Select your card
For user-friendly payment and easy money control
Card for everyday use
Cashback by bonuses
1% cashback for all, 2% with O!Prime subscription 0.5% to foreign currency cards
Instant issue
3 minutes at O!Store or O!Bank
Premium card
Access to business lounges
2 free visits to lounges worldwide
Concierge service 24/7
Booking and order assistance in Telegram
Open one online now
Elcart cards
Promo for foreign currency cards
Use Visa Cashback and Visa Platinum foreign currency cards to pay at POS terminals and online — and receive cashback bonuses credited to your account.
- Cashback amount — 0.5%;
- Minimum purchase amount — 100 KGS (equivalent in any currency).
Limits:
- up to 2,000 bonuses per day, and no more than 1,000 bonuses per payment;
- up to 10,000 bonuses per month;
- no more than 4 purchases per day at the same POS terminal or with the same online merchant.
The promo ends on January 31, 2026.
FAQ
How much do card issue and service cost?
Issue of all cards is free of charge. Service fee depends on card type. See detailed terms and rates at this link.
How to open a card online?
You can do it within a few minutes in the My O! app. Go to O!Bank → Cards → Open and follow the steps.
Where can I get a physical card?
You can get a physical card at any O!Bank office or O!Store. Bring your passport.
What is the difference between virtual and physical cards?
A virtual card is suitable for online shopping and is issued instantly in the app. A physical card allows you to pay in stores and withdraw cash.
What cards does cashback applies to?
- 1% cashback applies to all KGS cards for paying online and via POS terminals.
- With O!Prime subscription: 2%.
- The promo is run until September 30, 2025: 0.5% cashback to foreign currency cards (except virtual Visa and Visa Business) for paying online and via POS terminals.
May I use my card abroad?
You can pay and withdraw cash with your Visa card abroad. Elcart cards only work in Kyrgyzstan. See the rates for cash-out and other transactions abroad here.
Can I spend bonuses immediately?
Yes, bonuses are available immediately. Shop at our partners using their brand QR or pay for services in the My O! app
Your bank is always with you
Pay, transfer money, manage your bonuses and track your account balance in My O!. Install the superapp and manage your finance easily
