# Tez — bankdan ko‘ra ko‘proq — Keshbekli kredit karta > Mobile banking app offering credit cards, cashback, and commission-free payments. (iPhone/iPad app by АКБ "Хамкорбанк".) - Source: https://appshunter.io/ios/app/tez-bankdan-kora-koproq/id6747576859 (this page in markdown: same URL + `.md`) - Developer: [АКБ "Хамкорбанк"](https://appshunter.io/developer/1219223014) - Category: Finance, Business - Price: Free - Rating: 4.60/5 from 32 App Store ratings · 2 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 299 MB - Languages: Russian, Uzbek - Released: 2025-10-29 - Data updated: 2026-08-29 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/tez-bankdan-kora-koproq/id6747576859/reviews.md ## What is Tez? Tez - bankdan ko‘ra ko‘proq! Endi barcha xizmatlar smartfoningizda - navbatlarsiz, qog‘ozbozliksiz va yashirin to‘lovlarsiz. Biz ortiqcha narsalarni olib tashlab, qulay kredit karta, keshbek va to‘lovlarga ega bo‘lgan sodda mobil ilovani yaratdik. ▶Bepul kredit karta: • Kredit, shaxsiy mablag‘lar, keshbek va to‘lovlar uchun yagona VISA kartasi • Ilovada atigi 1 daqiqada rasmiylashtiriladi • Rasmiylashtirish, yetkazib berish va xizmat ko‘rsatish – barchasi bepul • Shaxsiy mablag‘laringizni saqlash evaziga qo‘shimcha foiz olasiz ▶ Kredit limiti 50 000 000 so‘mgacha: • 62 kungacha kreditdan foizsiz foydalanish imkoniyati • Ilovada bir necha daqiqada rasmiylashtiriladi • Kredit bo‘yicha qaror ilovada ro‘yxatdan o‘tish paytida darhol beriladi ▶ Xazina yillik 12% bilan: • Foizlar har oy hisoblanadi va jamg‘armangizni oshiradi • Avtomatik qoidalar pulni sezilmasdan jamg‘arishga yordam beradi • Mablag‘lar O‘zbekiston Respublikasi Depozitlarni kafolatlash jamg‘armasi tomonidan sug‘urtalangan • Jamg‘armani istalgan vaqtda — to‘liq yoki qisman yechib olish mumkin ▶Komissiyasiz to‘lovlar va o‘tkazmalar: • Telefon raqami yoki karta orqali pul o‘tkazmalari • Kommunal xizmatlar, mobil aloqa, jarimalar va davlat xizmatlari to‘lovlari ▶Kartani bepul to‘ldirish: • Boshqa bank kartalaridan — komissiyasiz • Bankomatlar va terminallar orqali — komissiyani keshbek shaklida qaytaramiz ▶10% gacha keshbek: • Tez kartasi bilan xarid qiling va xarajatlaringizni 10% gacha qaytaring • Keshbek xaridlar amalga oshirilishi bilanoq hisobingizga tushadi • Bizning keshbek - bu ball yoki bonuslar emas, balki haqiqiy puldir ▶Tez o‘ziga xos xususiyatlari: • Shake to pay: pul jo‘natish uchun smartfoningizni shunchaki silkiting • To‘lovlarga munosabat: "rahmat" yoki "pul keldi" deyish o‘rniga emoji yuboring • Pul o‘tkazmalariga oluvchini tabriklab, chiroyli tabriknoma qo‘shish mumkin • Kontaktlar ro‘yxatidagi do‘stlar bilan, masalan, restoranda umumiy hisobni bo‘lib to‘lash mumkinligi • Mamlakatlar bo‘yicha xarajatlarning qulay tahlili, tushunarli grafiklar, to‘lovlarga teglar va eslatmalar • Karta sozlamalarining qulayligi: PIN-kodni o‘zgartirish, limitlarni o‘zgartirish, kartani bloklash, ko‘chirma olish va boshqa ko‘p narsalarni ilovada bir necha soniyada bajarish mumkin ▶Tez kartasini olish oson: 1. Ilovani yuklab oling 2. Oddiy ro‘yxatdan o‘ting 3. Kartani bepul yetkazib berishga buyurtma bering Tez ilovasini yuklab oling - bankka tashriflar, navbatlar va qog‘ozbozlikni unuting. Barchasi oson, shaffof va onlayn! ## Key features - Free credit card with cashback - Up to 50,000,000 UZS credit limit - Interest-free credit up to 62 days - Commission-free payments and transfers - Free card top-ups - Up to 10% cashback - Shake to pay feature ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/tez-bankdan-kora-koproq/id6747576859/reviews.md ### 5/5 — Пожалела что не установила раньше *2026-06-16* Я редко пишу отзывы, но эта программа имеет столько возможностей, столько денег я сэкономила благодаря кэшбекам и беспроцентным переводам. Карта просто бомба, и она бесплатная. Просто вау. Спасибо вашим создателям! **Developer response:** Вас приветствует Tez, Malinaka. Благодарим вас за такой приятный и вдохновляющий отзыв! Нам искренне приятно слышать, что вы высоко оценили функционал приложения, а также удобство бесплатных переводов и выгоду от кэшбека. Спасибо, что выбрали нас! Мы продолжим развивать сервис и радовать вас новыми возможностями. ✨ ### 5/5 — 👍🏻 *2026-02-09* Мне очень понравился сервис. Новый опыт. Хорошие условия😁. Вкусные кэшбеки ## Frequently asked questions about Tez ### How do I get a Tez card? Download the Tez app, complete a simple registration, and order your card for free delivery. The entire process is designed to be quick and paperless. ### What is the credit limit for Tez? Tez offers a credit limit of up to 50,000,000 UZS. You can enjoy interest-free usage of this credit for up to 62 days. ### How does the cashback work with Tez? You can earn up to 10% cashback on purchases made with your Tez card. This cashback is credited to your account as real money immediately after the purchase. ### Are there any fees for payments and transfers with Tez? No, Tez offers commission-free payments and transfers. You can send money via phone number or card, and pay for utilities, mobile services, fines, and government services without extra charges. ### Does Tez have ads? Yes, Tez contains advertisements. As a free service, it is supported by ads to provide its features to users. ### What unique features does Tez offer? Tez includes features like 'Shake to pay' for quick money sending, sending emojis as payment reactions, adding greetings to transfers, splitting bills with friends, and detailed expense analysis with charts and tags. ### How secure is Tez? While specific security measures are not detailed, the app is developed by АКБ "Хамкорбанк" and offers features like PIN code changes, limit adjustments, and card blocking directly within the app for user control. ### How often is the Tez app updated? The latest version of Tez is 1.111.15, and it was last updated on March 23, 2026. This indicates regular updates to improve functionality and security. ## Version history (last 5 releases) ### 1.122.37 — 2026-08-28 XAZINA Katta miqdorda mablag' to'plashning oddiy usuli. Avtoto'ldirishni sozlang — va byudjetingizga sezilmaydigan holda tejang. Foizlarni yo'qotmasdan istalgan vaqtda pul yeching. ### 1.122.33 — 2026-08-26 XAZINA Katta miqdorda mablag' to'plashning oddiy usuli. Avtoto'ldirishni sozlang — va byudjetingizga sezilmaydigan holda tejang. Foizlarni yo'qotmasdan istalgan vaqtda pul yeching. ### 1.121.44 — 2026-08-23 XAZINA Katta miqdorda mablag' to'plashning oddiy usuli. Avtoto'ldirishni sozlang — va byudjetingizga sezilmaydigan holda tejang. Foizlarni yo'qotmasdan istalgan vaqtda pul yeching. ### 1.121.24 — 2026-08-17 XAZINA Katta miqdorda mablag' to'plashning oddiy usuli. Avtoto'ldirishni sozlang — va byudjetingizga sezilmaydigan holda tejang. Foizlarni yo'qotmasdan istalgan vaqtda pul yeching. ### 1.119.33 — 2026-07-23 XAZINA Katta miqdorda mablag' to'plashning oddiy usuli. Avtoto'ldirishni sozlang — va byudjetingizga sezilmaydigan holda tejang. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*