This research investigates the determinants of bank selection criteria and their linkage to the common satisfaction level of the banks in Azerbaijan. The study is motivated to investigate the current situation, find critical points and main related factors, inform bank executives and appropriate staff about real tendencies during the crisis and pandemic period. It is based on 2 surveys of 162 and 352 respondents respectively of different private and state-owned commercial banks. 13 main different factors for bank selection and 16 factors for credit cards usage were selected for better and proper analysis.