Unlimited opportunities with the Umico Bonus loyalty program

Umico Bonus announces a major update and significant expansion of its loyalty program, designed to make every payment even more rewarding and convenient for our customers. Now, even more benefits for Birbank Umico cardholders, m10 app users, and Umico Market shoppers.

For Birbank Umico cardholders:

• There is now the option to select favorite spending categories in the Birbank app. This means that users can customize the loyalty program and earn increased cashback bonuses in Umico bonuses in the categories that matter most to them.
• Clients can increase their earnings from purchases in their favorite categories by completing simple tasks listed in the Umico section of the app. This month’s tasks include: spending over 50 AZN on Umico Market, maintaining a card balance of over 1000 AZN, purchasing groceries at Bravo for more than 20 AZN, QR payments, and others.

Thus, users can earn up to 19% cashback bonuses in Umico bonuses:

• up to 19% on purchases at Umico Market
• up to 14% on purchases at Trendyol
• up to 19% when paying for transportation with BakiKart in the Birbank app
• up to 10.5% in the “All purchases” category

This will make everyday spending more rewarding, returning a significant portion of purchases as bonuses that can be used to pay for utilities in the Birbank mobile app, purchases on Umico Market, and within the partner network.

For more information: https://cards.kapitalbank.az/en/BBUM/um/

For m10 app users:

Umico also has special offers for m10 users. For example, Umico Bonus is now fully integrated with the m10 app and has become its official loyalty program. This gives m10 users the opportunity to earn more bonus cashback on favorable terms.

All payments made via QR code in the m10 app give customers at least 2% cashback as bonuses, which makes using the app even more profitable. Users can also receive additional bonuses from favorite partners.

• When paying for mobile network, the Internet, utilities and other services via m10, you earn a bonus of up to 2%.
• To earn Umico bonuses, m10 users do not need to show a card or barcode - bonuses are automatically and immediately transferred to the Umico balance.
• m10 users can accumulate Umico bonuses and spend them at more than 10,000 retail outlets, pay for services in the app and transfer them to the main m10 balance.
• As part of the promo, customers can transfer their personal bonuses from the Umico balance to the m10 account. 1 bonus = 1 AZN.

Umico Market shoppers:

• Umico Market shoppers can not only earn up to 19% cashback bonuses on their purchases but also use their bonuses to pay for goods on the Umico Market platform. This loyalty program update provides customers with even more opportunities to use accumulated bonuses for future purchases.
• Bonuses accumulated through other Umico services, including Birbank and m10, can be used on Umico Market, making the loyalty program even more versatile and beneficial for users of all Umico ecosystem services.

Thus, Birbank, m10, and Umico now share a unified bonus balance, allowing customers to track the rewards earned through our services, including Birbank Umico card transactions and m10 payments.

These updates represent an important step in creating a seamless and more harmonious experience for all users, providing even more favorable conditions and broad opportunities for all ecosystem participants, creating new levels of connectivity and comfort.

The Umico Bonus loyalty program offers users a unique opportunity to maximize the benefits from their purchases and accumulated bonuses, and the new features and benefits make using Umico Bonus even more attractive and convenient.

Learn more about the new features and benefits of the program in the Birbank, m10, and Umico apps, where all the latest offers and details are available.

For more information: https://umico.az/live/umico-bonus-il-daha-cox-imkan/