Gazpromneft bonus program for individuals. Rules for storing and using a plastic card
28.08.2017 0
Holders of the Gazpromneft card can purchase fuel at a better price by bank transfer. After purchasing it, you can participate in the loyalty program "We are on the way". The total number of Gazpromneft cardholders is about 7.5 million and their number is constantly growing. If you have issued a fuel card for a Gazpromneft gas station for individuals, you must activate your personal account.
Log in to your Gazpromneft personal account - for fuel card holders
What does the fuel card of the Gazprom gas station "We are on the way" give?
The essence of this program is the gradual accumulation of bonus points. They are credited depending on the purchase amount in the Gazpromneft network. This is gasoline of grades higher than AI-80 (this rarely used low-octane gasoline does not receive bonuses). Main brands: AI-95, AI-97 and diesel fuel.
There is a network of these gas stations in almost every large settlement. For the same purchase, a different number of bonuses may be awarded for the same amount. Variable parameters are card status, discount availability, holiday promotion. You can always check the map of the filling station network on the official website of the Gazpromneft filling station network.
How to get a card Gazpromneft card
The easiest and fastest way is to issue it at any Gazpromneft gas station. The cost of the card is 199 rubles. Together with the card, a check is issued with information for linking the card to the phone, which is purchased using a passport. Thus, the fuel card is fully identified and activated.
You can clarify any questions by calling support 8 800 700 5151 .
After successful activation of the card, the so-called "Personal Account" opens. It contains data on the number of purchased liters of fuel and bonuses accrued. Simultaneous tracking of several parameters allows you to select the optimal bonus programs. The most convenient registration is through the website. On the official website, you need to enter your Personal Account using a one-time password received via SMS and a card number.
How bonuses are awarded
What does the Gazprom gas station card give? One bonus credited to a refueling fuel card is equal to 1 ruble. Additional gasoline and all other fuels can be purchased. The accrual of bonuses is affected by:
- the number of purchased liters of fuel;
- card status: platinum, gold, silver;
- promotions, gifts, discounts.
On average, for holders of silver cards, 1 bonus is credited for 100 rubles of purchase. With medium and large volumes of gas stations, this is a very significant discount. This card is used not only by individuals, but also by legal entities, such as taxi companies and road carriers. Where fuel is purchased in thousands of liters, the savings are significant.
Silver status is assigned automatically if the amount spent during the month is no more than 6,000 rubles. This category includes the majority of car owners who do not travel between regions. Having spent more than 6,000 rubles per month on fuel, the card is automatically transferred to the gold status.
What does the Gazprom gas station card give for large displacement? The gold card works in the range of 6000 - 12000 rubles for all types of fuel. If you spend more, then platinum status is automatically assigned.
The Gazpromneft gas station fuel card for individuals (personal account is available at the link) displays the balance on the Gazpromneft website. Also, at any gas station, you can request a printout of a receipt that contains information on bonuses. This option is convenient for people who are not used to using a computer.
Restrictions
Bonuses are not awarded for all purchases. The purchase of AI-80 low-octane gasoline is not taken into account.
Other restrictions:
- diesel fuel of all grades - only up to 500 liters per day;
- more than 3 purchases at a time;
- one-time refueling over 100 liters per day (if it is not diesel fuel).
The maximum storage time for bonuses is 3 years.
The maximum number of them on one card is 60 thousand (equivalent to 1 bonus = 1 RUB). If you are not satisfied with the bonus program, you can purchase another type of fuel card, for example, for corporate clients.
Do you often refuel at Gazprom gas stations? As a car enthusiast, you are well aware that in our time, refueling a car hits the budget a lot. It would be great if you could pay less for fuel ...
Fortunately, dreams do come true! If you answered “yes” to the first question of this article, then you have a good chance to receive discounts on fuel, just by becoming a member of the program “We are on the way” from Gazpromneft.
Program conditions
- You must have legal capacity to participate in the program. That is, you must be over 18 years old.
- If you are already an adult, then you must purchase a card for only 299 rubles. The discount card is available for purchase at any gas station from Gazprom or in partner banks.
- If you purchased a card at a gas station, then you need to activate it using SMS. If the card was purchased at the bank, then activation can also be performed on the official website.
- The card "We are on the way" is available only for individuals. Also, after activating the card, only the owner has the right to use it. Sale and donation to third parties is prohibited.
- A loyalty card is issued to only one person. Using multiple cards from Gazprom is strictly prohibited.
- Gazprom has the right to block the card if you have violated the program rules or have not used the card for more than 3 years.
Bonus cards
In addition to the discount card, there is a card from Gazprombank. Its advantage is that you earn extra points for purchases in stores, restaurants and elsewhere.
How do I get points?
There are 3 statuses of the bonus card: silver, gold and platinum. The conditions for earning points are as follows: for every 100 rubles spent, you will receive a certain amount of Gazprom bonuses.
Bonus points accrual table:
Do you know what the discount card status is for? The fact is that the higher your status, the more bonuses you get from Gazpromneft. Let's say silver gives you three bonuses, gold - four, and platinum - five!
Another question: how to increase your status? The answer is simple! You just need to make purchases at Gazprom gas stations, thereby increasing your status and cashback.
Status table for the program:
Silver is given to everyone who buys this card. If you spend more than 6,000 rubles to buy fuel, you will receive a gold status. Have you earned more than 12,000 rubles? Great, you are now a platinum card holder!
An example of calculating points for the bonus program
For what points are not awarded?
Unfortunately, there is a small but very important amendment in the condition. It turns out that in some cases, bonuses are not credited to the bonus card.
- There is a certain limit on the use of the card. If you spend more than 4,000 rubles per day, 9,000 per week, or 36,000 per month on fuel or goods, then bonuses are not eligible for them.
- Also, there is not only a “money” limit, but also a “fuel” one. If you buy more than 100 liters per day, 300 liters in 7 days or 1200 liters per month - again, you lose points. This condition does not apply to diesel fuel, but there are pitfalls here.
- The purchase of diesel fuel is limited to 500 liters per day, 1250 liters for 7 days and 5000 liters per month.
- In addition, if you make more than three gas stations or purchases, then points, unfortunately, are not awarded. We advise you to purchase 4 gas stations the next day.
Features of the loyalty program "We're on the way"
Let's summarize!
- The Gazpromneft bonus card costs 299 rubles;
- From 3 to 5 bonus points for 100 rubles spent;
- In some cases, bonuses are not credited to the card;
- The ability to use a debit card from Gazprombank;
- The cost of one bonus is one Russian ruble.
For every purchase at Gazpromneft gas stations, holders of the “On the Way” card receive bonuses. When a certain number of points is accumulated, they can be exchanged for free gasoline or other pleasant purchases. This card is available in Platinum, Silver and Gold. The more the client spends, the more he gets. The card status is updated monthly.
Main advantages
It is really profitable to be a client of Gazpromneft. Cardholders are offered great discounts and benefits, such as:
- Bonuses can be used not only for the purchase of fuel, but also for the purchase of other services at gas stations of Gazpromneft.
- You can spend the accumulated points at any gas station of the company.
- Customers participating in the loyalty program are refunded up to 5% of the spent expenses for gasoline and other services.
- You can view and manage the accumulated bonuses using your personal account, details on registration and logging into it can be read by clicking on this link. A personal account is created automatically when concluding an agreement with Gazpromneft.
- Bonus points are credited to the account the next day after payment for services.
- 24-hour hotline 8 800 700 5151. Consultants will answer any questions you may have regarding the rules of the system.
Scope of use
The bonus card allows you to gradually accumulate points. The received bonuses can be spent on the next visits to the gas station. This opens up new opportunities for customers. Just remember to show your bonus card before making a purchase.
Customers with such a card can purchase fuel and related products at certain discounts. For every one hundred rubles spent, a set number of points is awarded.
Methods of obtaining and activation
You can get the card "We Are Along the Way" at any gas station of Gazpromneft. You need to take a receipt from the cashier with the card activation code and the phone number for the SMS message. A message will be sent to the cardholder's phone that the card is activated. If the activation process has not occurred, you should contact the hotline for advice: 8 800 700 3152.
The accumulative discount program of Gazprom filling stations allows accumulating bonuses and constantly increasing the discount on fuel purchases.
When buying a discount card, the client receives a starting (initial) discount of 2%.
Table of discounts and bonuses on a discount card:
Starting (initial) discount on a discount card - 2%.
Bonus | 1 000 | 2 500 | 5 000 | 10 000 | 20 000 | 50 000 |
---|---|---|---|---|---|---|
Discount | 2,5% | 3% | 3,5% | 4% | 4,5% | 5% |
Bonus accrual scheme:
1 liter of gasoline / LPG gas = 1 bonus;
2 liters of diesel = 1 bonus.
Rules for participation in the Accumulative Discount Program:
- A discount card is issued to an individual (buyer) at a gas station when buying for cash and non-cash payments. The retail cost of the set (card, booklet, envelope and Client's questionnaire) is 250 (two hundred fifty) rubles, incl. VAT 20%.
- After paying the cost, an individual is issued a discount card. When the card is sold, the customer is issued a receipt confirming the purchase. When selling, the envelope must be closed.
- Each card is assigned to the client. To do this, it is necessary to enter in legible handwriting the surname and initials, the card number (it is printed on the front side) and the contact phone number. This information is required in the following cases:
- if the client forgets his card at the gas station;
- if the card is lost (the presence of information about the client in the client base will allow to restore the accumulated balance and transfer its discount to the new card).
- After completing the questionnaire, the client can use the discount card.
- To credit the refueled fuel to the card and accumulate a discount, it is necessary to provide the discount card to the cashier operator of the Gazprom gas station for scanning prior to refueling.
The lost card is blocked and cannot be restored even if it is found. The number of cards that one person can purchase is not limited.
The term of the accumulative discount program is also not limited.
If a defect in the card (a factory defect) was discovered, the card can be replaced at the expense of GES Retail LLC within the time period established by the Law “On Protection of Consumer Rights” of the Russian Federation.
If the card malfunction occurs due to improper operation, the card cannot be exchanged or returned.
A defect can be judged by the following external signs of the card: color of the card burnt out in the sun, scratches, cracks, folds, inscriptions and other damage arising from violation of storage and operation rules.
In these cases, as well as in the event that the card is lost, the client needs to purchase a new discount card at the gas station (the cost of the card is 250 (two hundred fifty) rubles, including 20% VAT) at his own expense and write an application for transferring the accumulated bonuses to a new card.
The transfer of the current balance is carried out in the presence of a check with the number of the previous discount card or information in the database about the Client specified in the questionnaire upon purchase.
Rules for storing and using a plastic card:
- Do not store the card near metal or radio-emitting objects. Placing magnetized items near the card can damage the applied magnetic tape. Keep the card away from your cell phone, tablet, microwave oven, router, or office equipment. Negative consequences for the card can occur after prolonged contact with the above items.
- Protect the card from household dust. When storing the card in a dusty place, there is a possibility that the data from the microcircuits will be destroyed and the tape will demagnetize. In addition, small debris can damage the surface of the card and the tape printed on the inside.
- Do not bend the card, store it at excessively high or low temperatures, or immerse it in liquid; it is not recommended to drop the card, as this may damage the data on the chip.
- To extend the life of your plastic card, it is recommended to purchase a protective case.
The discount card should be purchased only at gas stations of the Gazprom network. After the purchase, the customer is required to issue a sales receipt.
* Damaged discount cards are not accepted at the petrol station.
In order to identify the unscrupulous use of customer discount cards, GES Retail LLC reserves the right to block the discount card based on the analysis performed. To unblock the card, the client must immediately personally contact
Updated 12.17.2018.
Almost every network of gas stations has its own loyalty program, which can be skillfully used to significantly save on fuel. The purpose of today's article is to compare the cost of gasoline in popular gas station chains, taking into account their bonus programs.
There are actually quite a lot of gas station chains, but most of them are not represented in all regions, so it is not entirely correct to compare their fuel prices with each other.
I propose to focus on the following gas station networks: Lukoil, Gazpromneft, TNK and Rosneft, Tatneft, BP. Short-term stocks will not be counted for comparison.
I want to note right away that at these gas stations you can simultaneously receive points for loyalty programs (for this you need to show your card to the cashier before buying), and cashback when paying with a profitable bank card. Points are exchanged for a discount at the rate of 1: 1.
Gazpromneft. Bonus program "We are on the way"
In order to become a member of the We Are on the Way bonus program, you can purchase a Gazpromneft bonus card for 199 rubles. at gas stations (it is important not to confuse with gas stations "Gazprom" - this is another network of gas stations, also quite large, but in Moscow, for example, there are no such stations).
Depending on the level of spending at gas stations for the last month (with the presentation of a loyalty card), the bonus account will be credited with:
● or 3% points - Silver status (for purchases from 0 to 5999.99 rubles);
● or 4% points - Gold status (for purchases from 6,000 to 11,999.99 rubles);
● or 5% points - Platinum status (if the amount of purchases is more than 12,000 rubles);
However, buying a Gazpromneft bonus card and maintaining a turnover of spending in order to receive a discount is still not our method. We will go the other way. You can apply for a co-branded Gazprombank-Gazpromneft card, which earns irreducible Gold status in the “We're on the way” bonus program:
The banking functionality of this card is of no interest (1 point for 100 rubles when paying by card, which is equivalent to a 1% cashback), it is better to use the Gazpromneft-Gazprombank card simply as a bonus (show it to the cashier before paying at a gas station).
The usual price of an unnamed Gazprombank-Gazpromneft card is 200 rubles / year:
But the usual price does not bother us much, for the action until 12/31/2017 you can get an instant Unembossed Gazprombank-Gazpromneft card for free:
A prerequisite for receiving a free card, according to the rules of the promotion, is to write an application for the transfer of wages to Gazprombank:
However, this statement does not oblige you to anything, there is no requirement to transfer the salary, you just need to fill out an application, and you will be given an unnamed card with a bonus application (the bonus application is activated at a gas station when you purchase from 100 rubles).
To be honest, filling out the application itself also turned out to be optional, at the end of February 2017 I just came to the Gazprombank branch and said that I often refuel at Gazpromneft gas stations, and there I was recommended to issue a co-branded card. Marinka gave me an unnamed free Gazprombank-Gazpromneft card without any questions.
The bonus application of the card has nothing to do with banking functionality and continues to work even if the card is closed (of course, there is no need to hand it over to the bank), or if its validity period expires:
Once again, I would like to draw your attention to the fact that in order to accrue bonuses to a bonus account, you need to show the card to the cashier before payment, you can pay with another card with a cashback at the gas station:
UPD: 03/23/2018
Unfortunately, the campaign for the free distribution of Gazprombank-Gazpromneft cards in 2018 did not last. For now, we are just waiting for new profitable offers from the bank.
UPD: 04.06.2018
Since June 1, 2017, the Gazpromneft filling station network has noticeably worsened its bonus program "We are on the way". If earlier points were accrued as a percentage of the cost of fuel (for silver status - 3%, for gold - 4%, for platinum - 5%), now points are given in terms of each liter of fuel. So on the silver status for 1 liter of the 95th will give 1 point, on gold - 1.25 points, on platinum - 1.5% points.
For comparison, according to the old rules, refueling with 95th gasoline per 1000 rubles. on the gold status, 40 points would be awarded, according to the new rules it will be (1000: 45 rubles / liter) * 1.25 = 27.77 points. Accordingly, the more expensive gasoline is, the lower the final cashback will be.
Also, the lifetime of bonuses that will be credited after July 1, 2018 is reduced from 36 to 12 months.
If you received a free Gazprombank-Gazpromneft card for a promotion, please note: From 06/01/2018, SMS notification on this card will become paid (59 rubles / month), and it was automatically connected to all cards upon issue. You can disable this service at the Gazprombank office:
TNK and Rosneft. Bonus program "Family Team"
The TNK and Rosneft gas stations have a Family Team bonus program. To receive the Family Team loyalty card, you need to make any purchase at these gas stations. The card is issued free of charge (more precisely, a set of three cards is issued, one of which has banking functionality).
Banking functionality is provided by the All-Russian Bank for the Development of the Regions (RRDB) or the Far Eastern Bank:
True, there is little sense in the banking functionality of the Family Team card, when paying for goods and services for every 200 rubles. will give 1 point, which is equivalent to 0.5% cashback. I see the only use of this functionality in going through identification at the bank to receive 100 bonus points as a gift:
Therefore, the "Family Team" card should be used only as a bonus (show it to the cashier before paying):
The bonus account is credited with 0.5 points for the purchase of each full liter of fuel and 1 point for every 20 rubles spent on related products at the gas station:
You need to be careful with TNK filling stations, some of them have a different bonus program, not Family Team, but Astra.
UPD: 17.12.2018
The Rosneft Family Team bonus program has many different partners, sometimes there are quite good offers there.
Until the end of December 2018, in the “Family Team” personal account (in the “Promotions” section), you can exchange useless Aeroflot miles, which many have already accumulated, but not enough to buy a ticket for them, for points of the “Family Team” program. Let me remind you that 1 point corresponds to 1 ruble discount at Rosneft filling stations.
The course is not the most attractive, but something is better than nothing. Aeroflot's 1,500 miles correspond to 500 Family Team points. Points become available for use after 14 days.
Lukoil. Bonus program Likard
A bonus Lukoil card can be obtained free of charge at a gas station:
For every 50 rubles spent on the purchase of fuel or other goods at Lukoil filling stations, 1 point is credited to the bonus account. The card must be presented to the cashier before payment:
The purchase amount is rounded down to a multiple of RUB 50:
Lukoil has co-branded cards with Otkritie Bank and Uralsib. Why they exist, I still do not understand, nothing profitable can be obtained from them:
BP. BP Club Bonus Program
BP gas stations have a BP Club bonus program:
You can get your bonus card free of charge at BP filling stations:
The card has a banking application from RRDB, which is as useless as the Family Team card (1 point for 200 rubles spent in any merchant).
It is more reasonable to use the BP Club card only as a bonus card, i.e. show it at a gas station before buying:
BP has several statuses for earning points:
● at the Green level (when purchasing less than 300 liters of fuel in the last 90 days) for every 100 rubles spent on fuel, 1 point is awarded, for related products - 2 points for 100 rubles;
● at the Gold level (when purchasing from 300 to 600 liters of fuel over the past 90 days) for every 100 rubles spent on fuel, 2 points are awarded, for related products - 4 points for 100 rubles;
● at the Platinum level (when purchasing more than 600 liters of fuel in the last 90 days) for every 100 rubles spent on fuel, 3 points are awarded, for related products - 6 points for 100 rubles;
When calculating points, the rules of mathematical rounding are used:
Tatneft. Discount card "Fixed discount"
TATNEFT simply offers to buy its bonus discount card for 170 rubles. (or 190 rubles at the filling station of OOO Tatneft-AZS-Zapad). The card is valid for 12 years. Holders of the discount card are entitled to a 3% discount on gasoline and 6% on gas products:
The Tatneft discount card must also be shown to the cashier before the purchase; it is better to pay for gasoline with a card with a good cashback at a gas station.
UPD: 12/14/2018
The basic discount on fuel with a discount card at TATNEFT filling stations was reduced from 3% to 1.5% when purchasing oil products and from 6% to 3% when purchasing gas products:
Also, on the official website of the Tetneft filling station, information appeared that a discount on a discount card is not allowed when paying for fuel with a card. True, you don't have to tell the cashier that you are going to pay with "Halva" ...
UPD: 12.01.2018
The TATNEFT filling station network has launched a new bonus program Bonuses Tatneft, for which you can get up to 8% in bonuses in addition to the usual cashback on a bank card:
To participate in the promotion, you need to register in the bonus program any bank card with which you will pay for gasoline or which you will show when paying in cash.
For the first purchase of fuel with a registered card, 8% bonuses are required (the purchase must be at least RUB 1,500). As of 12/14/2018, Tatneft no longer pours increased bonuses for the first purchase. Also, in the first three months from the date of registration, a 1% surcharge is added to the standard bonus scale.
The amount of bonuses depends on the amount of the check and the turnover of spending for the last month. It is most profitable to refuel for 1500 rubles. and more at a time. So with a turnover of spending last month up to 4999 rubles, 3% will be credited to the bonus account, with a turnover of spending last month from 5000 rubles. up to RUB 10,999 - 4%, with a turnover of spending last month from 11,000 rubles. - 5%:
Bonuses are credited at the time of purchase:
1 bonus corresponds to 1 ruble of discount. While bonuses can only compensate for the full cost of refueling, you need to inform the cashier in advance about the desire to pay with bonuses:
If there is no movement on the bonus account for 6 months, bonus points are canceled:
So far, the bonus program is valid only in Moscow, Moscow, Tver and Voronezh regions. However, Tatneft promises a gradual increase in the geography of the bonus program:
UPD: 03/23/2018
It is important to note that you cannot get a discount on Tatneft's discount card and bonus points at the same time, you need to choose one thing. It is also worth noting that points are not awarded when paying using a smartphone or watch:
UPD: 12/14/2018
The new bonus program of TATNEFT has a "Bring a Friend" promotion. Each invitee will receive 50 bonus rubles as a gift after the first refueling, and the inviter - 7% of the friend's bonuses in the first three months.
Which gas station has the cheapest gasoline
It's no secret that the cost of gasoline and diesel fuel differs even at filling stations of the same network in the same city, and the difference is not just a few tens of cents, but a few rubles.
To identify the most profitable network of gas stations, ideally, you need to take the average cost of a certain brand of gasoline at all gas stations. However, the average cost will give nothing to an ordinary client, he is interested in the price of fuel in the areas where he is most often located.
For these purposes, there is a fairly convenient mobile application. multigo.ru, in which you can find out the cost of any brand of gasoline at specific gas stations near a given point.
For example, let's take the area of the Dubrovka metro station in Moscow, where the filling stations of all five gas stations are presented, whose bonus programs we discussed in the article:
So, in the area of interest to us, the minimum price for AI-95 is:
● at Lukoil filling stations - 39.40 rubles / liter.
● at Gazpromneft filling stations - 38.95 rubles / liter.
● at Rosneft filling stations - 39.00 rubles / liter.
● at the BP filling station - 39.79 rubles / liter.
● at the TATNEFT filling station - 39.00 rubles / liter.
The cost of gasoline at the filling station, taking into account the bonus program and cashback
Let's calculate what the final price of a full AI-95 tank of a small car (V = 40L) will be, taking into account all the bonus programs of different gas stations.
Full tank of AI-95 at the BP gas station.
5th place.
Fuel cost without discounts: 39.79 rubles / l * 40l = 1591.6 rubles.
From this amount you need to subtract 5% cashback from KEB 1591.6 * 0.05 = 79.58 rubles.
We also subtract 16 rubles from the full cost, which are credited to us under the BP Club bonus program, we will assume that we have the minimum Green level (1 point for every 100 rubles, taking into account mathematical rounding we get 16 points).
In total, a full tank of gasoline at the "BP" filling station cost us 1591.6-79.58-16 = 1496.02 rubles. (if we had Platinum status, it would be 1591.6-79.58-48 = 1464.02 rubles)
The total price of 1 liter of AI-95 at the BP filling station is 1,496.02 / 40 = 37.4 rubles / liter.
Full tank of AI-95 at the Lukoil gas station.
4th place.
Fuel cost without discounts: 39.40 rubles / l * 40l = 1576 rubles.
From this amount you need to subtract 5% cashback from "KEB" 1576 * 0.05 = 78.8 rubles.
We also subtract 31 rubles from the total cost, which will be credited to us under the Likard bonus program (1576/50 = 31.52. Taking into account rounding off, we get 31 points, which can be exchanged for 31 rubles discounts).
In total, a full tank of gasoline at a Lukoil gas station cost us 1576-78.8-31 = 1466.2 rubles.
The final price of 1 liter of AI-95 at the Lukoil filling station is 1466.2 / 40 = 36.66 rubles / liter.
Full tank of AI-95 at Rosneft filling stations.
3rd place.
From this amount you need to subtract 5% cashback from "KEB" 1560 * 0.05 = 78 rubles.
We also subtract 20 rubles from the total cost, which are credited to us under the “Family Team” bonus program (40 * 0.5 = 20 points).
In total, a full tank of gasoline at Rosneft filling stations cost us 1560-78-20 = 1462 rubles.
The total price of 1 liter of AI-95 at Rosneft filling stations is 1462/40 = 36.55 rubles / liter.
Full tank of AI-95 at the TATNEFT gas station.
2nd place.
The cost of the Tatneft discount card is 170 rubles. we will not accept for calculations, given that its validity period is 12 years, the price looks insignificant.
Fuel cost without discounts: 39.00 rubles / l * 40l = 1560 rubles.
From this amount, we subtract a 3% discount on a discount card 1560 * 0.03 = 46.8 rubles.
Cashback from "KEB" is calculated from the amount at a discount (1560-46.8) * 0.05 = 75.66 rubles.
In total, a full tank of gasoline at Tatneft filling stations cost us 1560 - 75.66-46.8 = 1437.54 rubles.
The total price of 1 liter of AI-95 at the Tatneft filling station is 1437.54 / 40 = 35.94 rubles / liter.
Full tank of AI-95 at the Gazpromneft gas station.
1st place.
Fuel cost without discounts: 38.95 rubles / l * 40l = 1558 rubles.
From this amount, you need to subtract 5% cashback from "KEB" 1558 * 0.05 = 77.9 rubles.
We also subtract 62.32 rubles from the total cost, which will be credited to us under the "We're on the way" bonus program for the "Gold" status: 1558 * 0.04 = 62.32.
In total, a full tank of gasoline at Gazpromneft filling stations cost us 1558 - 77.9-62.32 = 1417.78 rubles.
The total price for 1 liter of AI-95 at Gazpromneft filling stations is 1,417.78 / 40 = 35.44 rubles / liter.
Output
In the case considered, the most profitable was the Gazpromneft network. ( UPD: 01/12/2018: Thanks to new bonus program refueling at TATNEFT filling stations is no less profitable, especially at high rpm). But, I think, each of you will get your own plate of profitable gas stations, taking into account your usual route. In addition, there are many good regional gas station networks with their own bonus programs, which were deprived of attention in this article, for example, "EKA", "Bashneft", "Trassa", "Astra", "Shell", "Neste oil", etc. ...
The main thing I wanted to say is that you just need to present a bonus card before paying, and pay with another card with a cashback. You can participate in several loyalty programs (especially if participation is free) and use the gas station network that currently offers some additional interesting buns.
I hope my article was useful to you, write about all the clarifications and additions in the comments.
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