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
Credit cards
20 cards, grace period up to 60 days, limit up to 500,000 KGS. Rates from 26% p.a., online application without income proof.
{count} found: 20 offers
Optima Bank
Optima Credit
4.7Grace period
55 days
Limit
up to 500,000 KGS
Rate
27%
Service
1,500 KGS/year
Fee-free cash withdrawals
VisaOnlineDeliveryFee-free cash
KICB
KICB Credit Card
4.8Grace period
50 days
Limit
up to 400,000 KGS
Rate
26%
Service
1,200 KGS/year
Lowest rate — 26%
VisaOnline
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
Demir Bank
Demir Visa Gold
4.6Grace period
45 days
Limit
up to 500,000 KGS
Rate
27%
Service
2,500 KGS/year
Travel insurance, Priority Pass
VisaFee-free cashPremium
Demir Bank
Demir Visa Platinum
4.6Grace period
45 days
Limit
up to 500,000 KGS
Rate
26%
Service
6,000 KGS/year
Manas lounges, concierge
VisaDeliveryFee-free cashPremium
Aiyl Bank
Aiyl Credit
4.4Grace period
30 days
Limit
up to 150,000 KGS
Rate
30%
Service
Free
For public sector staff and farmers
ElcardNo income proofFee-free cash
Eldik Bank
Eldik Credit
4.3Grace period
30 days
Limit
up to 200,000 KGS
Rate
29%
Service
300 KGS/year
Up to 3 salaries for payroll clients
ElcardFee-free cash
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 credit cards
| # | Bank | Card | Grace period | Limit | Rate | Service |
|---|---|---|---|---|---|---|
| 1 | MBank | MBank Credit Visa | 60 days | 500,000 KGS | 28% | Free |
| 2 | Optima Bank | Optima Credit Visa | 55 days | 500,000 KGS | 27% | 1,500 KGS |
| 3 | Halyk Bank Kyrgyzstan | Halyk Credit Mastercard | 55 days | 400,000 KGS | 28% | 1,000 KGS |
| 4 | Demir Bank | Demir Visa Gold Visa | 45 days | 500,000 KGS | 27% | 2,500 KGS |
| 5 | Demir Bank | Demir Visa Platinum Visa | 45 days | 500,000 KGS | 26% | 6,000 KGS |
| 6 | KICB | KICB Credit Card Visa | 50 days | 400,000 KGS | 26% | 1,200 KGS |
| 7 | Bakai Bank | Bakai Credit Mastercard | 60 days | 300,000 KGS | 29% | Free |
| 8 | Eurasian Savings Bank | ESB Credit Visa | 50 days | 300,000 KGS | 31% | 500 KGS |
| 9 | EcoIslamicBank | Murabaha Card Visa | 60 days | 200,000 KGS | 36% | Free |
| 10 | Keremet Bank | Keremet Credit Visa | 45 days | 300,000 KGS | 30% | 600 KGS |
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 period (30–60 days) during which you use the bank's money interest-free. If you repay the full balance before it ends, there is no overpayment. Usually the grace period covers purchases only, not cash withdrawals.
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