1. Pay for purchases and services with bonuses at all retail outlets in Kazakhstan where Halyk POS terminals are installed. Payment with bonuses is not available through POS terminals with integrated self-service cash registers (kiosks).

2. Make payments in the Halyk Super App without commissions*: utilities, mobile communications, internet, and other services.

*Note: there are payments in the Halyk Super App for which it is not possible to choose to pay with bonuses.

When making a purchase, inform the cashier about payment with bonuses via Halyk POS terminal.

Payment with bonuses is not supported through POS terminals with integrated self-service cash desks (kiosks)

• Open Halyk Super App and go to Payments
• Select a service (e.g. “Mobile communication”) and a payment method “Bonuses”

Note: except for payments that do not have the option to select payment with bonuses in Halyk app.

For most payments in Halyk, such as utilities, Internet, TV, mobile communication, landline, transport, schools, education, shopping, airline tickets, security, fines, taxes, and other services.
However, there are also payments in Halyk app that do not support payment with bonuses option (no payment with bonuses option).

The customer cannot pay with bonuses for the following in Halyk:
- “Online games, Internet games, casino, and gambling”;
- “Payments, transfers for loans with STB”;
- “Transfers to deposits with other banks, pawnshops, brokerage accounts”;
- “Replenishment of e-wallets” (e.g. QIWI wallet);
- “Microcredits. Financial services. Pawnshops”;
- “Membership fees of government/religious organizations”;
- and payments in Halyk Super App that do not support payment with bonuses option.

You can check your bonus balance as follows:
• Open Halyk Super App, bonuses will be displayed at the top of the screen
• Open Halyk Super App, the bonuses will be displayed in the “Accounts” section
• Open Halyk Super App, the available bonus balance will be displayed in the “Halyk Club” section.


If the payment was made via the Bank’s POS terminal with Halyk Club Partner (Merchant providing partner bonus), then the bonus awarding is reflected in the bonus statement in Halyk Super App in two transactions:
- bonus amount from the Partner with the name of the point of sale.
- bonus amount from the Bank – “For Halyk card payments”.
In PUSH/SMS notification, bonus awarding is also reflected in a single transaction.

If the payment is made via the Bank’s POS terminal with a Merchant not being Halyk Club Partner, the bonus awarding is reflected in the bonus statement in Halyk app in a single transaction:
- bonus amount from the Bank – “For Halyk card payments”.
In PUSH/SMS notification, bonus awarding is also reflected in a single transaction.

You may have returned the goods, in this case the bonuses awarded for this purchase are canceled.

Bonuses are written off from the customer’s bonus account in the full amount of bonuses previously awarded for the full amount of the purchase.

When the customer returns a purchase and if this purchase was made with bonuses in full or in part, the bonuses are reimbursed to the customer’s bonus account.