AVO Bank review

The annual fee is UZS 27,000, borrowing costs an APR of 27.9% to 74.9%, and a currency conversion fee of 3% applies when you pay in another currency. It is a credit card, so you repay a balance rather than spending from a deposit. Cashback of 1% comes back on purchases.

Rewards are cashback. Every purchase earns 1%, and the first purchase paid from credit funds is rewarded in full up to a cap. Bonuses convert to cash at a stated rate, a minimum balance is needed before they can be redeemed, and they expire after a set period.

The Mastercard payment system, 45 day interest free purchase period (30 days purchases plus 15 days repayment) and Credit limit up to 100,000,000 UZS include an interest-free purchase period built from a purchase window and a longer repayment window, and free early repayment on the balance. Interest starts to run once the repayment window closes on a purchase, so clearing the balance inside the period costs nothing.

AVO Bank is licensed by the Central Bank of the Republic of Uzbekistan, licence 83. The legal entity is AO AVO bank and it is headquartered in Uzbekistan. The card itself runs on the Mastercard payment system.

The card runs on the Mastercard payment system, so it is accepted wherever Mastercard cards are taken. The Mastercard payment system, 45 day interest free purchase period (30 days purchases plus 15 days repayment) and Credit limit up to 100,000,000 UZS list card-issue ATMs in Uzbekistan for handling the card without a branch visit, and free balance inquiry in the AVO app and at AVO ATMs.

Virtual card issuance is free, as is secure online payment verification on the card. The Mastercard payment system, 45 day interest free purchase period (30 days purchases plus 15 days repayment) and Credit limit up to 100,000,000 UZS list a free plastic card issued with a one-off payment that waives the service fee, so that charge applies once. Card blocking and unblocking sit in the app.

Support runs on phone, email and chat, so help is available by phone, email, chat and a help centre. Routine servicing such as blocking and unblocking the card, and checking a balance in the app or at an AVO ATM, needs no agent.

The Mastercard payment system, 45 day interest free purchase period (30 days purchases plus 15 days repayment) and Credit limit up to 100,000,000 UZS set out the credit limit available, and the card is a credit card, so you repay a balance rather than spending loaded funds. Cashback of 1% applies on purchases and early repayment is free.