#BusinessCredit Credit Card
#BusinessCredit Benefits
Pay for goods and services with your card, online and through POS terminals
Shop when needed without waiting for available working capital.
Split any purchase into 6 monthly payments
Pay for tickets, accommodation, and other travel expenses
#BusinessCard: How It Works
If you do not yet have a CLA, open an account and activateyour credit limit.
Once the CLA has been activated, issue a card in the mobile app
For contactless and online payments
Use the card within your available limit
Up to ₸50,000: always against the CLA. Over ₸50,000: against the card limit, provided sufficient funds are available
Card purchases: 3 or 6 months with equal monthly payments
CLA transactions: up to 30 days
Instructions
If you do not yet have a CLA, open an account and activateyour credit limit.
Once the CLA has been activated, issue a card in the mobile app
For contactless and online payments
Use the card within your available limit
Up to ₸50,000: always against the CLA. Over ₸50,000: against the card limit, provided sufficient funds are available
Card purchases: 3 or 6 months with equal monthly payments
CLA transactions: up to 30 days
Open a new card linked to this account
Proceed with card issuance
Accept and sign the terms and conditions. An SMS will be sent to your phone number
Add it to your digital wallet
Instructions
Open a new card linked to this account
Proceed with card issuance
Accept and sign the terms and conditions. An SMS will be sent to your phone number
Add it to your digital wallet
#BusinessCredit Terms and Conditions
Limits | |
Card limit | Up to ₸ 5 mln |
Available limit | Reviewed on a monthly basis |
Fees and Terms | |
Payment Schedule | Choose a term: 3 or 6 months |
Issuance and Maintenance | Free of charge. Card replacement fee: ₸ 1,000 |
Interest Rate | 23.5% per annum; AEIR: 26.21% |
Card Format and Cardholder | |
Card Issuance Format | Digital card in BCC Business |
Cardholder | Individual Entrepreneur or the Company's CEO |
Card Type | Mastercard Business World Credit |
Mastercard Privileges | Terms and Conditions |
| About the Borrower's Liability | |
Fees and Terms | |
Purpose | For cashless business expenses only |
Access to funds | No access to the account holder's own funds |
Cash withdrawals | Not available |
P2P transfers | Not available |
Transactions up to KZT 50,000 | Processed using the limit within the CLA |
FAQ
It is a digital credit card for cashless business expenses. The card is linked to the card credit limit available under your CLA, allowing you to pay for business expenses without using your own funds from your current account.
Yes. The card is available only with a CLA. If you already have a CLA, you can apply for the card in the BCC Business mobile app. If you do not have a CLA, you will need to apply for one first.
An individual entrepreneur or the company’s CEO can apply for a card. Cards cannot be issued to employees or accountants.
The card can be used to pay for business expenses via POS terminals or online card payments by entering the card details. QR payments, cash withdrawals, and P2P transfers are not available.
The card limit is up to ₸5 million. It is included within the overall CLA limit, which can be up to ₸ 250 million
Transactions under ₸ 50,000 are funded through the CLA. Transactions of ₸50,000 or more are funded through the card limit, subject to sufficient available card limit
If the card limit is insufficient to cover the full transaction amount, the transaction will be processed entirely using the CLA, provided that sufficient CLA limit is available. The transaction amount cannot be split between the card limit and the CLA
Transactions made using the card are subject to a repayment term of 3 or 6 months. The customer selects the preferred term in the mobile app, and the selected setting remains in effect until it is changed. For transactions made under the CLA, the repayment term is up to 30 days.
You can view your outstanding balance, repayment schedule, and next payment date in the BCC Business mobile app
The outstanding balance is repaid automatically on the scheduled payment date, provided there are sufficient funds in the account. You can also make an early repayment at any time with no fee.