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QIWI Bank Sovest installment card
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Articles about installment cards
About the card
QIWI Bank's "Sovest" installment card for great purchases with cashback from partners
To get cashback on the QIWI Bank installment card, you need to follow simple conditions that will help borrowers use the banking product profitably for purchases in partner store networks. The main bonus is that you can use the card for installment purchases from partners for 12 months. To become a loyalty program participant, you need to have a "Sovest" installment card personal account with bonuses, which will make the loyalty program management scheme clear to you. The maximum credit limit from QIWI Bank on the card is 300,000 RUB, and there are no fees charged for the card.
Features of the "Sovest" installment card from QIWI Bank
All partners of the "Sovest" installment card from QIWI Bank offer unique loyalty programs providing installments for a period of 1 to 12 months. Currently, QIWI Bank has agreements with more than 50,000 partner stores.
The cashback program for profitably applying for the online "Sovest" installment card from QIWI Bank has the following criteria.
- Always make purchases using the installment card, and bonuses will automatically appear in your personal account under the "Points for installments" section.
- Earn points at a rate of 1 point = 1 RUB.
- Once you have accumulated enough points, you will automatically move to the next level.
- You will then receive gifts in your Personal Account.
- The "Gift Box" option: here you will find out what the Sovest card partners have prepared for you.
- The "25% cashback on all options" feature from QIWI Bank for the Sovest installment card.
The gifts associated with the Sovest installment card with cashback deserve a closer look.
Earn up to 10% cashback from partners in the "Favorite shopping places" category.
- Get a 40% discount when activating the "Desyatka" and "Purchases in all stores in Russia" options.
- 25% cashback on all activated options. You can extend the installment period up to 10 months. You can withdraw cash at any ATM in Russia. You can make purchases at any store in Russia and worldwide.
- More bonus offers with no registration or SMS required. Register your personal account to get 3,000 bonus points. Complete specific tasks to earn prizes of up to 5,000 points. Earn 6 times more points by using the multiplier system on the service.
To become a full participant in the cashback project for the QIWI Bank Sovest card, you need to update the mobile application and install the latest version of your personal account.
Terms
- Age from 18 to 75 years, though the bank may set its own age limits for borrowers depending on the region.
- Russian citizenship is required.
- Permanent registration in one of the regions of Russia is required.
- Official employment for at least 6 months is required.
The bank reserves the right to review an application without proof of official income, but in this case, you will receive the minimum credit limit starting from 10,000 RUB.
- Age: 18-75 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary in the Russian Federation.
- Mobile phone: required.
- Work experience: at least 6 months.
- Passport of a citizen of the Russian Federation.
- Passport registration details.
- 2-NDFL certificate (optional).
- Pension certificate.
- Income details (for all categories, including students and pensioners).
In addition, the bank has the right to request other documents from borrowers to approve the application.
- Identity document: Russian citizen passport.
- A 2-NDFL certificate or a bank-format certificate from your employer confirming your income.
The financial services comparison service invites you to apply for the Sovest installment card with cashback from the bank's partners. To properly submit your application, follow these guidelines:
- Read reviews of the Sovest installment card on our service and go to the bank's official website to submit an application.
- Provide the required information to fill out the application form (fill in every field without exception).
- Provide your contact phone number and email address.
- Submit your application.
- Wait for the credit institution's decision within a few minutes.
Next, a bank courier will contact you to confirm the delivery address and time for the banking product. QIWI Bank does not have its own branches; the installment card is delivered by its own courier service in a number of regions across the country.
While cashback can be converted into real money with other credit institutions, with the installment card—despite the 1 point = 1 RUB conversion rate—bonuses cannot be monetized. As you complete each stage of the tasks, the points you earn can only be spent on:
- Activating the "Desyatka" program (up to 100% of the cost).
- Free activation of the "Purchases in all stores in Russia" option, or partial payment.
- Full or partial activation of the "Cash withdrawal" option.
- Reducing the commission for the "Purchases abroad" option.
Thus, the cashback earned can ultimately only be spent on paying for options; points cannot be exchanged for real money or other discounts. At the same time, the constantly updated loyalty program for the Sovest card introduces new offers that will allow future exchanges of earned points and bonuses for real discounts at partner stores. The card features no initial down payment (0 RUB), no annual maintenance fee (0 RUB), and an interest-free installment period ranging from 1 to 12 months. The exact installment period for a specific transaction can be found in an SMS notification or by checking online banking.
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Answers to questions
How long does it take for my application for the Sovest card to be reviewed?
Depending on the submission method, from 3 minutes to 24 hours.
How will I find out the decision on my submitted application?
You will receive an initial SMS notification about the approved application. The second SMS message will indicate the credit limit and the procedure for receiving the banking product.
How will my installment card be delivered?
In most cases, the card is delivered exclusively by a courier service. In a number of regions (not for all), delivery is available via Russian Post. The card is unavailable in some regions.
How to properly activate the Sovest installment card?
First, a courier will deliver the card to you, where you need to sign the agreement. Next, you send an SMS notification for activation to the numbers 5125 or +79037976001. Sending SMS notifications is paid.
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