Marki Debit Card from Pochta Bank — earn points for purchases and services

The main feature of the Marki debit card from Pochta Bank is participation in loyalty programs where you can earn high cashback for purchases in stores. The card operates on the Visa payment system, allowing you to perform all standard operations, including depositing and withdrawing cash, online transfers, cashless payments, and more.

Buy goods at partner stores, get up to 5% cashback, and later exchange the accumulated points to purchase goods.

You can get the card as early as the day your application is approved. Simply wait for the bank operator's decision, visit the branch, and start earning with the Marki debit card from Pochta Bank. A fee applies to the card. Issuance fee — 500 RUB; first year of maintenance — 0 RUB. From the second year onwards — 500 RUB annually.

Advantages of the Marki card from Pochta Bank

Under the terms of the Marki debit card from Pochta Bank, you can choose a convenient loyalty program every month to earn points in accordance with the tariff plan.

Advantages of the banking product:

• You can choose several convenient loyalty programs and use them to save money.
• The card supports all convenient usage schemes.
• Low annual maintenance cost.
• You can accumulate points and spend them on goods and services at the end of the reporting period.
• Free mobile software and free access to internet banking management are available.
• Instant issuance. You don't have to wait several days to get the card and start using it.

As for disadvantages, this card has some. If you want to receive necessary updates, SMS banking is subject to a fee.

Bonus programs provided for the debit card

According to reviews, the loyalty program of the Marki card from Pochta Bank features an interesting scheme. You need to choose a suitable category, but only one. You can use one program during the month, and next month you have the right to change the active loyalty program.

The following services and programs are included in the "Earn Points" loyalty program:

1. S7 Airlines program. Earn 5 miles for every 100 RUB spent. You can accumulate enough for business class flight tickets.
2. "Perekrestok" program. Earn 45 points for every 100 RUB spent at Perekrestok supermarkets. Exchange the earned points for goods.
3. M.Video program. Get 5 points for every 100 RUB spent. Exchange points to cover up to 50% of the price of goods in M.Video stores.
4. "36.6" program. Earn 5 points for every 100 RUB spent and pay for up to 50% of the cost of goods at 36.6 pharmacies.
5. "AlfaStrakhovanie" program. Earn 25 Alfa-points for every 100 RUB spent. Pay for CASCO, Alfa-Remont, Good Neighbors, and Travel services up to 30% of the service cost.
6. "MTS Cashback" program. Get 5 points for every 100 RUB spent within the MTS network and use them to pay for goods and services at MTS retail stores.
7. "Pyaterochka" program. For every 100 RUB spent with the "Vyrutchay-ka" card, get 45 points and spend them on purchases in the retail chain, covering up to 100% of the goods' value.
8. "TSUM Discount" program. For every purchase starting from 100 RUB, guaranteed get 5 points and pay for up to 100% of the goods' value in the TSUM Discount network.
9. "GORZDRAV Pharmacies" program. Spend 100 RUB and get 5 points, then use them to cover up to 99% of the cost of goods at the pharmacy.
10. "Rostelecom" program. Get 50 points for every 100 RUB spent in stores and spend them at Rostelecom to pay for services. You need to activate the "Bonus Program" service on the Rostelecom platform to pay for communication services and other interactive goods.

This is just a small list of what is currently available with the Marki debit card from Pochta Bank. The financial institution constantly adds new loyalty programs, creating convenient usage schemes for cardholders.

To start accumulating points, log in to your Personal Account using your phone number and password.

How to calculate the benefit from the loyalty program

To understand how profitable it is to use the Marki card with a bonus program enabled, make approximate calculations using the special form.

1. Select a bank card. In our case, the Marki card.
2. Specify your monthly spending. Let's say 40,000 RUB.
3. Select the bonus program you are interested in. We choose M.Club.
4. Set the minimum card balance. For example, 20,000 RUB.
5. Let's look at the calculations. Based on the data provided, you can save 800 RUB per month.

You can calculate savings in a similar way by choosing other loyalty programs.

The maximum amount of bonus rubles accrued per calendar month cannot exceed 5,000 RUB per card.

If the maintained balance on the card is 20,000 RUB or more, you receive increased rewards — 2 bonus rubles per 100 Russian rubles.

The conversion rate is set by the loyalty program.