Credit cards

The loan is granted in Sberbank outlets:

• employees of the Bank - in a branch at place of employment;
• employees of organizations involved in the Payroll card program who receive salaries on the cards of the Bank - in any branch of the Bank;
• VIP - at the Bank's branch at place of banking service
• Individuals having deposits in the Bank (secured by bank deposit/unsecured) - at the Bank's branch where deposits were opened;
• Individuals who do not refer to categories 1-4 - in any branch of the Bank.

Monthly payment due date

Before the 20th day of each month following the reporting calendar month.

Interests repayment procedure

Interests for utilized loan limit shall be paid once per month.

Interests accrue every day on actually utilized amount of the loan limit.

Partial or full loan prepayment

Upon request that contains the date of prepayment, the amount and account from which the funds are to be transferred. The date of prepayment stated in the request shall be a business day.

Minimum amount of prepaid loan is not limited.

No prepayment fee.

To obtain a card:

• Please visit a Sberbank office.
• Provide the documents required to obtain a credit card.
• Fill in and sign the Application to Obtain a Card.

Penalty for delayed loan repayment

0.25% (zero point two five percent) per each calendar day of delay of the outstanding principal debt and interest, but no more than 10% (ten percent) of the originated loan amount for each year of the loan agreement.

Should you need more information, please contact the Bank's outlets in your city or the Call Centre 8 (727) 250-30-20 in other regions of Kazakhstan: 8-8000-808-808