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RZD debit card from Rosbank
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Articles about debit cards
About the card
If you frequently travel by train, you are likely participating in the "RZD Bonus" program and earning cashback for every trip you take. Today you can earn even more points if you apply for the "RZD" debit card from Rosbank and use it to pay for purchases. You can spend the cashback earned on award tickets on the website and in the mobile app of Russian Railways.
Terms
Issuance of the primary and two additional cards, as well as their reissue due to expiration, are completely free of charge. The annual maintenance fee is 99 rubles per month. However, it can be free if you meet one of the following conditions:
- with incoming transfers to the card or savings accounts totaling from 20 thousand rubles per month;
- by making purchases totaling from 15 thousand rubles per month;
- by maintaining a non-decreasing balance on current, savings accounts, and deposits of at least 100 thousand rubles.
Additionally, you can connect transaction alerts. The cost of this service is 89 rubles per month. Transaction alerts are completely free for the first month of service.
You can top up your card for free at Rosbank's own ATMs, as well as via transfer from another bank using any of the methods suggested below:
- by card number;
- by phone number via the Faster Payments System;
- via bank account details.
You can withdraw cash for free at Rosbank's own ATMs and partner banks. For cashing out at devices of other credit institutions, you will need to pay a commission of 1% of the transaction amount, but not less than 299 rubles.
You can transfer money for free between your own accounts at Rosbank, as well as to other bank customers. You can make transfers to other credit institutions without commission by phone number via the Faster Payments System for up to 100 thousand rubles per month. For exceeding this limit, you will need to pay a commission of 0.5% of the transaction, but not more than 1.5 thousand rubles. The fee for transfers by card number is 1.75% of the amount, but not less than 49 rubles.
Like other banks, Rosbank rewards its clients for using a debit card and accrues cashback for purchases. Thus, you can receive 1 point for every 30 rubles spent, as well as 500 welcome bonuses after the first payment.
You can spend the earned bonus points on paying for award tickets on the website or in the RZD mobile app.
Pros:
- free issuance of primary and additional cards, as well as their reissue upon 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 Rosbank ATMs and via transfers from other banks;
- free cash withdrawal at Rosbank ATMs and partner banks;
- free transfers within Rosbank and to customers of other banks by phone number via the Faster Payments System;
- accrual of cashback at the rate of 1 point for every 30 rubles spent;
- cashback accrual in the form of RZD points.
Cons:
- paid annual maintenance if agreement terms are violated;
- high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.
How to apply
You can apply for a debit card either at a Rosbank branch or online on the credit institution's official website. In the first case, you will need to visit the bank office with your passport. To apply online, you will need to:
- go to the Rosbank website;
- click the "Get Card" button;
- enter your phone number and check the box;
- click the “Submit” button.
Within 15 minutes of submitting the application, a Rosbank representative will contact you to confirm your details and schedule the date and time for your visit to the bank branch to sign the service agreement and pick up your card.
Rates
at third-party bank ATMs: 1%, but not less than 299 RUB
to other Rosbank 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: 1.75%, but not less than 49 RUB
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