1. Card purpose - solely for crediting allowances and social payments.
2. Card currency - KZT.
3. KZT 0 – card service fee for all years.
4. KZT 0 – plastic card delivery by courier.
5. Purchases with the card and payments in Halyk app - KZT 0.
6. Cash withdrawal fees:
• in the Bank’s network - KZT 0
• in the network of other Banks - 0.9% + KZT 50
• outside the Republic of Kazakhstan - 1.5%, min. KZT 1,000
7. Plastic card validity period - 6 years.

Features of the special card for allowances:
• The card is intended only for receiving allowances and social payments.
• Cash replenishment or other crediting to the card is unavailable.
• The card is protected from seizures and claims of third parties.

This card is intended only for crediting benefits and social payments. Order a digital card online without visiting outlets!

1. Use it for free!
• KZT 0 – card service fee every year
• KZT 0 – ordering and delivery of a plastic card by courier
• KZT 0 – purchases with the card and payments in Halyk app
• KZT 0 – withdrawing benefits and social payments at Halyk Bank ATMs

3. Useful services
• Link the card to Apple Pay or Samsung Pay, pay with your smartphone without a card
• Withdraw money without a card at Halyk Bank ATM
• Pay for services in Halyk without fees
• Order a plastic card in Halyk with free delivery or pick it up at any outlet. To do this, choose a digital card in the "Accounts" section, then "Order a card". The card ordering service is available on Android devices.
Card service fee every year – KZT 0.

4. Access bank products and services online in Halyk app
• Online opening and management of deposits 24/7
• Online installment plan for 24 months at partner stores of the Bank
• Purchase tours and tickets and much more

• 2% bonus on favorite categories - movies, cafes, etc.
• Easy payments via smartphone (Google Pay, Apple Pay)
• Opportunity to save for a big dream

*Special features and exceptions to bonus awarding are applied

Earn higher bonuses:
• up to 30% bonus for all purchases made with Halyk Club partners
• up to 10% under special programs and offers

• 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 exemptions "

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 service fee for the 2nd and subsequent years:
• customers receiving salary to Halyk Bank cards - KZT 4,000
• customers not receiving salary to Halyk Bank cards - 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.