Eldik Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Eldik Bank suits customers who want a local debit card with virtual and travel options, plus borrowing for home improvements. Its consumer borrowing costs 20%, while the card has an annual fee of KGS 0.
Key facts
Loans
Pros and cons
Pros
- The debit card includes virtual-card and travel features under virtual card and travel.
- The card offers cashback at 2%.
- The card has an annual fee of KGS 0.
- Support is available by phone and email.
Cons
- The card has a monthly fee of KGS 100.
- The listed card rewards type is none.
- Personal borrowing has an APR of 20%.
Who it suits
- Customers who want a local-network debit card for everyday banking
- Customers interested in virtual-card or travel features under virtual card and travel
- Customers considering personal, credit-line, secured or car lending under personal, credit line and secured
Who should look elsewhere
- Customers seeking a global card network, as the listed network is local
- Customers wanting a monthly-fee-free debit card, because the fee is KGS 100
- Customers wanting a card with points or miles rewards, as the listed rewards type is none
How Eldik Bank compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.6
9.1 vs 9.2
9.1 vs 8.4
9.1 vs 8.5
9.1 vs 8.8
9.1 vs 9.0
9.1 vs 8.6
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.0- 9.1 vs 8.0
Where Eldik Bank is available
- Available
- Kyrgyzstan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of card does Eldik Bank offer?+
Eldik Bank offers a debit card through a local network. The listed card type is debit, while the network is local.
What are the fees for the Eldik Bank card?+
The card has a monthly fee of KGS 100 and an annual fee of KGS 0. The listed monthly and annual fee figures apply to the personal card offer.
Does the Eldik Bank card offer cashback?+
The listed cashback rate is 2%. Eldik Bank also identifies the rewards type as none, so the cashback rate and the stated rewards classification should be read together.
Can the Eldik Bank card be used for travel or online payments?+
Eldik Bank lists travel and a virtual card among its card features under virtual card and travel. The card itself is listed as debit.
How can customers contact Eldik Bank?+
Customer support is available by phone and email. These listed channels are phone and email.
What borrowing does Eldik Bank offer?+
Eldik Bank is listed as a direct lender offering personal, credit-line, secured and car loans under personal, credit line and secured. Its personal borrowing has an APR of 20%.
What can Eldik Bank loans be used for?+
The listed loan use case is home improvement under home improvement. Eldik Bank is a direct lender under direct lender.
Sources
- eldik.kg/credits checked September 26, 2026
Backs: Lender type, Loan types, Use cases
- eldik.kg/credits/potrebitelskoe-creditovanie checked September 26, 2026
Backs: Loan amount, APR, Term
- eldik.kg/en/info checked September 26, 2026
Backs: Headquarters
“provides a wide range of services throughout the territory of Kyrgyzstan”
- eldik.kg/ru/credits/kredit-na-zhile checked September 26, 2026
Backs: Fixed period, Initial rate, Purpose
“Housing loan (Кредит на жилье) purpose: purchase of housing, construction of housing, refinancing of mortgage loans, repayment of debt for purchased real estate”
- eldik.kg/ru/payment-cards checked September 26, 2026
Backs: Annual fee, Features, Card network, Rewards type, Support channels
“Visa Gold - card issue Free”
- eldik.kg/ru/payment-cards/elkart-beskontakt checked September 26, 2026
Backs: Card type, Cashback rate, Monthly fee
“Platiezhnaia karta ELKART - dostupnyi, nadezhnyi produkt, prednaznachennyi dlia beznalichnykh raschetov - ELKART-Beskontakt”
- rsk.kg/media/reports/FS_RSK_Bank_2024_eng.PDF checked September 26, 2026
Backs: Founded, Legal entity
“RSK Bank OJSC was established in the Kyrgyz Republic on July 22, 1996 - On May 30, 2024 RSK Bank OJSC was officially renamed to Eldik Bank OJSC”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Eldik Bank
Customers seeking a local debit card and personal or home-improvement borrowing