Cards from Raiffeisenbank: benefits and privileges. Debit cards Raiffeisenbank Raiffeisenbank apply for a debit card online
At the moment, the organization issues a large number of debit products. The most important of them are summarized in the table.
Card name | Payment system | Cashback amount, bonuses | Service cost | Limits, restrictions, commissions |
---|---|---|---|---|
Children's | MasterCard | up to 5% | 490 rub./year | 1% for cashing out |
Gold Package | MasterCard | up to 5% | 500 rub./month. | 1% for cashing out |
Classical | VISA, MasterCard | bonuses for purchases | 59 rub./month. or 750 rub./year | |
Travel | VISA | 1 mile for 40 rubles. | 750 rub./year | 200 thousand rubles/day, 1 million rubles/month. |
Premium Direct | VISA, MasterCard | bonuses for purchases | 1.5 thousand rubles/year | 0.5 million rubles/day and 3 million rubles/month. |
All at once | VISA | up to 3.9% | one year free, then – 1,490 thousand rubles/year | 200 thousand rubles/day, 1 million rubles/month. |
Basic | WORLD | 750 rub./year | 200 thousand rubles/day, 1 million rubles/month. |
|
Optimal package | VISA, MasterCard | bonuses for purchases | 100 rub./month. | 200 thousand rubles/day, 1 million rubles/month. |
Order a debit card online at Raiffeisenbank
When choosing a suitable Raiffeisenbank card, you should take into account the terms of service offered by the financial institution. The key ones, for example, the limit for withdrawing cash from a Raiffeisenbank debit card, are given above.
The most impressive set of services and opportunities is provided by owning a gold “Package” card. For those wishing to save on the amount of annual maintenance, the “Optimal package” is better suited. And the owner of premium plastic cards has the opportunity to withdraw up to 3 million in cash monthly.
A Raiffeisenbank debit card allows you to transfer your own funds to the accounts of any banks and accept payments from any sources. At the same time, the issuing bank offers very favorable tariffs for servicing cards, significant cashback and an extensive network of ATMs that allow you to withdraw cash not only in Moscow, but also in any Russian city (from the regional center and above).
Types of debit programs
- MasterCard Gold Package is a multi-currency program that allows you to open a debit bank account in rubles, euros and dollars.
- #everything at once is a premium product of Raiffeisenbank with a 12-month period of free service, payment of 5.5% on the balance and cashback of 3.9%.
- BUY&FLY is a program for travelers that allows you to convert spent rubles into miles. The bank guarantees the accrual of one mile for every 100 rubles.
- Platinum MasterCard and Visa Platinum are VIP products focused on special conditions of service at Raiffeisenbank. They provide access to the Premium Concierge service and free travel insurance.
- MasterCard Standard and Visa Classic are standard programs that allow you to order a debit card online, with courier delivery to your place of residence. This product benefits from the possibility of free cash withdrawals from ATMs.
Conditions of registration
In accordance with the registration conditions adopted by Raiffeisenbank, the holder of the issuer’s debit cards can only be an adult resident of the Russian Federation. Therefore, you can apply for a banking product only if you have a passport or a document confirming the legality of your stay in Russia.
Registration involves an online application format - filling out a feedback form on the bank’s website, a telephone interview with a manager and receiving ready-made plastic, delivered by a bank courier.
Using the CreditZnatok service, you can choose one of the good service rates by comparing a specific program with other offers of the issuer from the database of our service. Having chosen a tariff and a card, the CreditZnatok client can go to the bank’s website to fill out an online application. You must indicate your full name and telephone number.
During the working day (usually 20-30 minutes after filling out the application), a Raiffeisenbank manager will call you back, with whom you can clarify the terms of service and the timing of issuing a payment instrument. The finished card will arrive at your address in 7-14 days.
Updated 11/02/2019.
In today's article we will take a closer look at the #ALLRIGHT card of Raiffeisenbank, with which you can get 5% cashback on all purchases.
The credit version of the “EVERYTHING AT ONCE” card appeared back in May 2016, so it is already possible to sum up some results based on six months of experience in using the card by the first clients. The debit card became available for registration in December 2016.
The loyalty program for these cards in the first year is practically the same. The article will consider credit and debit at the same time.
So, this is what the #ALL-IMMEDIATE card looks like on the bank’s website:
Map EVERYTHING AT ONCE. Advantages
1 Cost of production and maintenance.
The annual cost of servicing the “EVERYTHING AT ONCE” debit, which is referred to in the tariffs as Visa Cashback Debit, costs 1,490 rubles. (additive also costs 1,490 rubles):
A Visa Cashback credit card also costs 1,490 rubles. per year (additional 500 rubles), however, there is also a card option with an individual Visa Cashback Design for 1990 rubles. in year. To save time, you can apply for a credit card leave online, many cities offer free delivery of the card.
GET A CREDIT ALL AT ONCEThere is no need to sign up for any additional paid packages for “ALL AT ONCE” cards. You can apply for a credit card on the Raiffeisenbank website.
Both options are equipped with a chip, have PayWave contactless payment technology and support the 3D-Secure function for making secure payments on the Internet.
Cards can be either unnamed and instant (if you can’t wait to start using them), or personalized.
Now, as part of the Raif promotion, they are distributing “EVERYTHING AT A TIME” debit cards to everyone with free service for the entire validity period of the card if you leave a request before 12/22/19.
2 Requirements for the holder to issue a card.
To receive a debit, there are no special requirements, but for a credit card you will need to confirm your income, and in Raif you can confirm your income not only with a 2NDFL certificate or on a bank form, but also with a foreign passport with a border crossing mark, or documents for a car in ownership and rights:
When you apply for a credit card, insurance is automatically included. Managers tell clients that if they refuse insurance, the card will most likely not be issued.
Insurance can be disabled after receiving the card, or you can cancel immediately:
As with any bank, there are reviews from clients who, despite providing all the certificates, having a good credit history, etc. the credit card is still refused. Depending on your luck, you have to try it.
3 Bonus program.
When paying for goods and services with a credit card “ALL AT ONCE”, 1 point is awarded for every 50 rubles; for debit payments, 1 point is awarded for 50 rubles only for new customers for the first 365 days from the date of opening the card. From the second year on, debiting is worth 1 point for every 100 rubles. Rounding is not in favor of the client, for example, for a purchase of 99 rubles on a credit card, 1 point is awarded. This rounding becomes less noticeable as the purchase price increases. You can monitor the number of accumulated points in your personal account of the bonus program.
We can conclude that issuing a debit card #ALL AT ONCE, being an existing client of Raif, is not very profitable. So if you need a debit, you must first close all your Raif accounts and come get the card as a new client. However, in this case, you won’t be able to catch up on the promotion with a free first year of service, since card accounts at Raifa are closed 45 days after submitting the application.
You can exchange points for partner certificates (S7 Airlines, Ozon, Yandex Taxi), or you can also exchange them for rubles. The most profitable certificate costs 20,000 points, and you will get 50,000 rubles for it. And it is the exchange of points for this certificate that will give us the desired 5% cashback on all purchases:
Using simple mathematical operations, you can calculate that cashback with 5% points can be converted into real money when you reach a spending threshold of at least 1 million rubles. (actually a little more, due to rounding of points not in favor of the client when calculating). Therefore, clients have already nicknamed this card “Raifa” “EVERYTHING NOT AT ONCE” or “NOT EVERYTHING AT ONCE”.
The amount of spending seems very large, but Rife pours porridge for almost everything, you can get 5% cashback for paying for mobile communications, housing and communal services, taxes and fines, except that porridge is not allowed for paying for insurance ( UPD: 05/12/2018: from May 24, 2018, Rife also pours porridge for insurance payments). Raiffeisenbank's list of exceptions is very short:
Points are valid for 36 months:
However, we remember that from the second year onwards, 1 point will be awarded for 100 rubles, and not for 50, i.e. cashback under the most favorable option will already be 2.5%. So if a credit card allows you to accumulate points for three years with a cashback of 5%, then when you sign up for a debit card, you need to be sure that you will reach the spending limit of 1 million rubles in 1 year, otherwise it will not be so profitable.
There is no general monthly limit for accruing points on the “ALL AT ONCE” card; there is only an annual maximum of 40,000 points, as well as a limit of 1,000 points/month for purchases in one merchant outlet (or in different stores of the same chain):
The restriction on accruing a maximum of 1,000 points for purchases in one merchant outlet (so many points will be given for a purchase of 50,000 rubles) makes the Raifa card not particularly useful when paying for large purchases. It is worth noting that this restriction was not present in the initial terms of the loyalty program. In general, the bonus program has already changed twice. First, a limit of 100,000 rubles was introduced. in one merchant, and a maximum of 5000 points for MCC 5533 (Auto Parts and Accessories):
A week later, the loyalty program was changed again, removing previous innovations and introducing a limit of 1000 points in one merchant per month:
Naturally, the possibility of the bank changing the loyalty program unilaterally is not at all encouraging, since during the period of time until it is possible to use 1 million rubles, the program may become completely unprofitable or completely evaporate.
Rife, of course, prescribed the right to change the loyalty program or cancel it in its terms of participation in the program:
The rules of the bonus program have some vague wording that may discourage you from receiving the “ALL AT ONCE” card. Raif may not pay cashback and may not exchange it for rubles if it considers that you are abusing your rights and deceiving the bank, or using the card for business activities:
Here is a review from a client whom Rife excommunicated from the loyalty program for suspicion of entrepreneurial activity (due to payment for advertising services). According to the client, all expenses were fair and there were no markups:
True, by “honest spending” the client meant paying for telephone, Internet, housing and communal services, Yandex Direct. And considering that the client applied for a certificate already in July, and the card began to be issued in mid-May, these honest expenses amounted to 1 million rubles in 2 months:
Here are reviews from clients who have already accumulated 20,000 points (i.e. made at least 1 million spends on the card) and received the coveted 5% cashback:
"Raif" promises to give 500 points for your birthday:
Considering that for 20,000 points you get 50,000 rubles, that means 500 points correspond to 1,250 rubles. Thus, this gift practically covers the cost of annual card service.
UPD: 06/18/2017
You can apply for an “EVERYTHING AT ONCE” card with 5% cashback on everything with the old points accrual limits (40,000 points per year and no more than 1,000 points in one merchant service per month) only until July 1, 2017. For new clients, from July 1, conditions noticeably worsen, The monthly limit for accruing points in all merchants will be limited to 1500 points, i.e. spend more than 75,000 rubles/month. using the “EVERYTHING AT ONCE” card will be meaningless. For old clients, the conditions will not change:
UPD: 11/17/2017
Many people do not apply for the “EVERYTHING AT A TIME” card from Raiffeisenbank due to the fact that making purchases worth 1 million rubles. to receive 5% cashback is a very high spending turnover. In addition, with the introduction of a limit on the maximum number of points per month (1500 points), registering a debit became completely unattractive, because increased points (1 point for every 50 rubles) are awarded to new customers only in the first year of card ownership.
However, Rife also has other certificates for which you can exchange bonus points (and not just a certificate of 50,000 rubles for 20,000 points); for them you need to make a much smaller number of purchases.
The effective cashback will, of course, be less than 5%. However, “Raif” gives money for almost everything (including for mobile communications, etc.), so it still turns out to be more profitable than many cards from other banks.
● 4000 points can be exchanged for a certificate worth 4000 rubles. This is equivalent to a 2% cashback when spending RUB 200,000.
● 600 points can be exchanged for a Yandex.Taxi certificate worth 500 rubles. This is equivalent to a cashback of 1.67% when spending RUB 30,000.
● 2000 points can be exchanged for a certificate worth 2000 rubles. on Ozone. This is equivalent to a 2% cashback when spending RUB 100,000.
● 4000 points can be exchanged for a certificate worth 6000 rubles. on Ozone. This is equivalent to a 3% cashback when spending RUB 200,000.
UPD: 12/20/2017
From 01/01/2018, Raiffeisenbank is significantly worsening its bonus program for the “EVERYTHING AT ONCE” card. The maximum number of points that can be awarded for purchases within one calendar month for all customers will be 1000 points:
Thus, to accumulate 20,000 points, which can be exchanged for 50,000 rubles. You will need to save for at least 20 months.
For a birthday, “Raif” will now give only 300 points (from 500):
A small consolation will be 200 points for the New Year:
For cards opened after 01/01/18, for making debit transactions of 5,000 rubles. 300 welcome points will be awarded:
4 Payments in Internet banking without commission.
In the Raifa Internet bank you can pay for a lot without commission:
Moreover, you can also get a porridge of 5% when paying in IB from your credit card or debit #ALL AT ONCE:
5 Grace period for lending.
The grace period for an “ALL AT ONCE” credit card is honest (for details on what honest or dishonest grace is, read the article) is up to 50 days.
Raif's settlement date is the date from which the debt can be repaid for the reporting period, usually the 7th day of the month (if it falls on a holiday or weekend, it is postponed to the first working day). The reporting period is the period from the 7th day of the previous calendar month to the 6th day of the current calendar month, inclusive. The payment period is the period for repaying the minimum payment, always 21 calendar days, starting from the settlement date.
Grace period for lending - the period from the date of use of the credit limit in the reporting period until the last day of the corresponding payment period, inclusive.
In the example considered, in order to comply with the terms of the grace period, the purchase on March 17 must be repaid before April 27. Purchases made during the period from 04/07 fall into the next payment period, and the debt on them must be repaid by 05/27.
In general, you need to pay off the amount of debt on the 7th indicated in the statement; if by this date there are authorized but not completed transactions, then they will go into the next reporting period:
Naturally, Rife does not include cash withdrawals from credit cards at ATMs, card-to-card transfers, or quasi-cash transactions during the grace period. For them there is a commission of 3% + 300 rubles:
By quasi-cash operations, "Raif" means replenishing online wallets, paying traveler's checks, replenishing accounts in other banks, buying chips in casinos:
It is worth noting that you will also not be able to withdraw your own funds from a credit card without a commission (they may, for example, appear there if you topped up the credit card with your own funds before the purchase, since your credit limit was not enough to complete the transaction, and the purchase did not actually take place ).
I don’t specifically indicate the interest rate on a credit card, and I don’t say exactly what will happen if the conditions of preferential lending are not met; this information should not worry you.
If you are not 100% sure that you will be able to constantly comply with the terms of the grace period, then it is better to refrain from applying for a credit card, and not only from Rife, but from any bank in general. Interest rates, fines, penalties on credit cards for all banks are very high.
UPD: 04/02/2018
Raiffeisenbank now has the opportunity to change the statement date to a more convenient one, although this can be done no more often than once a year:
6 It’s convenient to top up the card.
Raiffeisenbank cards can withdraw funds from cards of third-party banks through Raifa’s own service (accordingly, you need to make sure that the donor bank does not charge a commission for such operations). Moreover, these transactions are displayed as carried out on the account almost immediately, which is very convenient when repaying a loan.
The “EVERYTHING AT ONCE” debit is a free donor, while a credit card, accordingly, punishes donation with a commission of 3% + 300 rubles. You can read more about C2C transfers in the article.
7 Discounts from partners.
8 Supports Apple Pay, Samsung Pay, Google Pay.
Raiffeisenbank supports advanced smartphone payment technologies Apple Pay, Google Pay and Samsung Pay. The same card can be added to several devices and used simultaneously, thus providing free add-ons.
UPD: 09/08/2018
9 Savings account for new clients.
For new clients, Raiffeisenbank always has special offers on savings accounts.
When a new client opens their first current account (when issuing/receiving their first card), on this day they can at the same time open an “Active” savings account, where the balance is up to RUB 100,000. fair 7% per annum are charged:
New clients are understood as persons who were not clients of Raif within 30 days before contacting the bank:
UPD: 02.11.2019
The “Active” account is now unavailable for new clients; they are offered to open a less profitable “Simple and Profitable” savings account, with a balance of up to 2 million rubles. 6% per annum is provided, however, not on a daily basis, but on the minimum per month:
For those who managed to open an “Active Account” before October 31, 2019, there were no changes in the conditions for calculating interest and the rate (on a daily balance of up to 100,000 rubles, 7% per annum is charged).
UPD: 11/10/2018
10 Free insurance.
At Raiffeisenbank you can get free travel insurance by signing up for the “Golden” package.
This package is free if the monthly turnover of expenses on all customer cards is from 30,000 rubles, or when maintaining an average monthly balance in the bank from 300,000 rubles. If the conditions are not met, the “Golden” package costs 500 rubles/month. The ALL AT ONCE card itself is not included in the Gold package, but purchases made with it count toward the free package.
The insurance policy is provided by AlfaStrakhovanie/assistance AP Companies.
Coverage applies to the package owner, spouse and children when traveling together. The total sum insured is 50,000 euros. The insurance certificate begins to be valid at a distance of 200 km from the permanent place of residence. The territory of validity of the insurance certificate is the whole world, including the territory of the Russian Federation.
UPD: 09.16.2019
11 Additional promotions.
Visa promises 500 rubles. for three purchases using the Google Pay service (more precisely, it returns 100% of the amount of the first three purchases, but not more than 500 rubles).
To participate in the promotion you need:
1. Add a Visa card to Google Pay;
2. Register on the page rtm.visa.com/Registration/GPaywithVisa(you must indicate the card number, first and last name, as well as telephone number);
3. Make three purchases using the card using a smartphone between September 2 and October 13, 2019;
4. Profit! The bonus will be credited until November 1st.
Only one participant's Visa card is allowed to participate in the promotion. Cards of the following categories do not participate in the Promotion: Visa Prepaid, Visa Business, Visa Business Platinum. The total prize fund of the promotion is RUB 38,009,500.00, so there may not be enough for everyone. There is also a list of exceptions that do not count as purchases.
GET EVERYTHING AT A TIME WITH FREE SERVICEMap EVERYTHING AT ONCE. Flaws
1 Risk of loyalty program cancellation.
The risks of canceling the loyalty program, or changing it for the worse, or canceling customer points due to suspicions of fraudulent transactions have already been discussed above, but I decided to duplicate this information, since this is the main drawback of the “ALL AT ONCE” card.
2 There is no interest on the balance.
The “ALL AT ONCE” debit card has no interest on the balance. The only thing is that “Raif” has the opportunity to open a savings account “For every day”. For salary earners the interest rate is 6%, for others 5%:
UPD: 07/04/2019
As of July 3, 2019, for salary clients on a savings account with a balance of up to RUB 100,000. The rate is 5.5% per annum, for all others – 4.5%:
3 Limits cannot be set.
In Raif, you cannot set limits on certain transactions, for example, prohibit online purchases or cash withdrawals from an ATM, set a maximum spending threshold for a day, month, etc.
UPD: 05/02/2017
Setting card limits has become available in Internet banking. You can set a limit on cash withdrawals and card-to-card transfers, and a ban on online transactions is also available:
To avoid unnecessary blocking, you can notify the bank via IB about your upcoming foreign trips:
4 Paid SMS notifications.
The commission for the “SMS-informing” service for credit and debit cards is 60 rubles for the main card and 45 rubles for the additional card. There is no charge for the service for the first 2 months:
5 Commission for payment abroad.
Raiffeisenbank, in addition to the unfavorable exchange rate, also has an additional commission of 1.65% for making transactions abroad in a currency other than the account currency (rubles):
6 Use of the “anti-money laundering” law (115-FZ).
GET A CREDIT ALL AT ONCEDon’t forget that Raif is now distributing “EVERYTHING AT A TIME” debit cards to everyone with free service for the entire validity period of the card if you leave a request before 12/22/19.
GET EVERYTHING AT A TIME WITH FREE SERVICEUPD: 02/10/2018
So I collected the necessary 20,000 points to exchange for 50,000 rubles for purchases using the “EVERYTHING AT A TIME” card from Raiffeisenbank. Cashback has been successfully credited to your credit card account. I only have pleasant emotions from the bank:
Part of the cashback was used to pay off credit card debt, and part of it increased the equity on the credit card (RUB 22,080.3). In order to withdraw these funds from a credit card without a commission, you can call the hotline and ask to transfer them to your own Raif account (if you make the transfer yourself through IB/MB or simply withdraw it from an ATM, there will be a commission):
Withdrawals from a current account at the Raiffeisenbank cash desk also come with a commission, so you need to withdraw money using a Raifa debit card, which you can get for free if you become an individual payroll client. I made an intrabank transfer to a relative who has a debit card and successfully cashed out my cashback:
I hope my article was useful to you; write about any clarifications and additions in the comments.
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are produced in different statuses and with different sets of capabilities. Let's consider the main types of products of the institution, conditions and current tariffs.
Types of debit cards at Raiffeisenbank
Today you can Raiffeisenbank issue a debit cardof various types, starting from the simplest card type Unembossed and ending with cards of the premium segment such as Gold and Platinum, tariffs are presented on the bank’s website.
Unembossed Card
This implies the absence of the owner's name embossed on the plastic (embossed). Such cards are issued immediately upon application. The age limit is 14 years. These include MasterCard and Visa Unembossed, Maestro, Visa Electron. They allow you to perform a basic set of functions:
- conducting operations using contactless technology;
- receiving cash from cash desks and ATMs;
- payment for purchases and services via the Internet, online banking, ATM;
- payment for purchases at retail outlets and payment acceptance points.
Considering those installed inRaiffeisenbank tariffs for debit cards, we can note the low cost of maintenance - 240 rubles per year. When purchasing additional plastic, the payment is 150 rubles.
The limits are contained within the following limits:
- withdrawal per day: 120 thousand rubles;
- transfers per day: 120 thousand rubles;
- monthly withdrawal limit: 300 thousand rubles;
- transfer limit: 300 thousand rubles.
The commission is 0.7% when receiving cash and 1.5% when transferring to a card from another bank.
![](https://i2.wp.com/finansytut.ru/wp-content/uploads/2016/12/V-Rayffayzenbank-oformit-debetovuyu-kartu-mozhno-v-otdelenii-i-poluchit-ee-pri-pervom-zhe-obrashhenii.jpg)
Classic debit cards
Slightly higher inRaiffeisenbank cash withdrawal limit from debit cardstandard type MasterCard Standard and Visa Classic, which amounts to 200 thousand rubles per day and 1 million rubles per month for withdrawals and transfers. If we consider the bank’s tariffs, the cost of servicing debit cards of this format at Raiffeisenbank is 750 rubles per year. But if you sign up for the Optimal service package, then the service within its framework for three cards is free.
To use the capabilities of the service package, you must pay 100 rubles per month and comply with one of the following conditions: maintaining a minimum balance of 100 thousand rubles or making card payments every month for at least 10 thousand rubles.
![](https://i2.wp.com/finansytut.ru/wp-content/uploads/2016/12/Debetovaya-karta-Rayffayzenbank-Gold-razlichaetsya-po-tipu-platezhnoy-sistemyi-kazhdaya-ih-kotoryih-predostavlyaet-ee-vladeltsu-svoi-preimushhestva.jpg)
Debit card Gold
IN Raiffeisenbank gold debit cardAvailable in several variations depending on the type of payment system, differing in capabilities:
- MasterCard. Available only if you purchase the Gold service package. Provides a 5% cashback, as well as the possibility of obtaining a policy for those traveling abroad.
- Visa. Allows you to receive bonuses for non-cash payments (1 mile for every 40 rubles), you can use them to pay for the purchase of tickets, book hotels, rent transport, etc.
In addition, the gold card provides additional privileges:
- Free function of receiving notifications for expense transactions;
- Possibility of emergency cash withdrawal abroad;
- Discounts from partners of the institution;
- A 20% discount is offered for renting a safe at a bank;
- First-time service at the branch.
IN Raiffeisenbank Gold card (debit) costs 4.5 thousand rubles per year. As part of this service package, you can have up to 5 cards, which are serviced free of charge. In this case, a fee of 500 rubles per month is charged for the package. A prerequisite is making payments of 30 thousand rubles on a Gold card or maintaining a constant balance of over 300 thousand rubles.
![](https://i2.wp.com/finansytut.ru/wp-content/uploads/2016/12/Oformit-debetovuyu-kartu-Rayffayzenbanka-premimum-segmenta-mozhno-onlayn-na-sayte-banka-predvaritelno-vyibrav-nuzhnuyu-kartu.jpg)
Premium segment cards
IN Raiffeisenbank order a debit cardYou can also have a premium level: Platinum MasterCard and Visa Platinum Premium Direct. Registration takes place within the framework of the Premium Direct service package. It is allowed to issue up to 5 cards with free service, subject to payment for a package of 1.5 thousand rubles. It is mandatory to maintain a balance of 1 million rubles, monthly expenses exceeding 75 thousand rubles, or accepting transfers to a card exceeding 300 thousand rubles per month.
Debit cardsMasterCard World Black Edition Premium And Visa Platinum Premiumalso refer to premium products. In addition to other privileges, suchRaiffeisenbank debit card, reviewsevidence, provides holders with access to special lounge areas at airports around the world, which is very valuable for frequent flights.
Card Visa Signature Easy Europebeneficial for travelers, because includes visa support and insurance for those traveling abroad.
The MasterCard World premium card provides 10% cashback when paying in restaurants, clubs and cafes abroad and a 10% discount in national establishments selected by the bank.Raiffeisenbank debit card in terms and conditionshas a prescribed additional service - free travel insurance. The cost of annual maintenance is 900 rubles.
![](https://i0.wp.com/finansytut.ru/wp-content/uploads/2016/12/Na-segodnyashniy-den-v-Rayffayzenbank-zakazat-nekotoryie-vidyi-debetovyih-kart-mozhno-onlayn-na-sayte-banka-predvaritelno-zapolniv-anketu.jpg)
conclusions
The range of cards at Raiffeisenbank is very wide, which allows you to choose the most interesting option. When you sign up for the appropriate service package, you will receive free service and some additional privileges, including a gold debit card that gives its owners travel bonuses.Apply for a Raiffeisenbank debit card onlinetoday you can visit the bank’s website, where service rates are posted. Or you can order a debit card by visiting a branch with your passport, where you can apply for the selected product.
Considering the range of Raiffeisenbank debit cards, choosing the right one is not so easy. Users set themselves different goals - an inexpensive means of payment, an account for receiving wages, cashback for savings, an additional card for a child, etc.
Why do you need a Raiffeisenbank debit card?
When it comes to a banking product, it is always worth looking at the “problem” on a large scale, because often the client expects a comprehensive service. Therefore, always pay attention not only to a specific offer, but also to the features of the service as a whole.
Bank advantages:
- Included in the TOP 10 largest and most reliable banks in the country;
- Insures deposits and savings according to DIA rules;
- It features loyal tariffs as part of package services. Prices without PU for cards are competitive;
- Good selection of savings accounts;
- There is a credit card with a long grace period -;
- Free insurance in Gold and higher packages (according to reviews, this is the biggest plus).
- Free remote services, mobile application and payment via mobile phone (Apple/Google Pay) - all this is available.
- Low limits on cash withdrawals and transfers (see below);
- Not all cards in service packages are serviced free of charge;
- The cost of an interbank transfer is standard, like everyone else’s - 1.5%;
- Not the cheapest loans;
- Low deposit rates.
Conditions for Raiffeisenbank debit cards
Tariffs and service costs depend on the type of product.
Classic Visa, MasterCard, MIR
Suitable for everyday use with an excellent price/quality ratio, often used when preparing a payroll project.
To get a classic debit card from Raiffeisenbank with free annual maintenance, you need to open the Optimal service package or become a participant in the salary project.
Otherwise, the cost of service according to the tariff:
- 750 rubles/year rubles for MC;
- 59 RUR/month for Visa.
According to the terms of the package, you can issue up to 3 entry-level bank cards or Visa Travel (except MIR, which is designed only for payroll).
According to the tariff, the cost of PU Optimal is 100 rubles/month. There is no need to pay if one of the following conditions is met:
- Expenses on cards exceed 10 thousand rubles per month;
- The average monthly balance during the month is 100 thousand rubles (balances on current, savings accounts and deposits for each day are taken into account - summed up and divided by the number of days in the month).
If you want to order a MasterCard card with an individual design on the front side, you will need to pay an additional 500 rubles.
According to reviews, among the advantages of the classic Raiffeisenbank debit card are:
- Can be opened without a package of services for a reasonable fee, in a package - without commission (except for Visa Travel).
- Contactless payment technology;
- Receive a personalized card on the day of application;
- Free cash withdrawals from ATMs of other banks (according to the conditions - 2 transactions per month);
- Opening in three currencies to choose from - rubles, dollars, euros.
Premium and gold cards
Raiffeisen has its own service package for each card category. Moreover, any debit card higher than Standard or Classic can be issued only by paying for a specific set of services (SP):
- Gold - up to 3 pieces of the Gold category.
- Premium Direct - up to 5 pieces of Platinum level.
- Premium 5 - up to 10 pieces of Platinum and World Black Edition categories.
The peculiarity of gold and premium level cards is that their choice is associated with an assessment of the service package as a whole, i.e. You don’t just choose a payment instrument, but decide how beneficial the terms of the entire complex will be for you.
According to reviews, the main advantages of Raiffeisenbank premium cards:
- Free insurance and annual maintenance (except Buy&Fly).
- Moderate monthly service fee and the ability to avoid commissions by maintaining account balances or turnover.
Points are awarded according to the tariff of the Raiffeisenbank debit card All Immediately for expenses:
- 1 point per 100 rub. - standard conditions;
- 1 point for 50 rubles - for new customers only in the first year of card validity.
Additionally, they give 200 points on New Year's and birthdays.
Newcomers receive 300 candy wrappers as a gift if they spend 5 thousand rubles in the first month. from the All Immediate card, for them - free annual service versus 1,490 rubles / year (only the first year).
The undeniable advantage of a debit card All at once - there is no requirement to open a package of services.
According to reviews, new clients receive the maximum benefit, so if you want to try Raiffeisenbank’s service for quality, feel free to order a debit card All At Once.
Raiffeisen for travelers - Travel or Buy&Fly
Both types of these debit cards allow you to accumulate miles and then use them to pay for train tickets, air travel, transfers, hotels, etc.
Visa Travel costs 500 rubles/year and is available only in the Optimum package. Cashback exchange is possible only on the portal iGlobe.ru . And accruals occur according to the following conditions:
- 1 mile - every 40 rubles. expenses;
- 1000 bonuses - in rub. client;
Bonuses are stored for 3 years.
The advantage of the Raiffeisenbank Visa Travel debit card is free cash withdrawals from ATMs anywhere in the world (2 transactions per month).
The Raiffeisenbank Buy&Fly debit card is issued only when premium tariffs are opened and costs 299 rubles/year.
The exchange of accumulated miles for services for travelers takes place in your personal online bank account, and the accruals are calculated as follows:
- 1 mile for 100 rubles. - standard tariff;
- 4 miles - if the amount of expenses on the card is above 75 thousand per month.
It features an increased limit on cash withdrawals, free travel insurance and a long “shelf life” of bonuses - 3 years.
Raiffeisen Poster Restaurants
Cards are currently no longer being issued.The Raiffeisenbank Restaurants Poster card offered the following opportunities at its opening:
- 10% cashback on payments in restaurants and bars abroad;
- 10% discount when paying in establishments in St. Petersburg and the capital.
Also, the owner has the right to issue an insurance policy free of charge for the family when going on a trip.
The cost of the card is 900 rubles per year. Raiffeisenbank is considering the possibility of restoring the release of a product with the same or similar program, but the timing has not been announced.
Cash withdrawal limits and transfer rates
The following values are set for Raiffeisenbank debit cards:
According to reviews, such low limits are Raiffeisen's biggest drawback.
The fee for receiving cash from Raiffeisenbank debit cards is:
- At Raiffeisenbank ATM: 0%;
- At the cash desk: 0.7% (150 rubles per transaction - for PU owners);
- At third-party self-service machines: 1%. PU Optimal allows you to withdraw money 2 times a month without commission.
How to apply for a Raiffeisenbank debit card
The easiest way is to open it remotely, or go to a bank branch to get acquainted with the conditions in a personal consultation with an employee.
Order online
A Raiffeisenbank debit card can be issued directly from the website online:
A form will appear in which you enter contact information and region. After this, a call will come from a Raiffeisen employee to confirm the initiative. Production time is from 3 to 5 days.
You can use your online banking personal account: in the Cards tab, if you scroll to the bottom of the page, you will see the options available for registration:
The form describes the debit card terms and rates and can be downloaded for review. The online application is completed by simply clicking on the Order a card button.
Open in branch
To apply for a card in person, you need to go to the office with your passport and write an application. When ordering a personalized card, you will need to wait several days until the plastic is produced and delivered to the department. Instant cards are issued immediately upon application. These include all classic cards, including Visa Travel.
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