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About the card
Grace period
UZCARD credit card — a card on a physical medium of the national UZCARD payment system with a bank credit limit. The cardholder pays for purchases using borrowed funds at retail outlets and online services that accept UZCARD, as well as makes transfers within the opened limit.
The limit is set from 1,000,000 to 50,000,000 sum, for bank employees, participants in salary projects and the "whitelist" — up to 100,000,000 sum; in the absence of credit history — up to 20,000,000 sum. The credit limit period is 60 months, with the limit decreasing monthly by 1/25 in the last 25 months. Card issuance — 30,000 sum, currency — sum, validity period — 5 years.
Grace period — up to 55 calendar days: interest on limit usage is not charged for grace transactions if the debt is repaid on time. Cash withdrawals, card-to-card transfers, conversion, credit repayment and deposit replenishment are non-grace operations — a 2% fee per operation and 1% for transfers is charged through Apex Bank.
Terms
- Card issue
- 30 тысяч сум
- Service fee
- —
- Payment for goods and services
- Комиссия за вне льготные операции: через Apex Bank — 2% за операцию + 1% за перевод; через другие банки — 2% за операцию + комиссия банка, через который проходит перевод
- Card reissue
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- Minimum deposit
- —
- Validity
- Срок действия карты — 5 лет
- How to get it
- At a bank branch · In the mobile app
Terms as published on 21.07.2026
Additional terms
- Individuals — citizens of the Republic of Uzbekistan aged 21 to 60 years, with 60 years being the maximum age on the date of application submission
- Official employment and official income for a period of at least the last 6 months on the date of application review
- Credit limit: from 1,000,000 to 50,000,000 sum; for employees, participants in salary projects and the "whitelist" — from 1,000,000 to 100,000,000 sum; in the absence of credit history — up to 20,000,000 sum
- If the credit limit is not used within 60 calendar days from the opening date, the bank has the right to reduce the limit to 0
- Credit application review period — within the 1st business day from the date of receipt
- Rate for overdue debt — the interest rate on urgent debt, multiplied by 1.5 times
- Method of obtaining a plastic card — at the Central Sales Office of APEX BANK JSC
Payments
The first billing period is calculated from the date of the first expense transaction to the 1st day of the following calendar month. The monthly minimum payment on debt (according to the bank's conditions) is made no later than the 25th.
Documents
Passport or ID card, documents for client identification (as required by the bank). ID card is sufficient for preliminary approval.
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FAQ
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Card issuance costs 30,000 som. The card is issued in som for a period of 5 years.
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From 1,000,000 to 50,000,000 soum. For bank employees, salary project participants, and "whitelist" members — up to 100,000,000 soum. Without credit history, the limit does not exceed 20,000,000 soum.
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The grace period is up to 55 calendar days. During this time, interest on the use of the credit limit is not charged for grace operations and timely repayment of debt according to the bank's terms.
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Commission is charged for non-preferential operations: cash withdrawals, card-to-card transfers, online currency conversion, loan repayment, deposit top-ups, account transfers, cryptocurrency and securities purchases. Through Apex Bank this is 2% per operation plus 1% for transfers, through other banks — 2% plus the intermediary bank's commission.
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Citizens of the Republic of Uzbekistan aged 21 to 60, officially employed and having official income for at least the last 6 months as of the application review date.
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Submit an application in the mobile app of JSC "APEX BANK" or through the Bank's Central Sales Office; the plastic card is issued at the Central Sales Office. Applications are reviewed within one business day.
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