A credit card allows you to make purchases or use various services at any time, without the need to painstakingly save money. A credit card is a card that allows you to receive a renewable credit line from the Bank. Once you issue it, you can use the credit repeatedly. For these purposes, a credit limit (the maximum amount of available credit) is established on the card.

The preferential lending period is a period of time during which no interest is accrued on the outstanding credit balance. The maximum preferential lending period can be up to 60 days (the length of the grace period depends on the chosen card type). The preferential lending period consists of a billing and a payment period.

Enjoy interest-free credit!
When you pay for purchases or services with your card and repay the amount spent within the preferential period, the Bank does not accrue interest. The repaid credit becomes available again immediately. A positive credit history will allow you to use your credit card unlimited.

Flexible and convenient repayment scheme!
You have the option to repay your debt in full or partially. However, a minimum payment should be made to the card by the payment due date. By repaying your debt promptly and in full, you will avoid accruing interest.

Control your spending with Push notifications!
You will receive notifications on your mobile phone for all transactions.

No fee on purchases!
Pay for goods and services with your credit card – it’s not only convenient and safe, but also beneficial. You only pay the cost of the goods/services; the Bank does not charge a fee for this transaction.

You can find out your debt via Halyk or by calling the Contact Center - 7111.

The minimum payment is the amount of the compulsory payment that should be made to the card during the billing period by the payment due date. If the minimum payment is not made during the billing period, a penalty will be charged on the overdue principal amount.

In accordance with the terms and conditions of the Bank Loan Agreement, from the 24th (twenty-fourth) day to the last day of the Billing Period, the Bank may, in a dispute-free (non-acceptance) manner, debit funds from any bank accounts of the Borrower held with the Bank in the amount of the Minimum Payment or in an amount less than the Minimum Payment if the amount of funds available in such accounts is insufficient to pay the Minimum Payment.

With the card you can:
• pay for goods and services worldwide without worrying about currency conversion;
• pay for goods and services online and via catalogs, including car rentals, hotel bookings, airline tickets, and much more;
• withdraw cash from ATMs or at bank outlets.

The credit limit on the card cannot be changed.

You can withdraw money from Halyk Bank ATMs, as well as from ATMs of other banks, within the daily cash withdrawal limit set by the Bank for security purposes. You can find out the cash withdrawal limit in the Halyk app or by calling the Contact Center.

You can independently change or remove the cash withdrawal limit at ATMs in the Halyk app. For security reasons and to prevent fraud, we recommend removing limits only for the necessary period. There is no daily limit on cash withdrawals via Bank outlets.

A fee is charged for withdrawing money from a credit card in accordance with the Bank's tariffs.

You save money by making cashless payments (purchases)! There are no fees on these transactions.

You can replenish your credit card via:
• ATM with Cash-In functionality
• fee-free via Halyk Bank payment terminals
• card-to-card transfer via Halyk
• other Banks supporting card-to-card transfers
• bank outlets cash desks
The fee for replenishing the card via ATMs, terminals, or transfer via Halyk is KZT 0.