Mir Supreme Debit Card from Gazprombank

The issuance of this debit card is free. And you will be able to use the card without commission only in the first month from the date of its receipt. Thereafter, the commission is 2,990 RUB per month. At the same time, you will be able to use the card for free if you fulfill one of the conditions:

1. Pay for purchases in the amount of 50,000 RUB or more per month and maintain a minimum balance in Gazprombank accounts of 1,000,000 RUB or more per month.
2. Maintain a minimum balance in Gazprombank accounts of 2,000,000 RUB or more per month.
3. Pay for purchases in the amount of 50,000 RUB or more per month and receive a salary on the card in the amount of 250,000 RUB or more per month.

If you want to receive notifications about deposits and withdrawals, you can connect an additional service. It is always free.

You can top up the "Mir Supreme" card using standard methods:

• with cash at Gazprombank ATMs and cash desks;
• via transfers from other banks by card number;
• via transfers from other banks by phone number through the FPS.

Gazprombank offers favorable conditions for cash withdrawals. You can cash out the card without commission at ATMs of any banks worldwide.

The terms for transfers are not as favorable here. You can send money for free between your own accounts up to 30,000,000 RUB per month, as well as to other Gazprombank clients. For transfers to third-party credit organizations by card number, you will have to pay a commission of 1.5%, but not less than 50 RUB.

There are four loyalty programs valid for this card: "Smart Cashback", "Clear Cashback", "Travel", and "Aeroflot Bonus". You can choose one of these programs every month.

Smart Cashback

When choosing this bonus program, you will receive up to 1% on regular purchases and up to 15% on purchases in categories with maximum spending:

• 5% when paying for purchases in the amount of 15,000 to 100,000 RUB per month;
• 10% when paying for purchases in the amount of 100,000 to 200,000 RUB per month;
• 15% when paying for purchases from 200,000 RUB per month.

Simple Cashback

This loyalty program is much simpler. By choosing it, you will only receive 1.5% cashback for all card purchases. But for this, you will have to make purchases in the amount of 15,000 RUB or more per month. The maximum cashback amount you can receive is 20,000 RUB per month.

Travel

When you choose this bonus program, Gazprombank will accrue:

• 3 miles for every 100 RUB spent when paying for purchases in the amount of 15,000 to 75,000 RUB per month;
• 4 miles for every 100 RUB spent when paying for purchases in the amount of 75,000 to 150,000 RUB per month;
• 5 miles for every 100 RUB spent on purchases totaling 150,000 RUB or more per month;
• up to 11 miles for every 100 RUB spent on the Gazprombank-Travel website.

Aeroflot Bonus

If you choose this loyalty program, you will receive:

• 2 miles for every 100 RUB spent without the Privilegii Premium service;
• 5 miles for every 100 RUB spent with the Privilegii Premium service.

Also, regardless of the bonus program you choose, Gazprombank will award up to 50% cashback for purchases at partner stores.

You can also receive cashback and discounts of up to 50% from the Privet, Mir loyalty program.

Also, as a premium cardholder, you can choose one of two privilege programs each month:

• Sport. This program includes your choice of an X-FIT, FITMOST, or World Class membership and discounts from partners.
• Comfortable Travel. This program provides free business-class car transfers, airport lounge access, and travel insurance with coverage of up to 1,000,000 dollars.

The debit card does not provide for interest on the account balance. However, if you have savings and want to earn a small income on them, we recommend opening a savings account with a yield of up to 20.5% per annum.

This interest rate applies for the first 2 months from the opening date, provided this is your first account with Gazprombank in the last 90 days. Thereafter, the maximum yield is 13.5% per annum.

Pros:

• free maintenance subject to conditions;
• free use of the mobile app and online banking;
• free top-ups at Gazprombank ATMs, via transfers from other banks by card number and phone number through the SBP;
• free cash withdrawals at any bank ATMs worldwide without limits;
• free transfers between your own accounts and to other Gazprombank customers;
• cashback accrual of up to 50% on purchases.

Cons:

• paid card issuance;
• paid maintenance if conditions are not met;
• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.