Azernews.Az

The International Bank of Azerbaijan (IBA) is committed to expanding the fast-growing plastic card business in Azerbaijan. Promotion of non-cash settlements by using plastic cards is crucial for the Azerbaijani economy, therefore, it has become a business priority for the IBA.
IBA, as a full-fledged member of VISA International and MasterCard International and an exclusive partner of American Express, offers a broad choice of plastic card services. The bank offers American Express Card,
American Express Gold Card, Visa Electron, Visa Internet Card, Visa Classic, Visa Classic LadiesCard, Visa Gold, Visa Platinum, Visa Business, Visa Business Gold, Cirrus Maestro, MasterCard Web Card, MasterCard Standard, MasterCard Gold, and MasterCard Business.
Running a processing company of its own enables IBA to improve the quality of services and develop new banking products delivered to the holders of international plastic cards.
The IBA’s ATM network covers over 50 towns across Azerbaijan, including Baku, Nakhchivan, Sumgayit, Ganja, Ali Bayramly, Mingachevir, etc. This network consists of more than 600 ATMs.
Over 2,500 trade and service entities accept the bank's cards; major stores, well-known boutiques, restaurants, hotels and other businesses are now equipped for using plastic cards. The receiving terminal network makes card payments even more affordable and attractive to customers.
Also, VISA InterCard and MasterCard WebCard cards designed for payments via the Internet are becoming more and more popular. The use of plastic cards in paying utilities, landline and cell phone bills, as well as the bills of Internet providers has been on the rise.
The use of Internet Banking and Mobile Banking systems is growing rapidly as well.
IBA implements the Salary Card project in addition to using corporate cards. The effectiveness of this system has been tested and proven through servicing staff members of around 700 enterprises and organizations across the country.
LadiesCard is a bank card from the IBA specially designed for women and is fully provided with handy advantages. LadiesCard is more than a simple bank card, it is your key to the world full of opportunities and surprises!
Do shopping at hundreds of small and big shopping malls and service points, the number of which is increasing not monthly, but daily all over Azerbaijan, and get access to countless surprises, discounts, bonuses, various campaigns arranged for you by the IBA and its cooperating enterprises!
To explore the world of opportunities you just need to take your LadiesCard with you and gallantly enter any door with the Visa International, Visa Electron, MasterCard International and Maestro logos! The key to this door is in your hands! Remember, endless opportunities and joyful shopping are waiting for you everywhere you encounter the LadiesClub and LadiesCard logos.
All over the world, at millions of points, wherever you see the Visa International, Visa Electron, MasterCard International and Maestro logos, you can use your card for shopping or just for obtaining cash in the currency of the country of stay or in any other currency from hundreds of thousands of ATMs. LadiesCard is your only guide to the wonderful world of shopping!
With the assistance of KartTransfer service available 24 hours a day, 7 days a week, and in an instant you can transfer funds in any amount and currency from your LadiesCard to another IBA plastic card or cards issued by banks that have concluded respective agreements with IBA, just using our ATMs, Information Kiosks and the Internet Banking service. You can also receive money transfers whenever you wish just by using this service. Money transfers are really easy and advantageous with the KartTransfer service!
Using 600 ATMs operating all over the country 24/7, you can withdraw cash, check your account balance, print or just read from the screen the statements about your previous transactions, buy SimSim and GencSim talk units (contours) for friends and yourself, as well as pay utility fees (phone and electricity fees) and cellular communication fees (Azercell and Bakcell), and transfer funds from one plastic card to another! All these transactions, except cash withdrawals, can also be carried out in just a few minutes through Information Kiosks that you can find almost in every branch of the bank!
The electronic chip embedded in your card can be used as well in public transport, namely in the Baku subway. All you need is just to approach the ticket agents, submit your card and pay the fare.
With the aid of Internet Banking you may check your balance any time, track your expenses, operations, and make full use of the increasing number of payment services designed for IBA clients. Moreover, Internet Banking is absolutely free for LadiesCard holders!
You can obtain your Visa Classic international cards with an embedded electronic chip for the period of one, two and three years.
LadiesCard holders have guaranteed discounts for goods and services in stores, restaurants, beauty shops and other retail outlets that are members of a unique club founded by IBA. LadiesClub LadiesCard holders are able to receive discounts on goods and services from 5% to 15%.
The list of current members of the LadiesClub is as follows: La Parfumerie, N-Studio, Amplua, Bessini, BahBah club restaurants, Trattoria L’Oliva, Pierre Cardin, Cacharel, Rodi, US Polo Assn, The House of Villeroy&Boch, Bang and Olufsen, Yves Delorme, Baccarat, Ambiance, Swarovski, Royal Collection, Sabina, Gallery, and Aztime Watch Company.
Unlike Visa Electron cards, Visa Classic card presents you the opportunity to open a private credit line. Visa Classic cards are perfect companions while traveling.
Visa Classic LadiesCard holders automatically become holders of the travel insurance from the International Insurance Company (IIC), which covers you day and night during your journey! *