Smart Mir debit card from Gazprombank

You can get a debit card for free. You can also get an additional card for free. But only one — you will have to pay 200 RUB for each subsequent one.

Card maintenance will be just as free for you. But if you want to receive notifications about deposits and withdrawals, you will have to connect an additional service. Its cost is 99 RUB per month starting from the second month of use.

Additionally, you can connect the "Gazprombank Privileges" service. In this case, transaction alerts will be free for you.

As always, you can top up your card for free using the following convenient methods:

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

Cash withdrawal terms depend on whether you have the "Gazprombank Privileges" service connected or not.

With the "Gazprombank Privileges" service

You can withdraw cash without commission at Gazprombank ATMs and cash withdrawal points up to 300,000 RUB per month. You can also do this at ATMs and cash withdrawal points of other banks up to 200,000 RUB per month. If you exceed this limit, you will have to pay 1%, but not less than 300 RUB.

Without the "Gazprombank Privileges" service

You can withdraw cash without commission at Gazprombank ATMs and cash withdrawal points up to 300,000 RUB per month. You can also do this at ATMs and cash withdrawal points of other banks up to 100,000 RUB per month. The commission for exceeding this limit is also 1%, but not less than 300 RUB.

For withdrawing money from the card outside the Russian Federation in both cases, you will need to pay an extra 450 RUB for each transaction.

Inter-bank transfer terms also depend on whether you have the "Gazprombank Privileges" service connected or not.

With the "Gazprombank Privileges" service

You can send money to other banks without commission by phone number via the Faster Payments System up to 150,000 RUB per month. If you exceed this limit, you will have to pay 0.5%, but no more than 1,500 RUB. You can also send money without commission by card number up to 30,000 RUB per month. The commission for exceeding this limit is 1.5%, but not less than 50 RUB.

Without the "Gazprombank Privileges" service

You can also send money fee-free via phone number through the FPS up to 100,000 RUB per month. If you exceed this limit, the fee will be 0.5%, with a maximum of 1,500 RUB. For card number transfers, you will have to pay an extra 1.5%, with a minimum of 50 рублей.

In both cases, you can also send money for free between your own accounts up to 30,000,000 RUB per month.

When using the Mir Smart Card, you can choose one of two loyalty programs: "Simple Cashback" or "Smart Cashback".

Simple Cashback

When choosing the "Simple Cashback" loyalty program, paying with your card allows you to earn cashback on purchases:

• 2% on everything with privileges;
• 1.5% on everything without privileges.

To earn cashback, you need to make purchases starting from 5,000 RUB per month. The maximum reward you can receive is 5,000 points per month with privileges and 3,000 points per month without privileges.

Smart Cashback

When choosing the "Smart Cashback" loyalty program, you can earn cashback on purchases:

• 5% on purchases in clothing, footwear, gas stations, taxis, public transport, and pharmacies, and 1% on everything else with privileges;
• 3% on purchases in clothing, footwear, gas stations, taxis, public transport, and pharmacies without privileges.

The cashback accrual terms here are the same as in the previous case. Also, when choosing any loyalty program, you can get up to 50% for purchases at Gazprombank partner stores.

You can use the received bonuses in the following ways:

1. Convert them into rubles when accumulating from 700 points at the rate of 1 point = 0.8 RUB.
2. Compensate for purchases from 1,000 RUB at the rate of 1 point = 1 RUB.

The Mir Smart Card debit card does not provide interest on the account balance. However, if you have savings and want to earn a small income, you can open a savings account.

Its yield is 20% per annum for the first two months from the opening date for new customers. Thereafter, the base interest rate is 10% per annum. But if you are a GPB Mobile subscriber or a Gazprombank salary client, you can receive a bonus of 0.5% per annum or 0.3% per annum, respectively.

Free benefits:

• issuance of a primary and one supplementary card;
• free courier delivery of the card to your home if you live in a city within the bank's service area
• card maintenance without meeting any conditions;
• use of the mobile app and online banking;
• card top-up at Gazprombank and partner bank ATMs, via card-to-card transfers from other banks, and through the FPS;
• cash withdrawal at Gazprombank ATMs up to 300,000 RUB per month and at other banks' ATMs up to 200,000 RUB per month;
• transfers between your own accounts and to clients of other banks by phone number through the Faster Payments System up to 150,000 RUB per month and by card number up to 30,000 RUB per month;
• cashback accrual of up to 50% of the purchase amount.

Cons:

• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.