"Milliy" credit card

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Regular version

Purchase

11730

Sale

11820

Exchange rates at the currency exchange office

Currency	Purchase	Sale	CBU
USD	11730	11820	11765.21
EUR	13000	14000	13586.46
RUB		140	139.35
GBP	15600	16600	15872.44
CHF	14200	15200	14402.26
JPY	50	100	76.11

Rate valid as of 15.09.2026 09:00:00

1285, +998 55 503-63-63

Single Call Center

1285 and +998 55 503-63-63

Work schedule: MO-FR 08:00-20:00

Helpline

+998 71 202-99-99

Work schedule: MO-FR 09:00-18:00

All contacts

Trust number department of Anti-corruption control

(Internal number: 1265)

Work schedule: MO-FR 09:00-18:00

Send appeal Contact the Chairman

The version for the visually impaired

Mobile version

MY BANK

For individuals

Mobile app Mavrid Personal cabinet SMS banking

For corporates

Mobile app MKBANK mobile Internet banking Mobile banking SMS banking

UZS

Use the MKBANK "Milliy" credit card for up to 55 days without interest, with a credit limit of up to 100 million soums.

Soum

40,000 soums

open card

10 years

expiration date

Free of charge

card recharging

Update: 14 September 2026, 17:13

Menu:

Convenient Overdraft

Do you have a lot of expenses but not enough funds?

Solve the problem with the “Convenient Overdraft” loan.

Loan details

You asked — we delivered

Starting from June 1, 2025, the free P2P transfer limit in the MAVRID mobile app has been increased to 5 million UZS.

Now sending money to your friends and loved ones is even faster and more convenient.

Another convenience for MKBANK customers

Now card users can remotely block and unblock their cards using the MAVRID mobile app.

Learn more about the card

Type of credit product

UZCARD Credit Card for individuals

Type of bank card

UZCARD national payment system credit card for individuals (physical card).

Card application method

Submission of an application at the Bank's branches followed by setup through the Mavrid mobile application.

Card receiving method

Through the Bank's branches.

Borrower

Individuals who are citizens of the Republic of Uzbekistan:

aged 21 to 60 years;
officially employed;
having official income for at least the last 6 months as of the date of application review.

Credit application processing period

Up to 3 business days from the date of application submission.

Credit limit

From 1 million to 100 million UZS.

If there is no credit history — up to 40 million UZS.

Currency

National currency of the Republic of Uzbekistan — UZS.

Credit facility

Revolving credit line with a credit limit.

Card validity period

10 years

Maximum loan term

10 years.

If the client is 50 years old or older on the date of application, the loan term is set until the client reaches the age of 60, but for a period of at least 1 year.

Minimum loan term

1 year

Credit limit validity period

By agreement with the client; however, the credit limit is reduced in equal monthly installments over a period of at least 48 months.

Credit limit usage conditions

If the credit limit is not used within 90 calendar days from the date of its opening, the credit limit is automatically set to 0.

Interest rate on current outstanding debt

For non-cash transactions — 29% per annum.

Interest rate on overdue debt

1.5 times the interest rate applicable to current outstanding debt.

Grace period (interest-free period)

Up to 55 calendar days.

The grace period does not apply to cash withdrawal transactions.

Billing period

Corresponds to the calendar month.

The first billing period is calculated from the date of the first expense transaction made with the credit card until the billing date.

Payment due date

No later than the 1st day of each month following the month in which expenses were made using credit funds.

Interest-free payment

The amount of expense transactions made using credit funds during the current month and fully repaid within the established period.

Billing date

5th day of each month.

Minimum monthly payment

10% of the outstanding principal balance as of the end of the previous month, calculated as of the 1st day of each month, plus interest accrued for the period of use.

Loan repayment methods

• Through the Mavrid mobile application;
• Through the Bank's cash desks;
• By other methods provided for by applicable legislation.

Interest accrual conditions

Interest is accrued if the minimum monthly payment requirements or the conditions of the interest-free period are not met.

Conditions for suspension of the credit limit

In case of late payment of the minimum monthly payment.

Method of securing credit obligations

Guarantee provided by third-party individuals.

The cost of securing the loan is determined in accordance with the Bank's applicable internal regulations.

Additional expenses

Commission 1.5%:

Cash withdrawals from ATMs.

Commission 1%:

Transfers to other cards, bank accounts, and electronic wallets.

Commission 2%:

Transactions at financial institutions' cash desks;
Currency exchange and conversion;
Transactions through bank terminals;
Pawnshop transactions;
Money transfers;
Transactions with securities and tokens;
Deposit top-ups;
Loan repayments;
Payments by bank details;
Credit card service fees.

Credit history requirements

Positive credit history or no credit history;
No overdue debt;
No problem loans.

Borrower requirements

No outstanding debt recorded in the database of the Bureau of Compulsory Enforcement;
Not included in the Bank's or other organizations' "blacklists".

Document required to obtain a credit card

Identity document.

Debt burden ratio

Calculated in accordance with applicable legislation and the Bank's internal rules.

Risk appetite indicator for the product

The share of NPL for this credit product must not exceed 3%.

Important note

The Bank independently makes the final decision on granting the loan. The loan amount, term, and other conditions are determined based on the client's income, credit history, scoring results, and the Bank's internal criteria.

The Bank reserves the right to change the terms of the credit product within the framework of applicable legislation.

IMPORTANT!

Never share your PIN code with others!

Этот код является конфиденциальной информацией, которую должен знать только владелец карты. Ни сотрудники банка, ни представители правоохранительных органов, ни продавцы не имеют права требовать от вас ПИН-код. В случае потери или кражи карты немедленно уведомьте об этом свой банк. При определённых обстоятельствах может потребоваться подать заявление в правоохранительные органы или предоставить письменное подтверждение утраты.

Issue card

40,000 sum

Service fee

Based on the tariff

Expiration date

10 years

Security deposit

Guarantee of third-party individuals. The cost of credit security is determined based on the Bank's current internal regulations.

Currency

Uzbekistan soum

Required documents

ID card (or passport)

Tariffs

Card opening

40,000 UZS

Issuance (replacement) of a bank card in case of loss, damage, or expiration

40,000 UZS

Card blocking / unblocking

Free of charge

Card top-up

Free of charge

Cash withdrawal from ATMs

1.5% of the amount

Transfer of credit funds to other cards, bank accounts, and electronic wallets

1% of the amount

Transactions at financial institutions' cash desks

2% of the amount

Currency exchange and purchase of foreign currency

2% of the amount

Transactions through physical terminals registered with banks

2% of the amount

Transactions at pawnshops

2% of the amount

Transfers through money transfer services

2% of the amount

Transactions with securities and digital tokens

2% of the amount

Deposit and other account top-ups

2% of the amount

Loan repayment (including loans from other banks)

2% of the amount

Payments by bank details

2% of the amount

Other services

2% of the amount

Instructions

Individual clients tariffs

Date: 07.07.2026 16:51:47
Size: 488.32 KB
Format: pdf

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Order a card

How to order a card?

Visit the nearest bank branch

Go to the nearest bank branch and submit an application to open a card

Wait for your card to be produced

Your card will be ready within 3 business days

Receive your ready card

Return to the bank branch and collect your card in person

Tashkent

Andijan region

Bukhara region

Djizak region

Fergana region

Kashkadarya region

Khorezm region

Namangan region

Navoi region

Republic of Karakalpakstan

Samarkand region

Sirdarya region

Surkhandarya region

Tashkent region

Fill in contact details
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Your data is protected

Отправляя заявку вы соглашаетесь на обработку персональных данных в соответствии с Политикой конфиденциальности

FAQs

The CVV code is a three-digit code on the back of a bank card. As a rule, these are the last three digits of the indicated seven on the back of the card. It is also important to note that for security reasons, it is strongly recommended not to share the CVV code with third parties, as this data makes it possible to manage your card via the Internet.

Source: Finlit.uz

In such cases, you should block your bank card. To do this, you need to call the call center of the issuing bank or the payment system operator. It is also possible to block the card using the mobile application of the bank or payment organization, as well as on the official websites of payment system operators.

Source: Finlit.uz

It is possible to cancel a payment through a trading terminal in certain national payment systems. It should be noted that this operation can be carried out if this service is provided for in the agreement between the merchant and the acquirer.

Source: Finlit.uz

According to the law, banks are independent in setting commissions. It should be noted that a certain part of the income from the commission for cashing out funds goes to cover the costs associated with the purchase and maintenance of ATMs, as well as the rental of a place. It is also possible to cash out funds from a bank card account without interest in a servicing bank.

Source: Finlit.uz

Kartangiz ochilgan filialga shaxsingizni tasdiqlovchi hujjatingiz bilan boriladi hamda 5 daqiqa ichida kartangizni blokdan yechib beriladi.

Shuningdek, Uzcard plastik kartangizni parolini 3 marotaba noto‘g‘ri kiritgan bo‘lsangiz, bankning mobil ilovasi orqali noto‘g‘ri terilgan parolni mobil ilova orqali bo‘shatish imkoniyati mavjud. Buning uchun bankning mobil ilovasini yuklab olishingiz lozim bo‘ladi.