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Credit Europe BankSmart UnionPay Debit Card from Gazprombank
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About the card
After Visa and MasterCard suspended their operations in Russia, UnionPay cards became one of the few ways to make cashless payments abroad, withdraw cash there, and make purchases in foreign online stores. Today, far from every Russian bank allows you to issue such cards. For example, you can get the Smart UnionPay card at Gazprombank — the credit institution offers favorable service terms to everyone who submits an application for its issuance.
Terms
To issue the Smart UnionPay card, the future holder will need to pay a one-time fee of 5,000 RUB. The same fee applies to issuing additional cards and reissuing them. Card usage is always free.
Additionally, the Gazprombank client can enable transaction alerts. This service is free for the first two months from the card issue date. Afterward, its cost will be 99 RUB per month.
Transaction alerts will also be free for the entire validity period of the card when subscribing to the GPB Plus service.
The cardholder can top up the Smart UnionPay debit card without commission via transfers between their own accounts and at Gazprombank ATMs and cash service offices. In addition, free top-ups are provided in the following ways:
- transfer by bank card number;
- transfer by phone number via the Faster Payments System;
- via a bank account wire transfer.
The holder can withdraw cash from the debit card free of charge at Gazprombank ATMs up to 1.5 million RUB per month with the GPB Plus service enabled, and up to 1 million RUB per month without it. If the limits are exceeded, the cardholder will be required to pay a fee of:
- 1% of the transaction amount, but not less than 300 RUB for withdrawals from 1.5 to 2 million RUB per month with the service enabled;
- 10% of the transaction amount, but not less than 300 RUB for withdrawals from 2 to 4 million RUB per month with the service enabled.
Without the service:
- 1% of the transaction amount, but not less than 300 RUB for withdrawals from 1 to 2 million RUB per month.
In addition, the Smart UnionPay cardholder can withdraw cash free of charge at ATMs of other banks up to 200,000 RUB per month with the GPB Plus service enabled and up to 100,000 RUB per month without it. If these limits are exceeded, they will need to pay a fee of:
- 1% of the transaction amount, but not less than 300 RUB for withdrawals from 200,000 to 1 million RUB per month with the service enabled;
- 10% of the transaction amount, but not less than 300 RUB for withdrawals from 1 to 4 million RUB per month with the service enabled.
Without the service:
- 1% of the transaction amount, but not less than 300 RUB for withdrawals from 100,000 to 1 million RUB per month;
- 10% of the transaction amount, but not less than 300 RUB for withdrawals from 1 to 2 million RUB per month.
The holder can transfer money from the card for free between their own accounts and to other Gazprombank clients. The cardholder can also send funds without commission to clients of other banks by phone number via the Faster Payments System up to 150,000 RUB per month with the GPB Plus service enabled and up to 100,000 RUB per month without it. If these limits are exceeded, they will need to pay a fee of 0.5% of the transaction amount, but not more than 1,500 RUB.
In addition, the cardholder can transfer money to clients of other banks for free by card number up to 30,000 RUB per month with GPB Plus enabled. If the limit is exceeded, as well as if the service is not active, they will need to pay a fee of 1.5% of the transaction amount, but not less than 50 RUB.
The fee for transfers by account details is 1.5% of the amount, but not less than 20 RUB.
The cardholder can choose one of four loyalty programs: Smart Cashback, Simple Cashback, Gazprombank Travel, or Aeroflot Bonus. In the first case, the cardholder can receive:
- 5% of the amount spent on purchases in the Clothing and Footwear, Gas Stations, Taxis and Public Transport categories, and 1% on regular purchases with the service;
- or 3% for purchases in the Clothing and Footwear, Gas Stations, Taxis and Public Transport categories without the service.
Under the Simple Cashback loyalty program, the bank awards:
- 2% of the amount spent on regular purchases when GPB Plus is enabled;
- 1.5% for regular purchases without GPB Plus.
When choosing the Gazprombank Travel loyalty program, the cardholder can receive:
- 1% of the amount spent on regular purchases with card spending starting from 5,000 RUB per month;
- 2% for regular purchases with card spending starting from 30,000 RUB per month;
- 4% for regular purchases when spending 75,000 RUB or more per month with the card;
- 2% for buying airline tickets on the website Gazprombank-Travel;
- 4% for booking cars and buying bus tickets on the website Gazprombank-Travel;
- 5% for buying train tickets on the website Gazprombank-Travel;
- 6% for hotel booking on the website Gazprombank-Travel.
Under the Aeroflot Bonus loyalty program, the bank awards:
- 2.5 miles for every 100 RUB spent when subscribing to GPB Plus;
- 1.5 miles without the service.
In addition, the debit card holder can earn up to 50% on purchases at Gazprombank's partner stores.
The cardholder can earn 5% per annum on the card balance up to 100,000 RUB, provided a minimum balance of 30,000 RUB is maintained and the GPB Plus service is enabled.
| Pros | Cons |
| The bank charges no annual fee for the debit card | Issuing primary and additional cards, as well as their reissuance, will cost the holder 5,000 RUB |
| If necessary, the cardholder can arrange for courier delivery to their home or office | The bank charges a higher fee for cash withdrawals and interbank transfers when limits are exceeded |
| The bank charges no fee for cash withdrawals up to 1,500,000 RUB at its own ATMs and up to 100,000 RUB at ATMs of other banks when subscribing to GPB Plus | |
| The cardholder is not required to pay a fee for transfers via the Faster Payments System up to 150,000 RUB per month and by card number up to 30,000 RUB per month when the service is enabled | |
| The cardholder can choose one of four loyalty programs and earn up to 50% of the purchase amount | |
| The bank pays 5% per annum on the card balance up to 100,000 RUB, provided a minimum balance of 30,000 RUB is maintained and the service is enabled |
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| The cardholder can use it to pay in more than 150 countries, including Turkey and the UAE |
How to apply
You can apply for the Smart UnionPay debit card at a Gazprombank branch — in this case, the holder will need to visit the office during business hours with a Russian passport. You can also apply for the card online on the credit institution's official website. To do this, the future owner needs to go to the card application page and click the "Apply for card" button.
Next, the user needs to enter their last name, first name, and patronymic, mobile phone number, and email address. They also need to check the box and click the "Next" button.
Next, the future holder needs to enter the confirmation code from the SMS message. The next step requires them to provide passport details, permanent registration address, and actual residential address, and click the "Next" button.
Then the user needs to choose a loyalty program, create and enter a codeword, and specify the city and card pickup method. Finally, they need to click the "Send application" button.
Rates
at Gazprombank ATMs for amounts up to 1,000,000 RUB without the "GPB Plus" service — free of charge;
at Gazprombank ATMs when limits are exceeded — from 1%, but not less than 300 RUB;
at third-party bank ATMs for amounts up to 200,000 RUB per month with the "GPB Plus" service enabled — free of charge;
at third-party bank ATMs for amounts up to 100,000 RUB per month without the "GPB Plus" service — free of charge;
at third-party bank ATMs when limits are exceeded — from 1%, but not less than 300 RUB
to other Gazprombank 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 with the "GPB Plus" service enabled — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 100 000 RUB per month without the "GPB Plus" service — free of charge;
to clients of other banks by phone number via the Faster Payments System when limits are exceeded — 0.5%, but not more than 1 500 RUB;
to clients of other banks by card number for amounts up to 30 000 RUB per month when subscribing to the "GPB Plus" service — free of charge;
to clients of other banks by card number in other cases — 1.5%, but not less than 50 RUB
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