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My Life debit card from UBRD
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Articles about debit cards
About the card
"My Life" from UBRD is one of the few debit cards that provides cashback for utility bill payments. By paying bills in the mobile app or on the bank's website, you can partially offset your expenses through the accrued rewards. In addition, the card features free annual maintenance, cash withdrawals, and interbank transfers with no commission.
Terms
Issuance of the main card, as well as its reissue due to expiration or at the bank's initiative, is completely free. You also do not need to pay for the annual maintenance of the card. As an additional service, you can enable transaction alerts. The cost of this service is 99 RUB per month. Transaction alerts are free during the first month of service.
You can top up your card for free at UBRD's own ATMs. Top-ups without commission are also available via a transfer from another bank in any of the following ways:
- by bank card number;
- by phone number via the Faster Payments System;
- via bank account details.
You can withdraw cash for free at UBRD's own ATMs and partner banks: Alfa-Bank, VUZ-Bank, Raiffeisenbank, Promsvyazbank, VTB, and Otkritie. You can also use ATMs of other credit institutions for up to 100,000 RUB per day in the first month of service with no conditions, and thereafter upon making purchases of 5,000 RUB or more per month. If the conditions described above are not met, you will need to pay a commission of 1% of the transaction amount, but not less than 120 RUB.
You can transfer money for free between your own accounts and to other UBRD clients. You can make transfers to clients of other credit institutions without commission by phone number via the Faster Payments System for up to 100,000 RUB per month. If you exceed the limit, you will need to pay a commission of 0.5% of the transaction, but no more than 1,500 RUB. The fee for transfers by card number is 2.1% of the amount, but not less than 30 RUB.
Like other banks, UBRD rewards its clients for using a debit card and accrues cashback for purchases. Thus, you can receive:
- 1% of the spent amount for regular purchases;
- 3% for purchases in the categories "Alcohol Stores", "Fuel and Gas Stations", "Pharmacies", and "Clothing and Footwear";
- 5% for utility bill payments in the mobile app and online banking;
- 5% for purchases in online stores if the "More Pluses" option is enabled;
- up to 35% for purchases at UBRD partner stores.
You can only receive cashback when making purchases of 5,000 RUB or more per month. The maximum reward amount is 1,700 bonus rubles per month. Specifically, for purchases in online stores you can receive no more than 500 bonus rubles per month, and for purchases in categories, no more than 300 bonus rubles.
Pros:
- free issuance of the main card, as well as its reissuance due to expiration;
- free courier delivery of the card to your home, if you live in a city within the bank's service area;
- free card maintenance without meeting any conditions;
- free use of the mobile app and online banking;
- free card top-up at UBRD ATMs and via transfers from other banks;
- free cash withdrawals at UBRD and partner bank ATMs, as well as ATMs of other banks subject to the terms of the agreement;
- free transfers within UBRD and to clients of other banks by phone number via the Faster Payments System for up to 100,000 RUB per month;
- cashback accrual of up to 35% of the purchase amount.
Cons:
- high commission for top-ups and cash withdrawals when limits are exceeded.
How to apply
You can apply for a debit card either at a UBRD branch or online on the credit institution's official website. In the first case, you will need to visit a bank office with your passport. To apply online, you will need:
- go to the UBRd website;
- enter your mobile phone number;
- click the “Next” button;
- enter the code from the SMS message;
- provide your last name, first name, patronymic, date of birth, and email address;
- click the “Next” button;
- provide the delivery address, date and time of the meeting with the courier, and passport details;
- click the "Submit Application" button.
Rates
at third-party bank ATMs for amounts up to 100,000 RUB per day — free of charge;
at third-party bank ATMs in other cases — 1%, but not less than 120 RUB
to other UBRd clients — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 150,000 RUB per month — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts starting from 150,000 RUB per month — 0.5%, but not more than 1,500 RUB;
to clients of other banks by card number — 2.1%, but not less than 30 RUB
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