The Steel Card
The first UnionPay credit card in Mongolia. Gain access to the exclusive Union Pay International discount network across the globe. Accepted worldwide. Available in CNY or MNT.
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Card brand UnionPay Type International Validity 2 years Currency MNT, CNY Annual fee (new card – branch order) MNT 40,000 / CNY 120 Annual fee (new card – online order) MNT 35,000 / CNY 100 Annual fee (renewal) MNT 25,000 / CNY 75 Secured card (with deposit) annual fee MNT 20,000 / CNY 60 Credit limit (minimum) MNT 100,000 / CNY 1,000 Credit limit (maximum) MNT 10,000,000 / CNY 30,000 Cash limit rate 50% of total credit limit Daily cash withdrawal limit MNT 5,000,000 / CNY 15,000 Daily purchase limit MNT 10,000,000 / CNY 30,000 Minimum payment rate 10% Monthly statement day 1st (transactions made on the 1st are included in the previous month’s statement) Monthly payment due day 15th Retail interest‑free period Up to 45 days Excess credit limit rate 5% Period until card block in case of non‑payment After 1 month Supplementary cards Up to 4 cards Supplementary card fee MNT 20,000 / CNY 60 Supplementary card credit limit Up to 80% of main card limit Retail interest charge (per year) 24% Cash interest charge (per year) 36% Balance enquiry – Golomt Bank ATM Free Balance enquiry – Other domestic bank ATM MNT 100 Balance enquiry – Foreign bank ATM MNT 500 / CNY 2 Cash withdrawal – Golomt Bank branch MNT 200 / 0.3% Cash withdrawal – Golomt Bank ATM / CDM MNT 100 / 0.3% Transfer via Internet banking MNT 200 Cash withdrawal – Partner bank ATM (TDB, State Bank, Capitron Bank, Bogd Bank) MNT 100 / 0.3% + MNT 100 Cash withdrawal – Other domestic bank ATM MNT 600 / 0.3% + MNT 500 Cash withdrawal – Foreign bank ATM 1.5% (minimum MNT 3,000 / CNY 15) Excess credit usage service fee MNT 10,000 / CNY 30 Monthly late payment penalty interest 1% Urgent card issuance fee MNT 10,000 Card replacement MNT 15,000 / CNY 25 PIN code issuance MNT 1,000 Urgent PIN code issuance MNT 2,000 Choosing the card number MNT 50,000 Event service (income & expense notifications) Free For new customers with salaried income
- Customers who receive salary from other banks must provide past 1 year’s salary account statement /for customers with job experience less than 12 months on their current work must provide statement no less than 6 months/
- Customers with loans from other banks and/or non-banking financial institutions must provide their loan agreement, loan amortization schedule, account statement
- Customers with co-lender must provide co-lender’s Salary Verification Letter
For business owner new customers
- Account statement for past 1 (one) year
- Corporate charter, certificate, special license
- Related agreements such as Rental agreement, Immovable Property Certificate and other related documents
- Customers with loans from other banks and/or non-banking financial institutions must provide their loan agreement, loan amortization schedule, account statement
For card re-issuing customers
- ID card
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