the maximum interest-free period for purchases in stores and online.
electronics, travel, online shopping, and daily expenses.
for any purchases when additional financial flexibility is needed.
no annual fee.
the card is available immediately after approval. Add it to Apple Pay or Google Pay and start paying today.
Terms and Conditions
Parameter | Value |
Credit limit | up to KZT 7,500,000 |
Minimum limit | KZT 50,000 |
Interest-free period for purchases | up to 60 days |
Interest-free period for transfers and cash withdrawal | does not apply — interest from day one |
Annual service fee | KZT 0 |
Interest rate | 30% per annum |
AEIR | 34,4% |
Fee for transfers and cash withdrawal | 3% |
Minimum payment | 1% of debt amount, not less than KZT 2,000 |
Card expiry date | 3 years |
Important to know
The interest-free period My!Card DARA applies only to in-store and online purchases. For transfers and cash withdrawal, interest is accrued from the first day of the transaction at a rate of 30% per annum.
How to obtain it
Apply for a card in Halyk SuperApp.
Get a digital card immediately after approval*.
If necessary, order a plastic card at the bank outlets.
*Instant access to funds on the card depends on the requested limit:
• limit up to 150 MCI — the card is available for use instantly;
• limit from 150 to 200 MCI — the card is available for use after 8 hours;
• limit above 200 MCI — the card is available for use after 24 hours.