PLASTIC CARDS

Plastic or payment cards are type of "electronic money" - modern payment method having unquestionable advantages compared to traditional cash money.

At the present time there in the world are different kinds of plastic cards but the scheme and principles of their operation are in fact the same.

What for do we acquire plastic cards?

• It is comfortable and safe to keep money on the card;
• On the first request of yours the Bank will submit a report on receipt and expenses;
• Plastic cards are accepted to payment all over the world;
• You can draw cash from any of the ATMs in any point of the world;
• On your desire the cash will be given in local currency that will help you avoid problems during your trip;
• When crossing the border there is no need to declare the funds on the card.

International Payment Systems

Issuance and services of payment cards in the world are coordinated by different payment systems. The biggest ones are Visa international, MasterCard International.

Classification of International Plastic Cards:

According to credit granting cards are divided into credit and debit ones. Depending on the services rendered there are "electronic", "classic", "gold" and "platinum" cards.

• Electronic (Cirrus-Maestro, VISA Electron) are used for payments with usage of terminals and drawing cash in ATMs and postterminals;
• Classic (MasterCard Standard, Visa Classic) - render to its owner standard complex of services on the card - for rent a car orhotel reservation and payment;
• Gold or platinum (Visa Platinum, Visa Gold, MasterCard Gold, MasterCard Platinum) - besides standard complex of services offers different additional services.

Types of International Plastic Cards

Depending on the owner of the special card account (SCA) plastic cards are divided into:

• Individual - any potential and real client of the Bank can become the owner of this type of card;
• Corporate - type of cards for companies and organizations. The company gets the possibility to open several cards for its employees. The company bears all responsibility. Corporate cards allow to quickly solve problems connected with allocation of funds for entertainment expenses and household needs. The company can pay into an account or draw cash from the account at any moment;
• Discount cards - mainly serve for discounts to its owners when paying for goods and services, e.g. at booking hotels, clubs, restaurants, medical institutions, and also when using international telephone line, purchasing air tickets, car rent, etc.

Plastic cards of AZERIGAZBANK

From November, 1997 "AZERIGAZBANK" JSIB is the full member of the biggest international system "Europay International". "AZERIGAZBANK" offers following types of cards:

• MASTERCARD GOLD
• MASTERCARD STANDARD
• CIRRUS/MAESTRO
• MASTERCARD PLATINUM
• MASTERCARD EURO
• MASTERCARD BUSINESS
• VISA GOLD
• VISA CLASSIC
• VISA ELECTRON
• VISA GIFT CARD
• VISA BUSINESS
• AGCLUB
• IAPA
• INSURANCE
• PRIORITY PASS
• MASTERCARD VIRTUAL
• ISIC-MAESTRO
• ITIC-MAESTRO
• MAGELLAN

MASTERCARD GOLD	MASTERCARD STANDARD	CIRRUS/MAESTRO
MASTERCARD PLATINUM	MASTERCARD EURO	MASTERCARD BUSINESS
MASTERCARD BUSINESS PREPAID	VISA-GOLD	VISA-CLASSIC
VISA-ELECTRON	VISA GIFT CARD	VISA BUSINESS
AGCLUB	IAPA	INSURANCE
PRIORITY PASS	MASTERCARD VIRTUAL	ISIC-MAESTRO
ITIC-MAESTRO	MAGELLAN

All cards issued by "Azerigazbank" JSIB are international and accepted all over the world;

Special card account (SCA) is either in USD or in Azeri manats, or in Euro. Owner of any plastic card of "Azerigazbank" can pay into special account funds in local or foreign currency which will be converted according to exchange rate, set by the National Bank for the operations on special card account;

At the registration of "Azerigazbank" plastic cards the insurance deposit (excluding Cirrus/Maestro and VISA ELECTRON) and minimal deposit on special card account are necessary.

Order of acquisition of "Azerigazbank" plastic cards

• Bank registers card to individuals - legal-aged residents or non-residents of Azerbaijan Republic;
• Additional (family) cards are issued to the account of main card on the application of the main card holder;
• Together with the card the client gets sealed envelope with personal identification number (PIN);
• Rules and conditions of usage of the card are written in the Appendix to the general agreement;
• Individual for whose name the card is given must submit passport to the bank.

For opening of the card account and receiving of any (debit) card from offered plastic cards it is necessary:

• Address head office or any of the branches of the Bank;
• Attentively read the rules of usage of plastic cards, get acquainted with tariffs and conditions of issuance and services of plastic cards;
• Submit the following documents:
  • passport
  • fill in the application in the Bank

For opening of card account and receiving of credit line for MasterCard Gold or Standard plastic card it is necessary to:

• Address head office or any of the branches of the Bank;
• Attentively read the rules of usage of plastic cards, get acquainted with tariffs and conditions of issuance and services of plastic cards;
• submit the following documents:
  • passport
  • fill in the application in the Bank
  • application for the opening of the credit line
  • guarantee letter or any other pledge collateral
    
    
• It's needed to pay for the yearly service of the card account and the price of the plastic card itself (according to the set tariffs of the Bank), and also deposit cash or make non-cash transfer of funds necessary for settlements;
• Plastic card is given during 2 days from the moment of its registration and paying funds into card account;
• When receiving plastic card its owner must put his/her signature on the special line on the back of the card;
• Together with the card, the envelope with PIN code which is needed at usage of ATM or electronic terminal is given. PIN-code must be kept in secret; nobody except the owner of the card can know it. It's better to remember PIN-code or to keep it away from the card.

Which operations can be made with the plastic cards?

1. * Payment of goods and services inside and outside of the country, no commissions are charged from the holders of the cards;
2. * 24 hours cash withdrawal inside and outside of the country in the ATMs;
3. * Cash advance in any country of the world in any currency;
4. Payment of goods and services via Internet;
5. Car rent inside and outside the country;
6. Booking of rooms in the hotels all over the world;
7. * At request - you can get the statement on the transactions made;
8. * Not declare funds on the card account when going abroad;
9. * Pay to account not only cash but non-cash as well;
10. * Have "family" account, registering only one or several additional cards for members of your family;
11. * Be sure in safety of your funds, because cards are protected from forgery, and the card account - from the unsanctioned access;
12. * Avoid high commissions at cash exchange and to make settlements on profitable exchange rate of international payment systems.

    * Above said points extend to Cirrus/Maestro and VISA ELECTRON cards as well.

The preference of credit card packet over one

1. When you purchase the credit card packet, instead of one you receive the four not of less importance than first and absolutely different in use (Two Charge Cards M/C and VISA, Insurance Card MBASK, and Discount Card AGClub)
2. When you loss or damage the one single card beyond the bounds of Azerbaijan, you loss the access to your bank account at that moment you need the money, but in case of loss of one of these Charge Cards received in packet, you just block lost card and use funds on second card
3. When you receive one card (for example: M/C) issue can be occurred in shop during the purchasing of goods or cashing of funds in cash machine if in case the Pos Terminal or cash machine accepts only the VISA system cards or the contrary
4. In rare instances the connection in one of the systems (M/C or VISA) can temporarily default, in this case you again face with above mentioned problem. When you purchase the credit card packet, you don't face such problems, because you have VISA and M/C
5. When you receive the credit card packet, Bank insures you against accidents free of charge and delivers the insurance packet with twelve categories of insurance. It saves your time and money. You don't need to apply to Insurance Company and pay the more money whiles it done by AGBank for you
6. When you receive the credit card packet, the discount card is delivered to you free of charge, whereby you can enjoy the discount during purchasing the goods and service payment. Now you got a chance to purchase, relax, drive, dress, and travel, care of health and appearance will valuable discounts, which grant to numerous partners of uniform discount system
7. Yearly drawing of prizes on M/C and VISA gives opportunity to take part in both systems and grant the valuable prises if in case you receive the credit card packet
8. Only the holders of two cards of M/C and VISA are able to rent the most prestigious and expensive quality of cars, which never will commit to owner of card of single Charge System.

How to use the plastic card:

At payment of goods and services or at receiving cash it's necessary to:

1. Submit plastic card to the cashier

• The cashier will check the financial solvency, inquiring center of authorization of payment system;
• If the needed amount is available on the card the cashier will print out special slip or cheque in case of authorization with assistance of POS-terminal, confirming the transaction;

2. Sign on the slip or cheque of POS-terminal;

• The signature must fully correspond to the signature of the owner of the card on the back of the card;
• At purchase (sale) transactions it's necessary to pay attention to the document signed by you, especially to the date and amount;
• One copy of the slip (cheque) the cashier is obliged to give to the holder of the card;
• The given slip (cheque) must be kept during 1 month until checking up in the Bank with the report on transactions made;
• Detailed report on the card account and on all the transactions made is given to the card holder not less than once in a month or on the first request of the card holder.

Acceptance of plastic cards to payment

"Azerigazbank" plastic card is accepted to payment in any trade-service center or in any cash withdrawal point which belongs to MasterCard payment system. It can be defined by the appropriate logo on the entrance doors, cash-deks's glass or ATM panel.

How to pay into the card account

As the card holder spends funds from the card there is arising necessity of paying into account. In any suitable time the client of the Bank can quickly pay into his/her card account either non-cash from any bank or cash in head office or in any branch office of the Bank.

• Requisites for the non-cash transfer are indicated in the agreement for issuance and services of the plastic card;
• All funds transferred by non-cash method or paid in cash can be used the next day after their paying into cashier's or paying into card account by non-cash method.

Reminder for the owner of plastic card

• Validity term of your card is shown on it and is valid till the last day of the shown date;
• For the prolongation of the term of the card address the Bank in any time suitable for you;
• Check the statements of the Bank with the your copies of the bills;
• Do not forget that in case of exceeding of limit the Bank will apply penalties;
• Plastic card is the property of the Bank;
• On the expiration date the card holder is obliged to return it to the Bank or change it to a new one (optional), filling in appropriate application.

Security measures

To avoid damage of a plastic card it is necessary to:

• Keep the card away from sources of thermal and electro-magnetic radiation;
• Avoid mechanical damages of the card, its upper part and magnetic line.

For the prevention of unsanctioned usage of the plastic card:

• Never open your PIN code to anybody. Neither bank officer, nor ATM service staff or policeman has any right to demand disclose the code. - Never right PIN code number on your payment card;
• Never keep PIN code and your payment card together, it will be better to learn it by heart and never keep it in written;
• Place your signature on the signature panel on the reverse of the card immediately upon its receiving;
• Never give the card to anybody. Order the supplementary card issued to the any member of your family which will be the access to the account;
• Do not leave your card in the car or on the restaurant table without keeping an eye on it;
• If the card is lost, please phone to Azericard by phone 984383 or 984376, you have to tell your code word in order to block the card;
• Try to monitor your card account once a month. Especially after your business trip where you have used the card.

Safety technique at ATM:

• Do not let anybody to view your PIN code. Possibly later you will not find your card and then your money;
• Try to enter PIN code correctly. Your card will be blocked after 3 wrong attempts for the safety reasons;
• Try to conduct all the operations in time, do not leave the card in the ATM cardreader because it will be picked up by ATM in the safety purposes;
• Do not trust any person near the ATM even if the person looks like the ATM service personnel or bank Security officer;
• Try to hide the cash immediately because there is no reason to calculate the money in front of ATM . Automatic Teller Machine does not make mistakes and if the last will occur you will not receive the reasonable answer from it, but the passers-by will be deeply expressed by the banknotes pile in your hand and the consequences will be hardly forecasted.

Safety Technique for the retail transactions:

• Treat your card as your purse. Just imagine that instead of 2 or 3 banknotes you give your purse and kindly ask to take the necessary amount from it. Do not leave your card out from your sight. It is the access to your money;
• Never sign more then 3 slips upon conducting the payment by means of imprinter (without POS terminal). The signature on slip is your agreement to write off the noted amount from your account. You have to sign 3 slips – 1-st will stay at the merchant, 2-nd will be sent to bank, 3-d will remain at you as the confirmation of the made transaction;
• Never sign the slip without the transaction amount. Signed slip is the authorization to write off the money in the limits set on your account;
• Having signed the slip please fill the blanket spaces and you will not lead the cashier into temptation to write off something more and safe your self from the unexpected writings-off from your card account;
• If the slip was made with mistakes do not hesitate to ask for its cancellation and ask for the new one. In the opposite case the double amount will be write off from your account.

Safety technique upon payments conducting in the Internet:

• Try not to leave the personal information on the unknown sites;
• Try to avoid the “cheap” design sites with the information minimum, with non-compliance of the content to the declared business, with the presence of the wrong references and services and the entrance of the cards data on the shop site. Please have a look on the company location whom you are going to pay. If there is no address or it does not whet the trust please thing once more before payment does it worth it?
• Do not use the card linked to the account with the great amount for the Internet payment purposes. Azerigazbank Virtual Cards is the best solution for such kinds of payments because you may add the card account balance upon the necessity;
• Upon any doubts in non-authorized writings off from your card account , please address to bank . The money may be charged back upon the presence of the certain terms and circumstances.

Keep all the above recommendations and you will enjoy your Azerigazbank payment card. The responsibility for the hardships caused by the noted clauses disregarding and negligent card treatment will be shift on the cardholder.

Services package for those who acquire MasterCard plastic cards:

At the registration of MasterCard and Visa International plastic cards Azerigazbank offers to its clients insurance polis for the owners of Gold and Standard plastic cards of MasterCard international system for the covering of 19 risks from the accidents and medical expenses abroad Azerbaijan.