“Umico Bonus” Loyalty Program Revamped

“Umico Bonus” Loyalty Program Revamped: Up to 19% Cashback for Birbank Umico Cardholders and New Opportunities for m10 and Umico Market Users

As of October 9, 2024, the "Umico Bonus" loyalty program has been completely revamped, presenting new opportunities for customers. Every purchase now translates to greater value and higher earnings for Birbank Umico cardholders, m10 users, and Umico Market customers.

Personalized Categories and Favorable Opportunities for Birbank Umico Cardholders: Birbank Umico card users can now select shopping categories in the Birbank mobile app according to their preferences and earn abundant cashback bonuses. To achieve this, users simply need to complete custom tasks in the "Umico" section. For example, completing October tasks—such as spending over 50 AZN on Umico Market, maintaining a card balance of over 1,000 AZN, spending over 20 AZN at the Bravo supermarket chain, or making QR payments—will unlock opportunities to earn even more cashback:

• Up to 19% on purchases at Umico Market
• Up to 14% on Trendyol purchases
• Up to 19% when using public transport via BakıKart
• Up to 10.5% in the "All Purchases" category

This makes customers' daily expenses more cost-effective, allowing a portion of their spending to be returned as bonuses. Accumulated bonuses can be used for utility payments within the Birbank app or for purchases on Umico Market and across the extensive partner network. For more information: https://cards.kapitalbank.az/az/BBUM/um/

Umico Bonuses Now Integrated into the m10 App: There are also special offers from Umico for m10 users. The "Umico Bonus" is now fully integrated with the m10 app, serving as its official loyalty program. This provides m10 users with the opportunity to earn more cashback bonuses under highly favorable conditions:

• All QR code payments made through the m10 app earn users a minimum of 2% cashback, making the app even more rewarding to use. Users can also earn additional bonuses at selected partners.
• Payments for mobile communication, internet, utilities, and other services via m10 earn up to a 2% bonus.
• m10 users do not need to present a card or barcode to earn Umico bonuses—rewards are automatically and instantly transferred to their Umico balance.
• Users can collect Umico bonuses and spend them at over 10,000 retail locations, pay for services within the app, or transfer them to their main m10 balance.
• As part of the campaign, customers can transfer their personal bonuses from their Umico balance to their m10 account at an equivalent rate of 1 bonus = 1 AZN.

New Shopping Opportunities with Umico Market Bonuses: Spending and earning on Umico Market is now easier than ever. Customers shopping on the platform can earn up to 19% in cashback bonuses and apply these rewards to future purchases. This update empowers customers to utilize their accumulated bonuses more efficiently.

A Unified Balance:Ultimately, Birbank, m10, and Umico services are now united under a single bonus balance. This seamless integration allows users to track and conveniently spend their earned bonuses all in one place. These innovations create more profitable conditions and broader opportunities, delivering a highly accessible and rewarding experience for all users across the ecosystem.