Revolving cards ELCART, VISA

For individual entrepreneurs






Annual maintenance fee

With a revolving card of “Bakai Bank” OJSC you will have a chance to carry out purchases, pay for services or receive cash using funds of the Bank and then repay the funds you have spent. For revolving of the credit after its full repayment you will not have to collect all necessary documents and undergo the procedure again and again.

A card is provided FREE OF CHARGE for 2 or 3 years depending on the type of the product.

Interest rate is charged only for the part of the credit funds which has already been spent.

SMS notification and Mobile Bank services are provided free of charge.

You will no longer have to wait for the day of your salary/pension payment and save up for purchases which you need right now, or put off a purchase only because you do not have enough money on you.

Manage your life yourself, not by circumstances! This will be possible with our loans. Receive loans for anything you want without guarantee and without excessive documents.


  • The revolving line is opened on ELCART and/or VISA cards;
  • Our revolving card allows the use of any amounts within the given limits;
  • Possibility to receive a card with an interest-free period up to 30 days. The grace period rate is 0%;
  • The interest rate is accrued solely on the used part of the limit;
  • When the principal part has been repaid, the available limit grows again;
  • Paying for a product or service with our fixed-rate revolving card, you get Cashback in the amount of 5% of the purchase!

Holders of these cards automatically become participants of a Bonus Program depending on the type of the product.

The Bank offers three types of a revolving credit:

  1. Individuals
  2. Pensioners
  3. Individual entrepreneurs

Friendly Network


A “Friendly network» is a wide network of ATMs and terminals throughout Kyrgyzstan.For the clients’ convenience banks have integrated their devices which service cards into a single network.

  • over 439 ATMs;
  • over 606 terminals.

Our cardholders can withdraw money from Elcard/VISA payment cards using the Friendly Network’s devices according to the rates of Bakai Bank OJSC.


The Friendly Network includes the following banks:

Bakai Bank OJSC


Aiyl Bank OJSC

Bank of Asia CJSC

Dos-Kredobank OJSC

Finance Credit Bank OJSC

Capital Bank OJSC

For more detailed information please call our consultants using the number of the contact center 6111 or you can receive information directly in Bakai Bank’s offices.


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Foreign Exchange Rates

Purchase Sale
USD 80.3000 80.9000
EUR 86.0000 91.0000
RUB 1.0200 1.0900
KZT 0.1500 0.2000
GBP 90.0000 103.0000
CNY 9.0000 13.0000
Purchase Sale
USD 80.3000 80.9000
EUR 85.0000 94.0000
RUB 0.9000 1.1200
KZT 0.1400 0.2050
GBP 88.0000 104.0000
CNY 8.0000 14.0000
FX rate
USD 80.2015
EUR 87.7204
RUB 1.0188
KZT 0.1796
GBP 99.0966
CNY 11.8213

Course listed on 28.03.2020

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual