Bank cards
Rates
Credit Cards
Debit Cards
National Card “Elkart”
What is a bank card for?
A bank card is a payment instrument that provides access to a bank account current.
DemirBank offers the following types of bank cards:
- By payment system affiliation: cards of Visa International, MasterCard Worldwide international payment systems, as well as cards of Elcart national payment system (valid only in the territory of the Kyrgyz Republic).
- By features:
- Debit (Visa Classic, Visa Gold, Visa Platinum, MasterCard Standard, MasterCard Gold, MasterCard Platinum): banking is possible within the limits of own funds in the current account.
- Credit (Visa Classic, Visa Gold, Visa Platinum, MasterCard Standard, MasterCard Gold, MasterCard Platinum): banking is possible not only within own funds, but also within the pre-approved credit limit specified by the Bank.
- Elcart national card is intended for non-cash payments, receiving wages, pensions, and benefits through ATMs in the territory of the Kyrgyz Republic.
Bank cards are used for the following purposes:
- Cash withdrawal / current account replenishment / intra-bank transfers via DemirBank ATMs;
- Cashless payments for goods and services via DemirBank POS-terminals or those ones of other banks installed at merchants;
- Payments for goods and services on the Internet;
- Obtaining an interest-free credit limit during the grace period.
Internet payments
To make payments on the Internet with use of DemirBank cards (except for Elcart payment system cards), you need to:
- Have an account with DemirBank;
- Obtain a card;
- Visit the website of the online store, select a product / service, complete the appropriate fields and make a payment*;
- Enter the card details and a one-time password that will be sent to your phone as an SMS message*.
*When making a payment on the website of an online store that supports 3D Secure Technology, you need to enter a one-time password that will be sent as an SMS message to your mobile phone (your mobile phone number must be registered with DemirBank).
Credit limit
A credit limit is the maximum amount of money a bank is willing to lend to a borrower based on their credit history and financial capacity. This limit determines up to what amount a borrower can use credit funds, for example, through a credit card.
- The credit limit is set at the bank branch and can be viewed through mobile banking.
How to increase or decrease the credit limit?
It is possible to increase or decrease the limit only at the bank branches.
- To increase the your credit card limit, you must fill out an application at the bank office.
- Provide documents:
- a statement of salary for the last 6 months,
- a salary certificate from the employer, or proof of any additional income,
- your identity documents*
*For non-salary project clients
- Note: For more detailed information, please contact the call center or the nearest bank office.
Card debt repayment
There are several ways to repay your credit card debt. Please choose the method that is most convenient for you:
- MONTHLY ensuring the required amount of debt on your KGS account for automatic debiting on the due date.
- EARLY repaying your credit card debt / replenishing your overbalance yourself through:
- an ATM of DemirBank: insert your credit card into the ATM and select the “Settlement against statement” menu
- Internet Banking in “full mode” from DemirBank
- POS-terminal at the cash desks of DemirBank branches
A credit card statement for the previous month can be:
- Sent to the e-mail address specified in the payment card application
- Generated independently in Internet Banking
- Or issued at the bank.
GRACE PERIOD
This is an interest-free period from the date of purchase until the next payment day, and can be applied only to non-cash payments.
For example:
For the security of Internet payments, all DemirBank cards (except for Elcart payment system cards) are connected to the 3D-Secure service. When conducting transactions on websites that support 3D-Secure Technology, the cardholder gets the opportunity to confirm each transaction with a unique password, ensuring maximum security. The password is sent as an SMS message to the mobile phone number of the cardholder registered with the Bank.
IMPORTANT! If the cardholder has withdrawn funds from the credit card through an ATM or the Bank’s cash desk, interest will be charged on the amount actually used for the number of days used (according to the Bank’s tariffs).
(*) - The date of purchase can be any, but the payment date must be fixed (depending on the terms of the loan agreement).
Safe use of cards
Since January 28, 2016, DemirBank has implemented 3D Secure Technology for secure payment of online purchases by holders of Visa debit and credit payment cards from DemirBank. All holders of payment cards are automatically connected to 3D Secure Technology: Visa Electron, Visa Classic, Visa Gold, Visa Platinum and Visa Business. Connection to 3D Secure technology is FREE!
General recommendations for safe use of cards
Considering the increasing number of fraud cases involving payment cards worldwide, we strongly recommend that you follow the guidelines below when using your VISA payment cards:
- After receiving a new payment card, sign the back of the card in the designated signature area.
- You must immediately notify the bank by calling the 24/7 Customer Support Center and block your card in case of loss/theft, card compromise, or upon receiving an SMS notification about unauthorized transactions on your card.
- Do not give your card or its PIN code to others, and do not share your card number or security code (CVV2 – the three-digit code on the back of the card). Do not write the PIN on the card or store it with the card. The PIN must be memorized.
- Remember that disclosing your PIN code, personal data, or losing your card carries the risk of unauthorized withdrawal of funds from your bank account by third parties.
- Please note that bank employees will never ask for your PIN code or CVV2 security code by phone/email/SMS.
- Check your account transactions via the Internet Banking system at least once a month.
- Pay special attention to account activity after international trips where the card was used.
- Keep your contact information up to date so the Bank can reach you via phone/email/SMS, for example, in the case of suspicious activity on your card.
What is 3D Secure Technology?
For the security of Internet payments, all DemirBank cards (except for Elcart payment system cards) are connected to the 3D Secure service. When conducting transactions on websites that support 3D Secure Technology, the cardholder gets the opportunity to confirm each transaction with a unique password, ensuring maximum security. The password is sent as an SMS message to the mobile phone number of the cardholder registered with the Bank.
Please note:
Access to making payments for goods / services on the Internet is open by default*.
(*) To close/open access to making payments for goods / services on the Internet, please contact the Bank to sign the application or send a message to the e-mail address: customercare@demirbank.kg. In response to your request, you will be sent an application form to fill out in order to close access.
Your e-mail details, as well as your mobile phone number, must be registered in the Bank’s database.
How does 3D Secure work?
- The cardholder places an order for goods/services through a website that supports 3D Secure technology and enters the card details requested by the online store.
- After entering all required card details, the cardholder is prompted to enter a one-time password (OTP) to confirm the transaction. This password is automatically sent by DemirBank via SMS message to the mobile phone number registered with the Bank. The password is sent at the moment the transaction is initiated online after the card details are entered and can be used only once.
- Enter the received password in the designated field and confirm the payment. Funds will be withdrawn from your card and the purchase completed only if the correct password is entered. If you do not receive the SMS within 3 minutes, you may request a new password by clicking the "Resend password" link. You can request a new password a maximum of 2 times. If the one-time password is entered incorrectly three times, the transaction will be declined. To unlock the card, please contact DemirBank's 24/7 Customer Support Service at: +996 (312) 610 610, 610 613, 2222.
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The ability to use 3D Secure technology is available only if the Bank has a current mobile phone number for you, provided by a local mobile network operator (Beeline, Megacom, O!). Please promptly inform DemirBank of any changes to your mobile phone number by submitting a written request to any Bank branch.
Security measures when using bank cards on the Internet
- To prevent unauthorized transactions and withdrawal of funds from your bank account, we recommend using a Virtual Card for online purchases. A virtual card can only be issued if you have a credit card. Important: The credit limit of your credit card is equal to the limit of your virtual card.
- When making transactions online, ensure that the website is secure. Use only trusted websites and make purchases from your personal computer, not from internet cafes where spyware may be installed.
- To ensure secure online transactions, we recommend making payments on websites that support 3D Secure security technology.
Recommendations for performing transactions through an ATM
- Perform transactions only at ATMs located in secure and well-monitored areas.
- If there are suspicious individuals nearby, it is advisable to choose a different time or use another ATM.
- Before using the ATM, inspect it for any unusual or additional devices, especially around the PIN pad or card slot (e.g., loosely attached PIN pad). If anything seems suspicious, do not use that ATM.
- Enter your PIN in a way that prevents others from seeing it. Always cover the keypad with your hand while entering your PIN.
- Remember: If you enter the wrong PIN three times, your card will be blocked by the bank.
To unblock your card, please contact DemirBank’s 24/7 Customer Support: +996 (312) 610 610, 610 613, 2222 Or email: customercare@demirbank.kg.
Your email address must be registered in the Bank's database.
Recommendations for using cards to perform cashless payments for goods and services
- Do not use payment cards at retail or service establishments that do not inspire trust.
- Always require that any transactions with your payment card be carried out in your presence. This is necessary to reduce the risk of unauthorized access to your personal data printed on the card.
- When using your payment card to pay for goods or services, the cashier may ask you to sign a receipt and enter your PIN code. Before entering your PIN code, make sure that no one nearby can see it. Before signing the receipt, always check the amount indicated on it.
Recommendations for those planning to travel abroad
- Check the expiration date of your card.
- Verify the currency of your card’s main account.
- Make sure you remember your PIN code well.
- Use your card at home before traveling abroad.
- Check the balance of your current account (for debit cards) or the available credit limit (for credit cards) to know exactly how much you can spend. Refill your account in advance if necessary.
- Review the daily spending limits here.
- If you have changed your mobile phone number, be sure to visit the nearest bank branch to update your personal data.
- If you plan to visit a country with a high-risk level, you must submit a written request to the bank to enable cash withdrawals with your card.
Safe Use of Cards
If your payment card was lost/stolen in Kyrgyzstan
You must call DemirBank’s 24/7 Customer Support Service and block your card (this service is free of charge):
- +996 (312) 610 610
- +996 (312) 610 613
- +996 (312) 900 777
- 2222 (free call)
- WhatsApp: +996 (770) 610 610
Or send a message to the email address customercare@demirbank.kg
To reissue a new payment card, you need to visit any branch of the Bank.If your payment card was lost/stolen abroad
You must call DemirBank’s 24/7 Customer Support Service and block your card:
- +996 (312) 610 610
- +996 (312) 610 613
- +996 (312) 900 777
- 2222 (free call)
- WhatsApp: +996 (770) 610 610
Send a message to the email address customercare@demirbank.kg
Or call the Global Customer Support Service 24/7 and block your card. Phone numbers vary depending on the country you are in.
Emergency Cash Withdrawal
If you are abroad and have lost your payment card:
- You must call and block your payment card.
- If you need cash, you can contact any local bank branch or Western Union / MoneyGram service points. You may receive emergency cash of up to USD 3,000 or the equivalent in the local currency of your country of stay within 24 hours in the USA and Canada, or within 1 business day outside the USA and Canada.
Emergency Card Issuance
If you are abroad and have lost your payment card:
- If you are traveling and your card has been lost or stolen
- Block it immediately. Emergency card reissuance is available only for premium cardholders — “Gold” and “Platinum” cards. The reissued card can be used for cashless payments and online purchases, but not at ATMs. The reissued card has a standard Visa design and can be delivered free of charge by courier to your temporary residence, such as a hotel, or can be collected at a local bank office.