Digital AVO bank has updated the design of its official website. In addition to visual changes, the page provides a clear picture of how the product line of a bank without branches is structured.

Four main products

AVO platinum credit card — featured on the first screen as a flagship product. The stated grace period is up to 45 days without interest. The card is issued on the Mastercard payment system.

Online microloan — with a limit of up to 100 million sums, remote application.

AVO deposit — deposit direction.

Payment sticker and UZCARD virtual card — two products for contactless payment. The sticker is applied to a phone and works like a regular card, while the virtual card exists only in the app.

Benefit calculator

A separate section on the page allows you to calculate terms in three directions: credit card, microloan, and deposit.

The presence of a calculator is a practically useful element: it shows total amounts before application, not just promotional rates.

What this product line means

The set of products reflects the digital bank model: minimal branches, all applications through the app, focus on payment instruments and consumer lending.

The bank entered the market in February 2024 and was immediately built as remote — with card issuance through special ATMs and connection from any point in the country.

Market position for cards

As of spring 2026, AVO bank was among fast-growing issuers: the card base increased more than three times over a year, though from a low starting base.

For credit cards, the bank's offer is in the lower part of the market rate range, where the spread between issuers exceeds fifteen percentage points.

What to look for when choosing

The updated interface makes it easier to familiarize yourself with products, but key parameters should still be sought in tariffs, not on the homepage:

  • rate after the grace period expires;
  • whether grace applies to cash withdrawals and transfers;
  • maintenance and reissuance commission;
  • minimum mandatory payment amount.

The stated «45 days without interest» is the maximum period for a purchase at the beginning of the billing period. A purchase closer to the end gives less time for interest-free repayment.

It makes sense to compare the offer with other cards with grace period based on the totality of conditions — there are products on the market with grace up to two months.

Terms are valid at the time of publication. Check current parameters with the bank.