TBC Bank cards: fees
Fees as of 22.10.2026More details
TBC Bank: 9 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
TBC Salom Uzcard
| Issuing | freefree (the card is included in the package as an additional card to TBC Salom Visa)in the Humo/Uzcard package tariff — an additional card of choice for the main TBC Salom Visa; issuance and delivery are free (cl. 7.1); an additional card beyond it — not available (cl. 7.3) |
|---|---|
| Maintenance | freefreetariff cl. 7.2 |
| Reissue | freeupon expiry or at the bank's initiative: free; at the client's initiative (before expiry): 30 000 UZScl. 7.2.1, 7.2.2 |
| Delivery | freefreeby courier to your home or to a TBC point; issuance and delivery up to 3 days |
| Withdrawal at own ATMs | freefree at ATMs of any bank up to 10 mln UZS per month per card; above that — at the ATM tariffthe ATM fee of another bank is debited at the time of the transaction and returned as bonuses to the card (1 bonus = 1 UZS) in the following month; TBC's own ATM — no separate fee is stated in the tariff. From 01.11.2026 a new edition of the tariff applies (PDF): bonus on balance 6% per year instead of 12%, free withdrawal (ATM fee refund) up to 5 mln UZS per month instead of 10 mln; from 02.11.2026 cashback only for participants of the Novvot program. |
| Withdrawal at other banks’ ATMs | freefree up to 10 mln UZS per month for each card (the ATM fee is returned as bonuses); above that — at the ATM tariffcl. 4.1, 4.2 of the tariff from 05.10.2026; from 01.11.2026 the threshold is 5 mln UZS per month |
| Top-up | freefrom cards of any banks in the TBC UZ app: free (up to 25 mln UZS on the tariffs page); cash at other banks' ATMs and UzPost branches: free (the fee is returned as bonuses); at payment terminals: per the terminal's tariffcl. 3 of the tariff; on the tariffs page: “free up to 25 mln UZS” when topping up from cards of any bank |
| Transfer to another bank’s card | freeto TBC cards by card number/phone: free; to cards of other banks in the TBC UZ app: free up to 25 mln UZS per month, above that — 0.5%; in other apps — per the app's tariffTariff clause 5; the 25 mln limit is shared across all of the customer's Salom cards and is renewed on the 1st; for the TBC Plus subscription — per the subscription terms |
| Conversion | freethe bank charges no conversion fee; recalculation at the payment system ratein the tariff: for purchases abroad or in foreign currency, conversion into UZS at the payment system rate; on the card page: "the bank charges no fee for any card operations" |
| Other | public transport trips via the ATTO system — at the transfer fare; arbitration — at the payment system tariffTariff items 6.1, 7.4 |
| Interest on balance | 12%/year12% per annum on balance from 100 000 UZS at the start of the operating day (option is switched on/off in the app; when off 0%)valid under the tariff from 05.10.2026; interest for the month is paid at the end of the month (Visa) or in the middle of the next (Humo); from 01.11.2026 under the new edition of the tariff — 6% per year |
| Cashback | freeno base cashback; up to 20% (5% on the card page) at partners and under loyalty programme promotionsbonuses: 1 bonus = 1 UZS, cashback within the limits of the tariff and loyalty program; under the program terms, from 02.11.2026 cashback is provided only to those who have joined Novvot (Novvot points), otherwise it is not accrued; not accrued for transfers, payments, credit and quasi-cash MCC |
Additional card of choice (Humo or Uzcard) for the main TBC Salom Visa; data from the package tariff effective from 05.10.2026. ATTO fare payment at the transfer rate. The Uzcard card is not described separately on the TBC Salom page; it appears only in the package tariff.
TBC UZCARD-UnionPay
| Issuing | 50 000 UZS50 000 UZS (issuance and delivery)typo “50 00 UZS” in the PDF tariff; the card page says 50 000 UZS |
|---|---|
| Maintenance | freefree |
| Reissue | freeupon expiry or at the bank’s initiative: free; at the client’s initiative: 50 000 UZStariff cl. 4.3 |
| Delivery | freeincluded in the issuance fee (home delivery across Uzbekistan)issuance and delivery — 50 000 UZS as a single service |
| Withdrawal at own ATMs | Per ATM tarifftariff cl. 2.1: within and outside Uzbekistan — at the ATM tariff |
| Withdrawal at other banks’ ATMs | Per ATM tariff |
| Withdrawal abroad | per the ATM tariff (UnionPay works abroad, soums are converted to the local currency automatically)TBC charges no fee for using the card; ATMs and services may charge one |
| Top-up | from another bank's card in the TBC UZ app: free; cash at other banks' ATMs — at the ATM tariff; at payment terminals — at the terminal tarifftariff cl. 1 |
| Transfer to another bank’s card | 1.99%to TBC cards: free; to another bank by card number: 1,99%; in other apps — per the app's tarifftariff cl. 3 |
| Conversion | abroad, UZS is automatically converted into the local currency at the current rate; no bank fee is charged |
| Other | payment of ATTO fares at the transfer ratetariff cl. 5.1 |
Co-badge card Uzcard (within Uzbekistan) + UnionPay (abroad), currency UZS, physical. Recorded as uzcard; the UnionPay payment system is not in the product list.
TBC Virtual Uzcard virtual
| Issuing | issuance discontinuedin the Uzcard Virtual tariffs card issuance is «Discontinued» |
|---|---|
| Maintenance | freefree |
| Reissue | freefree |
| Top-up | freetop-up fee 0%; in cash — through branches of any bank via a transit account or through Paynet terminals and points (operator fee)card page: top-up fee 0%; cash top-up via Paynet terminals — at the terminal's tariff |
| Transfer to another bank’s card | 1.99%to TBC cards: free; to own Uzcard/Humo cards at other banks: free; to cards of other banks: 1,99%in the TBC UZ app; virtual card tariffs |
| Other | blocking/unblocking in the app, online payments — free; cash cannot be withdrawn at ATMs (virtual card)offline payment is possible after adding the card to payme (payme go, QR) |
| Other limits | card-to-card transfers with no limit on the amount; cash withdrawal is not possibleTBC Virtual page |
Issuance of new Uzcard Virtual is marked «Discontinued» in the tariffs; other terms are the same as for Humo Virtual. Virtual card without plastic.
Humo in UZS
TBC Osmon Humo (credit)
| Issuing | freefreecard issuance and delivery are free |
|---|---|
| Maintenance | freefree |
| Reissue | freefor a new term or at the bank's initiative: free; at the client's initiative: 50 000 UZScl. 2.3 of the tariff, effective 14.09.2026 |
| Delivery | freefreedelivery within 3 days in 14 cities (Tashkent and others) to home or to a TBC point |
| Withdrawal at own ATMs | 3% (min. 90 000 UZS)card fee 3%, but not less than 90 000 UZS; the ATM fee is charged separately; the interest-free period does not apply to withdrawals (interest at the cash withdrawal rate)tariff cl. 4 |
| Withdrawal at other banks’ ATMs | 3% (min. 90 000 UZS)card fee 3%, but not less than 90 000 UZS; plus the fee of the ATM-owning banktariff cl. 4 |
| Top-up | freein the TBC UZ app from other cards: free; by other methods and via partners (ATMs, Paynet): partner/ATM feecl. 8 of the Mastercard tariff / cl. 7 of the Humo tariff |
| Transfer to another bank’s card | 3.9%3,9% of the transaction amount (transfer to other cards by card number or phone); the interest-free period does not apply to transfersThe Humo Osmon tariff page states 3%, while the PDF tariff and the Mastercard page state 3,9%; the fee may be charged by other banks' apps |
| Other | interest rate on purchases outside the interest-free period and on cash withdrawal - from 29% to 50% per year (individual, based on scoring, stated in the contract); interest-free period of up to 55 days (0%); minimum payment of no more than 8% of the principal debt + interest; late payment: 10% of the overdue debt for the first day, then 0,4% per day; total cost of credit up to 50%credit card; see the tariff for lending terms |
| Other limits | credit limit up to 50 mln UZS (determined by scoring)up to 55 days interest-free on purchases |
| Validity | 5 years |
Humo credit card; validity of 5 years per the tariff; the tariff is effective from 14.09.2026. Home delivery — in Tashkent and a number of cities, in other regions — to a TBC point; passport or ID card required. Application terms (citizenship) are not separately stated on the Humo card page, by analogy with Osmon Mastercard.
TBC Salom Humo
| Issuing | freefree (the card is included in the package as an additional card to TBC Salom Visa)in the Humo/Uzcard package tariff — an additional card of choice for the main TBC Salom Visa; issuance and delivery are free (cl. 7.1); an additional card beyond it — not available (cl. 7.3) |
|---|---|
| Maintenance | freefreetariff cl. 7.2 |
| Reissue | freeupon expiry or at the bank's initiative: free; at the client's initiative (before expiry): 30 000 UZScl. 7.2.1, 7.2.2 |
| Delivery | freefreeby courier to your home or to a TBC point; issuance and delivery up to 3 days |
| Withdrawal at own ATMs | freefree at ATMs of any bank up to 10 mln UZS per month per card; above that — at the ATM tariffthe ATM fee of another bank is debited at the time of the transaction and returned as bonuses to the card (1 bonus = 1 UZS) in the following month; TBC's own ATM — no separate fee is stated in the tariff. From 01.11.2026 a new edition of the tariff applies (PDF): bonus on balance 6% per year instead of 12%, free withdrawal (ATM fee refund) up to 5 mln UZS per month instead of 10 mln; from 02.11.2026 cashback only for participants of the Novvot program. |
| Withdrawal at other banks’ ATMs | freefree up to 10 mln UZS per month for each card (the ATM fee is returned as bonuses); above that — at the ATM tariffcl. 4.1, 4.2 of the tariff from 05.10.2026; from 01.11.2026 the threshold is 5 mln UZS per month |
| Top-up | freefrom cards of any banks in the TBC UZ app: free (up to 25 mln UZS on the tariffs page); cash at other banks' ATMs and UzPost branches: free (the fee is returned as bonuses); at payment terminals: per the terminal's tariffcl. 3 of the tariff; on the tariffs page: “free up to 25 mln UZS” when topping up from cards of any bank |
| Transfer to another bank’s card | freeto TBC cards by card number/phone: free; to cards of other banks in the TBC UZ app: free up to 25 mln UZS per month, above that — 0.5%; in other apps — per the app's tariffTariff clause 5; the 25 mln limit is shared across all of the customer's Salom cards and is renewed on the 1st; for the TBC Plus subscription — per the subscription terms |
| Conversion | freethe bank charges no conversion fee; recalculation at the payment system ratein the tariff: for purchases abroad or in foreign currency, conversion into UZS at the payment system rate; on the card page: "the bank charges no fee for any card operations" |
| Other | arbitration of a disputed transaction with the payment system — per the payment system's tariff; ATTO trips at the transfer fare (for Uzcard)Tariff items 7.4, 6.1 |
| Interest on balance | 12%/year12% per annum on balance from 100 000 UZS at the start of the operating day (option is switched on/off in the app; when off 0%)valid under the tariff from 05.10.2026; interest for the month is paid at the end of the month (Visa) or in the middle of the next (Humo); from 01.11.2026 under the new edition of the tariff — 6% per year |
| Cashback | freeno base cashback; up to 20% (5% on the card page) at partners and under loyalty programme promotionsbonuses: 1 bonus = 1 UZS, cashback within the limits of the tariff and loyalty program; under the program terms, from 02.11.2026 cashback is provided only to those who have joined Novvot (Novvot points), otherwise it is not accrued; not accrued for transfers, payments, credit and quasi-cash MCC |
In the new Humo package — an additional card of choice (Humo or Uzcard) to the main TBC Salom Visa; previously issued Salom Humo cards continue to work. Data from the package tariff effective 05.10.2026 (column «TBC Salom Humo / TBC Salom UZCARD»). Humo cashback is paid in the following month.
TBC Virtual Humo virtual
| Issuing | 10 000 UZSHumo Virtual tariffs: card issuance 10 000 UZS; the card page says “Free” — a discrepancy between the page and the tariffs |
|---|---|
| Maintenance | freefree |
| Reissue | freefree |
| Top-up | freetop-up fee 0%; in cash — through branches of any bank via a transit account or through Paynet terminals and points (operator fee)card page: top-up fee 0%; cash top-up via Paynet terminals — at the terminal's tariff |
| Transfer to another bank’s card | 1.99%to TBC cards: free; to own Uzcard/Humo cards at other banks: free; to cards of other banks: 1,99%in the TBC UZ app; virtual card tariffs |
| Other | blocking/unblocking in the app, online payments — free; cash cannot be withdrawn at ATMs (virtual card)offline payment is possible after adding the card to payme (payme go, QR) |
| Other limits | card-to-card transfers with no limit on the amount; cash withdrawal is not possibleTBC Virtual page |
A virtual card without plastic, activation within 15 minutes. The Salom page says there are no bonuses on virtual cards and «a maintenance fee is charged», whereas the TBC Virtual tariffs state maintenance is free.
Visa in UZS
TBC Salom Visa
| Issuing | freefirst (main) card: free; additional card: 30 000 UZSan additional card is issued only for the TBC Salom Visa card, to the main card and its account; tariff cl. 7.1, 7.3; issuance is possible when the service is technically available in the app |
|---|---|
| Maintenance | freefreetariff cl. 7.2 |
| Reissue | freeupon expiry or at the bank's initiative: free; at the client's initiative (before expiry): 30 000 UZScl. 7.2.1, 7.2.2 |
| Delivery | freefreeby courier to your home or to a TBC point; issuance and delivery up to 3 days |
| Withdrawal at own ATMs | freefree at ATMs of any bank up to 10 mln UZS per month per card; above that — at the ATM tariffthe ATM fee of another bank is debited at the time of the transaction and returned as bonuses to the card (1 bonus = 1 UZS) in the following month; TBC's own ATM — no separate fee is stated in the tariff. From 01.11.2026 a new edition of the tariff applies (PDF): bonus on balance 6% per year instead of 12%, free withdrawal (ATM fee refund) up to 5 mln UZS per month instead of 10 mln; from 02.11.2026 cashback only for participants of the Novvot program. |
| Withdrawal at other banks’ ATMs | freefree up to 10 mln UZS per month for each card (the ATM fee is returned as bonuses); above that — at the ATM tariffcl. 4.1, 4.2 of the tariff from 05.10.2026; from 01.11.2026 the threshold is 5 mln UZS per month |
| Withdrawal abroad | freeat any ATMs free up to 10 mln UZS per month (the fee of a third-party ATM is refunded in bonuses); conversion at the payment system ratecl. 4 of the tariff: the condition applies to "any ATMs", abroad — conversion into UZS at the payment system rate; the tariff has no separate line for foreign ATMs |
| Top-up | freefrom cards of any banks in the TBC UZ app: free (up to 25 mln UZS on the tariffs page); cash at other banks' ATMs and UzPost branches: free (the fee is returned as bonuses); at payment terminals: per the terminal's tariffcl. 3 of the tariff; on the tariffs page: “free up to 25 mln UZS” when topping up from cards of any bank |
| Transfer to another bank’s card | freeto TBC cards by card number/phone: free; to cards of other banks in the TBC UZ app: free up to 25 mln UZS per month, above that — 0.5%; in other apps — per the app's tariffTariff clause 5; the 25 mln limit is shared across all of the customer's Salom cards and is renewed on the 1st; for the TBC Plus subscription — per the subscription terms |
| Conversion | freethe bank charges no conversion fee; recalculation at the payment system ratein the tariff: for purchases abroad or in foreign currency, conversion into UZS at the payment system rate; on the card page: "the bank charges no fee for any card operations" |
| Other | arbitration of a disputed transaction with the payment system — per the payment system's tariff; ATTO trips at the transfer fare (for Uzcard)tariff cl. 7.4 |
| Interest on balance | 12%/year12% per annum on balance from 100 000 UZS at the start of the operating day (option is switched on/off in the app; when off 0%)valid under the tariff from 05.10.2026; interest for the month is paid at the end of the month (Visa) or in the middle of the next (Humo); from 01.11.2026 under the new edition of the tariff — 6% per year |
| Cashback | 1%1% for all purchases; up to 20% (5% on the card page) at partners and under loyalty program promotionsbonuses: 1 bonus = 1 UZS, cashback within the limits of the tariff and loyalty program; under the program terms, from 02.11.2026 cashback is provided only to those who have joined Novvot (Novvot points), otherwise it is not accrued; not accrued for transfers, payments, credit and quasi-cash MCC |
Main card of the TBC Salom package, Visa Platinum, currency UZS, online only (TBC UZ app). Tariff effective from 05.10.2026; a new version takes effect on 01.11.2026 (6% bonus on balance, free withdrawal up to 5 mln UZS). The card validity period is not stated on the website. Cashback on Visa is paid at the end of the month.
Visa in USD
TBC Visa Virtual virtual
| Issuing | freefreein the tariffs the «Card issuance» line is «Discontinued»; card page: «Instant application and free issuance» — a discrepancy, as of the snapshot date issuance in the app is shown as free |
|---|---|
| Maintenance | freefree |
| Reissue | freefree |
| Top-up | freecashless top-up 0 USD; top-up only by transfer from UZS cards in the TBC UZ app (cash is not possible)amounts are converted to dollars at the TBC Bank rate at the time of top-up |
| Conversion | top-up: automatic conversion of UZS to USD at the TBC Bank rate; the markup is not stated separately |
| Other | 0.5 USDonline payments: 0.5 USD; automatic 3D-Secure registration and blocking/unblocking — freethe tariffs have the line «Online payments 0.5 USD» with no unit given (probably per transaction); the card page does not mention such a fee |
| Deposit / minimum balance | freeno depositCard page: “No deposit” |
Dollar virtual card for foreign online payments, activation within 15 minutes. Limits are not stated on the website. Visa Virtual TBC in our list is the bank's only foreign-currency card (USD).
Mastercard in UZS
TBC Osmon (World Mastercard, credit)
| Issuing | freefreecard issuance and delivery are free |
|---|---|
| Maintenance | freefree |
| Reissue | freefor a new term or at the bank's initiative: free; at the client's initiative: 50 000 UZScl. 2.3 of the tariff, effective 14.09.2026 |
| Delivery | freefreedelivery within 3 days in 14 cities (Tashkent and others) to home or to a TBC point |
| Withdrawal at own ATMs | 3% (min. 90 000 UZS)card fee 3%, but not less than 90 000 UZS; the ATM fee is charged separately; the interest-free period does not apply to withdrawals (interest at the cash withdrawal rate)tariff cl. 4; quasi-cash operations (transfers, payments under financial services MCC, etc.) — 3% of the amount |
| Withdrawal at other banks’ ATMs | 3% (min. 90 000 UZS)card fee 3%, but not less than 90 000 UZS; plus the fee of the ATM-owning banktariff cl. 4 |
| Withdrawal abroad | 3% (min. 90 000 UZS)card fee 3%, but not less than 90 000 UZS; plus the fee of the ATM-owning bankthe tariff says «any ATMs»; abroad is not singled out separately (Mastercard) |
| Top-up | freein the TBC UZ app from other cards: free; by other methods and via partners (ATMs, Paynet): partner/ATM feecl. 8 of the Mastercard tariff / cl. 7 of the Humo tariff |
| Transfer to another bank’s card | 3.9%3,9% of the transaction amount (transfer to other cards by card number or phone); the interest-free period does not apply to transfersThe Humo Osmon tariff page states 3%, while the PDF tariff and the Mastercard page state 3,9%; the fee may be charged by other banks' apps |
| Other | interest rate on purchases outside the interest-free period and on cash withdrawal - from 29% to 50% per year (individual, based on scoring, stated in the contract); interest-free period of up to 55 days (0%); minimum payment of no more than 8% of the principal debt + interest; late payment: 10% of the overdue debt for the first day, then 0,4% per day; total cost of credit up to 50%credit card; see the tariff for lending terms; transfers, payments to financial organizations, gambling, etc. are treated as cash withdrawal (MCC, appendix No. 1 to the tariff), fee 3% |
| Other limits | credit limit up to 50 mln UZS (determined by scoring)up to 55 days interest-free on purchases (reporting period up to 30 days + payment period 25 days) |
Credit card. Can be obtained by a citizen of Uzbekistan over 18 who has not reached retirement age and has a stable income (via OneID). Privileges: 2 free business lounge passes and 2 Fast Track per year, eSIM with 1 GB. A virtual card is issued first, plastic — on request. Tariff (effective from 14.09.2026 per the list of documents on the site); another PDF «from 23.01.26» — an old edition, not used.