1. Currency – KZT
2. Loan period – 36 months
3. Interest rate:
• 0% per annum during the grace period
• from 30% per annum during the repayment period (Annual Effective Interest Rate from 34.4%)
4. Grace period (0%) – up to 30 days
5. Maximum credit limit amount – up to KZT 750,000
6. Minimum credit limit amount – KZT 50,000
7. Annual service fee – KZT 0 for the first year of service
8. Insurance – EUR 30,000
9. Cashback on new cards – 1% Cashback on all purchases within the Republic of Kazakhstan (but not more than KZT 10,000 per month)

• 7% bonus with any hotel on Booking.com
• Earn up to 1%* bonus for purchases made via Halyk POS terminals (via QR, Apple Pay, Samsung Pay, Google Pay)

• 10% – maximum bonus under special programs and promos
• 30% – maximum bonus in the network of Halyk Club partners
• Bonus points may used for payment
• limit of up to KZT 750,000
• up to 30 days, without interest
• KZT 0 in the 1 year of service
• Insurance certificate issued by IC Halyk jointly with Allianz Partners for EUR 30,000
• Cashback for new cards - 1% Cashback for all purchases within Kazakhstan (maximum KZT 10,000 per month)
• Payment with a smartphone without card

*Special features and exceptions to bonus awarding are applied

Shop and receive bonuses!
• up to 30% - maximum bonus in Halyk Club partner network;
• up to 20% – maximum bonus under special programs and promos of the Bank;
• up to 10% for active users of the Bank's products under the Halyk+ program.

Pay for your purchases with bonuses!
• Pay for purchases and services with bonuses, either in part or in full, within the Halyk Club partner network.
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.

Keep an eye out for promos with increased bonuses on the bank's website and in Halyk Super App.

*There are special features and exceptions regarding the awarding of bonuses"

• Pay for purchases and services with bonuses at all retail outlets in Kazakhstan where Halyk POS terminals are installed
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.
* There are special features and exceptions "

As of the date of submitting the loan application, the customer should be at least 21 (twenty-one) years old.
In the year the loan period ends, the customer may be:
• women - not older than 58;
• men - no older than 63.

To obtain a My Card credit card, proof of income is required:
• from KZT 40,000 for salary project participants
• from KZT 50,000 for all other customers.

Annual maintenance fee for the 2nd and subsequent years – KZT 4,500

For non-cash/cash transactions.

1% of the debt amount, but not less than KZT 2000/USD 15/EUR 10

The penalty for late payment is 9.7% per annum on the overdue amount for each day of late payment, but not more than 10% of the utilized credit amount for each year of the Agreement’s validity, calculated on the basis of 360 days per year.