1. One card in 5 currencies – KZT, USD, EUR, GBP, RUB/CNY
2. Free additional cards – 5 cards one level below
3. Annual service fee – KZT 5,000 per month (KZT 60,000 per year)
4. Card validity period – 3 years
5. Insurance: Visa Infinite – up to USD 2,500,000, MasterCard World Elite – up to EUR 1,500,000
6. Cash withdrawal fees:
• Within the Bank network in tenge – KZT 0:
- salary, pensions, allowances and funds from deposit without limits
- other receipts up to KZT 300,000 per month
• Within the Bank network in tenge – 1%:
- other receipts exceeding KZT 300,000 per month
• Within the Bank network, withdrawal of other receipts in foreign currency:
- in foreign currency – 1%, within the limit up to KZT 300,000 per month – KZT 0.
• In the network of other Banks – 0.9% + KZT 50
• Outside the Republic of Kazakhstan – free up to USD 1,000 per month, above – 1.5% (min KZT 1,000)
• Deposit funds via Halyk Bank ATMs – 0%

1. Use for free!
• opening of 5 extra cards of lower level
• cash out abroad up to USD 500 per month
• payments in Halyk.kz

2. Get more bonuses*
• 1% - on payments via Halyk QR*
• 4% - regular bonus* on smartphone payments (Apple Pay, Samsung Pay and Google Pay) in Halyk POS terminals
• 10% - maximum bonus on special programs and promos
• 30% - maximum bonus in Halyk Club partners' network


*Special features and exceptions to bonus awarding are applied

3. Enjoy maximum comfort!
• One card - five currencies (KZT, USD, EUR, GBP, RUB/CNY)
• Choose the card yourself - Visa Infinite, MasterCard World Elite, Asia Prestige Diamond
• Transfers by mobile phone number to customers of any banks
• Cash withdrawal by code without card at Halyk ATMs
• Payment with a smartphone without a card via QR, Apple Pay, Google Pay, Samsung Pay
• Pay for your purchases with bonuses at Halyk POS terminals, make payments in Halyk app

4. All you need for business trips and travel
• Concierge service - your personal assistant to address any issues around the world
• Possibility to visit lounge zones in international airports
• Travel insurance certificate issued by Halyk IC jointly with Allianz Partners for EUR 110,360
• Insurance: Visa Infinite – up to USD 2,500,000; MasterCard World Elite – up to EUR 1,500,000
For detailed information, please visit the Bank's website or the Personal Service Center or VIP Center.

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 "