#180 Card Benefits
How does the #180 card work?
A new grace period starts when you fully repay your outstanding debt and made a new purchase
To start a new grace period, you must fully repay your debt.
How the card works in different situations
If the principal amount outstanding on your credit card is repaid within 180 days (the end of the grace period), no interest will be charged. All subsequent purchases during this time are added to the current grace period, which remains single until the debt is repaid
The grace period does not apply to cash withdrawals or money transfers, interest is charged from the day one. To start a new grace period, you must fully repay your debt.
When making a cash withdrawal or transfer, even during the GP, interest is only charged on the amount withdrawn/transferred. To avoid interest being charged on all purchases made during the GP, the entire credit card balance must be paid off within 180 days.
If the principal is not repaid by the end of 180 days, interest calculated from the GP start date will be debited the next month. Interest is then accrued monthly
In case of falling into arrears (failure to make the minimum payment), the grace period ends early, and interest starts to accrue from the GP start date. To start a new GP, you must fully repay the outstanding credit card balance.
Put your money on deposit and use #180 card for everyday expenses. Your funds continue to work and generate income
With the #180 card, you can use the bank’s money for six months interest-free. Convenient when your expenses are planned or come up unexpectedly
If you need to make an urgent purchase, use the #180 card instead of your own funds. Up to ₸3 mln limit helps you preserve your savings
Pay with the #180 card and keep your own money on a deposit. A smart way to manage your finances
Card Terms
Card class | credit card |
Card type | Digital |
Currency | KZT |
Card validity | 5 years |
Card issue fee | ₸0 |
Monthly service fee | ₸0 |
Credit limit | up to ₸3,000,000 |
Grace period (interest-free) | up to 180 days |
Card renewal fee | 0 ₸ — upon expiry |
Cash withdrawals at CenterCredit Bank ATMs | up to ₸500,000 per month — 0% fee over ₸500,000 per month — 1.5% + ₸300 credit limit— 3.9% + ₸390 |
Cash withdrawals at other banks’ ATMs in Kazakhstan | up to ₸300,000 per month — 0% fee over ₸300,000 per month — 1.5% + ₸300 credit limit— 3.9% + ₸390 |
Transfers to card via bcc.kz app | personal money — 0% fee credit limit — 3.9% + ₸390 |
Transfers to other banks | up to ₸300,000 per month — 0% fee over ₸300,000 per month — 1%, min ₸250 credit money — 3.9% + ₸390 |
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FAQ
You can open the card via the bcc.kz mobile app.
No, the card is available in a virtual format only.
Currently, the card is available to residents of the Republic of Kazakhstan only.
The card can be closed at a bank branch.
#180 card is a credit card with up to 180-day grace period intended for cashless purchases (Retail transactions).
To maintain the grace period:
- make monthly payments of at least 5% of the principal;
- pay interest on cash transactions (if any);
- repay your debt utilized within the grace period by the end of 180 days.
- If these conditions are met, no interest will be charged on retail transactions.
You can get a statement at a bank branch.
No, insurance is not provided for this card.
The minimum payment is a mandatory amount due monthly. It includes 5% of the principal and accrued interest on the card. Payment must be made by the due date.
After the debt is billed, you will receive a notification with the minimum payment amount and due date.
Currently, the credit limit increase is not available, but such option is planned to be implemented in the future.
The recommended payment (optional payment) is an amount greater than the minimum payment, which helps evenly repay the debt and reduce the burden in the last month of the grace period.
If the debt is not fully repaid by the end of the grace period, interest will be charged for the entire period from the grace period start date.
If you miss a payment, the grace period ends, and interest will be accrued on the entire debt from the grace period start date.
Yes, you can pay more — the extra amount will be applied for early partial repayment of the debt.
No, the grace period is terminated in case of falling in arrears. To start a new one, the full current debt must be repaid, including overdue payment and interest accrued up to the date of arrears.
The grace period is a time, during which no interest is charged for the credit limit utilization by the Bank
To maintain the grace period, it is required to pay the minimum payment on a monthly basis - at least 5% of the retail transaction principal, and if applicable, interest accrued on cash transactions. All utilized debt must be fully repaid before the grace period ends.
No, the 180-day grace period starts from the moment it is activated and applies to all subsequent transactions until the debt is fully repaid.
The grace period remains valid for retail purchases, but interest will start to be accrued on the withdrawn amount. You cannot repay just that part because repayments follow the FIFO principle — older transactions are repaid first. To activate a new grace period, the entire debt must be paid off.
Yes, you can repay the full debt early. This will end the current grace period, and a new one will start with your next purchase.
You will receive a notification confirming that the grace period has been started and indicating its end date.
Yes, a notification will be sent both upon successful completion of the grace period and if the conditions for maintaining the grace period have not been fulfilled.
Installment plan is not available. However, the card offers a 180-day grace period, during which you can make recommended payments and gradually pay off the debt.
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