Lukoil debit card from Otkritie

An Otkritie client can get one primary and up to three additional cards free of charge. Card reissue due to expiry, change of personal data, defective plastic, physical wear, etc. is also free. For issuing a new card to replace an old one due to loss, PIN loss, or damage, the bank charges a one-time fee of 650 RUB. Card maintenance is always free.

You can also enable notifications about credits and debits. This service costs 79 RUB per month for Push and Push Pro and 99 RUB per month for SMS. Notifications are free for the first 30 days from receipt.

The holder can top up the Otkritie debit card without a fee by transferring between their own accounts or depositing cash at Otkritie and partner bank ATMs. Funds can also be credited to the card in the following ways:

• transfer by bank card number;
• transfer by phone number via the Faster Payments System;
• via a bank account wire transfer.

Otkritie's current partner list includes:

• Alfa-Bank;
• Gazprombank;
• Bank ZENIT;
• URALSIB;
• Raiffeisenbank;
• Tinkoff Bank;
• Bank Sinara;
• UniCredit Bank;
• Promsvyazbank;
• Sovcombank;
• BCS Bank;
• VTB;
• ROSBANK;
• SKB Primorye "Primsotsbank";
• RNKB;
• Saint Petersburg.

The bank charges no fee for cash withdrawals at Otkritie and partner ATMs. The holder can also withdraw cash free of charge at Otkritie cash dispensing points. 

In addition, the bank charges no cash withdrawal fee if at least one of the following conditions is met:

• maintaining a minimum balance in accounts and deposits of 300 thousand RUB or more;
• maintaining a minimum balance in accounts and deposits of 150 thousand RUB or more and making purchases totaling at least 20 thousand RUB per month;
• receiving at least 50 thousand RUB to the card per month and making at least one purchase. 

In other cases, the holder pays a fee of 1% of the transaction, but not less than 250 RUB.

The holder can transfer money free of charge between their own accounts at Otkritie. The bank also charges no fee for transfers to clients of other credit institutions by card number for amounts up to 20 thousand RUB per month. If this limit is exceeded, a fee of 1.5% of the transaction, but not less than 50 RUB, applies.

When paying with the LUKOIL debit card, the holder can earn cashback on purchases. It is accrued as follows:

• 1 point for every 100 RUB spent on regular purchases;
• 5 points for every 100 RUB spent at LUKOIL filling stations.

In addition, Otkritie awards 300 welcome points after the first purchase.

Otkritie does not accrue interest on the balance of the LUKOIL debit card. The card holder can additionally open a "Kopilka" savings account. The maximum interest rate on it is 12% per annum.