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
Instalment cards
6 cards: 0% for up to 24 months at 3,500 partner stores. Free service, issued in 15 minutes.
{count} found: 6 offers
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
KICB
KICB Instalment
4.8Instalments
up to 12 mo.
Limit
up to 300,000 KGS
1,900 partners
Free
Electronics, clothing, medicine
VisaOnline
Bakai Bank
Bakai Instalment
4.7Instalments
up to 12 mo.
Limit
up to 300,000 KGS
2,100 partners
Free
Instalments for flights and tours
MastercardOnlineDelivery
Demir Bank
Demir Taksit
4.6Instalments
up to 18 mo.
Limit
up to 400,000 KGS
1,600 partners
500 KGS/year
Instalments at partner stores in Turkey
Visa
Dos-Credobank
Dos Instalment
4.5Instalments
up to 10 mo.
Limit
up to 200,000 KGS
900 partners
Free
No income proof, issued in 15 minutes
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.
Best instalment cards
| # | Bank | Card | Term | Partners | Limit | Service |
|---|---|---|---|---|---|---|
| 1 | Optima Bank | Optima Instalment Visa | up to 24 mo. | 2,800 | 500,000 KGS | Free |
| 2 | Demir Bank | Demir Taksit Visa | up to 18 mo. | 1,600 | 400,000 KGS | 500 KGS |
| 3 | MBank | MBank Instalment Visa | up to 12 mo. | 3,500 | 300,000 KGS | Free |
| 4 | Bakai Bank | Bakai Instalment Mastercard | up to 12 mo. | 2,100 | 300,000 KGS | Free |
| 5 | KICB | KICB Instalment Visa | up to 12 mo. | 1,900 | 300,000 KGS | Free |
| 6 | Dos-Credobank | Dos Instalment Visa | up to 10 mo. | 900 | 200,000 KGS | Free |
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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
You pay with the card at a partner store and the purchase is split into 3–24 equal interest-free payments — the bank compensates the store. Outside the partner network the card works as a regular credit card at 28–34%.
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