Up to 5% Discount on Consumer Loans!

Until 30 September 2021, Yapı Kredi Bank will apply discounts of up to 5% on interest rates for Consumer Loans.

For several groups of first-time borrowers, the annual interest rate for consumer loans will start from 15%. The campaign is available to customers taking loans of AZN 5,000 or more. Please note that Yapı Kredi Bank does not require a guarantor for loans of up to AZN 20,000.

In addition, during the campaign period, customers who take out a consumer loan will be offered a Worldcard credit card, with the first year’s annual fee covered by the Bank.

A cash loan designed to meet various personal needs can be obtained from any Yapı Kredi Bank branch. Customers only need to bring their ID card to apply.

For detailed information about the campaign, please call the *0444 Call Center or visit any of our branches.

Yapı Kredi Bank Azerbaijan is a member of a banking group operating in several countries worldwide. With its main shareholder being Koç Holding (Türkiye), the Bank continues to provide a wide range of services to customers through its branches in Baku and Sumgayit, a 24/7 Call Center (*0444), and Internet/Mobile Banking products.

Please note that information about Yapı Kredi Bank Azerbaijan’s products and services is available at the Bank’s branches, on www.yapikredi.com.az, via the *0444 Call Center, and on the Bank’s official Facebook and Instagram pages

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Campaign Terms:

07.06.2021 – 30.09.2021 Customers taking a consumer loan from our Bank for the first time, together with a Worldcard application, or those who already have an active Worldcard, will be eligible for a discount of up to 5% on the loan interest rate, depending on the loan amount. Additionally, customers who obtain a new Worldcard and make at least one transaction by the date specified in the notes will have their first-year annual card fee waived by the Bank!

• Discount ranges:

If a new credit card is issued with the loan (standard rate previously 19.90%):

                            AZN 5,000 – 10,000 → up to 3% discount (final rate: 16.90%)                        

                           AZN 10,001 – 15,000 → up to 4% discount (final rate: 15.90%)

                           AZN 15,001 and above → up to 4.9% discount (final rate: 15%)

If the customer already has a credit card (standard rate previously 18%):

                            AZN 5,000 – 10,000 → up to 2% discount (final rate: 16%)

                            AZN 10,001 and above → up to 3% discount (final rate: 15%)

• The maximum discount under the campaign is 4.9% (minimum achievable annual rate: 15%).
• Customers without an active Worldcard, or who do not apply for one together with the loan, are not eligible for the discount.
• The campaign applies only to first-time loan customers at Yapı Kredi (excluding employees in IT, Telecom, and Oil & Gas sectors).
• Not applicable to Express, Repeat (except for Worldcard customers), Salary-backed, Special Profession, Travel, Auto, Restructuring, Real Estate, State Mortgage (concessional or non-concessionl), or Deposit-backed loans.
• Loans below AZN 5,000 are not eligible for the campaign.
• The waiver of the annual card fee applies only to new cards issued during the campaign period and only for the current year; in subsequent years, the annual fee will be charged according to the card type.
• The annual fee will appear in the first statement after the first transaction and will be waived thereafter
• The fee waiver applies only if the card is activated and used for at least one transaction by 30.09.2021. Customers who do not meet this condition — that is, those who activate and use their card after the specified date — will not have their annual card fee waived.
• The evaluation of the loan and credit card application is carried out in accordance with the Bank’s internal regulations and the responsible lending principles set by the Central Bank. The Bank reserves the right to approve or decline any loan application.