Credit Card MasterCard
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Approved by the Minutes №27/06/11 of Board of Directors of SB "HSBC" JSC on 27th of June, 2011, with addendums according to the Minutes №28/10/11 on 28th of October,2011.
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| Account opening and maintenance |
| Commission for bank account opening and maintenance* |
Standard/Primavera card |
Platinum |
| no commission |
no commission |
| Account closure with credit balance |
Credit balance is taken as a commission, max. 5 000 KZT |
| Card cash withrawals/card payments (one time fee per each transaction) |
| Cash withdrawal in ATMs |
| in network of SB “HSBC” JSC |
3% minimum KZT 400 |
| other banks network |
3% minimum KZT 400 |
| Over the counter cash withdrawal |
| other banks network |
Fee of other bank + 3% minimum KZT 400 |
| Loan transaction |
| Interest rate (fixed) % p.a. |
36% |
24% |
| Annual effective interest rate** |
42,43% |
31,61% |
| Minimum repayment amount |
5% from total Outstanding amount/balance, min. 1 000 KZT |
| Operations with card (one time fee per each transaction) |
| Reissuance fee of main or supplementary card (occasional - lost/stolen/damaged) |
KZT 3 000 |
| Credit Card limit increase/decrease fee |
no commission |
| Penalties (one time fee per each transaction) |
| In the event of late or not full payment of the minimum due amount as per Credit Card Agreement |
0.5% out of the overdue amount on a daily basis, but not more than 10% of disbursed limit amount |
| In the event occurence of Overlimit |
Fixed penalty KZT 1 500 for each case occurrence of Overlimit |
| Fee for dispute consideration by the MasterCard international payment system in case of unjustified claim |
Cost of Master Card services |
* The commission in the amount of KZT 6,500 and 25,000 is charged on a yearly basis on non-acceptance order after passing 12 months from the account opening date by Standard/Primavera and Platinum credit cards accordingly. This type of commission is applied to the credit cards, which were opened till 1st of July, 2011 inclusive.
** Annual effective interest rate is stated in the Credit Credit Agreement and computed based on maximum allowed loan amount established by an internal bank policy and upon a full repayment of the loan after termination of Credit Card Agreement’s validity. Annual effective interest rate depends on utilization method and repayment of the loan;
Fees for provided services are debited from Client’s account without preliminary notification;
This schedule of charges does not include possible additional fees charged by other banks’ networks upon using the Credit Card;
Other services not related to Credit Card are paid in accordance with the Bank’s General tariffs.
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