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Credit Cards in Tajikistan
VISA, Mastercard, HUMO — choose a card with cashback and grace period
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Credit Cards
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Humo Bank
Visa Gold
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Debit card
TJS
Increased 3% cashback on purchases from partners and up to 12% discounts on hotel bookings via Agoda
International Visa Gold card for business, shopping and travel worldwide
Oriyonbank
Visa Platinum
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Debit card
TJS
Free airport lounge access via DragonPass (twice a year) through the Visa Airport Companion app; full international travel insurance
Worldwide discounts via Visa Premium program; daily cash withdrawal limit — 5,000 USD at ATM and POS; multi-currency account USD/TJS/EUR
Alif Bank
Visa Gold
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Debit card
TJS
First card is free, first year service 0 somoni; free delivery and SMS notifications
Multicurrency TJS/USD/RUB; Visa Direct transfers to 190+ countries; free cash withdrawal at Alif ATMs
Dushanbe City Bank
Visa Gold
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Debit card
TJS
Issued in 5 minutes with passport only; free ATM cash withdrawal up to 5,000 somoni per month
Visa Direct — transfers up to 150,000 somoni per transaction to 190+ countries; payWave and 3D Secure
Spitamen Bank
UPI Classic / Korti Milli Card
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Debit card
TJS
Free maintenance for up to 5 years
Fee-free ATM cash withdrawals within Tajikistan
Investment and Credit Bank of Tajikistan
Visa Platinum
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Debit card
TJS
Platinum status unlocks access to extended privileges and exclusive Visa offers worldwide
Supports Google Pay and payWave contactless technology for secure and fast payments
Bank Arvand
Arvand Payment Card
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Debit card
TJS
Available to both Tajikistan citizens and foreign nationals with temporary registration
Convenient account management via the Arvand mobile app — payments, transfers, currency conversion
Alif Bank
Visa Platinum
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Debit card
TJS
2 free airport lounge visits via DragonPass; Agoda discounts up to 12%, Avis up to 20%; compensation up to $500 for flight delay
First year service is free; free with monthly spending of 500 somoni or more; free cash withdrawal at Alif ATMs
Alif Bank
Mastercard Platinum
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Debit card
TJS
First card is free, first year service 0 somoni; multicurrency TJS/USD/EUR; free delivery
Convenient payments in foreign countries; contactless payments; management in Alif app 24/7
Imon International Bank
VISA Gold
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Debit card
TJS
Accepted for payment worldwide in the Visa network
Premium Gold status with international-level privileges
Tawhidbank
Sabz Credit Card
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Credit card
TJSOnline
Islamic product with no interest — instead of a rate, a one-time annual fee (ujra) of 750 somoni is charged, no interest accrues on the balance
Ability to receive financing multiple times within the year after paying the one-time fee — subject to creditworthiness
Commerce Bank of Tajikistan
Visa Gold
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Debit card
TJS
Accepted at tens of millions of merchant locations and over 2 million ATMs worldwide
Multicurrency account USD/TJS/EUR/RUB; manage via FAVRI mobile app
Vasl Bank
Visa Gold
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Debit card
TJS
Premium Gold status with higher transaction limits
Free cash withdrawal at Vasl Bank ATMs
Freedom Bank Tajikistan
Freedom card Standard
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Debit card
TJS
Completely free card: issuance, maintenance and home delivery — 0 somoni
Multicurrency TJS/USD/EUR card with up to 10% cashback at bank terminals and 3% at partners
Development Bank of Tajikistan
Korti Milli
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Debit card
TJS
Card accepted throughout Tajikistan at ATMs and merchants of the Korti Milli network
Ideal for everyday transactions and receiving money transfers within the country
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Debit card
TJS
Card is accepted throughout Tajikistan at ATMs and merchants of the Korti Milli network
Can be used for receiving salary within payroll projects
Activ Bank
Korti Milli
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Debit card
TJS
Free card opening and maintenance
Fee-free ATM withdrawal limit increased to 50,000 somoni per month
Eskhata Bank
Visa Gold Card
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Debit card
TJS
First year maintenance is free; from year two — 3 TJS/month or free with 200+ TJS/month in non-cash payments; no insurance deposit required
3% p.a. interest on card balance; automatic currency conversion when paying abroad; accepted worldwide
How to choose a credit card in Tajikistan?
What to look for
Compare the grace period, interest rate and annual fee. Cards with cashback are beneficial for regular purchases.
Cashback and bonuses
Many banks in Tajikistan offer up to 5% cashback on categories. Check the accrual and withdrawal conditions for bonuses.