How to make the most of the Universal Debit Card from Otkritie Bank

Currently, the product line of Otkritie Bank features a fairly wide range of debit cards that are in high demand among the bank's customers. A special place among them is held by the Universal Card from Otkritie Bank, which has several tariff plans, with the "Basic" tariff plan standing out for the simplicity and accessibility of its banking services.

Interest accrual on the balance for the Universal Card from Otkritie Bank depends on the chosen tariff plan. Depending on your activity with the banking product, cashback and interest on the accumulated balance will be accrued.

Terms and conditions for servicing the "Universal" debit card from Otkritie Bank

The "Universal" premium card from Otkritie Bank offers the best loyalty programs for customers. The card allows you to earn up to 5% in cashback and up to 7% in additional income on your balance

Please note that cashback is accrued depending on the turnover on the card. Interest on the accumulated balance is accrued only if the "My Piggy Bank" option is enabled. Insurance is provided for those traveling abroad.

Cashback accrual

The "Universal" debit card with cashback from Otkritie Bank requires the cardholder to meet minimum requirements. Pay attention to the package of optional features to correctly calculate cashback and the interest on the accumulated balance as of the reporting date.

• The average monthly balance on the card must be at least 70,000 RUB and you need to make at least 1 purchase; the cashback is 5%.
• The average monthly balance on the card account must be at least 50,000 RUB, and you must make in-store purchases totaling 10,000 RUB or more — cashback is 3%.
• The average monthly balance on the card account must be at least 20,000 RUB, and you need to make at least one purchase — cashback is 2%.

Please note that the tariff will be determined automatically, depending on your spending and whether you meet Otkritie Bank's minimum requirements.

Additional bonuses of 0.5% and 2% in cashback

Special mention should be made of the additional bonus of 0.5% and 2%, which also features a specific calculation and application system for accrual.

• Enabling the "My Piggy Bank" bonus program.
• If the average monthly balance on the account is less than 100,000 RUB, you receive an additional cashback of 0.5%.
• If the average account balance exceeds 100,000 RUB, cashback is accrued at a rate of 2%.
• You can receive a maximum of 24,000 RUB in cashback per calendar year.
• Bonus accruals use the following conversion rate: 1 point = 1 RUB.

The "My Piggy Bank" program for interest on the balance

Enabling this option is subject to special conditions and requirements, allowing you to use the program to earn additional income:

• You can freely top up and withdraw your funds, while the piggy bank automatically calculates the interest.
• The "Piggy Bank" itself has a built-in calculation algorithm that provides information on accrued interest at the end of the month.
• If the average balance is less than 10,000 RUB per month, the interest rate on the balance will not exceed 0.1% per annum.
• For balances over 10,000 RUB, the rate starts at 4.5% per annum.
• On the last day of the month, the customer receives information on the interest calculation.

Using Otkritie Bank's online banking, you can benefit from making purchases:

• Withdraw cash with zero commission up to 200,000 RUB at ATMs of Otkritie, Trust, Binbank, and RGS Bank.
• Subscribe to the "Minimum Conditions" package and you will be exempt from paying commission fees.
• Transfers via bank details to any bank in Russia are completely free.

Get discounts from partners: Lamoda – 20%, Dochki-Sinochki – 15%, Mir Kino – 20%, etc.