MBank
MBank Credit
4.7Grace period
60 days
Limit
up to 500,000 KGS
Rate
28%
Service
Free
60 days interest-free, up to 3% cashback
VisaOnlineDeliveryNo income proof
Bank cards
47 cards from 19 Kyrgyz banks. Compare grace periods, cashback and fees — and order a card with delivery.
20 cards
Credit cards
Grace period up to 60 days, limit up to 500,000 KGS
All cards21 cards
Debit cards
Cashback up to 5%, up to 8% on balance
All cards6 cards
Instalment cards
0% for up to 24 months, 3,500 partners
All cardsBest cards this month
Bakai Bank
Bakai Credit
4.7Grace period
60 days
Limit
up to 300,000 KGS
Rate
29%
Service
Free
5% cashback in favourite categories
MastercardOnlineDeliveryNo income proof
MBank
MBank Visa
4.7Cashback
up to 5%
On balance
5%
Service
Free
Cashback: Fuel, cafés, taxi — categories of your choice
VisaOnlineDelivery
Eurasian Savings Bank
ESB Visa
4.1Cashback
up to 2%
On balance
7%
Service
Free
Cashback: Supermarkets
VisaOnlineDelivery
Optima Bank
Optima Instalment
4.7Instalments
up to 24 mo.
Limit
up to 500,000 KGS
2,800 partners
Free
Up to 24 months for appliances and furniture
VisaOnlineDelivery
MBank
MBank Instalment
4.7Instalments
up to 12 mo.
Limit
up to 300,000 KGS
3,500 partners
Free
0% for up to 12 months at 3,500 partners
VisaOnlineDelivery
How to get a card
- 1
Choose a card
Compare grace periods, cashback and fees — filter by the terms you need.
- 2
Fill in the application
Name, phone and passport — 2 minutes online. Most cards need no income proof.
- 3
Wait for the decision
The bank checks your data at Ishenim and replies within 15 minutes to 1 day.
- 4
Receive the card
By courier in Bishkek and Osh or at a branch. A virtual card is available instantly in the app.
БО
Expert opinion
Bakyt Osmonov · banking products expert, FinMarketKG
The best combination for a Kyrgyz resident is a free Elcard for salary and cash withdrawals plus a Visa or Mastercard with cashback for daily spending and travel. Take a credit card only with a grace period of 50+ days and repay in full before it ends — then it costs you nothing.
Frequently asked questions
A debit card holds your own money, and the bank may pay interest on it. A credit card is a bank loan with a limit and a grace period during which no interest accrues. An instalment card is a type of credit card: purchases at partner stores are split into equal payments with no overpayment.
Customer reviews
Read all reviewsSecure
Data is protected to the PCI DSS standard and never shared with third parties
НБКР
FinMarketKG operates under the laws of the Kyrgyz Republic and works only with banks licensed by the NBKR
Free
Online