Pay and Earn

It’s possible to earn 2% at supermarkets, pharmacies, petrol stations, and auto parts stores, and 1% on payments of other categories. It’s possible to earn lots of cashback by adding “akart“ to Apple Pay or Google Pay and making payments.
In addition, VISA PayCity offers various discounts for “akart“ customers in its partner network. The discounts may vary depending on the type of card. Therefore, it is recommended to familiarize yourself with the discount conditions for partner merchants in advance.

Transactions earning cashback apply only to non-cash payments made on the territory of Azerbaijan.

The cashback amount is transferred to the sub-account immediately after the cashless payment.

Cashback can be earned on 5 transactions in each category during the day.

There’s no minimum requirement for turnover to earn cashback. You can earn maximum 10 AZN per payment and 25 AZN monthly per category. The total monthly maximum amount to earn cashback is 100 AZN. The percentage per cashback category is:

• 2% at supermarkets, pharmacies, gas stations, and auto parts stores
• 1% on payments of other categories

The amount of cashback you earn from a cashless payment is deducted from your account when the transaction is cancelled. If the cashback you earned is no longer available in the cashback balance, the cashback amount will be deducted from the value of the merchandise when the transaction is returned.

• Insurance payments;
• Betting games;
• When depositing funds to the card (operations such as ATM-Cash, Pos-Cash);
• Card-to-card transfer operations (Card-to-Card, Visa Direct, Mastercard Money Send);
• ASAN service payments;
• When depositing funds into the balance of electronic wallets (QIWI, YandexMoney, etc.);
• Online payments for debt repayment (mortgage, consumer credit, installment, debt repayment with a grace period, etc.);
• Online payments (Utilities, state payments, fines, taxes, customs duties, etc.) carried out through the Government Portal (HÖP);
• When shopping in stores and online websites located outside the country;
• Payments to mobile operators;
• Payments for public transportation;
• Cashback is not available for transactions made in commercial facilities where cases of abuse have been detected.

Cashback is calculated only for transactions made with AZN.

It is temporarily impossible to get cashback at petrol stations for payments made with QR code.

• You can earn 1% cashback on utility payments (Cashback is calculated for Azərsu (individuals/commercial users), Azəriqaz (individuals), Azərişıq (individuals/commercial users) AzərİstilikTəchizat payments).  

• You can earn on 5 transactions every day.  

• You can find utility payments in the "Other Payments" category in the "akart" app.  

• The maximum amount you can earn is 10 AZN per transaction and 25 AZN in total.  

• The earned amount is included in “the monthly cashback limit of 100 AZN” and the general rules of “Cashback Bonuses” are applied to this category.  

• A user can earn 1% cashback by topping up Azercell mobile number balance with “akart”;
• It's possible to earn on 5 transactions maximum every day;
• These payments belong to the “Other Payments” category;
• The maximum amount a user can earn is 10 AZN once and 25 AZN in total;
• The earned amount is included in “the monthly cashback limit of 100 AZN” and the general rules of “Cashback Bonuses” are applied to this category.