General terms and conditions

Bonus is customer’s funds earned thereby from the Partner or from the Bank.
1 (one) bonus is equal to KZT 1 (one). Bonuses are not subject to cashing out.

Halyk Bank JSC Bonus Club Rules
Правила бонусного клуба для физических лиц

It is enough for a customer to have an active payment card of the Bank issued to an individual.

• 30% - maximum bonus in the network of Halyk Club partners
• 10% - maximum bonus under special programs and promotions of the Bank
• Earn up to 1%* bonus for purchases made via Halyk POS terminals (via QR, Apple Pay, Samsung Pay, Google Pay)

*Special features and exceptions to bonus awarding are applied
Исключения по начислению бонусов

Bonuses are accumulated on a single bonus account and stored on the customer’s contract (cumulatively on all payment cards). It is possible to accumulate bonuses when paying with one payment card, and spend bonuses with another payment card.

Bonus account is an account other than a customer’s bank account, which is opened by the Bank to each customer at the moment of issuing the Card, and whereon the Bank keeps records and operations on bonuses: awarding, spending, reimbursement, write-off, and active balance.

Bonuses from Halyk Club partners are perpetual.
Bonuses from Halyk are also perpetual, however Halyk Bank is entitled to set an expiry date within the terms and conditions of the promotions.

Attention! Bonuses are expired in case of closing of all customer’s cards and in case of inactivity of customer’s current account in the card base for 6 months.

Bonuses are automatically credited to the customer bonus account when a transaction is made using Halyk QR, Apple Pay, Google Pay, Samsung Pay

When a card is reissued, bonuses are stored on the customer’s bonus account and are available to the customer when using the reissued card.

Bonuses are awarded to any Halyk payment cards – debit cards, credit cards, Halyk Light installment card, except for corporate payment cards of legal entities and prepaid payment cards (gift cards), and payment cards linked to special current accounts AltynPlus/AltynPlus UPI.

Maximum monthly bonus on all Halyk cards per customer:

In Halyk network:

• up to 10,000 bonuses for 0,75%* bonus: on payments via QR code in Halyk network;
*Except for parking payments made via QR code, for which no bonuses will be awarded according to the 1% bonus deactivation on payments in Halyk app
• up to 20,000 bonuses for 0,75%* bonus: on smartphone payments (contactless payments by Apple Pay, Samsung Pay, Google Pay, Garmin Pay, mobile and smart devices) in Halyk POS terminals

• up to 5,000 bonuses for 0,8%* bonus: on payments via QR code in Halyk network;
*Except for parking payments made via QR code, for which no bonuses will be awarded according to the 1% bonus deactivation on payments in Halyk app
• up to 5,000 bonuses for 0,8%* bonus: on smartphone payments (contactless payments by Apple Pay, Samsung Pay, Google Pay, Garmin Pay, mobile and smart devices) in Halyk POS terminals

• up to 5,000 bonuses for 1%* bonus: on payments via QR code in Halyk network;
*Except for parking payments made via QR code, for which no bonuses will be awarded according to the 1% bonus deactivation on payments in Halyk app
• up to 5,000 bonuses for 1%* bonus: on smartphone payments (contactless payments by Apple Pay, Samsung Pay, Google Pay, Garmin Pay, mobile and smart devices) in Halyk POS terminals

• 10,000 bonuses* for personalized campaigns -: in case the customer receives a Push or SMS notification from Halyk with a personalized offer.


Bonuses from the most partners of Halyk Club are unlimited (within the framework of partner agreements).
Исключения по начислению бонусов

Bonuses from the Bank are awarded for payments made in Halyk Club partner network, which provide a permanent bonus.
For example: The Partner awards 1% bonus, customers will be awarded with 1% bonus from the Partner and 1% bonus from the Bank.