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VISA Credit cards

Up to 5 paychecks always at your fingertips!
  • Currency : KGS
  • Issue : Free of charge
  • Annual maintenance fee : Free of charge
VISA Credit cards

A credit card is a nest egg that's always at your fingertips. Once you get such a card, you will enjoy instant credit up to 5 paychecks for 2 years.

up to 45 days of interest-free credit for cashless purchases at merchants and limitless cashback up  to 5%

Credit card is an ideal solution in case of emergency. Apply for one while you have a stable income and receive your salary, and save it for a rainy day. You don't have to pay for such loan if you don't spend it.

"Bakai Bank" offers you a credit card with a grace period up to 45 days (up to the 15-th day of the next month) during which the bank does not charge interest for the use of the credit limit on the card with non-cash purchases.

While withdrawing your credit money the interest is accrued from the moment of the withdrawal. With that, if in the new month you make purchases from the second day of the month, the grace period will be extended for you again.

Cashback up to 5% More.

The grace period and cashbacks do not apply to OR payments. 

Better than a regular loan

  • This credit card compares favorably with the ordinary consumer loan:
  • You submit all your documents once and enjoy instant credit for 2 years.
  • Partner discounts
  • Money is always at your disposal, and you're sure you have funds in case of unexpected expenses.
  • Interest is charged only on the used portion of the limit, and if you don't spend, you pay nothing.
  • You can repay the credit in couple of clicks through BakAi mobile banking.
  • You don't need special purpose confirmation - you decide for yourself how to spend the money.
  • No penalties for early repayment 👌.

 

Borrowers category

Credit limit

Interest rates

Employees of payroll organizations

Up to 5 average monthly salaries 
 
0% - interest-free period on all non-cash purchases from the date of use until the end of the month 
 
25% - when receiving loan from the card in cash, interest rate accrual from date of withdrawal

Pensioners - cardholder of the Bank

Up to 5 average monthly payments of pension deductions, cash compensations, but not more than 50 000 soms

0% - interest-free period for all cashless purchases from the date of use till the end of month.

25% - when receiving loan from the card in cash, accruing interest rate from the date of withdrawal

Third-party individuals

Up to 5 average monthly salaries

0% - interest-free period for all cashless purchases from the date of use till the end of month.

28% - when receiving loan from the card in cash, accruing interest rate from the date of withdrawal

Individuals earning entrepreneurial income

Calculated on a case-by-case basis

0% - interest-free period on all cashless purchases from the date of use till the end of the month.

28% - when receiving credit from a card in cash, accruing interest rate from the date of withdrawal

For employees of payroll organizations and pensioners - cardholders  of the Bank

Loans up to 500 000 somsPassport 
Loans over 500 000 soms

1. Passport of the borrower and his spouse (-she), marriage certificate; 

2. Passport of Cosigner, his spouse (-s), marriage certificate;

3. Documents confirming the income of the Cosigner; 

4. Documents for pledged real estate (documents of title, technical passport of the building, Extract from the State Register of Immovable Property Rights, etc.).

 

 

For third-party individuals, as well as individuals receiving entrepreneurial income

Loans to 300 000 soms

1. Passport

2. Documents confirming income*.

Loans over 300 001 soms to 500 000 soms

1. Passport of a borrower and his spouse, marriage certificate;

2. Passport of Cosigner, his spouse (-s), marriage certificate;

3. Documents confirming the income of the Cosigner.

Loans over 500 000 soms

1. Passport of a borrower and his spouse, marriage certificate;

2. Passport of Cosigner, his spouse (-s), marriage certificate;

3. Documents confirming the income of the Cosigner;

4. Documents for pledged real estate (documents of title, technical passport of the building, Extract from the State Register of Immovable Property Rights, etc.).

*Income certificate for the last 3-12 months/patent/certificate


 

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