From 18 April 2024, DIAMOND CREDIT CARD installment card fees and terms for Private Banking customers come into force
The terms for the Diamond credit card installment card for Private Banking customers come into force at Eurasian Bank.
The card holders have access to:
— Free installment purchases.
— Installment purchases worldwide with one touch or by entering card data (for online purchases), without connecting additional options in the Smartbank mobile app.
- In the partner network — for 6 months free of charge.
- Outside the partner network — for 3 months free of charge.
Withdrawals and transfers:
Cash withdrawals, transfer transactions and payments to Smartbank are made on credit without a grace period at 29% per annum.
- Withdrawals and transfers from credit funds are conducted with a limit of 500,000 tenge per month.
- Withdrawals and transfers at own expense — without restrictions.
Also, starting from 18 April 2024, the following DIAMOND CREDIT CARD fees come into force:
| Fee
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Fee charged | ||
| 18. | Diamond credit card
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| Type of payment card
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Mastercard World Elite | ||
| 18.1. | Servicing
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| 18.1.1. | Card issue, account maintenance
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| 18.1.2. | Monthly payment
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0 tenge | |
| 18.1.3. | The account maintenance fee for which there are no expenditure transactions for more than one year 1
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1,000 tenge 2 | |
| 18.1.4. | Card replacement:
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| – at the cardholder’s initiative
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2,000 tenge | ||
| – at the initiative of the Bank (including upon the card expiry)
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0 tenge | ||
| 18.2. | Crediting and transferring money | Own funds | Credit limit (not more than 500,000 tenge per month)
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| 18.2.1. | Crediting money to the account:
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| – in cash
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0% of an amount | ||
| – by transfer from another bank
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0% of an amount | ||
| 18.2.2. | Card-to-card money transfer
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| via the Bank remote channels:
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| – to the Bank customer’s card
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0% of an amount | 4% of an amount | |
| – to the customer’s card via IPS 2.0.
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5 tenge for each transfer | not provided | |
| – to another bank customer’s card (including by phone number) | up to 75,000 tenge inclusive during a calendar month – 0 tenge; over 75,000 tenge during a calendar month – 0.9% of an amount, min. 200 tenge
|
4% of an amount | |
| via the remote channel of another bank:
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| – to/from the Bank card | 0.9% of an amount (min. 200 tenge)
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4% of an amount | |
| 18.2.3. | Transferring money from the account:
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| – via the Bank outlets/branches
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1.5% of an amount + 500 tenge | 4% of an amount + 500 tenge |
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| – under long-term orders
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not provided | ||
| 18.2.4. | Fee for the execution (full/partial) of a payment demand, collection order, etc.
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0.35% of an amount (min. 700 tenge, max. 7,500 tenge) | not provided |
| 18.3. | Transaction fees | Own funds | Credit limit (not more than 500,000 tenge per month)
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| 18.3.1. | Cash withdrawal at ATM:
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| – in the Bank network | up to 2 million tenge inclusive during a calendar month – 0 tenge; over 2 million tenge during a calendar month – 0.95% of an amount
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4% of an amount | |
| – in the network of other second-tier banks of the Republic of Kazakhstan 3 | up to 300,000 tenge inclusive during a calendar month – 0% of an amount; over 300,000 tenge during a calendar month – 1% of an amount (min. 200 tenge)
|
4% of an amount | |
| – in the network of other banks outside the Republic of Kazakhstan 3 | up to 300,000 tenge inclusive during a calendar month – 0% of an amount; over 300,000 tenge during a calendar month – 1.5% of an amount (min. 200 tenge)
|
4% of an amount | |
| 18.3.2. | Cash withdrawal at the cash desk using a POS terminal:
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| – in the Bank network | up to 10 million tenge or currency equivalent inclusive during a calendar month – 0% of an amount; over 10 million tenge or currency equivalent during a calendar month – 0.9% of an amount (min. 200 tenge)
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4% of an amount | |
| – in the network of other banks | 1.5% of an amount (min. 350 tenge)
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4% of an amount + 500 tenge | |
| 18.4. | Payment for goods and services on SHF:
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| – in the network of the Bank and other banks | 0% of an amount
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| – casinos/lotteries/electronic money purchase/electronic wallet top up
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not provided | ||
| 18.5. | Blocking a lost/stolen card, resetting the PIN code counter, changing the PIN code
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| – blocking of a lost/stolen card
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0 tenge | ||
| – reset the PIN code counter
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0 tenge | ||
| – PIN code change 4
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0 tenge | ||
| 18.6. | Statements and other services fees
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Own funds | Credit limit |
| 18.6.1. | Requesting a balance using an ATM or POS terminal
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0 tenge (in the Bank network); 100 tenge (in the network of other banks) |
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| 18.6.2. | Account statement 5:
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| – monthly
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200 tenge | ||
| – additional
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500 tenge | ||
| – additional, for each month preceding the last 2 calendar months
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2,000 tenge | ||
| 18.6.3. | Providing information about the movement on the account 5:
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| – on the last 10 transactions
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0 tenge | ||
| – via SMS messages and PUSH notifications in the Smartbank RBS
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0 tenge | ||
| – and other written information on the account at the customer’s request
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500 tenge | ||
| 18.6.4. | Reimbursement of expenses for providing information about transactions conducted via ATMs, including video recordings 5
|
5,000 tenge | |
| 18.7. | The Bank’s interest rates on loans provided
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| 18.7.1. | Penalty in case of an unauthorized overdraft amount | 0.5% of the overdue payment amount daily for 90 days overdue; 0.03% of the overdue payment amount daily after 90 days overdue, not more than 10% of the overdraft amount, for each year of the Agreement
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| 18.7.2. | Fee for changing the terms at the borrower’s initiative
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| Installments after purchase:
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| – fee for using the installment option in the Partner network (3 and 6 months)
|
0 tenge | ||
| – fee for enabling the installment option outside the Partner network (3 months)
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0 tenge | ||
| – fee for connecting the installment option outside the Partner network (6 months), for each month of the selected installment period, charged monthly
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1% of a transaction amount 6 | ||
| – fee for connecting the installment option in/outside the Partner network (12 months), for each month of the selected installment period, charged monthly
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2% of a transaction amount 6 | ||
| – fee for using the option to transfer the amount of the used credit limit from installments to revolving loan (once during one calendar year for each purchase)
|
0 tenge | ||
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Notes: |
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| 1 charged once a year | |||
| 2 charged only at own expense | |||
| 3 in some cases, the servicing ATM may charge an additional fee for cash withdrawal | |||
| 4 in case of successful execution of this operation, the number of incorrect PIN code dialing attempts is automatically reset in Smartbank, provided they accumulate, while the fee for resetting the PIN code counter is not charged |
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| 5 including VAT | |||
| 6 if the installment option is connected after making a purchase, the fee is calculated monthly from the initial purchase amount, for which the installment period is extended after making a purchase and is charged monthly for each month of the selected installment period |
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