Conditions for credit card receiving

To become credit cardholder, you should:

  • Fill in application for international credit card’s issuance
  • Fill in agreement for credit card issuance and servicing
  • Have document, identifying you

Standard conditions for credit card receiving

Credit card limit

Collateral

Credit card limit will be increased by 10% of the collateral, in amount from 5 500 KGS

5 000 KGS

70% from average salary or income, net of taxes

In amount from 5 000 KGS till 20 000 KGS

One guarantee (confirmation of the customer’s and guarantor’s salaries) or corporate guarantee

In amount from 20 000 KGS

Two guarantees (confirmation of the customer’s and guarantor’s salaries) or corporate guarantee

In amount from 60 000 KGS

Movable/Immovable property (immovable property’s insurance isn’t required) or corporate guarantee

List of necessary documents for credit cards receiving on standard conditions

Conditions for credit card receiving by employees of salary projects of Demir Bank

  • The bank and a company cooperate not less than 6 months.
  • Employee works in the company and gets salary in Demir Bank – not less than 3 months.
  • Credit limit is provided without collateral.
  • The bank establishes credit limit on credit card – up to 70% of average salary except all taxes.

Conditions for credit card receiving by employees of salary projects of Demir Bank, working in the company less than 3 months

   For companies, working with the bank less than 3 months, the Bank may offer following limits on credit cards for employees of this salary project without property pledge:

Amount of salary (except all taxes)

Credit card limit

from KGS 5 000 - KGS 10 000

KGS 2 000

from KGS 10 000 - KGS 15 000

KGS 2 500

from KGS 15 000 - KGS 20 000

KGS 3 000

from KGS 20 001– and more

KGS 4 000

Conditions for credit cards receiving issued to bonus cardholder

  • For all bonus cardholders credit cards with limit equaled to 0 KGS and possibility of limit increasing are issued
  • All accrued bonuses were transferred to issued credit card