Unlock exclusive privileges, including discounts on hotels and airlines, free access to VIP airport lounges, and premium lifestyle experiences, designed for luxury and convenience.
Aghati Platinum Mastercard Card
Enjoy an exceptional lifestyle and a world of unlimited benefits offered to you by the Aghati Platinum Mastercard, with advantages and services that allow you to obtain the best possible value along with unparalleled saving opportunities.
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Purchase and gift electronic vouchers and recharge cards
The Agaty Platinum Mastercard is your ideal companion and an alternative to carrying cash in your wallet. You can use this card across the widest and most diverse commercial networks in the world, including hotels. It can also be used throughout Iraq, in shopping malls, retail stores, restaurants, fuel stations, and anywhere electronic payment methods are available, in addition to benefiting from the card services and value-added services as follows:
Online shopping and payments
Point of Sale (POS) payments
Cash withdrawal via ATMs
Money transfers
Funds can be withdrawn using the card from any ATM bearing the Mastercard logo inside or outside Iraq, or from any cash withdrawal agent authorized by Switch.
You can pay for purchases through POS devices available inside and outside Iraq while shopping in malls worldwide, in addition to retail stores, as well as making payments in hotels, restaurants, fuel stations, and many other places equipped with POS devices.
The card provides online shopping services by paying for purchases via the internet using the card on any e-commerce website or mobile application that accepts Mastercard payments.
The card provides online shopping services by paying for purchases via the internet using the card on any e-commerce website or mobile application that accepts Mastercard payments.
The service of transferring and receiving funds to and from Switch cards is available through the mobile application dedicated to Switch cardholders, in addition to the MoneyGram transfer service to send and receive remittances to any person worldwide through the application.
The service of purchasing electronic vouchers for online games and e-commerce platforms such as PUBG, Google Play, iTunes, Amazon, and others is available, in addition to mobile recharge cards, through the Switch application for cardholders. You can also directly recharge balances through safe, fast steps and competitive prices.
The Aghati Platinum Mastercard is distinguished by unlimited benefits that include security, ease of use, and travel advantages, adding an exceptional lifestyle experience for the cardholder in daily transactions.
In Case of Theft or Loss
When carrying the Aghati Platinum Mastercard, you no longer need to carry cash in your wallet. If your card is stolen or lost, you can immediately block it via the application or by contacting customer service and replace it through the Switch agent network.
Purchase Protection
Shop with confidence knowing that purchases made with the Aghati Platinum Mastercard are:
Protected against theft or accidental damage for up to 180 days from the purchase date
Insured up to USD 2,000 per claim, with a maximum of USD 5,000 over a 12-month period
In case of damage, you may receive a replacement product or compensation for the full value of the item according to the store receipt.
Simply visit mcpeaceofmind.com/tier to submit a claim online.
For more information, please visit mastercard.com/platinum.
Contactless Payments
Your card stays in your hand at all times, and transaction-specific encryption technology protects your personal data, reducing the risk of loss or fraud. Preventive measures also ensure that the amount is deducted only once if the card is accidentally tapped twice.
Tap to Pay
Use your contactless Mastercard or your device wherever you see the universal contactless symbol and pay more easily. This method is faster than cash payments and is widely accepted globally at retail stores, fast food restaurants, pharmacies, grocery stores, warehouses, and stations, including taxis and vending machines.
Airport Lounges
Every journey can be special. With the airport lounge program for Aghati Platinum Mastercard holders, you will certainly feel it.
Enjoy complimentary access to more than 25 regional and international lounges using your Platinum Mastercard.
Download the Mastercard Travel Pass app and present the QR code to the lounge reception staff.
Steps:
Download the Mastercard Travel Pass app
Securely register your Mastercard
Use the app to locate nearby lounges
Confirm free visit eligibility
Present the QR code at the lounge reception
Enjoy access to your lounge
Visit Cleartrip and book any international round-trip flight or hotel using your Aghati Platinum Mastercard and enjoy an 8% discount with promo code MCPLATINUM.
Simply book via Cleartrip.com/mastercard or the app and enter the promo code to receive the discount.
Use your Aghati Platinum Mastercard to book your next vacation with Booking.com and receive up to 10% cashback on over two million accommodations worldwide.
Steps:
Visit booking.com/mastercardmea
Log in or sign up
Choose from a wide selection of destinations and accommodations
Complete the booking using a valid Mastercard
Receive the reward after the stay
Terms and conditions apply. This offer is available only through the exclusive promotional link.
Enjoy an exclusive 10% discount on car rentals from Rentalcars.com when paying with your Aghati Platinum Mastercard.
How to Get the Discount
Visit the Mastercard page on Rentalcars.com via the “Book Now” button
Select your preferred car
Book and pay securely using your Mastercard
Receive the exclusive discount at checkout
The discount applies only through the designated link and cannot be combined with other offers. Taxes, fees, additional charges, and optional extras are excluded. Canceled or unused bookings are not eligible. Standard Rentalcars.com terms apply.
Car Rental with Avis
Whether you are traveling with your family or on a business trip, enjoy exclusive benefits with Avis. With your aghati Platinum Mastercard, you can now enjoy the following:
Up to 20% discount on your next car rental
Free upgrade with every booking worldwide
Simply visit avisworld.com/mastercardmea and use your Mastercard to book your car today.
The Priceless Cities program offers a unique collection of thousands of exclusive offers and experiences designed specifically for Mastercard cardholders in more than 40 cities and countries worldwide. From dining offers to travel and entertainment experiences, enjoy exclusive access to benefits that will enhance your experiences whether in your home city or while traveling.
For more information, visit priceless.com, log in, and choose the city that interests you.
European Shopping Villages Offers
The Bicester Village Collection is distinguished by its luxury brands, charming open-air village atmosphere, excellent friendly service, and special events program, in addition to exceptional value for money.
Leading global brands offer discounts of up to 60% or more on recommended retail prices in their luxury stores throughout the year.
Holders of switch Platinum Mastercard cards can enjoy:
A VIP invitation (redeemable for a VIP Card providing an additional 10% discount on purchases at participating stores)
15% discount on shopping packages
15% discount on chauffeur-driven experiences in participating villages
15% discount on “Shopping Express” bus tickets
Access to VIP lounges (subject to availability)
All this and more is available at the following villages:
Bicester Village – London, United Kingdom
Fidenza Village – Milan, Italy
Ingolstadt Village – Munich, Germany
Kildare Village – Dublin, Ireland
La Roca Village – Barcelona, Spain
Las Rozas Village – Madrid, Spain
La Vallée Village – Paris, France
Maasmechelen Village – Brussels, Belgium
Wertheim Village – Frankfurt, Germany
Visit thebicestervillageshoppingcollection.com/mastercard-mea and enjoy the available offers.
Book a car with Careem and enjoy having a personal driver to take you wherever you want. Choose the car type that suits your taste and enjoy a comfortable journey, with the option to book immediately or schedule for later.
With your aghati Platinum Mastercard, you can now enjoy a 20% discount on up to 3 rides per month when traveling across Middle Eastern countries.
To activate the discount for up to 3 rides per month, please enter the promo code MASTERCARD when booking.
Shop from over 100,000 retail websites in the United States, including Apple, Amazon, and Ralph Lauren, and enjoy fast, reliable international shipping at lower costs with MyUS, the leading company in the shipping sector, having shipped over ten million packages since 1997.
As an aghati Platinum Mastercard holder, you will receive the following benefits:
A MyUS address to use when checking out on your favorite online shopping websites
Free Premium membership for two full years (valued at USD 120)
Free account creation (valued at USD 20)
30% discount on shipping during the first month after registration
30% discount on shipping for the remaining membership period of two years
Simply visit myus.com/welcome/Mastercardpremium and use your aghati Platinum Mastercard when registering.
switch Application
The application provides a fast and secure way to check your account balance and view all ongoing transactions on your cards directly from your mobile phone. You can also transfer funds, pay bills, top up mobile and internet credit, and purchase electronic vouchers within minutes at any time, in addition to many other services.
Download the App
You can download the switch app for free from Google Play or the App Store and enjoy all application features using your phone.
Register a switch Account
Register your card and the phone number used to activate the card, along with your other details, to activate your switch account the first time you log into the app.
Login
You can log in using your username and password and enjoy all electronic services from your phone.
SMS and Mobile Notifications Service
You will receive instant notifications and messages via mobile phone or the switch app to keep you informed of card activities. When traveling, ensure that international roaming is activated to receive notifications.
Overview of Card Information and What It Represents
Card Number: A 16-digit number located on the front of the card
Expiry Date: The card’s expiration date located on the back of the card
CVC: A three-digit security code located on the back of the card
The PIN is the code used at ATMs to withdraw cash and make payments through POS devices.
When purchasing a product or service online, the website will ask the cardholder to enter the following details:
Card number
Expiry date
CVC
Then proceed with the payment.
If the website is subscribed to the 3D Secure service, you will receive an SMS containing a one-time password to be entered in the designated field to complete the transaction.
Present the card to the merchant at the payment point
The merchant inserts the card into the payment device and enters the purchase amount
The card remains in the device until the transaction is approved
You will be asked to enter your PIN, after which the transaction is approved
The merchant returns your card along with the sales receipt
Keep the receipt until the transaction appears on your account statement
The purchase is now complete, and the amount will be deducted from your main linked account
You will receive an SMS with payment details and can view full transaction details via the switch app
Insert your card into the ATM
Enter your PIN
Select the withdrawal amount
Ensure you take the cash and card before leaving the ATM
You may print a receipt
You will receive an SMS with transaction details and can review all movements via the switch app
You can reload the card through switch agents or switch service centers located throughout Iraq.
Provide the agent with the amount you wish to load
Provide your phone number and the last 4 digits of the card
You will receive an SMS confirming the transaction
You can review all transactions via the switch app
To dispute any transaction made on your card, please visit any company agent or the website and fill out the dispute form.
Terms and Conditions for Prepaid Mastercard Cards
Important Notice:
Please read the following terms and conditions carefully and thoroughly before using your aghati Platinum Mastercard, which is owned by Switch (Iraq Electronic Gateway for Financial Services).
These Terms and Conditions (“Terms and Conditions”) constitute the agreement entered into between Iraq Electronic Gateway for Financial Services, operating under the trade name switch (“the Company”, “we”), headquartered in (Baghdad – Al-Jadriya – Al-Jamia District), and licensed by the Central Bank of Iraq under License No. (4), and you as the cardholder (“you”, “cardholder”, “customer”).
You acknowledge that the aghati Platinum Mastercard is a prepaid card (“Prepaid Card”) owned by the Company (“aghati Platinum Card”), and you must protect it from loss, theft, or illegal use, as it represents a personal cash wallet. You are the cardholder and the rightful owner of the card, and the name associated with it belongs to you. By purchasing and/or starting to use the card, you agree to these Terms and Conditions.
1.1 You may not own more than one active card.
The currency of the aghati Platinum Card is the Iraqi Dinar. The card may be multi-currency if such an option is made available by the Company.
1.2 The aghati Platinum Card provides purchase services, bill payments through POS devices, cash withdrawals including ATM withdrawals, transfers to and from the card, and card reloading services.
2.1 You are required to provide us with personal information, documents, and any other required details to complete the registration and subscription process, including the “Know Your Customer (KYC)” form. Such information must be accurate, correct, and not misleading.
2.2 You irrevocably authorize and permit the Company to disclose and provide the information submitted by you to regulatory authorities, affiliated and allied companies, and related parties (including consultants, any third party, and marketing partners).
In the event your aghati card is lost, stolen, damaged, or misused, you must immediately contact the Company’s Customer Service Center, which is available to customers 24 hours a day, 7 days a week, at +9647904100000, or immediately suspend the card through the switch application.
4.1 You acknowledge and agree that your use of the aghati card must comply with the applicable legislation in the Republic of Iraq, and that all authorized transactions comply with any regulations or instructions issued by the Central Bank of Iraq and Mastercard International. You confirm that you are aware of such regulations and that you may not use your aghati card for any fraudulent or suspected fraudulent transactions, or to purchase illegal goods or services, or for transactions that violate public order or morals, or that contravene applicable laws, including those related to money laundering, terrorist financing, suspicious transactions, or transactions that may harm the brand of Iraq Electronic Gateway for Financial Services (switch) or the Mastercard brand.
You agree that the Company has the right to monitor transactions conducted on the aghati card and to take any actions it deems appropriate at its sole and absolute discretion, in compliance with applicable law and/or instructions of the Central Bank of Iraq and/or Mastercard International. You shall bear full financial and legal responsibility arising from any such transactions.
4.2 We shall not be liable for any failure to complete any transaction or any unsuccessful transaction if there are insufficient funds stored on your aghati card, if the system is interrupted or malfunctioning, if circumstances beyond our control prevent completion of the transaction, or if the merchant authorizes an amount greater than the purchase amount.
4.3 To the extent permitted by law, you shall indemnify us against any losses or damages we may suffer or incur due to any claim, request, financial demand, or legal action of any kind, whether direct or indirect, arising from:
(a) your failure to comply with these Terms and Conditions, or
(b) your negligence or fraudulent conduct in relation to these Terms and Conditions.
4.4 To the extent permitted by law, we shall not be liable to you for any loss or damage (whether direct or consequential), nor shall we be limited by these Terms and Conditions, resulting from failure to perform any of our obligations for reasons beyond our reasonable control. Such reasons include, but are not limited to, acts of God, natural disasters, acts or negligence of governments or governmental authorities, industrial strikes, fires, floods, storms, riots, power shortages or failures, sudden system breakdowns due to war or sabotage, or acts or negligence of third parties.
You may use the aghati Platinum Mastercard to conduct a wide range of transactions locally or while traveling, including shopping at all merchants that accept the Mastercard brand, paying bills, electronic fund transfers, paying subscription fees, making flight reservations, and many other services. The card provides the highest levels of security through the use of your personal PIN and reduces risks associated with card forgery, fraud, electronic hacking, and other threats.
The aghati card remains valid until the expiration date printed on it, except in cases where the Company suspends or deactivates the card due to its association with suspicious transactions. In such cases, the Company shall cancel the aghati card and freeze its balance without any prior notice or warning to the cardholder, and shall take the actions it deems appropriate in accordance with the instructions, regulations, and laws of the Central Bank of Iraq and/or Mastercard International.
Reloading means depositing additional amounts onto the card, not exceeding the permitted limit and within the restrictions outlined in Clause 8 below. Reloading transactions may be carried out through the Company’s agent centers or via transfer from another card.
8.1 The Company shall apply the following fees, which shall be deducted from the card balance unless otherwise required.
Fees
| Fee | Amount / Details |
|---|---|
| System top-up commission fee | 0.5% (minimum 1,000 IQD – deducted automatically from balance) |
| Card top-up (recharge) fee by agent | Free |
| Balance inquiry fee via ATM | 1,000 IQD |
| Transfer fee between Switch cards | Free |
| App transfer fee via MoneyGram service | 5,280 IQD + 1% |
| Exchange rate on card from IQD to USD at purchase | 1 USD = 1,320 IQD (subject to Central Bank instructions) |
| Cash withdrawal fee from ATMs inside Iraq | 0.4% (maximum 1,000 IQD) |
| Cash withdrawal fee from ATMs outside Iraq | 3.75% + 2,500 IQD |
| Purchase fee via POS inside Iraq or local websites | Free |
| Card usage fee outside Iraq or on international websites | 0.252% (minimum 350 IQD) |
| Card usage fee outside Iraq (United Arab Emirates) | 0.253% (minimum 350 IQD) |
| Card usage fee outside Iraq (Arab Republic of Egypt) | 0.253% (minimum 350 IQD) |
| Card management fee if not used for 30 days | 1,000 IQD |
Conversion limits
| Amount (IQD) | Description |
|---|---|
| 20,000,000 IQD | Maximum card limit |
| 20,000,000 IQD | Maximum daily card top-up limit |
| 20,000,000 IQD | Maximum monthly card top-up limit |
| 20,000,000 IQD | Maximum monthly card transactions inside Iraq |
| 5,000,000 IQD | Maximum monthly card transactions outside Iraq |
| 500,000 IQD | Maximum transfer between Switch cards per transaction |
| 4,000,000 IQD | Maximum monthly transfer via MoneyGram service |
| 3,000,000 IQD | Maximum weekly transfer via MoneyGram service |
| 2,000,000 IQD | Maximum monthly transfer between Switch cards |
| 2,000,000 IQD | Daily cash withdrawal limit from ATMs inside Iraq |
| 150,000 IQD | Daily cash withdrawal limit from ATMs outside Iraq |
| 10,000,000 IQD | Monthly cash withdrawal limit from ATMs inside Iraq |
| 1,500,000 IQD | Monthly cash withdrawal limit from ATMs outside Iraq |
| 20,000,000 IQD | Maximum POS purchase per transaction inside Iraq |
| 20,000,000 IQD | Maximum daily POS purchases inside Iraq |
| 20,000,000 IQD | Maximum monthly POS purchases inside Iraq |
| 500,000 IQD | Maximum POS purchase per transaction outside Iraq |
| 500,000 IQD | Maximum daily POS purchases outside Iraq |
| 5,000,000 IQD | Maximum monthly POS purchases outside Iraq |
| 20,000,000 IQD | Maximum online purchase per transaction inside Iraq |
| 20,000,000 IQD | Maximum daily online purchases inside Iraq |
| 20,000,000 IQD | Maximum monthly online purchases inside Iraq |
| 500,000 IQD | Maximum online purchase per transaction outside Iraq |
| 500,000 IQD | Maximum daily online purchases outside Iraq |
| 5,000,000 IQD | Maximum monthly online purchases outside Iraq |
| 20,000,000 IQD | Bill payment transaction limit (outside system) |
| 20,000,000 IQD | Daily bill payment limit (inside system) |
| 20,000,000 IQD | Daily bill payment limit (outside system) |
| 20,000,000 IQD | Monthly bill payment limit (inside system) |
| 20,000,000 IQD | Monthly bill payment limit (outside system) |
8.2 The company reserves the right to amend the above fees and specifications from time to time, provided that it publishes such amendments on its website and updates them at its agent centers and customer service centers.
9. Liability for Transactions
The cardholder is fully responsible for all transactions made on the card, including currency conversion fees or additional charges imposed by the merchant, and transactions resulting from misuse of the card or failure to report its loss or theft.
10. Confidentiality of Cardholder Information and Disclosure to Third Parties
Subject to the provisions of paragraph 2.2 above, the company is committed to maintaining the confidentiality of the cardholder's information and transactions made on the card. However, the company reserves the right to disclose any card information or transactions to a third party as it deems appropriate and necessary, such as for completing transactions, utilizing third-party services, pursuing legal cases, complying with legal orders or judgments, or complying with instructions from the Central Bank of Iraq or Mastercard International in cases where reporting or other requirements are necessary.
11. Miscellaneous Provisions
11.1 All provisions and/or clauses contained in these Terms and Conditions shall be separate and independent from one another. If any provision of these Terms and Conditions is deemed invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, terms, or clauses herein.
11.2 The Company may assign or transfer any or all of its rights and obligations under these Terms and Conditions to a third party as the Company deems appropriate.
12. Dispute Resolution and Applicable Law
If you dispute any transaction made on your Agati card, please contact the Customer Service Center directly or visit any of the Company's agents within the timeframe specified by applicable laws or regulations from the date of the transaction. The Company shall be responsible for processing disputed transactions in compliance with the laws and instructions of the Central Bank of Iraq and Mastercard International in this regard.
13. Jurisdiction shall be with the Iraqi courts to hear and adjudicate any disputes arising out of or relating to these Terms and Conditions. Customer Service Center
The company's customer service center is available 24 hours a day, 7 days a week to answer all inquiries and provide services related to the Agaty card or its transactions. You can reach them at +9647904100000. For more information about the Agaty card, please visit the company's website at www.switch.com
9 – Responsibility for Transactions
The cardholder shall bear full responsibility for all transactions carried out using the card, including currency conversion amounts or any additional amounts imposed by the merchant, as well as transactions resulting from misuse of the card or from failure to report the card in the event of loss or theft.
Subject to the provisions of Clause 2.2 above, the Company undertakes to maintain the confidentiality of the cardholder’s information and the transactions conducted on the card. However, the Company has the right to disclose any card information or transaction details to a third party to the extent it deems appropriate and as necessary to complete transactions, benefit from third-party services, initiate legal claims, comply with legal orders or judgments, or comply with the instructions of the Central Bank of Iraq or Mastercard International, in cases where reporting or other disclosure is required.
11.1 All clauses and/or paragraphs contained in these Terms and Conditions shall be separate and independent from one another. If any provision of these Terms and Conditions is deemed invalid, unlawful, or unenforceable, such invalidity, unlawfulness, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, terms, or paragraphs of these Terms and Conditions.
11.2 The Company may assign or transfer any or all of its rights and obligations under these Terms and Conditions to a third party as it deems appropriate.
If you object to any transaction carried out on the aghati Platinum card, you must contact the Customer Service Center immediately or visit any of the Company’s agents within the time period specified by applicable laws or regulations from the date of the transaction. The Company shall be responsible for handling disputed transactions in compliance with the laws and instructions of the Central Bank of Iraq and Mastercard International in this regard. Iraqi courts shall have jurisdiction to hear and adjudicate disputes arising from or related to these Terms and Conditions.
The Company’s Customer Service Center is available to customers 24 hours a day, 7 days a week, to receive all inquiries and provide services related to the aghati Platinum card or its transactions, at +9647904100000.
For more information about the aghati Platinum card, please visit the Company’s official website.
Additional 10% discount on purchases at selected boutiques across 9 luxury shopping cities in Europe (such as London, Milan, Paris, Munich, Barcelona, and others).
15% discount on shopping packages, chauffeur drive service, and Shopping Express service.
Free access to VIP lounges in selected villages, subject to availability.
Reserved parking.
Hands-Free Shopping service.
Personal shopping consultation appointments in selected villages.
United Kingdom, Italy, Germany, Ireland, Spain, France, Belgium.
To learn more about the offers, please visit the Mastercard official website:
https://www.priceless.com/shopping/product/163190/bicester-village-shopping-collection/0/4007/opti