Uzcard vs Humo: comparing cards in Uzbekistan
Uzcard and Humo are national payment systems: cards are issued in sums and used mainly in Uzbekistan. The bank sets the fees, not the system, so comparing terms at your own bank matters more: see the table by bank.
Fees as of 22.10.2026More details
The comparison covers 107 cards of Uzcard and 77 cards of Humo, using fees from the banks’ websites. The median is the middle value: half of the cards have a fee no higher than it. It shows what a card of the system usually costs, not what it costs at your bank.
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.
Who issues the cards
| Uzcard | Humo | |
|---|---|---|
| Banks with cards | 32 | 30 |
| Types of cards | 107 | 77 |
| Banks with free issuing | 14 | 11 |
| Virtual cards | 13 | 19 |
| Cards for non-residents | 12 | 10 |
| Co-branded with an international system | 15 | 14 |
Median fees
| Fee | Uzcard | Humo |
|---|---|---|
| Issuing | 40 000 UZS94 cards · free: 20 | 40 000 UZS58 cards · free: 13 |
| Maintenance per year | free74 cards | free47 cards |
| Withdrawal at own ATMs | 1%84 cards | 1%54 cards |
| Withdrawal at other banks’ ATMs | 1%23 cards · free: 7 | 1%15 cards · free: 1 |
| Transfer to another bank’s card | 0.5%82 cards · free: 15 | 0.5%60 cards · free: 12 |
Terms at the same bank (30 banks)
The lowest issuing and maintenance fees among each system’s cards at the bank; the value links to the card. A dash means some of the bank’s cards have no listed fee, so the minimum is unknown. Number of banks where issuing is cheaper: Uzcard — 9, Humo — 3, equal — 17.
Median across cards available to residents; issuing covers physical cards only; percentages exclude the minimum fee. The number of cards counted is shown under each value. The lower value is highlighted if both systems have at least 10 cards. A difference in medians does not mean a system is cheaper: it includes different banks and card levels.
Visa vs Mastercard: comparison →
Frequently asked questions
Which is better value: Uzcard or Humo?
Medians across UZS cards (Uzcard / Humo): issuing 40 000 UZS / 40 000 UZS; yearly maintenance free / free; transfer to another bank’s card 0.5% / 0.5%. Banks issuing both cards in UZS: 30. Of these, issuing is cheaper: Uzcard — 9, Humo — 3, equal — 17. Check your own bank’s fees.
Which banks issue both Uzcard and Humo?
30 banks issue both cards: Agrobank, Aloqabank, Anorbank, Apex Bank, Asakabank, Asia Alliance Bank, Bank Saderat Tashkent, Business Development Bank, Davr Bank, Garant Bank, Hamkorbank, InFinBank, Ipak Yuli Bank, Ipoteka Bank, Kapitalbank, KDB Bank Uzbekistan, Madad Invest Bank, Microcreditbank, National Bank of Uzbekistan (NBU), Octobank, Open Bank, Orient Finans Bank, Poytaxt Bank, TBC Bank, Tenge Bank, Trustbank, Turonbank, Uzpromstroybank (SQB), Xalq Bank, Ziraat Bank Uzbekistan. Only Uzcard: AVO Bank, Hayot Bank.
Where can I get Uzcard or Humo issued for free?
14 banks issue a physical Uzcard card for free: Agrobank, Asia Alliance Bank, Davr Bank, Garant Bank, Hamkorbank, Ipoteka Bank, Kapitalbank, Madad Invest Bank, National Bank of Uzbekistan (NBU), Orient Finans Bank, TBC Bank, Tenge Bank, Trustbank, Xalq Bank. 11 banks issue a physical Humo card for free: Anorbank, Asia Alliance Bank, Davr Bank, Kapitalbank, Madad Invest Bank, National Bank of Uzbekistan (NBU), Open Bank, Orient Finans Bank, TBC Bank, Trustbank, Xalq Bank.
How do Uzcard and Humo differ from Visa and Mastercard?
Uzcard and Humo are national payment systems: these cards are issued in sums and used mainly in Uzbekistan. Visa and Mastercard are international systems: you can pay with them abroad and in foreign online shops, and banks issue them in sums, dollars and euros.