Pulkart

PulKart is a debit card linked to your account, designed for using your personal funds.

With this card, you can withdraw cash at ATMs both domestically and abroad, make purchases at POS terminals, and shop online. When you pay at the World Member Retail Facilities, you earn rewards points, which can be redeemed for purchases at the World Member Retail Facilities. Additionally, PulKart cardholders can participate in exclusive promotional campaigns.

PulKart Features

Card Fee

The cost of PulKart is 5 AZN.

If you request PulKart when applying for a Worldcard, it will be provided free of charge.

Card Activation

PulKart will be sent inactive for security reasons. To activate the card, you must call the Yapı Kredi Contact Center at *0444.

SMS Alerts

Starting from October 1, you can receive SMS notifications about all incoming and outgoing transactions on your account, both domestically, internationally, and online. With an active SMS package, your mobile device will receive notifications for every transaction when funds are credited to or debited from your account. SMS packages are available for 6 or 12 months: the 6-month package costs 5 AZN, and the 12-month package costs 10 AZN. For more detailed information about this service, please visit www.worldcard.com.az or contact the Yapı Kredi Contact Center at *0444.

Fees and Card Prices

Card price for individuals	5 AZN
Card price for legal entities	25 AZN
Cash withdrawal fee at Yapı Kredi Bank ATMs	0 AZN (except for salary payments; for cash withdrawals of funds credited to the account non-cash, the fee is 0.6 %)
Cash withdrawal fee at other ATMs	2%+1 AZN
Cash withdrawal fee at ATMs abroad	2%+1$
Fee for sending PIN code	2 AZN
6-month SMS package	5 AZN
Annual SMS package	10 AZN

HÖP Payments (Public Payments Portal) — 0.5 % (minimum 0.40 AZN)

Card-to-Card (C2C) Transfer Operations
For Pulkart:
Transfers to cards issued by Yapı Kredi Bank Azerbaijan	no fee applies
Transfers to cards of other domestic banks	up to 5,000 AZN — no fee; above 5,000 AZN — 1% (min. 1 AZN).
Transfers made through third-party applications, excluding the YapıKrediBank mobile app, or similar systems (to the cards of all banks including YapıKrediBank)	1% (min. 1 AZN)

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