Review of the Gazprombank Cashback "Smart Card"

Russia's largest commercial bank, Gazprombank, is a leader in offering high-quality and popular banking products for individuals. Gazprombank's credit "Smart Cards", which feature elevated cashback and convenient loan terms, are particularly popular.

The maximum possible cashback on Gazprombank's credit Smart Card is 10%, but in addition, the financial institution offers a number of additional loyalty programs that help you spend and earn points by making transactions in the "Favorite Purchases" segment. Considering reviews of Gazprombank's credit Smart Card, the most important card options for the owner can be noted:

• A 90-day interest-free period is established, with a fixed rate of 0%.
• For those who are not bank clients, the maximum limit of Gazprombank's credit Smart Card is 150 thousand RUB, while if you receive your salary or are a depositor at the bank, the maximum credit will be 1 million RUB. In the latter case, you must have been a bank client for at least 3 months.
• Bank offices are located in more than 220 cities in Russia. You can submit an application online on our website and receive approval from a bank operator in 5 minutes.

The grace period rules apply not only to offline stores but also to payments in the "Favorite Purchases" categories via the internet, including through Gazprombank's mobile app.

Cashback terms of Gazprombank's credit Smart Card

When applying for Gazprombank's Smart Card credit card, we suggest reviewing which loyalty programs are available to borrowers. The bank has developed the "Smart Cashback" program, featuring 9 categories covered by increased cashback terms. Before using this offer, the borrower must spend on the card during the month and top up the main account.

Main categories covered by the "Smart Cashback" program:

1. Gas stations and parking lots.
2. Food service system – restaurants, fast food, cafes, bars.
3. Clothing and footwear for men, women, children, and the family.
4. Children's category – food products and child development.
5. Medical category – pharmacies, medical services.
6. Beauty industry – SPA salons, hairdressers, beauty salons, etc.
7. Film and entertainment industry.
8. Sports goods, as well as fitness.
9. Everything for the home – country house goods, home appliances.

The terms of Gazprombank's credit Smart Card for refunds under the loyalty program require the borrower to comply with the following conditions:

• Spending 5 thousand-15 thousand RUB: 3% accrual for all "Favorite" categories, 1% for the rest.
• Monthly spending of 15 thousand-75 thousand RUB: "Favorite" categories – 5%, others – 1%.
• Spending over 75 thousand RUB – "Favorite" categories – 10%, others – 1%.

In addition, miles are accrued:

• For every full 100 RUB = 1 mile, with turnover of 5 thousand-15 thousand RUB.
• For every full 100 RUB = 2 miles, with turnover of 15 thousand-75 thousand RUB.
• For every full 100 RUB = 4 miles if you spend from 75 thousand RUB per month.
• For every 100 RUB = 6 miles in the "Gazprombank – Travel" category (hotel booking).
• For every 100 RUB = 2 miles in the "Gazprombank – Travel" category (airline ticket purchase).
• For every 100 RUB = 5 miles in the "Gazprombank – Travel" category (railway ticket purchase).

In addition, the uniform cashback accrual rules apply to all types of purchases made during 1 calendar month. The minimum turnover must be at least 5 thousand RUB. If the turnover was less than 4999 RUB, cashback is accrued at 0% for all categories.