A banking product for football fans – the FC Otkritie Optimal Gladiator debit card

Credit institutions do not often pamper football fans with cobranded bank cards. However, there is a genuinely interesting banking product: the Optimal Gladiator debit card from Otkritie. This interesting payment instrument, which can be issued with your choice of the Mir, Visa, or Mastercard payment systems, helps you earn on purchases, receive denarii, and exchange them for FC Spartak merchandise through the loyalty program.

You are guaranteed to receive 1.2 denarii for every 100 RUB spent, and after your first purchase, the bank will credit you with a welcome bonus of 300 denarii. But that is not all the perks of the bank card. By keeping funds in your account, you can earn interest on the balance by activating the "My Piggy Bank" option, which yields 6.5% per annum.

How to use the FC Otkritie Optimal Gladiator card profitably and comfortably

Why Spartak fans choose the Gladiator Optimal tariff debit card and what this banking product offers cardholders. Although premium conditions are not provided for this banking product, fans can still use the card to interact with the FC Spartak loyalty program (registration on the football club's website is required).

Key benefits of the Otkritie Bank Optimal Gladiator card:

• Make any first purchase and get a guaranteed 300 denarii.
• Get a guaranteed 1.2 denarii for every 100 RUB spent on purchases in stores.
• Activate the "My Piggy Bank" service and earn 6.5% per annum on your account balance.
• SMS alerts will cost you only 59 RUB per month.

Additional services provided for the Optimal tariff debit card Gladiator FC Otkritie include the following options:

• You can link your season ticket to the card via the FC Spartak loyalty program.
• You can withdraw any cash at any ATM in Russia completely free of charge.
• You can make utility payments and other vital payments free of charge with a 0 RUB commission.
• You can set up Pay and make all card payments with a single tap.

The card has a maintenance fee of 299 RUB per month, which can be waived if you meet the following minimum requirements:

• An average monthly account and deposit balance of 300,000 RUB or more.
• An average monthly balance of 150,000 RUB, including deposits, and an additional card turnover of at least 20,000 RUB per month.
• Inflows from external sources of 50,000 RUB per month and a turnover of any amount starting from 1 RUB during the reporting period.

Meeting at least one of these conditions exempts you from paying the 299 RUB monthly maintenance fee.

Once you accumulate denarii, you can exchange them at a rate of 1 denarius = 1 RUB to purchase merchandise through the FC Spartak loyalty program. We recommend reviewing this program and registering your account on the football club's website.

The cardholder can open up to 3 additional cards, which are subject to an annual maintenance fee of 1,500 RUB per 12 months. Urgent card issuance carries a fee of 1,500 RUB.