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For Individual Entrepreneurs

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VISA, ELCARD Revolving cards




Free of charge

Annual maintenance fee

Free of charge


With the OJSC "Bakai Bank" credit cards you will have an ability to make purchases, pay for services or get cash today but pay later using the Bank's funds. You will not have to collect documents and go through the procedure of renewing you credit over and over again after full repayment.

The card is provided FREE OF CHARGE for 2 to 3 years depending on the type of product. 

The interest rate is charged only on the used part of the credit. 

SMS notification and Mobile Banking are free.

You no longer have to wait for your salary/retirement and save for purchases you need right now, or put off a purchase just because you don't have the necessary amount on you.

Don't let circumstances control your life! Our loans make that possible. Get loans for everything your heart desires without a cosigner and without unnecessary documents.


  1. Revolving line of credit is opened with VISA cards;
  2. Our revolving line card gives you the ability to use any amount within the limit provided;
  3. Opportunity to get a card with a grace period of up to 45 days. The interest rate during the grace period is 0%;
  4. The interest rate is charged only on the used part of the limit;
  5. If you repay a portion of the principal amount, the limit available for use increases again;
  6. If you pay for goods or services with our revolving fixed rate card you will get Cashback up to 2% of the purchase!

Cardholders of these cards are automatically enrolled in the Bonus Program depending on the type of product.

For more information follow this link  

*The Loyalty Program (cash-back) is provided when making purchases in the stores for the amount from 100 soms and above. A bonus of 2% of transaction amount, 1 bonus=1 KGS is credited to VISA Classic/Gold/Platinum cards at the end of the month when 100 bonus points are reached or more. The maximum amount of cashback per month is 1000 KGS. Bonus at the rate of 5% of transaction amount, 1 bonus = 1 KGS, is credited to VISA  Infinite cards at the end of the month when reaching 100 bonus points and above. Bonuses are awarded only on borrowed funds. With a positive account balance, bonuses are not accrued.

The maximum amount of cashback is 2000 KGS.  PROMOTION IS VALID until 30.06.2023.

Friendly Network

"Friendly Network" is a wide network of ATMs and terminals throughout Kyrgyzstan. For the convenience of its customers, banks consolidated their devices into a single network to serve bank cards.

  • more than 500 ATMs;
  • more than 606 terminals.

Our cardholders can withdraw cash with Elcard/VISA payment cards at the devices ofthe Friendly Networkon the tariffs of OJSC" Bakai Bank". 

The Friendly network includes the following banks:

OJSC Bakai Bank


OJSC "Ayil Bank" 

CJSC "Bank of Asia",

OJSC "Dos-Credit Bank

Finance Credit Bank CAB

OJSC "Capital Bank"

For more details please reach out to our Contact Center by dialing 6111 or visit "Bakai Bank" branches. 

Three Steps to a New Bakai Bank Card

Fill out an application
It takes 2 minutes, all you need is a contact person and a phone number
Wait for the operator to call you
We'll let you know when and where to pick up the card when it's ready
Pick up your card
Come to a bank office and present your passport

Submit a request for assistance

VISA, ELCARD Revolving cards
We guarantee the security of your information