MBank
MBank Visa
4.7Cashback
up to 5%
On balance
5%
Service
Free
Cashback: Fuel, cafés, taxi — categories of your choice
VisaOnlineDelivery
Debit cards
21 Visa, Mastercard and Elcard cards: cashback up to 5%, up to 8% on balance. Free service and delivery.
{count} found: 21 offers
MBank
MBank Elcard
4.7Cashback
up to 1%
On balance
3%
Service
Free
Cashback: All purchases
ElcardOnlineDelivery
Optima Bank
Optima Visa Classic
4.7Cashback
up to 2%
On balance
4%
Service
Free
Cashback: Supermarkets, pharmacies
VisaOnlineDelivery
Optima Bank
Optima Elcard
4.7Cashback
—
On balance
2%
Service
Free
Free issue and service
ElcardOnline
Optima Bank
Optima Visa Gold
4.7Cashback
up to 3%
On balance
6%
Service
2,000 KGS/year
Cashback: All purchases
VisaOnlineDeliveryPremium
KICB
KICB Visa Classic
4.8Cashback
up to 1.5%
On balance
5%
Service
Free
Cashback: All purchases
VisaOnlineDelivery
KICB
KICB Elcard
4.8Cashback
—
On balance
3%
Service
Free
ElcardOnline
KICB
KICB Visa Platinum
4.8Cashback
up to 3%
On balance
7%
Service
5,000 KGS/year
Cashback: All purchases, 5% at restaurants
VisaDeliveryPremium
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.
Top 10 debit cards
| # | Bank | Card | Cashback | On balance | Service |
|---|---|---|---|---|---|
| 1 | Bakai Bank | Bakai Mastercard Mastercard | 5% | 6% | Free |
| 2 | MBank | MBank Visa Visa | 5% | 5% | Free |
| 3 | Optima Bank | Optima Visa Gold Visa | 3% | 6% | 2,000 KGS |
| 4 | Halyk Bank Kyrgyzstan | Halyk Mastercard Mastercard | 3% | 5% | Free |
| 5 | KICB | KICB Visa Platinum Visa | 3% | 7% | 5,000 KGS |
| 6 | Eurasian Savings Bank | ESB Visa Visa | 2% | 7% | Free |
| 7 | Demir Bank | Demir Visa Platinum Debit Visa | 2% | 8% | 4,500 KGS |
| 8 | Optima Bank | Optima Visa Classic Visa | 2% | 4% | Free |
| 9 | Dos-Credobank | Dos Visa Visa | 2% | 4% | Free |
| 10 | KICB | KICB Visa Classic Visa | 1.5% | 5% | Free |
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
For daily spending — cards with up to 5% cashback in chosen categories (MBank, Bakai). For keeping money — cards with high interest on balance: Demir Platinum (8%), ESB Visa (7%), KICB Platinum (7%). For pensions and benefits — a free Elcard.
Customer reviews
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