General terms and conditions for applying for and using the Number One debit card from Vostochny Bank

If you fail to comply with the requirements for the Number 1 Card debit card of Vostochny Bank of Russia, you will be charged an annual maintenance fee of just 99 RUB per month. This is the lowest annual maintenance level for debit cards in Russia if the borrower fails to meet certain usage requirements for the card account. The Number 1 debit card from Vostochny Bank is already recognized as a popular banking product among Russians. Thus, if you have a balance in your account, you are guaranteed to receive income at a rate of 7% per annum, and you can also receive cashback of up to 40%. The currency of the card account is the Russian ruble.

Key advantages of the Number 1 debit card from Vostochny Bank:

• Completely free maintenance of the banking product if you receive a pension, benefits, wages, or maintain an average balance of at least 30,000 RUB.
• You can withdraw cash without commission at any terminals and ATMs nationwide, starting from 3,000 RUB.
• If you have a cash balance in your account, you receive additional income at the rate of 7% per annum.
• Participate in loyalty programs and receive cashback of up to 40%.
• You can issue a Children's card for free.
• You can enable the overdraft option to go into a negative balance for a short period.
• A wide range of modern options is available, including mobile and internet banking, as well as 24/7 support from the credit institution.

Disadvantages include the paid SMS-info service costing 59 RUB per month, as well as fees charged for transfers to other banks. Nevertheless, reviews of Vostochny Bank's "Number 1" debit card suggest that this banking product has found its consumer in Russia.

Terms of use for Vostochny Bank's "Number 1" debit card

The banking product offers many loyalty programs for cardholders that easily offset the costs. You can earn 7% on your account balance if you meet the following conditions set by the credit institution:

• Any debit cardholder can join the program without filling out a prior application.
• The 7% interest on the balance will be paid if you meet certain spending conditions of at least 5,000 RUB per month, provided that your current account balance is between 10,000 RUB and 500,000 RUB.
• If the balance is between 10,000 RUB and 500,000 RUB, but you made no purchases or spent less than 5,000 RUB, interest is accrued at a rate of 2% per annum.
• If your account balance exceeds 500,000 RUB, the guaranteed interest rate on the balance will be 2%.
• If the account balance is less than 10,000 RUB, no interest is paid on the remaining amount.

Thus, to earn 7% on your balance, you must comply with the terms of the loyalty program.

Bonuses for services used or favorite purchases

Make online or offline purchases with your card and get guaranteed cashback.

• Bonus conversion rate: 1 point = 1 RUB.
• Earn up to 5% in bonuses in the "Cafes & Restaurants", "Home Appliances", and "Entertainment" categories.
• Earn a guaranteed 1% cashback on all other categories.
• Get enhanced cashback of up to 40% on any purchase amount at partner stores.
• You can earn a maximum of up to 60,000 points per month.
• All bonus points must be spent within 2 calendar years, otherwise they will expire.

Cashback calculations in your personal account are based on the MCC codes of stores participating in the loyalty program.