Spend up to 100% of your salary by card, even before your salary arrives.
Your RTB Hazhmari Mn Credit Card gives you access to money from RTB for everyday purchases. Use the card to pay directly at shops while waiting for your salary.
For eligible My Account public sector employees earning at least IQD 1,000,000 per month.
How the card works
Money available through your card
RTB lends you an amount linked to your monthly salary. You use your My Account Credit Card to pay for groceries, household shopping and other everyday purchases directly at shops.
Available amount
See how much you can use
| Your monthly salary | Amount available through your card |
|---|---|
| IQD 1,000,000 to IQD 2,000,000 | 50% of your monthly salary |
| More than IQD 2,000,000 | 100% of your monthly salary |
Customers earning less than IQD 1,000,000 per month are not eligible. Card issuance and the available amount are subject to RTB approval.
Automatic deduction and fee
- Automatically deducted on the 21st
The amount you spend is automatically deducted from your salary account on the 21st of each month. No branch visit is needed for this deduction.
Card issuance fee: IQD 75,000
A monthly interest rate of 2.75% applies to any unpaid balance after the first month.
Register your interest
Leave your details so the RTB team can contact you about the My Account Credit Card.