Up to 5 paychecks always at your fingertips!

Currency

KGS

Issue

Free of charge

Annual maintenance fee

from 300 soms

How can a credit card benefit you?
Interest rates
What documents are required?

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.

45 days of interest-free credit for cashless purchases at merchants and cashback up to 12,000 soms per year.

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, as well as cashback* (return of money to the card) on purchases of up to 1000 soms per month.

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.

*The Loyalty Program (cash-back) is provided when making purchases in the stores for the amount from 100 soms and above. A bonus of 2% of transaction amount, 1 bonus=1 KGS is credited to VISA Classic/Gold/Platinum cards at the end of the month when 100 bonus points are reached or more. The maximum amount of cashback per month is 1000 KGS. Bonus at the rate of 5% of transaction amount, 1 bonus = 1 KGS, is credited to VISA Infinite cards at the end of the month when reaching 100 bonus points and above. Bonuses are awarded only on borrowed funds. With a positive account balance, bonuses are not accrued.

The maximum amount of cashback is 2000 KGS. PROMOTION IS VALID until 31.12.2023.

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.
Neither pledge nor cosigner is needed to open the limit up to 100 thousand soms for third-party individuals and 150 thousand soms for employees of salary projects.
You can repay the credit in couple of clicks through Bakai24 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 150 000 soms	Passport
Loans over 150 001 soms to 300 000 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 300 000 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 100 000 soms	1. Passport 2. Documents confirming income*.
Loans over 100 001 soms to 200 000 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 200 000 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

Three Steps to a New Bakai Bank Card

Fill out an application

It takes 2 minutes, all you need is a contact person and a phone number

Wait for the operator to call you

We'll let you know when and where to pick up the card when it's ready

Pick up your card

Come to a bank office and present your passport

Submit a request for assistance

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