#CryptoPay (Bank CenterCredit) Review (2026)

The #CryptoPay (Bank CenterCredit) earns 0.5% cashback on a Mastercard debit card with a ~$128/yr (KZT 5,000/mo) fee, available in Kazakhstan (Central Asia).

Reviewed by Card Pilled Editorial · Last verified 2026-10-11

Key Facts

Cashback
0.5%
Annual Fee
~$128/yr (KZT 5,000/mo)
Region
Kazakhstan (Central Asia)
Type
Debit
Network
Mastercard
KYC
full

Overview

Bank CenterCredit (АО «Банк ЦентрКредит», BCC) is a Kazakh commercial bank licensed by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market. Its #CryptoPay card is linked to a wallet at ATAIX Eurasia, an AIFC-licensed crypto exchange in Astana.

The #CryptoPay (Bank CenterCredit) is a crypto debit card offered by Bank CenterCredit, available in Kazakhstan (Central Asia). It offers 0.5% cashback rewards on purchases. The annual fee starts at ~$128/yr (KZT 5,000/mo). It runs on the Mastercard network and requires full identity verification.

Cashback Tiers

#CryptoPay (Bank CenterCredit) cashback tiers and requirements
TierRateRequirement
Base0.5%All in-store POS purchases, paid in tenge; cashback capped at 20,000 tenge a month, monthly accruals under 500 tenge are forfeited and accrued cashback expires after 12 months; excluded MCCs apply

Pros

Cons

Fees & Costs

Conversion Fee
USDT sold at the ATAIX exchange rate (spread not published)
FX Fee
1.5% Optional Issuer Fee on foreign-currency conversions in other banks' networks
ATM Withdrawal
Not available
Top-Up Fee
Free
Inactivity Fee
Up to KZT 1,000 a month (capped at the balance) after more than a year with no account activity

Limits & Top-Up

Monthly Spending Limit
KZT 500,000
Top-Up Assets
USDT
Virtual Card Fee
~$21 (KZT 10,000)

Who's behind this card

Issuing bank
Bank CenterCredit JSC

Cost & Returns

On $500/mo spend, the estimated monthly cost breakdown for #CryptoPay (Bank CenterCredit) is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $10.67, for a total drag of 3.6% of spend. After $3.00/mo cashback that is still a net cost of about $15.17/mo ($182.04/yr). #CryptoPay (Bank CenterCredit) tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.

Note: Digital Mastercard World Black Edition debit card from a Kazakh bank, linked to an ATAIX Eurasia crypto wallet. At each purchase USDT is sold at the exchange rate and tenge are credited to the card; only USDT can be spent today. Launched in March 2026 (Forbes Kazakhstan, 3 March 2026, reported it as the first premium crypto card from a Kazakh bank). RESTRICTIONS (bcc.kz card page FAQ, read 2026-10-11): in-store POS purchases only, via Apple Pay, Google Pay or Samsung Pay; online payments, transfers and ATM cash withdrawals are not available. Limit 500,000 tenge a month, raisable to 45,000,000 tenge with Investor qualification. FEES (tariff approved 23 December 2025): issuance 10,000 tenge for residents, maintenance 5,000 tenge a month, top-up and payment free, and a 1.5% Optional Issuer Fee where a foreign-currency transaction in another bank's network involves conversion. USD figures in features use about 470 tenge per US dollar (mid-2026). Perks: up to 10 LoungeKey visits and 10 Fast Track passes a year, Mastercard concierge, and travel medical insurance. This is a separate product from eurasian-bank-card, which is a different bank and exchange still at test issuance. VERIFICATION GAPS: the USDT-to-tenge spread is not published, and the FAQ mentions collecting a pre-ordered plastic card while the tariff lists the card type as digital.

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FAQ

What is the #CryptoPay (Bank CenterCredit)?

The #CryptoPay (Bank CenterCredit) is a crypto debit card offered by Bank CenterCredit. It is available in Kazakhstan (Central Asia) and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the #CryptoPay (Bank CenterCredit) offer?

The #CryptoPay (Bank CenterCredit) offers 0.5% cashback.

What are the fees for the #CryptoPay (Bank CenterCredit)?

The #CryptoPay (Bank CenterCredit) has an annual fee of ~$128/yr (KZT 5,000/mo). Additional fees: Conversion fee: USDT sold at the ATAIX exchange rate (spread not published); FX fee: 1.5% Optional Issuer Fee on foreign-currency conversions in other banks' networks; ATM: Not available; Top-up: Free; Inactivity: Up to KZT 1,000 a month (capped at the balance) after more than a year with no account activity.

What are the spending limits on the #CryptoPay (Bank CenterCredit)?

The #CryptoPay (Bank CenterCredit) has the following limits: monthly spending limit: KZT 500,000. Limits can vary by account tier and verification level.

How do you top up the #CryptoPay (Bank CenterCredit)?

Supported assets include USDT.

Does the #CryptoPay (Bank CenterCredit) require KYC?

Yes. The #CryptoPay (Bank CenterCredit) requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.

Which countries is the #CryptoPay (Bank CenterCredit) available in?

The #CryptoPay (Bank CenterCredit) is available in Kazakhstan (Central Asia).

Is the #CryptoPay (Bank CenterCredit) a credit or debit card?

The #CryptoPay (Bank CenterCredit) is a debit card. You need to load cryptocurrency onto the card before making purchases.

Who issues the #CryptoPay (Bank CenterCredit)?

The #CryptoPay (Bank CenterCredit) is issued by Bank CenterCredit JSC.

Visit Bank CenterCredit

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