Profitable online shopping with the "Online 2.0" card from Pochta Bank

Virtual cards allow you to safely and comfortably make payments and online purchases. The new version of the Pochta Bank debit card "Online 2.0" allows you to quickly and, most importantly, safely make payments in online stores using all the necessary details. You need an email address and a mobile phone number, where the main information about the banking product will be sent – payment details, CVV code, card number, and expiration date. You can order the Pochta Bank "Online 2.0" debit card using the financial services selection assistant.

After your application is approved, it takes only 15 seconds to install the banking product as an app on your mobile device or in online banking. The card has all the characteristics of a banking document, despite the lack of a physical carrier. Payment systems for the card are Visa or Mastercard, and the maximum validity period of the virtual card from Pochta Bank is 36 months. An additional feature of the card is that you can order a custom design; for this, simply submit any image, after which your own design will be available for the banking product.

What are the benefits of the Pochta Bank "Online 2.0" debit card?

If you want to order the Pochta Bank Online 2.0 debit card, the application includes ordering the additional "Custom Design" service, which includes the following:

• Upload any image permitted by law for placement on the front and back of the card.
• There is no fee for the first year of maintenance. Starting from the second year – 700 RUB.
• A card issuance fee of 1,100 RUB is charged, of which 400 RUB is for the custom design.
• Card reissuance is not provided, except under the "Other grounds" conditions, where a fee of 50 RUB is charged (without ordering a custom design).
• The fee for an interbank transfer is 0.8%, with a minimum of 15 RUB and a maximum of 1,000 RUB.
• Cash withdrawals at Pochta Bank ATMs are free; at other banks, the fee is 1% with a minimum of 100 RUB.
• A withdrawal limit of 50,000 RUB per month is established.

In other cases, identification will be required. If the cardholder does not have standard identification, the maximum balance for the account is no more than 15,000 RUB; for those who have passed identification, no more than 60,000 RUB can be held in the account.

To make profitable use of the card, you need to connect the "Online Shopper Package," which has a number of features. In particular, if you have not previously connected this package, after purchasing goods in the amount of 7,500 RUB, you will be automatically connected to the service. The cost of the "Package" will be 300 RUB.

1. "Best Price Product" privilege. If you bought a product and it turned out to be cheaper than in other stores, the service will refund you the price difference. There is also an "Accidental Equipment Damage" service, where you can get insurance refunds of up to 30,000 RUB.
2. "Free Equipment Repair" privilege. If you bought a product, it will be repaired for free under your loyalty card. In extreme cases, you can count on insurance compensation in the amount of up to 30,000 RUB.
3. "Product Return" privilege. If you bought a product in an online store that did not suit you for some reason, the bank will refund your money. The maximum refund and compensation amount is 3,000 RUB.
4. Get cashback up to 12%. This is a game-like program where dice are rolled, and you are randomly awarded cashback up to 12% for a purchase. To do this, you need to activate the "Chance" program

Main principle of the "Chance" program

Always pay for purchases using your smartphone after pre-installing Apple Pay, Google Pay, and Samsung Pay.

• Open the Online Pochta Bank app and launch the "Dice" service on the main screen.
• Specify the number of transactions performed.
• Select any number in the range of 2-12.
• Roll the dice and make sure the resulting combination matches your selected random number.

Advantages of the "Online 2.0" virtual card from Pochta Bank:

• No need to carry a physical banking product with you.
• Secure payment is guaranteed by 3D Secure contactless technology.
• The card is available to any individual without visiting a bank office.
• Payments can be made both via computer and using a smartphone that supports downloading the credit organization's mobile application.
• There is a great system of privileges in the form of the "Online Shopper Package."
• Special service conditions are provided for the custom-designed virtual card.

In some cases, minors aged 14-18 are allowed to apply for the Pochta Bank Online debit card via an online application. In this case, written consent from a legal representative is required.