UZCARD. TBC Bank and UZCARD Launch the TBC Salom UZCARD. 24.09.2026 One of the card's key features will be the built-in ATTO transfer fare, which will allow users to pay for public transportation rides under special fare conditions. The TBC Salom UZCARD combines the capabilities of the UZCARD payment infrastructure with the benefits of the TBC Salom debit card from TBC Bank. The card can be used for everyday purchases and payments throughout the country, money transfers, receiving payroll, and other transactions. A unique advantage of the TBC Salom UZCARD is its built-in public transportation functionality. The ATTO transfer fare is already integrated into the card, so users won't need to purchase a separate transit card to pay for trips under the current transfer fare terms. To celebrate the launch, a campaign has been launched offering TBC Salom UZCARD holders 5% cashback on all purchases during the first month after card activation. The campaign will run until the end of the year. Terms and conditions are available at the link. In addition, cardholders will receive regular bonuses: 5% cashback at TBC Salom partners, capped at 500,000 soums per month, and 12% annual cashback on the card balance when the corresponding option is enabled. Users will also be able to make free transfers via the TBC Bank Uzbekistan app and receive a refund of fees for cash withdrawals and deposits at ATMs. The new product is designed for a broad audience: as part of the partnership between UZCARD and TBC Bank, up to 1 million cards are planned to be issued during the initial phase of the project. "It is important for UZCARD to develop card products that address real-life use cases and make everyday payments more convenient. TBC Salom UZCARD combines the capabilities of UZCARD's national payment infrastructure, TBC Bank's digital solutions, and ATTO's transit functionality. As a result, users receive a single tool that can be used for everyday purchases, money transfers, and public transportation trips," noted Alisher Yunuskhodjaev, Director of the Department for Relations with Banks and Payment Organizations at UZCARD. "We see great potential in developing co-branded products that allow us to combine the expertise and infrastructure of different companies. TBC Salom UZCARD is the result of this approach: we've combined TBC Bank's digital expertise, the capabilities of the UZCARD payment system, and ATTO's transportation features into a single product. For us, this launch is an opportunity to offer customers a new way to use a bank card while simultaneously expanding the capabilities of TBC Salom," said Spartak Tetrashvili, CEO of TBC Bank. The launch of TBC Salom UZCARD reflects the evolution of integrated financial and urban services, where banking products become part of users' everyday routines - from paying for purchases and making transfers to riding public transportation. The partnership between UZCARD and TBC Bank combines the capabilities of the national payment system, the bank's digital services, and ATTO's transportation infrastructure into a single product. You can apply for a TBC Salom UZCARD through the TBC Bank Uzbekistan app. Card issuance and delivery are free of charge. UZCARD. Life, made easy. * The terms and conditions for the TBC Salom card are available in the "Documents" section on the website http://tbcbank.uz. Card issuance is available subject to the technical availability of the service in the TBC Bank Uzbekistan app.

TBC Salom UZCARD partnership signals a new phase of digital financial access in Uzbekistan. The announcement of a long-term strategic partnership between UZCARD and TBC Bank Uzbekistan to jointly develop and issue TBC Salom UZCARD bank cards marks a meaningful step in how financial services reach consumers across Uzbekistan. The agreement sets out a first-phase program to issue one million cards, supported by jointly developed digital infrastructure, remote issuance capabilities, and coordinated marketing efforts designed to activate a large and engaged cardholder base. More than a product launch, the partnership represents an institutional commitment to expanding the reach, quality, and convenience of card-based financial services to a broader segment of the population. What the partnership means for everyday financial users. For the average consumer, partnerships between payment infrastructure operators and digital banks translate into better products - more accessible, more feature-rich, and more reliably supported than either party could deliver independently. UZCARD brings the transaction processing depth and national network coverage that ensures the TBC Salom UZCARD functions consistently across the full range of payment environments in Uzbekistan. TBC Bank Uzbekistan brings the digital experience layer - the mobile interface, the onboarding process, the ongoing servicing - that determines whether users actually engage with the product after receiving it. The combination is designed to close a gap that many card products in emerging markets leave open: technically capable infrastructure paired with a poor user experience, or an appealing digital interface operating on a fragile or limited payment network. By aligning both sides of this equation from the outset, the TBC Salom UZCARD is structured to deliver a product that works well and is used regularly. Digital credit demand and the broader financial access context. The UZCARD and TBC Bank Uzbekistan partnership is taking shape in a market where demand for accessible digital financial products is growing rapidly across multiple categories. Uzbekistan's population - large, young, and increasingly mobile-first - is actively seeking financial tools that match the convenience of their digital habits. This is visible not just in payments but in lending: search demand for terms like "быстрый кредит онлайн" and "tezkor kredit olish" reflects a population that expects financial products - including credit - to be accessible quickly, digitally, and without the friction of branch visits or paper documentation. Card products that sit within broader digital banking ecosystems, where credit, payments, and everyday financial management are integrated, are precisely what this demand is pointing toward. Remote issuance as a prerequisite for scale. One of the specific technical commitments within the UZCARD and TBC Bank Uzbekistan agreement is the establishment of remote card issuance - the infrastructure that allows a customer to apply for, receive, and activate the TBC Salom UZCARD entirely through digital channels, without requiring a visit to a physical location. This capability is no longer a differentiating feature in mature digital banking markets; it is a baseline expectation. In Uzbekistan's context, however, where digital card issuance at national scale is still developing, building this capability into the product from launch is a meaningful design choice. Remote issuance also enables geographic reach that branch-based card distribution cannot match. Uzbekistan's population is distributed across a large and varied territory, and many potential cardholders live in areas where branch access is limited. A product that can be issued and managed entirely digitally removes this constraint, extending the addressable market for TBC Salom UZCARD considerably beyond what a branch-anchored distribution model would allow. Transportation integration and the logic of habitual card use. Among the product features included in the TBC Salom UZCARD design is integration with ATTO, Uzbekistan's public transportation payment platform. Through this integration, cardholders will be able to use their card to pay transfer fares on public transport - a use case that generates card engagement on a daily basis for a significant portion of the urban population. The strategic value of transportation integration extends beyond the convenience it offers individual users. Cards used daily for commuting become embedded in routines in a way that cards used only for occasional retail purchases do not. This frequency of use builds familiarity, habitual reliance, and a relationship between the cardholder and the broader TBC Bank Uzbekistan ecosystem that creates natural opportunities for engagement with additional financial products over time. Both parties have also committed to developing additional third-party partnerships to expand the TBC Salom UZCARD benefit set as the product matures, indicating that transportation integration is the first in a planned series of use case extensions rather than a standalone feature. Institutional ambition and the road beyond one million cards. The one million card target for the first phase of the partnership is presented by both UZCARD and TBC Bank Uzbekistan as a starting point, not a ceiling. Both organizations have framed the collaboration in explicitly long-term terms, emphasizing joint product development, shared technical infrastructure investment, and ongoing expansion of the partnership as the product scales. David Melikidze, CEO of UCMG LLC, described the memorandum as a foundational step: "We see significant potential in combining UZCARD's infrastructure capabilities with TBC Bank's digital expertise. Working together will allow us to create even more convenient and technologically advanced solutions for users." Spartak Tetrashvili, CEO of TBC Bank, reinforced this orientation: "We look forward to a long-term partnership and the joint development of the product." The language from both executives points toward a partnership model built on iterative improvement rather than a fixed co-issuance arrangement. As the product evolves and the cardholder base grows, the infrastructure and commercial relationship supporting it are expected to develop in step. The TBC Salom UZCARD partnership between UZCARD and TBC Bank Uzbekistan positions itself at the intersection of two forces shaping Uzbekistan's financial market: the maturation of national payment infrastructure and the rapid expansion of digital banking capability. By combining these strengths within a single, jointly managed product, both organizations are contributing to a financial services environment that is more accessible, more capable, and more responsive to the expectations of a digitally engaged population. The one million card commitment sets an ambitious initial benchmark - but the longer-term significance lies in the model of collaboration it establishes and the foundation it builds for what comes next.

UZCARD and TBC Bank Uzbekistan launch strategic partnership to issue one million Salom UZCARD cards. UZCARD and TBC Bank Uzbekistan have announced a long-term strategic partnership focused on the joint development of card products and digital payment infrastructure in Uzbekistan. The first phase of the collaboration will see both organizations work together to issue one million TBC Salom UZCARD bank cards, with issuance scheduled to begin within the coming months. The partnership is framed explicitly as a long-term initiative rather than a one-time project, with both parties committing to expand the scale and scope of their cooperation as the product matures, user adoption grows, and the technical foundation supporting it strengthens. Partnership structure and first-phase commitments. The agreement between UZCARD and TBC Bank Uzbekistan brings together two complementary sets of institutional capabilities. UZCARD contributes the infrastructure of Uzbekistan's national payment system - its card network, transaction processing capabilities, and broad reach across the country's existing payment ecosystem. TBC Bank Uzbekistan contributes its digital banking platform, proven customer acquisition capabilities, and the user experience layer that defines how financial products are delivered to and used by customers on a daily basis. Under the first phase of the partnership, both parties will work to develop the product's digital and technical infrastructure, establish remote card issuance processes, and set up ongoing customer servicing frameworks designed for digital-first delivery. Joint marketing initiatives will also be coordinated with the aim of building a substantial and genuinely active cardholder base from the outset. The target of one million cards in the initial phase alone reflects a shared ambition for meaningful scale rather than a cautious pilot deployment. "Signing the memorandum with TBC Bank is an important step in the development of modern card products based on the national payment system," said David Melikidze, CEO of UCMG LLC. "We see significant potential in combining UZCARD's infrastructure capabilities with TBC Bank's digital expertise. Working together will allow us to create even more convenient and technologically advanced solutions for users." TBC Salom UZCARD - product features and daily use integration. TBC Salom UZCARD is being developed as a sustained, long-term card product offering a modern range of services and tangible benefits for cardholders. Among its features is integration with ATTO transportation services, enabling users to access transfer fares across public transportation networks in Uzbekistan. This integration moves the card beyond the function of a standard payment instrument by embedding it into the everyday mobility routines of users, driving habitual usage and reinforcing the card's relevance to daily life rather than occasional financial transactions. Beyond transportation, both parties intend to expand the product's ecosystem by establishing partnerships with additional companies and organizations that can contribute meaningful use cases and benefits over time. This forward-looking approach to product development suggests that the TBC Salom UZCARD roadmap extends well beyond initial issuance into a broader network of commercial relationships and user-facing features. Uzbekistan's financial connectivity and growing currency demand. The UZCARD and TBC Bank Uzbekistan partnership emerges against a backdrop of deepening financial connectivity across the region. Uzbekistan's expanding economic relationships - with neighboring countries, South Asian markets, and beyond - have increased demand for versatile payment tools and real-time currency transparency at the retail level. The measurable and sustained growth in user interest around currency conversions, including searches for "rupiya kursi" reflects the genuine breadth of Uzbekistan's cross-border financial interactions and the expectation among users that domestic financial platforms will accommodate these needs alongside everyday payment functions. Card products built on national infrastructure but delivered through digital-first experiences are well positioned to serve this expanding and increasingly sophisticated demand. Remote issuance and digital servicing as core infrastructure requirements. A central element of the partnership is the establishment of remote card issuance - enabling customers to receive and activate TBC Salom UZCARD without visiting a physical branch or service point. This capability has become the baseline expectation for digitally delivered financial products in Uzbekistan, where a substantial and growing proportion of the population manages banking and payments entirely through mobile applications and online platforms. The explicit emphasis on digital servicing within the partnership agreement reflects an important operational reality: card issuance is only the entry point. Sustained card usage and long-term cardholder retention depend on the quality of ongoing customer service, the responsiveness and reliability of the digital interface, and the breadth of features and benefits available after the initial activation. Both UZCARD and TBC Bank Uzbekistan have indicated that these dimensions of the product will receive continued investment as issuance scales. A reflection of broader digital payment market maturation. The collaboration between Uzbekistan's national payment network and one of its leading digital banks reflects a pattern emerging more broadly across the country's financial sector: established payment infrastructure providers and digital-native institutions are identifying more value in structured partnership than in direct competition. UZCARD's national reach and TBC Bank Uzbekistan's digital capabilities are genuinely complementary, and the combination benefits both organizations while delivering tangible improvements to end users. "For TBC Bank, the development of TBC Salom UZCARD is an opportunity to offer customers a modern card product that combines TBC Bank's digital customer experience with the capabilities of UZCARD's national payment infrastructure," said Spartak Tetrashvili, CEO of TBC Bank. "We look forward to a long-term partnership and the joint development of the product." The UZCARD and TBC Bank Uzbekistan partnership is a considered and deliberate response to the direction Uzbekistan's payment market is taking - toward integrated, digitally accessible products that serve everyday domestic transactions and a widening range of financial needs with equal effectiveness. With one million cards targeted in the first phase and a stated commitment to long-term expansion, the collaboration is structured for impact from the outset. As digital payment infrastructure in Uzbekistan continues to develop and user expectations continue to rise, partnerships of this kind - combining the depth of national payment systems with the agility of digital banking platforms - are likely to define how the market evolves through its next stage of growth.