A bank card is no longer just a way to pay for purchases. Today, it helps with everyday spending, online payments, travel, family budgeting, and access to premium benefits.
Kapitalbank offers a wide range of cards for different financial needs - from local Uzcard and HUMO cards to international Visa and Mastercard options, including multi - currency, premium and specialized cards. We prepared a guide,that will help you choose the card that suits you best.
1. Cards for Everyday Payments in Uzbekistan
If you need a simple and reliable card for daily purchases, bill payments, transfers, and cash withdrawals within Uzbekistan, consider Kapitalbank’s local cards.
Uzcard Kapitalbank
A practical card for everyday use. It is suitable for shopping, transfers, and paying for services. A large ATM network across the country gives you easy access to cash whenever you need it.
• Issuance fee: 50 000 UZS
• Maintenance fee: Free
• Payments for goods and services: 0%
• Cash withdrawal in Kapitalbank: 0%
• Features: Contactless payment support
HUMO Kapitalbank
A convenient card for people who value simplicity and comfort in daily banking. It allows you to pay for purchases, make transfers, and enjoy the benefits of modern payment infrastructure.
• Issuance fee: 50 000 UZS
• Maintenance fee: Free
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Features: Contactless payment support
2. International Cards for Travel and Online Shopping
For paying on international websites, using foreign services, and traveling abroad, Visa and Mastercard cards are a great choice. They provide convenient payments both in Uzbekistan and internationally.
Visa Gold (Sum/ USD)
A unique card for daily spending, online shopping, and travel. It can be used both locally and abroad, with access to funds in different currencies.
Issuance fee: Free
Minimum balance: 0 UZS
• Maintenance fee: Free
• Payments for goods and services: 0%
• Transfers to Kapitalbank cards: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
Mastercard Gold (Sum / Euro Gold)
An international card for daily purchases, online payments, and traveling. It supports transactions in different currencies and is suitable for everyday banking both in Uzbekistan and abroad.
Issuance and maintenance: Free
Minimum balance: 0 UZS
• Payments for goods and services: 0% in UZS; 0.5% in EUR
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
3. Multi-Currency Cards: Flexibility in Different Currencies
If you make payments in different currencies, travel frequently, or shop abroad, Kapitalbank’s multi-currency cards allow you to manage funds in UZS, USD, and EUR within a single product.
Thanks to cross-currency conversion, payments abroad become easier and require fewer additional transactions.
Visa Gold Multi-Currency
• Issuance fee: Free
• Maintenance fee: 0 UZS
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
Visa Platinum Multi - Currency
Issuance fee: 100 000 UZS
Minimum balance: 50 000 UZS
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
• Maintenance fee: 0 UZS if at least one of the following conditions is done. Otherwise,
5 000 UZS per month (including VAT).
Free maintenance conditions:
• Average monthly balance across all accounts/deposits - at least 6.5 million UZS
• Or monthly spending on goods and services - at least 1.5 million UZS.
Visa Infinity Multi – Currency
A premium card for clients who want extra benefits when traveling and access to special offers. It includes privileges at restaurants, hotels, and travel services.
Issuance fee: 200 000 UZS
Minimum balance: 195 000 UZS
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month); 0.7% (above 10 million UZS)
Maintenance fee: 0 UZS if one of the conditions below is met. Otherwise, 65 000 UZS per month (including VAT).
Free maintenance conditions:
• Average monthly balance across all accounts/deposit - more than 50 million UZS
• Or monthly spending on goods and services - more than 20 million UZS
Mastercard Black Edition Multi-Currency
A premium card designed for comfortable travel and enhanced travel services. Benefits include airport lounge access, Fast Track service, travel insurance, concierge service, and internet roaming.
Issuance fee: 200 000 UZS
Minimum balance: 195 000 UZS
•Maintenance fee: 0 UZS (under premium service conditions)
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
The card also provides access to Kapital Privilege / Kapital Premium banking programs.
Mastercard World Elite Multi-Currency
A premium card with advanced benefits for travel and international spending. It includes unlimited airport lounge access, the Mastercard Travel Experiences program, and special offers from hotels, boutiques, and car rental services worldwide.
Issuance fee: 300 000 UZS
Minimum balance: 300 000 UZS
• Maintenance fee: 0 UZS
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month) ; 0.7% (above 10 million UZS)
Includes Kapital Privilege / Kapital Premium premium service with a personal approach.
4. Exclusive Cards for Kapital Privilege and Kapital Premium Packages
Premium-level cards with enhanced service conditions and access to additional benefits. They offer special conditions and the possibility of free maintenance if balance requirements are met.
Visa Infinite Veneer
A premium multi-currency card for clients of the Premium package. It combines personal service, special travel benefits, and extended loyalty programs from Kapitalbank and Visa.
• Issuance fee: free
• Maintenance fee: 0 %
•Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank ATMs: 0%
• Cash withdrawal outside Uzbekistan: 2% + acquiring bank fee
Mastercard World Elite Metal Edge
A premium multi-currency metal card for Premium package clients. It is suitable for everyday spending and travel, providing access to enhanced services and international benefits.
• Issuance fee: free
• Maintenance fee: 0%
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank ATMs: 0%
• Cash withdrawal outside Uzbekistan: 2% + acquiring bank fee
Mastercard Black Edition & Visa Infinite Metal Edge
The ultimate cards for Kapital Privilege package clients.
• Issuance fee: Free
• Cash withdrawal at Kapitalbank ATMs: 0%
• Cash withdrawal outside Uzbekistan: 2% + acquiring bank fee
Payments for goods and services:
• Mastercard Black Edition: 0% in all currencies, except EUR (0.5% when paying in EUR, minimum 0.5 EUR)
• Visa Infinite Metal Edge: 0% in all currencies except EUR (0.5% when paying in EUR, minimum 0.5 EUR)
Maintenance fee (Kapital Privilege):
• Free - if the average monthly balance is at least 30 000 USD (equivalent value on the last working day of the month)
• 400 000 UZS per month - if the requirement is not met
5. Kids Cards: First Steps into the World of Finance
Kapitalbank family banking solutions help children safely learn about financial tools and gradually develop money management skills under parental supervision.
Uzcard Kids
A card for a child’s everyday spending inside the country. It is suitable for purchases and cash withdrawals with simple and clear conditions.
• Issuance fee: 50 000 UZS
• Maintenance fee: Free
• Cash withdrawal at bank branches: 0%
• Payments for goods and services: 0%
HUMO Kids
Practical card for daily spendings of the child on the territory of Uzbekistan.
• Issuance fee: 50 000 UZS
• Cash withdrawal at bank branches: 0%
• Payments for goods : 0%
Visa Gold Kids
Internatiomnal card for kids with the possibility using a card abroad and in online – services, under parental supervision.
• Issuance fee: free
• Payments for goods and services: 0%
• Cash withdrawal at bank branches: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% up to 10 million UZS per month; later 0.7%
6.Inclusive solutions
Kapitalbank develops financial products that make banking services accessible for all customers, including people with special needs.
Mastercard Sum (with Braille’s front)
A special bank card with raised Braille dots for customers with vision impairments.
• Issuance: free
• Payments for goods and services: 0%
• Cash withdrawal at Kapitalbank ATMs: 0% (up to 10 million UZS per month); 0.7% (above 10 million UZS)
When choosing a bank card, it is important to consider not only its status or payment system, but also service conditions, fees, limits, and extra features. Before getting a card, it is recommended to compare tariffs with your daily needs, carefully read the terms, and think about your financial habits - this helps you use the card more effectively.
