VISA Credit
USE CREDIT CARD VISA WITHOUT INTEREST OF 45 DAYS!
Capabilities:
- MULTIFACETEDNESS - when performing operations on the card, the available limit is reduced by the amount spent. When debt is repaid, the available limit is restored to the repayment amount.
- SAFETY - no need to carry large amounts or excess of small coins in your wallet anymore, it is possible to pay for goods on the Internet and at merchant locations around the world.
- RELIABILITY - SMS-informing service allows you to receive in real time information about all transactions performed.
- CONVENIENCE - 24-hour access to the account via Internet banking.
- PRACTICALITY - the minimum mandatory payment is 10% of the outstanding card amount.
- UNIQUENESS - an interest-free period * is renewable.
Requirements for the borrower:
- Citizen/Resident of the Kyrgyz Republic - performing labor or entrepreneurial activities in the Kyrgyz Republic;
- Age - from 20 years; by the time of repayment of the credit line on the card, the Borrower must not be older than 65 years;
- Individuals - work experience at the last place of work - at least 6 (six) months;
- Individual entrepreneurs working on a patent or certificate and having a stable business, valid for at least 6 months without interruption, before applying for a credit card.
| Card type | VISA Credit Classic | VISA Credit Gold | ||
| Card account currency | KGS | USD** | KGS | USD** |
| Credit line (up to the indicated amount) | 200000⊆ | 3000$ | 1000000⊆ | 15000$ |
| Interest rate (annual)*** | from 28% | 20% | from 28% | 20% |
| Non-interest period | 45 days without % | |||
| Minimum Mandatory Payment (MMP) | 10% of the outstanding amount at the end of the settlement period *** | |||
| Collateral security |
1. For loans up to 100,000 KGS / 1 500 USD, a pledge and a guarantor are not required; 2. For loans from 100,001 to 200,000 KGS / 1 501 USD to 3 000 USD, a deposit is not required, a guarantor is required; 3. For loans from 200,001 KGS to 300,000 KGS/ 3 001 USD to 3 500 USD, movable property and a guarantor or real estate are required; 4. For loans over 300,000 KGS / 3 500 USD, the collateral is movable property, real estate and a guarantee.
*For repeat clients of the Bank with a positive credit history, the amount of loans that do not require collateral is up to 300,000 KGS/ 3 500 USD.
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**According to the Resolution of the Board of the National Bank of the Kyrgyz Republic dated 10.02.2016 No.7/3, issuance of loans in foreign currency is possible for persons engaged in entrepreneurial activity on the basis of a certificate or a patent and to persons who have pledged a deposit
**Annual effective interest rate is from 33,18% KGS, 19,2% USD.
***The settlement period is the month proceeding the month of MMP. The period during which it is possible to make purchases on a credit card or withdraw cash. At the end of the period, a report on your payments is formed - when and how much money has been spent.
RATES FOR CREDIT CARD SERVICE
| Title of service | VISA Credit Classic | VISA Credit Gold | ||
| Card account currency | KGS | USD | KGS | USD |
| Validity period | 3 years | |||
| Replenishment of the card account in the cash department or the payment terminal of Keremet Bank |
Free of charge | |||
| Card issue | Free of charge | |||
| Service Fee |
200⊆ | 3$ | 1000⊆ | 20$ |
| SMS - notification (monthly) | Free of charge |
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| Cashing in ATMs or POS terminals of Keremet Bank | 1% | |||
| Cashing in other ATMs in other banks in the territory of the Kyrgyz Republic and abroad |
1%, minimum 150⊆/3$ | |||
| Commision for payments by credit cards | 1% | |||
| Balance enquiry through Keremet Bank ATMs | Free of charge | |||
| Balance enquiry through of other banks, as well as out of the Kyrgyz Republic | 40⊆ | 0,5$ | 40⊆ | 0,5$ |
DAY LIMITS OF CASH FLOWS ON VISA*****
| Card type | Cash withdrawal in ATMs | Non-cash purchases (Payment in POS-terminals) | Number of transactions |
| VISA Credit Classic | 1 000 $ | 4000 $ | 10 transactions |
| VISA Credit Gold | 3 000 $ | 4000 $ | 10 transactions |
Tariffs on operations for bank cards of "Keremet Bank" OJSC
Rules of receipt and use of bank payment cards of "Keremet Bank" OJSC
***** The daily spending limit in another currency is equivalent to the established limit in dollars at the rate established on the day of the operation. Daily spending limits for cards can be changed upon a written application of the client.
