Cashback and Bonuses from Kaspi / Banks: How to Accumulate and Spend Smartly in 2026

In Kazakhstan almost every second person pays with a card and thinks: "Where is my cashback?". In reality bonuses give real savings — up to 10–60% on purchases if you know the rules. This article contains only the current conditions for Kaspi, Halyk, Freedom, Forte and other banks + a ready-made plan so you actually save money instead of "accumulating points for the sake of points".

Every month Kazakhs spend hundreds of thousands of tenge on groceries, utilities, taxis and shopping. Banks return part of this money in the form of cashback or bonuses. But not all programmes are equally profitable, and conditions change more often than the dollar exchange rate. This article contains only fresh data for April 2026 from the main banks of Kazakhstan. No fluff: only numbers, rules and a ready-made plan so you actually save money instead of "accumulating points for the sake of points".

All data is current as of April 2026. Banks regularly update their programmes — always check the latest promotions, limits and conditions in the app before making a purchase.

Cashback is a real tenge refund to your card or account. Bonuses / points are virtual units that can only be spent in specific places (often 1 point = 1 tenge, but with restrictions).

In Kazakhstan most programmes return bonuses rather than direct cashback in tenge. The main difference: bonuses can usually be spent only within the bank's ecosystem or with partners. Not all banks allow you to withdraw real tenge to your card.

Kaspi is the most popular bank, but bonuses are awarded not for every purchase, only during promotions.

Main rules (current for 2026):
• 1 Kaspi Bonus = 1 tenge.
• Awarded only during promotions:
– In Kaspi Store — up to 60% (during Kaspi Juma and other promos).
– With partners via Kaspi QR using Kaspi Gold / Red+ card — up to 15%.
– Kaspi Travel — separate promotions.
– Product reviews — up to 5,000 bonuses.
• Bonuses never expire.
• Can be spent:
– In the "Payments" section (mobile, utilities and most services).
– In Kaspi Store (partially or fully).
– In Kaspi Travel.

Important: regular purchases outside promotions and outside the Kaspi ecosystem almost never earn bonuses. Therefore Kaspi is most profitable to use exactly in their stores and with QR partners.

Kaspi Gold vs Kaspi Red+:
Kaspi Gold is a free everyday card. Kaspi Red+ is an instalment card that gives more bonuses during promotions, but has its own servicing conditions.

Halyk gives real bonuses = 1 tenge and allows you to earn them on regular purchases.

Halyk+ (main loyalty programme):
• Up to 10% depending on your loyalty level, spending and activity in the app (from 1% to 10%).
• Limits: from 30,000 to 100,000 bonuses per month (higher spending = higher limit).
• Additionally: up to 30% with partners (Sulpak, pharmacies, cafés, etc.) + promotions on premium cards (1–5%).
• Halyk Bonus card is a special debit card with guaranteed bonuses in favourite categories.

Bonuses are spent in the Halyk Super App on purchases, services, restaurants and over 9,000 services. Very convenient for those who spend 100–300 thousand tenge per month.

The most unusual programme. Cashback is awarded not in tenge but in Freedom investment currency (tied to Freedom Holding shares).

How it works (after March 2026 changes):
• Base cashback 1–4% depending on loyalty level (Standard — 1%, Silver — 2%, Gold — 3%, Platinum — 4%; depends on average account balance).
• +0.5–2% for smartphone payment (Apple/Google/Samsung Pay).
• In the Freedom ecosystem (Arbuz, insurance, tickets, tyres, etc.) — increased cashback (maximum for Gold and Platinum).
• Total real up to 29% in the partner network.

Plus: Freedom currency has grown strongly in recent years.
Minus: the exchange rate is floating — today 1 Freedom unit may cost more or less tenge.

Forte is one of the most flexible options. Every month in the app you choose categories yourself (2–5 depending on card type):
• Up to 20% in chosen categories.
• Partner bonuses 2–25%.
• Limit: 30,000 tenge per month (for regular cards).

Bonuses are spent directly at payment (turn on the "Pay with bonuses" toggle) or on payments in the app.

Jusan and BCC:
Similar system — categories + partners, limits 15–30 thousand tenge per month. BCC gives up to 10% on utilities and payments with a salary card.

Real tenge:
• Pros: spend anywhere.
• Cons: rarely more than 1–2%.
• Best for: Freedom (partially).

Bonuses 1:1 tenge:
• Pros: easy to spend inside the ecosystem.
• Cons: restrictions on services.
• Best for: Kaspi, Halyk, Forte.

Investment currency:
• Pros: growth potential.
• Cons: rate can fall.
• Best for: Freedom.

Conclusion: if you spend inside one ecosystem — 1:1 bonuses are ideal. If you want maximum freedom — look at Freedom or combine cards.

1. Bonuses are not awarded on returns (and may even be deducted if already credited).
2. Monthly limits are the most common loss (30–100 thousand tenge).
3. Some operations are excluded: casinos, transfers, payments to Otbasy Bank, etc.
4. In Kaspi — bonuses only during promotions.
5. Bonuses are not awarded if payment was made "incorrectly" (e.g. not via QR with a partner).
6. Conditions change every month — always check in the app.

1. Choose 2–3 main cards (e.g. Kaspi Gold + Halyk Bonus + Forte Blue).
2. Open the app and check current promotions and categories for the month.
3. Plan big purchases for promotions (Kaspi Juma, partners).
4. Pay with your smartphone — almost everywhere +0.5–2%.
5. Track limits — don't spend more than you will get back.
6. Check bonus balance once a month in the "Bonus" section.
7. Use your salary card — often gives +1–3% or extra free categories.

• Kaspi — payments + Store + Travel (never expire).
• Halyk — in Super App on any services and partner purchases.
• Forte — directly at payment in the terminal or in the "Payments" section.
• Freedom — on purchases, transfers, investments in the app.

Tip: if you have a lot of bonuses — spend them on utilities and mobile communication. These are the most stable categories.

• Buying "just because" instead of during a promotion.
• Forgetting to select categories in Forte/Halyk.
• Not turning on "Spend bonuses" before payment.
• Thinking cashback is money on the card (when it is actually points).
• Keeping all money on one card without analysing limits.

The most effective combination in 2026:
• Kaspi — for big purchases in their ecosystem and instalments.
• Halyk — for everyday spending and high loyalty categories.
• Forte — for categories you choose (groceries, taxis, petrol stations).
• Freedom — for investment growth and ecosystem (insurance, tickets, groceries).

This way you cover almost all your spending and get 5–15% real savings every month.

Imagine: you spend 200–300 thousand tenge per month. With the right combination of cards you can get back 10–30 thousand tenge per year. The main thing is not to chase percentages, but to choose what is convenient for you.

Useful materials on zhivem.kz:

• Bank cards of Kazakhstan: comparison 2026.
• Kaspi.kz: everything you need to know.
• Instalments without overpayments: myths and reality.
• How to buy air tickets profitably.
• Budget travel in Kazakhstan and the world.
• Discounts and promotions in online stores.
• Currency exchange: where is it more profitable.
• Insurance: what you really need.
• Mobile communication and tariffs.

Cashback and bonuses in Kazakhstan are not a marketing trick, but a real saving tool. With spending of 200–300 thousand tenge per month and the right choice of cards you can get back 10–30 thousand tenge per year. Use bank apps, follow promotions, combine cards and don't let bonuses sit idle.