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Your Cashback debit card from Promsvyazbank
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About the card
"Your Cashback" is a virtual card from Promsvyazbank with favorable maintenance terms: no usage fees, free transfers to cards of other banks, and good cashback on purchases.
Terms
Card issuance, as well as reissue due to expiration, is completely free of charge. The annual maintenance fee for the main card is 199 RUB per month. However, you can use the card for free if you make purchases totaling 5,000 RUB or more per month.
Additionally, you can enable transaction alerts. The cost of this service is 69 RUB per month. Transaction alerts are free for the first month.
You can top up your card for free at Promsvyazbank's own ATMs, via transfers between your own accounts and from cards of other credit institutions using online banking or the mobile app, as well as at Promsvyazbank cash desks.
Cash withdrawal from the card is not available.
You can transfer money for free between your own accounts and to other Promsvyazbank clients. You can transfer funds to clients of other credit institutions without commission via the Faster Payments System (SBP) for amounts up to 100,000 RUB per month. For exceeding this limit, you will need to pay a commission of 0.5%, but not more than 1,500 RUB. The fee for card-to-card number transfers is 1.5%, but not less than 30 RUB.
Please note that Promsvyazbank does not charge a commission for utility payments, mobile operator and internet provider services, tax payments, and other budgetary payments to the Russian Federation via the mobile app and online banking.
At Promsvyazbank, you can choose one of two loyalty programs depending on your preferences. In the first case, you can receive:
- 1.5% of the spent amount for regular purchases;
- up to 50% for purchases at Promsvyazbank partner stores.
In the second case, you can receive:
- 1% of the spent amount for regular purchases;
- from 2% to 5% for purchases in enhanced cashback categories;
- up to 50% for purchases at Promsvyazbank partner stores.
The maximum cashback amount for purchases in categories is 1.5 thousand bonus rubles, and the same amount applies to regular purchases. You can exchange the earned points for rubles at a rate of 1 bonus = 1 ruble.
Pros:
- free card issuance, as well as reissue due to expiration;
- free card maintenance subject to the terms of the agreement;
- free use of the mobile app and online banking;
- free card top-up at Promsvyazbank ATMs and partner banks, and via transfer from other banks;
- free transfers within Promsvyazbank and to clients of other banks by phone number via the Faster Payments System;
- cashback accrual of up to 50% of the purchase amount;
- option to exchange cashback for rubles.
Cons:
- paid annual maintenance if agreement terms are violated;
- high fee for top-ups and transfers when limits are exceeded;
- no cashback on purchases;
- no interest on the card balance.
How to apply
You can apply for a debit card either at a Promsvyazbank 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 to:
- go to the Promsvyazbank website;
- click the "Apply" button;
- provide your last name, first name, and patronymic, gender, date of birth, mobile phone number, and citizenship, and check the boxes;
- click the "Continue" button;
- verify the correctness of the entered data;
- click the "Continue" button;
- enter the confirmation code from the SMS message;
- provide passport details, registration address, and residential address;
- click the "Continue" button;
- specify card parameters and delivery method;
- click the “Continue” button.
Rates
to other Promsvyazbank clients — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 100,000 rubles per month — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts starting from 100 thousand rubles per month — 0.5%, but not more than 1.5 thousand rubles;
to clients of other banks by card number — 1.5%, but not less than 30 RUB
Calculator
Answers to questions
How to get a card?
Delivery is carried out either to a bank branch or hand-delivered to the client via courier. In both cases, you will need to show your documents and sign additional paperwork. You can find your locality in the relevant section of Promsvyazbank's official website. When ordering delivery, specify the address and time. In most cases, couriers deliver cards to clients within up to 7 days.
How do I activate the card?
Card activation is performed in standard ways: via the app or web interface, or using an ATM. Select "Activate card" and enter the digits from the code sent to your contact number into the field. If the card cannot be activated, contact an employee at the office or call center support. Please note that the card can only be used after 24 hours.
How to check the balance?
This can be done in many ways, the fastest of which are checking it via the bank's mobile app (which is free) or your personal account on the website. The balance can also be requested through the call center. In addition, for 39 rubles per month, the client can subscribe to the SMS notification service and always stay updated on their card's current balance.
How to reset the PIN?
The PIN can always be reset by ordering a new card. Branch employees cannot disclose the PIN upon request. Changing the PIN is also available via the bank's mobile app, though verification will be required.
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