Applicant Requirements: Minimum age - 18; maximum age - 70 at the time of the card's expiration. Employees of both public and private enterprises and retirees are eligible to apply.

Registration: within the territory of the Republic of Azerbaijan. 

Required documents: -ID card -Certificate of employment or other documents confirming official income (extract from salary card, digital certificate)

Card annual service fee: None

Contactless payment: Contactless payment function is the definition used for the transactions paid by card in the amount of less than 100 AZN without entering the PIN code.

ATM cash, POS cash, card-to-card transfers, credit payments, transportation (excluding air transport), communications, mobile operator payments, betting, government and utility payments, quasi-cash transactions (such as wallet-related services), courier and cargo services, tax payments, bond payments, penalties, and court-related costs (including alimony) are not considered as turnover, and no cashback is calculated for these transactions. Transactions made through the "DOSTBANK" Mobile Application are also excluded from earning cashback.
Cashback amounts less than 0.01 AZN will not be considered.

Starting from 01/05/2024, the limit for cashback amounts and the cashback interest rate have been revised. For detailed information on the new terms, please refer to the "Cashback Terms" section.

Update: The following terms and conditions for the Bol 1 option and/or the amounts used during Cashout will be effective from January 01/01/2024. Unless stated otherwise in the Loan Agreement between the parties, the grace period for calculating interest on debt amounts from transactions with a grace period set by the Bank will extend from the transaction date to the date of the second payment following that transaction.
If the principal amount of the debt arising from a transaction with an applied grace period is not fully repaid to the Bank within that period, interest on the outstanding amount will be charged to the Client at the rate agreed upon in the Loan Agreement, with calculation starting 30 days before the last day of the grace period.
Starting from the first transaction day after the grace period, the Client is obligated to repay the Bank at least 1/24 (or 1/36) of the principal amount, or another proportion as determined by the Bank, along with the accrued interest, unless otherwise specified by the Bank. Interest will continue to accrue until the total debt is fully repaid.

Note: The decision to approve a loan for clients is based on an evaluation of their credit history, existing obligations, employment status, and official income.