1. Currency – KZT
2. Loan period – 36 months
3. Interest rate:
• 0% per annum during the garce period
• from 30% per annum during the repayment period (Annual Effective Interest Rate from 34.4%)
4. Grace period (0%) – up to 45 days
5. Maximum credit limit amount – up to KZT 2,000,000
6. Minimum credit limit amount – KZT 50,000
7. Annual service fee – KZT 0 for the first year of service, KZT 4,500 for the second and subsequent years
8. Minimum monthly payment – 1% of the outstanding debt, but not less than KZT 2,000/USD 15/EUR 10

• 30% – maximum bonus in the network of Halyk Club partners
• 10% – maximum bonus under special programs and promos
• Bonus points may used for payment
• limit of up to KZT 1,500,000
• up to 45 days, without interest
• KZT 0 in the 1 year of service

*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 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.