -> Humo of other banks 0,1% (up to 10 mln UZS per month free); Silver/Gold: free; the website page states “free P2P up to 5 mln UZS” (from 01.06.2025) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 3 years |
Co-badge card Humo + Mastercard; term 3 years; currencies per the page: UZS and US dollar (the dollar part - like the Mastercard card, see the separate entry).
Visa in UZS
VISA CLASSIC available to non-residents
| Issuing | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 9.1 f: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 9.11-9.14; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | freeInsurance deposit not requiredcl. 9.1 b: free; card page: 0 USD |
| Validity | 5 years |
Classic Visa card in UZS and US dollars (currency is selectable). Replacing Visa Classic with a new type of Visa card — free (clause 9.1 e).
VISA GOLD available to non-residents
| Issuing | 50 000 UZS50 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 9.2 e: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 50 000 UZS50 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 9.11-9.14; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | freeInsurance deposit not requiredcl. 9.2 b: free; card page: 0 USD |
| Validity | 5 years |
Gold (Premium): the card page lists discounts and bonuses without details.
VISA INFINITE available to non-residents
| Issuing | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | 4 USD/mo.subscription fee 4 USD per monthcl. 9.4 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSthe card page header states 150 000 UZS, the tariffs section and the PDF (cl. 9.4 b) - 200 000 UZS (200 000 taken) |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 9.11-9.14; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | 20 USDinsurance deposit 20 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Validity | 5 years |
Privileges: concierge, comprehensive travel insurance, 6 free CIP/Lounge visits per year, 6 baggage wraps and 6 transfers per year, unlimited Fast Track, SpeedPass.
VISA PLATINUM available to non-residents
| Issuing | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | 1 USD/mo.subscription fee 1 USD per monthcl. 9.3 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 100 000 UZS100 000 UZS; not specified separately for non-residentsper the tariffs 100 000 UZS for loss of the card/PIN envelope and upon expiry; no separate price specified for non-residents |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 9.11-9.14; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | 5 USDinsurance deposit 5 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Validity | 5 years |
Privileges: 2 free visits to Lounge Key per year, Fast Track (2 times per year), free baggage wrapping at Tashkent airport (2 times per year), insurance for 1 year upon issuance, SpeedPass.
Visa in USD
VISA CLASSIC available to non-residents
| Issuing | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 9.1 f: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 9.11-9.14 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | freeInsurance deposit not requiredcl. 9.1 b: free; card page: 0 USD |
| Validity | 5 years |
Classic Visa card in UZS and US dollars (currency is selectable). Replacing Visa Classic with a new type of Visa card — free (clause 9.1 e).
VISA GOLD available to non-residents
| Issuing | 50 000 UZS50 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 9.2 e: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 50 000 UZS50 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 9.11-9.14 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | freeInsurance deposit not requiredcl. 9.2 b: free; card page: 0 USD |
| Validity | 5 years |
Gold (Premium): the card page lists discounts and bonuses without details.
VISA INFINITE available to non-residents
| Issuing | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | 4 USD/mo.subscription fee 4 USD per monthcl. 9.4 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSthe card page header states 150 000 UZS, the tariffs section and the PDF (cl. 9.4 b) - 200 000 UZS (200 000 taken) |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 9.11-9.14 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | 20 USDinsurance deposit 20 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Validity | 5 years |
Privileges: concierge, comprehensive travel insurance, 6 free CIP/Lounge visits per year, 6 baggage wraps and 6 transfers per year, unlimited Fast Track, SpeedPass.
VISA PLATINUM available to non-residents
| Issuing | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSItem 9: card issuance |
|---|---|
| Maintenance | 1 USD/mo.subscription fee 1 USD per monthcl. 9.3 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 100 000 UZS100 000 UZS; not specified separately for non-residentsper the tariffs 100 000 UZS for loss of the card/PIN envelope and upon expiry; no separate price specified for non-residents |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 9.11-9.14 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 9.11-9.14 |
| Transfer to another bank’s card | 1%to Visa cards of other banks of Uzbekistan (Visa Direct): 1%; to cards of foreign banks: 1%; between Visa MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 9.16 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; international stop list: 270 000 UZS (1 message per 4 weeks); transaction dispute (chargeback): 200 000 UZScl. 9.8, 9.9, 9.15 |
| Deposit / minimum balance | 5 USDinsurance deposit 5 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Validity | 5 years |
Privileges: 2 free visits to Lounge Key per year, Fast Track (2 times per year), free baggage wrapping at Tashkent airport (2 times per year), insurance for 1 year upon issuance, SpeedPass.
Mastercard in UZS
Mastercard Standard available to non-residents
| Issuing | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 8.1 e: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 8.9-8.12; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | freeInsurance deposit not requiredclause 8.1 b: 'Mavjud emas' (none); card page: 0 USD |
| Validity | 5 years |
The product is marked ‘Temporarily unavailable’ on the page (applications suspended).
Mastercard World Black Edition available to non-residents
World Black Edition privileges →
| Issuing | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | 1 USD/mo.subscription fee 1 USD per monthcl. 8.2 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 8.9-8.12; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | 5 USDinsurance deposit 5 USDThe insurance deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends. Discrepancy: in the PDF tariffs (clause 8.2 d) 5 USD, on the card page 10 USD (taken from the PDF as the more recent document). |
| Validity | 5 years |
Privileges: Lounge Key (10 visits per year), Fast Track (10 passes per year), traveler insurance up to 1,5 mln USD, 15% discounts at restaurants and flower shops in Tashkent, 1 GB of roaming.
Mastercard World Elite available to non-residents
| Issuing | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | 4 USD/mo.subscription fee 4 USD per monthcl. 8.3 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at other banks’ ATMs | 1%at ATMs and cash desks of Uzbek banks via local payment systems (in UZS): 1% (an additional fee from the servicing bank is possible)clauses 8.9-8.12; applies to national currency withdrawal |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | 20 USDinsurance deposit 20 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Cashback | Mastercard 'Cashback without discounts' programme: up to 20% cashback abroad (10% on average) at 330+ brandsa payment system promotion on Mastercard premium cards, not the bank's base cashback; terms and dates at mastercard.uz |
| Validity | 5 years |
Privileges: Lounge Key, unlimited Fast Track, traveler insurance up to 1,5 mln USD, 3 GB of roaming, discounts of up to 15% at restaurants.
Mastercard in USD
HUMO-MASTERCARD
| Issuing | 40 000 UZSHumo + Mastercard co-badging; cl. 3.1.1 d |
|---|---|
| Maintenance | free0 UZS (maintenance is free)card page: maintenance fee 0 UZS |
| Reissue | 40 000 UZSreplacement upon loss, damage or expiry (card page) |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Validity | 3 years |
The currency (USD) part of the Humo + Mastercard co-branded card. Tariffs for Mastercard-part operations (withdrawal, transfers in USD) are not singled out separately for this product — not filled in; insurance deposit on the page: '-'.
Mastercard Standard available to non-residents
| Issuing | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | freesubscription fee: freecl. 8.1 e: monthly subscription fee - free ('Maintenance' is not specified on the card page) |
| Reissue | 45 000 UZS45 000 UZS; for non-residents - 100 000 UZSnon-residents: 100 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 8.9-8.12 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | freeInsurance deposit not requiredclause 8.1 b: 'Mavjud emas' (none); card page: 0 USD |
| Validity | 5 years |
The product is marked ‘Temporarily unavailable’ on the page (applications suspended).
Mastercard World Black Edition available to non-residents
World Black Edition privileges →
| Issuing | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | 1 USD/mo.subscription fee 1 USD per monthcl. 8.2 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 150 000 UZS150 000 UZS; for non-residents - 300 000 UZSnon-residents: 300 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 8.9-8.12 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | 5 USDinsurance deposit 5 USDThe insurance deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends. Discrepancy: in the PDF tariffs (clause 8.2 d) 5 USD, on the card page 10 USD (taken from the PDF as the more recent document). |
| Validity | 5 years |
Privileges: Lounge Key (10 visits per year), Fast Track (10 passes per year), traveler insurance up to 1,5 mln USD, 15% discounts at restaurants and flower shops in Tashkent, 1 GB of roaming.
Mastercard World Elite available to non-residents
| Issuing | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSItem 8: card issuance |
|---|---|
| Maintenance | 4 USD/mo.subscription fee 4 USD per monthcl. 8.3 e. The PDF uses the wording 'oylik/yillik abonent to‘lovi' (per month/per year), on the card page - monthly fee |
| Reissue | 200 000 UZS200 000 UZS; for non-residents - 400 000 UZSnon-residents: 400 000 UZSupon loss of the card/PIN envelope and upon expiry |
| Withdrawal at own ATMs | freeat MKBank terminals with a card issued by MKBank (in US dollars): freecl. 8.9-8.12 |
| Withdrawal abroad | 1.5%at tellers and ATMs of foreign banks (in the local currency): 1,5% (an additional fee from the servicing bank is possible)cl. 8.9-8.12 |
| Transfer to another bank’s card | 1%to Mastercard cards of other banks of Uzbekistan (MoneySend): 1%; to cards of foreign banks: 1%; between Mastercard MKBank cards: free; to cards of local payment systems of Uzbekistan (Uzcard/Humo): 0,5%cl. 8.14 |
| SMS notifications | freeSMS notification (SMS-xabarnoma): freeclauses 6.3-6.4 of the tariffs (connection and monthly fee free); 3D Secure/SMS for Visa/Mastercard cards free (clauses 8.5, 9.6) |
| Other | payment for goods and services online and abroad: 0,5%, in Uzbekistan: free; transaction dispute (chargeback): 200 000 UZScl. 8.7, 8.13 |
| Deposit / minimum balance | 20 USDinsurance deposit 20 USDThe security deposit is returned 15 calendar days after the application to close the card account or 15 days after the card validity period ends |
| Cashback | Mastercard 'Cashback without discounts' programme: up to 20% cashback abroad (10% on average) at 330+ brandsa payment system promotion on Mastercard premium cards, not the bank's base cashback; terms and dates at mastercard.uz |
| Validity | 5 years |
Privileges: Lounge Key, unlimited Fast Track, traveler insurance up to 1,5 mln USD, 3 GB of roaming, discounts of up to 15% at restaurants.