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About the card
Card delivery
HUMO — a debit card from Kapitalbank in the national currency, issued in the Humo payment system. The card is accepted at retail outlets and ATMs throughout the republic, supports contactless payments (NFC), payment of small amounts without a PIN code, and integration with bank mobile applications and payment services.
Card issuance at the branch — 50,000 UZS including VAT, monthly maintenance — free, payment for goods and services — 0%. Cash withdrawal at the cash desk and ATM of the bank — 1%. Replenishment at an ATM — 0%, at the cash desk — 1% up to 10 million sums inclusive and 0% above this amount.
- Reissuance upon expiration (within one month, in the same or next month) — without commission
- Reissuance at the client's request in case of loss, theft or damage — 50,000 UZS
- Mini-statement at bank ATMs and in a mobile application — free
The card can be obtained at a bank branch or ordered through a mobile application with courier delivery to Uzbekistan and Russia. Cashback, grace period and accrual of interest on the balance are not specified in the card terms.
Terms
- Card issue
- 50 000 UZS
- Service fee
- Free
- Payment for goods and services
- Free
- Card reissue
- 50 000 UZS
- Minimum deposit
- —
- Validity
- 5 лет
- How to get it
- At a bank branch
Terms as published on 09.10.2025
Additional terms
- Card blocking and unblocking, 3D-Secure activation — free
- Mini-statement in the bank's ATM network and in a mobile application — free
- Issuance of certificates on a special form and statements for turnover for a period — 50,000 UZS including VAT
- Issuance and reissuance of additional HUMO cards to the main account — 50,000 UZS including VAT
- Courier delivery of the card when ordered through a mobile application — according to approved delivery rates
Payments
Debit card: transactions are conducted within your own funds in the account, mandatory monthly debt payments are not provided.
Documents
Passport or ID card, documents for client identification (as required by the bank)
Other cards of Kapitalbank
HUMO Kids
50 000 UZS с учётом НДС — выпуск карты в отделении банка
Mastercard Black Edition
Free
Mastercard Black Edition multi-currency
200 000 UZS с учётом НДС, выпускаем в отделении банка
Mastercard Sum (with Braille font)
Free
Mastercard Sum / Mastercard Euro
Free
Mastercard World Elite Metal Edge
Free
Mastercard World Elite multi-currency
300 000 UZS
Uzcard
50 000 UZS
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FAQ
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Card issuance at a bank branch costs 50,000 UZS including VAT. The issuance or reissuance of an additional HUMO card linked to the main account costs the same.
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Maintenance is free — according to the bank's terms, no commission is charged for HUMO card maintenance.
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Payment for goods and services by card — 0%.
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Reissuance upon expiration (one month before, in the same month, or the following month) — free of charge. Reissuance at client's request due to loss, theft, or damage — 50,000 UZS including VAT.
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At a bank branch or through the Kapitalbank mobile app — with card delivery by courier throughout Uzbekistan and to Russia.
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