Xalq Bank Visa cards
Fees as of 22.10.2026More details
All Xalq Bank Visa cards on one page: 6 cards, currencies: UZS, USD. 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 Baraka (social card)
| Issuing | freefree per the register of the National Agency for Social Protection; at the client’s request: 40 000 UZS; for teachers: 20 000 UZStariff section 5 cl. 4.3-4.5. Social card for recipients on the register |
|---|---|
| Maintenance | freefreetariff section 5, cl. 4.14 |
| Reissue | freeupon expiry: free; damage, loss, etc.: 40 000 UZS (teachers: 20 000 UZS)tariff section 5, cl. 4.6-4.8 |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (general clause for Visa cards); cash desk: withdrawal processing is freetariff section 6 cl. 1.3; section 5 cl. 4.9 |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 4.10; does not include the owner bank's fee |
| Withdrawal abroad | 1%ATMs and cash desks abroad: 1%, minimum 1 USD (at the Xalq banki rate)tariff section 5 cl. 4.11; the minimum is set in dollars, so it is not extracted into min |
| Top-up | freecard top-up: freetariff section 5, cl. 4.25 |
| Transfer to another bank’s card | 1%all transfers involving a Baraka card: 1%tariff section 6, cl. 2.1.11 |
| Conversion | operations abroad at the Xalq banki ratetariff section 5, cl. 4.26 |
| SMS notifications | freeSMS notifications and 3DS: freetariff section 5, cl. 4.16 |
| Other | payments at terminals and e-com in Uzbekistan: free; balance and statement inquiry at an ATM, blocking, early closure: freeTariff section 5 item 4 |
| Deposit / minimum balance | freeno minimum deposit or initial contributiontariff section 5, cl. 4.12, 4.13 |
Social card in UZS for recipients on the register of the National Agency for Social Protection. No separate page was found on xb.uz.
Visa Infinite available to non-residents
| Issuing | 200 000 UZS200 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5, cl. 3.3, 3.4 |
|---|---|
| Maintenance | 100 000 UZS/mo.free if the monthly card turnover is at least 10 mln UZS; otherwise 7$ or 100 000 UZS per monthtariff section 5 cl. 3.13; amount contains the fee if the turnover condition is not met |
| Reissue | freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 3.5, 3.6 |
| Delivery | freefree (when ordered via Xazna)tariff section 5, cl. 3.7 |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 3.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 3.9; excludes the ATM owner bank's fee |
| Withdrawal abroad | freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 3.10 |
| Top-up | freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card») |
| Transfer to another bank’s card | 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency |
| Conversion | payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 3.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3 |
| Other | quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 3 |
| Deposit / minimum balance | 2 500 000 UZS180 USD or 2 500 000 UZStariff section 5 cl. 3.11: “180$, 2 500 000 so'm”; for a USD card the value in dollars is taken, for a card in sums - the value in sums; no initial contribution (cl. 3.12) |
No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.
Visa Platinum available to non-residents
| Issuing | 100 000 UZS100 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5, cl. 2.3, 2.4 |
|---|---|
| Maintenance | 60 000 UZS/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 2.13; amount contains the fee if the turnover condition is not met |
| Reissue | freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 2.5, 2.6 |
| Delivery | freefree (when ordered via Xazna)tariff section 5, cl. 2.7 |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 2.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 2.9; excludes the ATM owner bank's fee |
| Withdrawal abroad | freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 2.10 |
| Top-up | freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card») |
| Transfer to another bank’s card | 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency |
| Conversion | payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 2.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3 |
| Other | quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 2 |
| Deposit / minimum balance | 500 000 UZS40 USD or 500 000 UZStariff section 5 cl. 2.11: «40$, 500 000 so'm»; for a USD card the value in dollars is used, for a UZS card - in UZS; no down payment (cl. 2.12) |
No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.
Visa in USD
Visa Classic available to non-residents
| Issuing | freeresidents and payroll project: free; non-residents: 120 000 UZSnon-residents: 120 000 UZStariff section 5 cl. 1.3-1.5. The card page (2023 material) states 20 000 UZS for issuance and reissue; in the tariff (August 2026) free for residents |
|---|---|
| Maintenance | freefreetariff section 5, cl. 1.13 |
| Reissue | freeupon expiry: free; damage, loss, etc.: 40 000 UZStariff section 5 items 1.6, 1.7; card page: 20 000 UZS |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (general clause for Visa cards); Xalq banki cash desk: withdrawal processing is free; cash desk for a card in currency: freetariff section 6 cl. 1.3; section 5 cl. 1.8; section 1 cl. 2.6. The tariff clauses are not fully consistent |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 1.9; does not include the fee of the owner bank |
| Withdrawal abroad | 1%ATMs and cash desks abroad: 1% (at the Xalq banki rate)tariff section 5, cl. 1.10 |
| Top-up | freecash at the Xalq banki cash desk: free; top-up by converting soums to dollars: at the bank's ratetariff section 1 cl. 2.2; card page: top-up with cash in US dollars or by converting soums |
| Conversion | card in USD; top-up by converting UZS to dollars at the bank's rate; transactions in other currencies at the Xalq banki ratetariff section 5 cl. 1.26; card page (Visa Classic Exchange) |
| Other | quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement request at an ATM: 4 000 UZS; card-to-card transfer is unavailable according to the pagetariff section 5 cl. 1; card page |
| Deposit / minimum balance | freeno minimum deposit or initial contributiontariff section 5 clauses 1.11, 1.12: «Mavjud emas». The card page states an insurance deposit of 10 USD — a discrepancy, the 2026 tariff takes priority |
| Validity | 3 years |
Card account in USD. The pages «Visa classic kartasi» and «Visa Classic Exchange kartasi» match in terms: validity 3 years, top-up in cash in dollars or by converting soums; the pages differ from the 2026 tariff in the issuance fee (20 000 UZS) and the deposit (10 USD).
Visa Infinite available to non-residents
| Issuing | 200 000 UZS200 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5, cl. 3.3, 3.4 |
|---|---|
| Maintenance | 7 USD/mo.free if the monthly card turnover is at least 10 mln UZS; otherwise 7$ or 100 000 UZS per monthtariff section 5 cl. 3.13; amount contains the fee if the turnover condition is not met |
| Reissue | freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 3.5, 3.6 |
| Delivery | freefree (when ordered via Xazna)tariff section 5, cl. 3.7 |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 3.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 3.9; excludes the ATM owner bank's fee |
| Withdrawal abroad | freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 3.10 |
| Top-up | freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card») |
| Conversion | payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 3.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3 |
| Other | quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 3 |
| Deposit / minimum balance | 180 USD180 USD or 2 500 000 UZStariff section 5 cl. 3.11: “180$, 2 500 000 so'm”; for a USD card the value in dollars is taken, for a card in sums - the value in sums; no initial contribution (cl. 3.12) |
No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.
Visa Platinum available to non-residents
| Issuing | 100 000 UZS100 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5, cl. 2.3, 2.4 |
|---|---|
| Maintenance | 5 USD/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 2.13; amount contains the fee if the turnover condition is not met |
| Reissue | freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 2.5, 2.6 |
| Delivery | freefree (when ordered via Xazna)tariff section 5, cl. 2.7 |
| Withdrawal at own ATMs | 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 2.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free |
| Withdrawal at other banks’ ATMs | freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 2.9; excludes the ATM owner bank's fee |
| Withdrawal abroad | freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 2.10 |
| Top-up | freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card») |
| Conversion | payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 2.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3 |
| Other | quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 2 |
| Deposit / minimum balance | 40 USD40 USD or 500 000 UZStariff section 5 cl. 2.11: «40$, 500 000 so'm»; for a USD card the value in dollars is used, for a UZS card - in UZS; no down payment (cl. 2.12) |
No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.
Frequently asked questions
Can I get a Xalq Bank Visa card for free?
The bank lists free issuing for 2 of 6: Visa Classic (USD), Visa Baraka (social card) (UZS). Maintenance and other operations may be paid, check the card fees.
Can I open a Xalq Bank Visa card online?
Yes, the bank lists website or app applications for 6 of 6: Visa Classic (USD), Visa Infinite (USD), Visa Platinum (USD), Visa Baraka (social card) (UZS), Visa Infinite (UZS), Visa Platinum (UZS).
In which currencies are Xalq Bank Visa cards available?
Card currencies: USD, UZS. 6 cards in total.