Visa vs Mastercard: comparing cards in Uzbekistan
Visa and Mastercard are international payment systems: you can pay with them abroad and in foreign online shops, and banks issue them in sums, dollars and euros. The bank sets the fees and benefits depend on the card level, so terms are shown below by currency, bank and level.
Fees as of 22.10.2026More details
The comparison covers 202 cards of Visa and 132 cards of Mastercard, 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
| Visa | Mastercard | |
|---|---|---|
| Banks with cards | 30 | 23 |
| Types of cards | 202 | 132 |
| Banks with free issuing | 20 | 11 |
| Virtual cards | 25 | 14 |
| Cards for non-residents | 79 | 60 |
UZS cards: median fees
| Fee | Visa | Mastercard |
|---|---|---|
| Issuing | 30 000 UZS73 cards · free: 28 | 50 000 UZS50 cards · free: 14 |
| Maintenance per year | free65 cards | free41 cards |
| Withdrawal at own ATMs | 0.5%59 cards · free: 20 | 1%42 cards · free: 14 |
| Withdrawal at other banks’ ATMs | 1%67 cards · free: 10 | 1%48 cards · free: 3 |
| Withdrawal abroad | 1.5%65 cards · free: 2 | 2%49 cards · free: 2 |
| Transfer to another bank’s card | 1%70 cards · free: 5 | 1%47 cards · free: 1 |
Terms at the same bank (16 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: Visa — 2, Mastercard — 0, equal — 12.
| Bank | Visa | Mastercard | ||
|---|---|---|---|---|
| Issuing | Maintenance per year | Issuing | Maintenance per year | |
 Aloqabank |
free | free | 30 000 UZS | free |
 Asakabank |
free | — | free | free |
 Asia Alliance Bank |
30 000 UZS | free | 30 000 UZS | free |
 Davr Bank |
free | free | free | free |
 Ipoteka Bank |
50 000 UZS | free | 50 000 UZS | free |
 Kapitalbank |
free | free | free | free |
 Madad Invest Bank |
free | free | free | free |
 Microcreditbank |
45 000 UZS | free | 45 000 UZS | 12 USD/year |
 National Bank of Uzbekistan (NBU) |
— | free | — | free |
 Octobank |
— | free | — | free |
 Orient Finans Bank |
30 000 UZS | free | 30 000 UZS | free |
 TBC Bank |
free | free | free | free |
 Tenge Bank |
free | 5 USD/year | free | free |
 Trustbank |
30 000 UZS | — | 30 000 UZS | — |
 Uzpromstroybank (SQB) |
free | free | 50 000 UZS | free |
 Xalq Bank |
free | free | free | free |
USD cards: median fees
| Fee | Visa | Mastercard |
|---|---|---|
| Issuing | 50 000 UZS84 cards · free: 18 | 67 500 UZS48 cards · free: 9 |
| Maintenance per year | 5 USD/year65 cards · free: 30 | 5.88 USD/year33 cards · free: 16 |
| Withdrawal at own ATMs | 0.5%64 cards · free: 23 | 0.75%40 cards · free: 10 |
| Withdrawal at other banks’ ATMs | 1%81 cards · free: 7 | 1.25%48 cards · free: 3 |
| Withdrawal abroad | 1.5%84 cards · free: 4 | 2%51 cards · free: 2 |
| Transfer to another bank’s card | 1%72 cards · free: 4 | 1%41 cards |
Terms at the same bank (15 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: Visa — 4, Mastercard — 2, equal — 9.
EUR cards: median fees
| Fee | Visa | Mastercard |
|---|---|---|
| Issuing | 60 000 UZS11 cards · free: 2 | 60 000 UZS15 cards · free: 3 |
| Maintenance per year | free6 cards | 402 500 UZS/year8 cards · free: 3 |
| Withdrawal at own ATMs | free8 cards | free14 cards |
| Withdrawal at other banks’ ATMs | 2%11 cards | 1.5%15 cards · free: 1 |
| Withdrawal abroad | 2%11 cards | 2%15 cards · free: 1 |
| Transfer to another bank’s card | 1%9 cards | 1%12 cards |
Terms at the same bank (4 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: Visa — 0, Mastercard — 1, equal — 3.
| Bank | Visa | Mastercard | ||
|---|---|---|---|---|
| Issuing | Maintenance per year | Issuing | Maintenance per year | |
| Asia Alliance Bank |
30 000 UZS | free | 30 000 UZS | free |
| Ipoteka Bank |
50 000 UZS | free | 50 000 UZS | free |
| Kapitalbank |
100 000 UZS | 360 000 UZS/year | free | free |
| Orient Finans Bank |
30 000 UZS | free | 30 000 UZS | free |
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.
Benefits by card level
How many banks list the benefit for cards of a level. The set of benefits depends on the card level and the bank, and the systems’ levels differ and do not match directly.
Frequently asked questions
Which is better value: Visa or Mastercard?
Medians across UZS cards (Visa / Mastercard): issuing 30 000 UZS / 50 000 UZS; yearly maintenance free / free; transfer to another bank’s card 1% / 1%. Banks issuing both cards in UZS: 16. Of these, issuing is cheaper: Visa — 2, Mastercard — 0, equal — 12. Check your own bank’s fees.
Which banks issue both Visa and Mastercard?
21 banks issue both cards: Aloqabank, Anorbank, Asakabank, Asia Alliance Bank, Davr Bank, Garant Bank, Ipak Yuli Bank, Ipoteka Bank, Kapitalbank, Madad Invest Bank, Microcreditbank, National Bank of Uzbekistan (NBU), Octobank, Orient Finans Bank, TBC Bank, Tenge Bank, Trustbank, Turonbank, Uzpromstroybank (SQB), Xalq Bank, Ziraat Bank Uzbekistan. Only Visa: Agrobank, Apex Bank, Business Development Bank, Hamkorbank, InFinBank, KDB Bank Uzbekistan, Open Bank, Poytaxt Bank, Uzum Bank. Only Mastercard: AVO Bank, Hayot Bank.
Where can I get Visa or Mastercard issued for free?
20 banks issue a physical Visa card for free: Agrobank, Aloqabank, Anorbank, Asakabank, Asia Alliance Bank, Davr Bank, Hamkorbank, InFinBank, Ipak Yuli Bank, Kapitalbank, KDB Bank Uzbekistan, Madad Invest Bank, Octobank, Open Bank, TBC Bank, Tenge Bank, Turonbank, Uzpromstroybank (SQB), Uzum Bank, Xalq Bank. 11 banks issue a physical Mastercard card for free: Anorbank, Asakabank, Asia Alliance Bank, Davr Bank, Kapitalbank, Madad Invest Bank, Octobank, TBC Bank, Tenge Bank, Trustbank, Xalq Bank.
Which card is cheaper for cash withdrawal abroad: Visa or Mastercard?
Median fee for withdrawing cash abroad (Visa / Mastercard): UZS 1.5% / 2%; USD 1.5% / 2%; EUR 2% / 2%. The bank sets the fee, and it may differ for a particular card.