“Tvoy Cashback” debit card from Promsvyazbank

Features and benefits

A clear advantage of this card is its versatility. Most bank cards are tailored to a specific lifestyle and offer customers little flexibility. The “Tvoy Cashback” card gives customers the freedom to choose exactly what they want from their card.

· An opportunity to reduce the maintenance fee to 0 RUB, making the card free of charge.

· By activating the PSBONUS option, the customer starts earning cashback on their purchases.

· There is a list of categories eligible for an increased 5% cashback, including restaurants, cafes and dining out, children's goods, printed products, and more.

· There is a moderate 2% cashback category list that includes supermarkets and hypermarkets, household and home goods, and consumer electronics stores.

· The earned cashback can always be converted into RUB in the bank's mobile app.

The bank has aimed to cover the most popular everyday spending categories with elevated cashback. Even if a category isn't on the list, there is always a base 1% cashback on any card purchase.

Tariff plan

Key tariff highlights customers should keep in mind:

1. Interest on card balance: 5%.

2. Free cash withdrawals are available only at PSB or partner bank ATMs. Please visit the bank's website for the up-to-date list of partners.

3. Annual card maintenance is free if the monthly spending turnover is 20 000 RUB or more.

4. Both courier delivery and branch pick-up are available.

5. A mobile app and online banking are available.

Additionally, under the tariff, customers can top up their card free of charge up to 150 000 RUB, as well as make fee-free transfers to cards of other banks ranging from 3 000 RUB to 20 000 RUB.

Additional options include partner discounts of up to 40%, alongside regular special offers that provide significant value.

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Loan terms

Since “Tvoy Cashback” is a debit card, the eligibility requirements are straightforward. The applicant must be 18 years or older, have a registered address (preferably in a region with PSB presence), and hold Russian citizenship. A contact phone number is required to receive the card.

Required documents

The only document required by the bank is a passport with an up-to-date registration stamp. The debit card will be issued to the customer on the spot or handed over if an online application was submitted.

Application process

Currently, there are two ways to apply for the card: in person at a branch or via an online form. If you wish to apply remotely, submit an application on the bank's official website. You will need to complete a short form and submit it to the bank. A loan officer will then call you to answer any additional questions and arrange card delivery if needed.

When applying at a branch, the customer simply needs to visit a bank office and submit an application. A passport will also be required.

Usage nuances

Keep in mind that PSB offers courier delivery for this card across 178 cities and towns. Unlike picking it up at a branch, where the card can be collected within 20 business days, a courier will deliver it within 7.

The bank awards cashback in points. Since points have an expiration period, it is recommended to convert them into RUB in a timely manner to avoid losing accumulated rewards.

The card can be designated as a salary card by simply submitting the account details to your employer's accounting department. All card terms remain the same, but the client can qualify for more favorable conditions on credit products.

Q&A

1. How to get the 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.

2. How to activate the card?

Card activation is performed using standard methods: via the mobile app, web interface, or an ATM. Select "Activate card" and enter the digits from the code sent to your contact number into the field. If the card fails to activate, contact a branch employee or call center support. Please note that the card can only be used after 24 hours.

3. How to check the balance?

This can be done in many ways; the fastest are checking via the bank's mobile app (it's free) or your personal account on the website. You can also request the balance through the call center. Additionally, for 39 RUB per month, clients can subscribe to SMS notifications to always stay updated on their card's current balance.

4. 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.