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Debit card Pyaterochka from Pochta Bank

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No-fee cash withdrawals
No-fee cash withdrawals
up to 100,000 RUB
Interest on balance
Interest on balance
up to 0 %
Cost
Cost
69 ₽
Overdraft
Overdraft
No
Cashback
Cashback
up to 5 %
Decision
Decision
From 5 min
Debit card Pyaterochka from Pochta Bank
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Updated: 31.10.2024

About the card

Buy goods with the Pyaterochka debit card from Pochta Bank and get benefits

The largest retail chain Pyaterochka is quite well-known among shoppers. According to statistics, this particular retail chain ranks second in attendance among users in Russia, and the Pyaterochka debit card from Pochta Bank will help you earn and accumulate points, which can later be exchanged for food products in the stores of the retail chain of the same name.

The Mir Pyaterochka debit payment card from Pochta Bank has the most attractive maintenance terms for visitors to Russia's largest retail chain. You buy goods, receive bonuses, and in addition, the credit institution promises to accrue up to 6.0% per annum on the balance of your own funds.

 

Favorable terms on the Pyaterochka card from Pochta Bank

Currently, the retail chain has the "Vyruchay-ka" plastic card; why is it necessary to apply for the Pochta Bank Pyaterochka card and a personal account if the terms are the same—this is a question that worries clients. No, these are actually two different products, although the essence of the program is identical and tied to shopping in the Pyaterochka retail chain.

  • A cardholder can earn 3 times more points with the Pyaterochka card from Pochta Bank than with the similar Vyruchay-ka product.
  • After you make your first purchase with the card, the institution will immediately credit you with 5,500 bonus points.
  • If you open a Savings Account at the same time, you can get free annual card maintenance for 1 year with 1 visit. From the second year onwards, it costs 900 RUB.

These are important advantages of the popular plastic card from Pochta Bank, which is in demand among the financial institution's clients. Additional benefits of the banking product include:

  • In any stores outside the retail chain, you are awarded 2 points for every 20 RUB spent.
  • For 6 months, you receive welcome bonuses for purchases totaling 555 points, but no more than 5550 points per six months.
  • You can redeem up to 100% of bonuses when buying goods at Pyaterochka stores.
  • Conversion: 10 bonuses = RUB 1.
  • Open a Savings Account and get 6% on the balance and free maintenance for the first year.
  • After your application is approved, the payment instrument is issued instantly at the office in 1 visit, within 6 minutes.
  • On the Mir network, when buying goods, you can also get up to 10% back on purchases.

Just one visit to Pochta Bank will make you a true fan of the Pyaterochka chain, where with a favorable plastic payment card you can earn good dividends and bonuses.

Bonus points accrual system

After making your first purchase in the chain, according to user reviews of the Pyaterochka debit card from PB, a welcome bonus of 555 points is credited.

  • Over the first 6 months, you can be credited with welcome bonuses of no more than 5500 points.
  • Conversion: 10 bonuses = RUB 1.
  • If you buy goods worth more than RUB 555 at Pyaterochka, you get 4 bonuses for every RUB 20 spent.
  • If you buy goods worth less than RUB 555 at Pyaterochka, you get 3 points for every RUB 20 spent.
  • In all other retail chains, 2 bonuses are accrued for every RUB 20 spent.

As an example, here is a table of points based on reviews of the well-known card from PB.

Purchases at 5Ka stores Purchases at other stores Welcome points
Per month – 1500 points Per month – 750 points 555 points for purchases over RUB 555**
Per year 18,000 points* Per year 9000 points Within 6 months, maximum 5550 points
Total RUB 1800 for 12 months Total – RUB 900 for 12 months Total – RUB 555 for six months
Over 12 months you have accumulated 32550 points = RUB 3255
You can buy a full basket of grocery sets worth RUB 3200.
Additionally – a bonus of 2500 points for your birthday***

 

*Provided that purchases are over RUB 555 per receipt.

**Provided the payment instrument is used for six months.

***The bonus is credited when the cardholder has a birthday. This moment was not taken into account in the calculation.

The Vyruchay-KA card, which is a discount card, has different terms. Namely, it has no enhanced earning programs for purchases, but rather a standard program that is known only within the Pyaterochka brand chain and is unclear to the customer.

Terms

Pochta Bank does not impose any special requirements on the future cardholder. They are standard.

  • Citizen of Russia.
  • Age from 14 years.
  • Must have a mobile phone.

For persons aged 14 to 18, the payment instrument is issued only with the consent of a legal representative. To receive the card, a bank office must be present in your region of residence.

  • Age: from 14 years.
  • Citizenship: Russian Federation.
  • Mobile phone: required.
  • Passport of a citizen of the Russian Federation.
  • Information about your permanent place of registration.
  • For borrowers aged 14–18 – written parental consent.

After the application is approved, the card is issued immediately at the bank office. You can find the nearest office on the PB website.

  • Identity document: Russian citizen passport.

The financial service comparison service offers you to apply for the Pyaterochka debit card from Pochta Bank.

  • Review the card matching service offer and follow the link to the official Pochta Bank website.
  • Fill in the application details, including your city of residence.

Note! All personal data must 100% match your passport details. If discrepancies are found, the card will not be issued.

  • Choose the office nearest to you to receive the banking product.
  • Visit the office at your convenience and sign the agreement.

Do not rush to sign the agreement without reading it. No one has the right to force you to sign immediately. By law, you can take the contract home for a more detailed review and return to the office to sign it after 1 or 2 days.

The financial institution does not offer courier delivery. Since almost every locality has a Pochta Bank branch, usually located in Russian Post offices, you can pick up the card yourself.

Use ATMs of Pochta Bank and its main partner VTB Bank to withdraw cash. Currently, more than 20,000 ATMs of both banks are available for cash withdrawal, as well as 25 Pochta Bank terminal locations (usually in Russian Post offices).

SMS alerts are free for the first two months, then RUB 49 per month.

To earn the savings portion on balances at 6%, follow the following information for bank customers. You need to open a Savings Account and then card service will be RUB 0 for the first year.

Balance amount in RUB, kopecks Savings System (all except Basic), annual rate Annual rate for the Basic System
1 kopek — RUB 999.99 0% 0%
RUB 1,000 — RUB 49,999.99 4% 0%
Over RUB 50,000 6% 5%

Attention! Since the card is intended for purchases at Pyaterochka stores, we recommend checking in your personal account or on the bank's official website which products or product groups do not qualify for the loyalty program. Similar requirements apply to other stores. To verify the information, the MCC code of the payment terminal and the product group name are used.

Interest is capitalized monthly.

Rates

Payment system
MIR
Card type
Classic, non-personalized
Currency
Russian ruble
Expiration date
60 months
Maintenance cost
Service is RUB 0 for the first year. From the second year onwards – RUB 900.
Transaction alerts
RUB 49 per month
Cash withdrawal fee
At all PB and VTB ATMs – RUB 0. At other ATMs, according to the Pochta Bank rate plan.
Transfer fee
Internal bank transfer – always RUB 0. External transfer – 0.8% of the payment, but not less than RUB 15 and no more than RUB 1,000.
Cashback
1 point for every RUB 20 on the receipt with monthly turnover up to RUB 5,000 at Pyaterochka or other stores
Interest on balance
6.0%. You need to open a savings account and link it to your card.
Overdraft
Not provided
Getting a card
At the branch
Loyalty programs
Welcome 555 points. At Pyaterochka, for purchases over RUB 555, you get 4 points for every RUB 20. At Pyaterochka for purchases under RUB 555, you get 3 points for every RUB 20. At other stores, 2 points for every RUB 20.
App
IOS, Android OS platforms
Internet bank
Yes, free of charge
3D Secure
Yes
Contactless form
Not provided
Overdraft penalties
Not provided by the program

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000
Overpayment
1 000 000
Total payment amount
9 000 000
Loan maturity
15.05.2022
Monthly payments
500 000

Answers to questions

My application was approved, how do I pick up the card?

The card is issued only upon visiting the bank and signing the agreement.

How to activate the card?

The card is issued active because it is non-personalized.

How to check the account balance?

All VTB and PB terminals – free of charge.
Internet banking and mobile banking are free.
SMS alerts cost 49 RUB per month (the first two months are 0 RUB).

I forgot my PIN code, how do I get a new one?

All VTB and PB terminals – free of charge.
Internet banking and mobile banking are free.
SMS alerts cost 49 RUB per month (the first two months are 0 RUB).

I cannot find the answer to my question

Call the hotline at 8 800 550 0770 and ask our specialists.

Other offers

Customer reviews

Leave a review
PixelPioneer
PixelPioneer
Guest
Pochta Bank
Service at Pochta Bank is top-notch! I got the Pyaterochka debit card for shopping and earning interest on the balance. Made some purchases, and the cashback was a pleasant surprise. Highly recommend!
Kira Nardina
Kira Nardina
Guest
Pochta Bank
I used the Pyaterochka card from Pochta Bank to pay for purchases at the supermarket chain of the same name. Great cashback, convenient service. Highly recommend!
MidnightMagician
MidnightMagician
Guest
Pochta Bank
I used the Pyaterochka debit card from Pochta Bank for daily shopping. It is convenient that bonuses are credited immediately. Getting cashback at Pyaterochka is real savings!
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