MTS CASHBACK Digital Mir debit card from MTS Bank

"MTS CASHBACK Digital" is a digital card, so you can get it for free. You also do not need to pay for its maintenance.

The card will not be free if you want to receive notifications about deposits and withdrawals. In this case, you will need to subscribe to the relevant service. Its cost is 59 rubles per month.

You can top up your digital card in the following ways:

• in cash at MTS Bank ATMs with contactless service features;
• via transfers from other banks by card number;
• by transfers from other banks by phone number via the Faster Payments System (FPS);
• by transfers from a legal entity's account up to 150,000 rubles per month without commission, then with a 5% fee.

You can withdraw cash from the card without commission at MTS Bank ATMs up to 250,000 rubles per day or up to 600,000 rubles per month. You can also do this at ATMs of other banks up to 100,000 rubles per month. If you exceed this limit, you will have to pay a 1.9% fee, but not less than 99 rubles.

You can also cash out the card at the cash desks of MTS Bank and other banks in Russia and abroad with a 1% commission, but not less than 50 rubles.

You can only withdraw cash at ATMs if contactless service is available.

You can send money to other banks without commission by phone number via the FPS up to 100,000 rubles per month. If you exceed this limit, you will have to pay a 0.5% fee, but not more than 1,500 rubles. The commission for transfers by card number is 1%, but not less than 50 rubles.

You can also send money from the card for free to other MTS Bank clients and between your own accounts up to 30,000,000 rubles per month.

The virtual debit card operates under MTS Bank's standard bonus program. By paying with this card, you can earn cashback:

• 1% on regular purchases;
• up to 5% for purchases in elevated cashback categories;
• 5% for purchases in supermarkets with the MTS Premium subscription as part of the promo campaign;
• up to 20% for purchases from partners of the Mir payment system;
• up to 25% on purchases at MTS Bank partner stores.

The "MTS CASHBACK Digital" virtual debit card does not provide for the accrual of interest on the balance. Therefore, if you have savings and want to earn income from them, we recommend opening a savings MTS Account.

Its yield is 19% per annum for the first two months from the opening date, provided you have not had any other deposits or previous accounts in the preceding 90 days. Starting from the third month, the base interest rate is 5% per annum. It applies if conditions are not met, as well as for amounts over 2 000 000 RUB.

To receive an increased rate of 13.5% per annum, you need to make purchases of 10 000 RUB or more per month. When receiving your salary on MTS Bank cards, the yield on the savings account is 14% per annum.

Pros:

• free issuance of the primary card;
• free card maintenance without meeting any conditions;
• free use of the mobile app and online banking;
• free card top-ups at MTS Bank ATMs, via transfers from other banks by card number, by phone number via the FPS, and from a legal entity's account up to 150,000 rubles per month;
• free cash withdrawals at MTS Bank ATMs up to 600 000 RUB per month and at other banks' ATMs up to 100 000 RUB per month;
• free transfers between your own accounts and to clients of other banks by phone number via the Faster Payments System up to 100,000 rubles per month;
• cashback accrual of up to 25% on purchases.

Cons:

• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance;
• not available to everyone.