Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

Altyn-i review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Altyn-i suits Kazakhstan residents who want a Mastercard debit card with free ATM withdrawals of KZT 1,000,000 a month, well above the €118.23 most cards here allow. The trade-off sits on the credit side, which adds an annual fee of KZT 10,990 and a grace period.

Key facts

Best for
A Mastercard debit card with a large free ATM allowance and no monthly charge.
Monthly fee
KZT 0 (Source, checked September 26, 2026)
Free ATM withdrawals
KZT 1,000,000 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
5% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Altyn Bank JSC (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Features
Travel
Official website
altyn-i.kz

Credit cards

Annual fee
KZT 10,990 (Source, checked September 26, 2026)
APR
21% to 36% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
0.5% base, 5% on transport (Source, checked September 26, 2026)
Perks
20% discount on train tickets, Free cash withdrawals up to 1 million KZT monthly, 60 day grace period (Source, checked September 26, 2026)
Cashback rate
0.5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Altyn Bank JSC (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Features
Travel

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Free ATM withdrawals of KZT 1,000,000 a month on a debit card with no monthly charge.
  • Cashback of 0.5% base, 5% on transport on the credit card, with the higher rate on transport spending.
  • A long-standing issuer: Altyn Bank JSC has traded since 1998.

Cons

  • Borrowing on the credit card runs at 21% to 36%, and that card carries an annual fee of KZT 10,990.
  • Support runs on email, phone and chat only.
  • Cashback needs the credit card, so a debit-only spender gets nothing from 0.5% base, 5% on transport.

Ready to try Altyn-i?

Scored 9.4 / 10 by DebitCue.

See alternatives

Who it suits

  • Kazakhstan residents who want a Mastercard debit card at no monthly charge.
  • Cash users who will draw the free ATM allowance of KZT 1,000,000 each month.
  • Commuters who pay for transport often enough to earn the higher rate in 0.5% base, 5% on transport.

Who should look elsewhere

  • Travellers holding several currencies: Wise charges a monthly fee of £0, while Altyn-i lists travel.
  • Anyone after a secured credit card: Varo Believe Secured Credit Card has a monthly fee of $0.
  • Anyone wanting a secured Visa card: Chime Card charges a monthly fee of $0 against mastercard here.

Who runs it

Altyn-i is issued by Altyn Bank JSC, a bank headquartered in Kazakhstan and trading since 1998. That makes it a domestic issuer rather than a platform built on top of another bank, so the account terms and the card sit in the same place. Card help runs through email, phone and chat, so a blocked card or a disputed payment goes straight to the bank.

How Altyn-i compares

Where Altyn-i is available

Available
Kazakhstan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Altyn-i debit card cost each month?+

The debit card has a monthly fee of KZT 0, so there is no recurring charge for keeping it open. Altyn-i issues it as a debit card, which means spending comes straight from the account balance rather than a balance you load in advance. Cashback sits with the credit card instead.

How much can be withdrawn from ATMs at no charge?+

The free ATM allowance runs to KZT 1,000,000, well above the €118.23 most cards in this comparison offer. The Altyn Express package repeats that allowance as part of its monthly bundle, so heavy cash months cost less here. The card runs on mastercard for withdrawals at home and abroad.

What does the Altyn-i credit card cost?+

The credit card charges an annual fee of KZT 10,990 and lends at 21% to 36%, which is the costlier side of the offering. Altyn-i lists it as a credit card, and the Altyn Express package adds a grace period before repayments fall due. Holding no balance keeps that side simple.

What rewards does the credit card pay?+

Rewards come back as cashback at 0.5% base, 5% on transport, and the rewards type is listed as cashback rather than points or miles. Transport spending earns the higher figure in that rate, which suits anyone paying for trains or taxis often. The rate applies to the credit card, not the debit card.

What comes with the Altyn Express package?+

The package bundles 20% discount on train tickets, free cash withdrawals up to 1 million KZT monthly and 60 day grace period, and the listed feature is travel. The train ticket discount and the free cash in that bundle suit anyone who travels by rail in Kazakhstan or spends mostly in cash. The grace period applies to the credit card balance.

What support does Altyn-i offer?+

Support runs through email, phone and chat, so a blocked card or a disputed payment has a direct line to the bank. The account sits with Altyn Bank JSC, based in Kazakhstan, so a query reaches the issuer rather than a separate app company. Phone is the quickest route for a card that stops working abroad.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Protection.

Altyn-i

A Mastercard debit card with a large free ATM allowance and no monthly charge.

9.4/10See alternatives