On the market bank cards A special place is occupied by payment instruments with refunds, among them the Supercard+ of Rosbank. Let's consider its pros and cons, compare the terms of service for credit and debit cards, and outline the pitfalls when calculating and paying cashback.

Supercard+ of Rosbank: conditions and tariffs

In 2018, both debit and credit cards were issued in the Visa payment system, Platinum category. In the first case, it requires the execution of a package of services with the same name, in the second - it is issued only if the client’s application for borrowed funds is approved.

Tariffs for credit and debit Supercards+ are different, but the rules for calculating cashback are the same. From the information below, you can understand which option suits you best.

Debit

The Rosbank supercard with cashback in 2018 provides for the following conditions and tariffs for use:

• The cost of servicing the service package is 500 rubles. monthly, if the minimum account balances for billing period did not reach 250 thousand (free then). Not the cheapest tariff, so user reviews note this as a minus when applying for a Supercard Plus from Rosbank.
• Your main Supercard+ and 2 additional ones are serviced within the PU without commission. The fourth, which is included in the package, will cost from 300 to 4500 rubles. per year (depending on the category).
• Cash withdrawals from network and partner ATMs and intrabank transfers are available at no additional cost;
• Receiving money from self-service devices of third-party financial institutions - 1%, through a bank cash desk - 0.5%.
• Interbank transfers, for example, will cost 0.4% through Internet banking and 1% through a branch. In comparison with competitors, these are very reasonable figures; customer reviews indicate that inexpensive interbank banking is a tangible plus for the Supercard+ from Rosbank.
• Emergency reissue outside the country: 7,500 rubles.

According to the conditions, limits on the issuance of money in 2018 are set within the following limits (in rubles):

• 0.5 million – per day;
• 1 million – per month;
• 250 thousand – with an additional card for 30 days;
• 3 million – for transactions via the Internet, per month.

Credit

The advantage of a credit card is the fact that it does not require a package of services, but is charged separately. The monthly use fee is 890 rubles.

The general conditions for servicing the credit Supercard Plus from Rosbank in 2018 are as follows:

• High credit limit: from 30 thousand to 1 million rubles - a definite plus for clients who want to get broad financial opportunities.
• Grace period: 62 days (for returning used funds without interest) - not as long as, for example, by, but not the shortest.
• Rate: from 26.9%. A high interest rate on credit cards is their inherent disadvantage, which is explained by simplified registration requirements, which means increased risks for the bank.
• Commission for withdrawal of money: 4.9% not less than 290 rubles. - free cash withdrawal from the card is not provided, which is also a disadvantage of the banking product.

Terms of free service

In 2018, the debit Supercard+ can be used without additional fee(in general for PU), if you maintain a balance of more than 250 thousand rubles. This takes into account the balance of all current accounts of the client, including Savings. According to reviews, this is both a plus and a minus, on the one hand, you will have to give your savings to the bank (for example, place it on), on the other hand, this a great opportunity do not pay for the package of services at all.

According to the terms of the agreement, the Credit SuperCert is paid once a year throughout the entire validity period. You can use the free loan for up to 62 days. In the bank Grace period(LP) operates on the principle of settlement and reporting intervals, as in most financial institutions:

As you can see, according to Rosbank’s terms, you are given three months - three billing periods.

An important feature of calculating grace is that weekends (including holidays) at the junction of months can increase your amount for the previous billing period and shorten the period for repaying this debt.

For example, if you made large purchases on May 1 and 2 (traditional weekends), then they will be included in April grace and must be paid before June 1. The situation is the same with holidays in January.

By the way, this does not affect the cashback calculation - all transactions made in the current month will fall into it (hereinafter, reviews - according to the banks.ru forum):

How to apply for a card

To apply for a PU and debit Supercard+, you will need to contact the Rosbank office, where you will write a corresponding application.

Design credit card You can also do it in person or by sending online application. The latter is more of a form of address. A bank employee will contact the applicant, inform him of the preliminary decision and ask him to visit the office with documents. Based on the level of solvency, a decision is made on the size of the credit limit.

According to reviews, it is unrealistic to get a credit card without proof of income - responses from borrowers have always attributed this fact to the disadvantages of consumer lending.

According to Rosbank’s conditions, you can apply for a Supercard+ credit card in 2018 if you have the following documents:

• Passport.
• Confirmation of place of employment (work book or other document according to the field of activity).
• Personal income tax-2. Information about wages or the amount of income can be provided on other documents: employer’s letterhead, extract, declaration, etc.:

Supercard from Rosbank: cashback and pitfalls

The main advantage and advantage of the payment instrument is cashback - part of the spent funds from the card is returned to the user.

Calculation and accrual rules

Active interest in the Supercard Plus of Rosbank is manifested due to the welcome cashback.

According to the conditions of 2018, after activating the payment instrument, an increased cashback of 7% is awarded for purchases in any categories for three months. The report does not start from the date of card activation, but from the beginning of the month in which this action took place.

At the end of this period, cash back is applied in the amount of 1% on all purchases (except for MCC codes prohibited by the rules) and 7% in special cashback categories.

An important condition for receiving a refund on the Supercard+ from Rosbank is the total amount of purchases for reporting period(month) must be at least 20,000 rubles.

The rules for calculating bonuses in Rosbank look like this:

• Payment of points for the past month occurs no later than last day next;
• Points are converted into rubles on a 1:1 basis and credited to the account;
• If abuse or fraud is suspected, bonuses are not calculated (for example, when making payments at one point of sale for more than 0.5 million);
• Points are rounded to the nearest whole number;
• The maximum number of points per month should not exceed 5000.

Increased remuneration categories

Increased cashback - 7% in 2018 after the welcome period expires - is awarded in several directions, which change according to the time of year:

For example, for the period July-September 2018, the cashback categories of the Rosbank Supercard with increased payout are as follows:

For which transactions cashback is not credited?

Cash back is not available for the following transactions:

• Payments in casinos, online games;
• Insurance payments;
• Banking procedures: at the cash desk, through terminals, loan payments, etc.;
• Internal and interbank transfers;
• Replenishment of electronic money services;
• Payments for services via Internet banking;
• Government payments.

Rosbank Supercard: promotional codes 2018

In order to attract new clients, the bank sometimes releases digital combinations into mass circulation, sends them out individual offers or issues upon receipt of the payment instrument.

Users have the right to transfer information to other persons so that they can apply for a Supercard+ at Rosbank using a promotional code in 2018.

There are different combinations - for free service, reduced interest rate, for a reward for an attracted client, etc.

Promotional codes can also be issued by bank partners. In this case, certain benefits are entitled, for example, a year free service. You can find promotional codes for the Supercard in 2018 through forums, special services and social networks.

The promotional code must be indicated in the application when applying for the card.

You definitely shouldn’t pass by Rosbank’s fresh, generous offer to issue a card with 7% cashback.

Tariff “Supercard+”– a reincarnation of the “Supercard” tariff from the end of 2015, but the conditions have become a little stricter, the service has become more expensive, but overall the card is still attractive.

The card is offered for registration from June 10, 2016, but you shouldn’t immediately put things off and rush to the office, because you can save 6 thousand rubles on annual maintenance and this is not a joke.

A little background.

At the end of 2015, Rosbank offered for registration simply a “Supercard” with a 10% cashback, which was promised to be paid in February 2016 for all purchases until the end of January. To the credit of the bank, everything was paid to everyone. (dated November 14, 2015).

The card “cost” 450 rubles/month. or free of charge when maintaining an account balance of 250 thousand rubles or more. To get the maximum “profit” of 15 thousand rubles, you had to spend a maximum of 150 thousand rubles for the entire period until the end of January.

Now available for registration Supercard+ with 7% cashback on all purchases during the promotional period for 3 months, 7% on selected categories all year round and a permanent 1% cashback on all purchases. Let's figure it out.

Something new:

4812, 4814, 4829, 4900, 5933, 5960, 6010-6012, 6050, 6051, 6211, 6300, 6529, 6530, 6532-6540, 7276, 7800-7802, 7994, 7995, 9222, 9311

Return of the Supercard+ with free service for 1 year and 7% cashback on all purchases during the welcome period for 3 months. The promotion runs from 08/22/17 to 12/31/2017

• Card type: Visa Platinum, with chip and Paywave. It’s a personalized card; you can, of course, get an instant card as part of the package, but it will not have a cashback function. There is no point in doing additional things.
• Maintenance cost: 500 rub/month.

For free under conditions:
– if an amount of more than 250 thousand rubles is stored on current accounts or deposits. By the way, max. Savings Account rate – 6.5%

- If you received a promo code as a client of Rosbank and attracted at least four of people to apply for a Supercard+ under this promo. At the same time, for three clients you receive the amount of 3,000 rubles, and for the fourth – free annual maintenance.

- If you received a promo code from a friend/acquaintance with an offer to get a card for free and did not previously have a current account.

Terms of action "Bring a friend", launched on June 15, are briefly laid out in the standard tariffs of Rosbank (link above) on the last (17th) page. Details can be found in the Rules of the promotion (+).

A bank client who has received a promo code can invite to apply for a Supercard+ for at least 4 people. For 4 referred clients, each of whom makes at least three purchases, he will receive 3,000 rubles and free card maintenance for a year.

You can find these details on the promotional page, the address of which is communicated via SMS: rosbank.ru/ru/mgm or in the “Promotion Rules”.

A person who received a promotional code from a bank client can become a client and receive free annual card service:

Important! A potential client is one who does not have current accounts at the time of opening Supercard+ PBU:

Personal experience. I was a client with a “Supercard”, I closed the card in February after receiving a cashback payment. Remained a client of the bank: deposit + credit card.

On June 10 I applied for the card, on June 20 I received a promo code to attract friends.

• SMS-information: 55 rubles/month, the first three months are free.
• Mobile bank+IS free of charge, to access the information security you can register using a card through the website or by initial registration issue an Internet card, 8 digits of which will become the login for information security.
• Interbank transfers via IB: 0.4% (min. 20 rub., max. 750 rub.)
• Cash withdrawal: 500 thousand/day, 3 million rubles/month, 0.5% commission for withdrawals at cash desks. Free withdrawals from local ATMs and from partners: Alfa-Bank, Raiffeisenbank, VTB24, Gazpmrobank, Uralsib, Rosselkhozbank, Akbars.
• Currency operations: Traditionally high conversion fees, ranging from 1.2% to 3%.

Cashback: 7% for the first three months, then 7% for categories determined by the bank and 1% always. Maximum for cashback accrual: RUB 5,000/month. “Behind the scenes” remains the fact that Rosbank itself transfers to tax authorities 13%:



Rules for calculating cashback +.


Mandatory amount purchases to earn cashback: 20 thousand rubles, payments once a month. without explanation of a specific date.

• List of exceptions for accruing cashback has increased, below is the list of mcc codes, information under the spoiler below.

Attention, for operations from 01.12.2016 the list of exceptions was changed, 4812 disappeared, 8999 and 7995 appeared.

Current list of exclusions in order: 4814, 4816, 4829, 4899, 4900, 5960, 5933, 5999, 6010-6012, 6051, 6300, 7800, 7801, 7802, 7994, 7995, 8999, 921 1, 9222, 9223, 9311, 9402, 9399.

Possible problems and solutions, frequently asked questions

1. Where can I get a promo code to issue a card with savings of 6,000 rubles/year?
   The first promotional codes began to be published by users on June 22 (I received them on the 20th). They still are publicly available or published in the corresponding forum thread of banks.ru. See the comments to this article - I'm sure someone will offer or has already offered their code.
   I don’t publish my promo code or someone else’s for a simple reason: each referral benefits from 4 referred people; the bank does not pay or thank you for more.
   But I also don’t think that anyone will refuse to give you the code purely out of spite: it won’t hurt you, and you’ll save 6,000 rubles on annual maintenance.
2. To get a free card, do you NOT need to be a Rosbank client?
   I'll quote free condition servicing a package of services from the tariffs:
   “...individuals, those who have not previously had current accounts , opened in the Bank, who issued the PBU “Supercard+” on the recommendation of the Bank’s Client as part of the “Refer a Friend” campaign.”
   A scary condition, because Rosbank large bank, many have been or remain clients. But some do not lose hope:
   
   This is in theory, practice will be in a couple of months, formally the client has not used RB for 5 years, when registering for a promo, an open account was discovered. They woke me up and transferred me to Supercard+ according to the promo, formally they shouldn’t have done it that way. When the review was almost written, the (deeply hidden) conditions for the Refer a Friend promotion were found, which stated that anyone who has closed accounts with Rosbank is considered a Potential Client. For them, provided they provide a promotional code, the card will be free.
   This means that you don’t have to be a completely new client, it's enough not to have open accounts .
3. I still have an old Supercard account, should I close it and open a Supercard+?
   Supercard+ is a new PBU, you need to close the old package with the card blocked and immediately open a new one. Two PBUs cannot be active, just as it is now impossible to open Supercard+ and “Autocard” at the same time - Rosbank’s latest offer with 5% cashback for gas stations and auto services.
   However, experiments from last year are well-known: one client could receive 2 “Supercards” at once by registering in different regions - the database is not uniform.
4. Are the employees making mistakes? What to expect in the office?
   Immediately warn that you want to apply for a “Supercard+” with a promo code - if you have one. The employee will be required to enter information about your ID and the issued promotional code on his internal “portal”. May request information about the person who invited you to Rosbank: full name + telephone number.
   SMS notifications will not be superfluous for 3 months - free for now. It is also better to connect Internet banking immediately and check its functionality.
   Of course you You may get incompetent employees, who does not know the conditions for issuing a card, does not knowledgeable conditions promotions and use of promotional codes. But their number should decrease every day, after all, the card is considered a premium one, with a hefty service cost, mistakes are unacceptable here.
5. I have already received the card, what is the plan of action?
   We spend every month from 20 thousand to 71,427 rubles, we receive up to 5,000 rubles in net cashback every month, and the bank transfers an additional 13% of taxes for us.
   They give advice about activating the card in early July, supposedly “The welcome period is three calendar months from the date of unlocking (activation) new Map, including the month of unlocking (activating) the Card,” which means that using the card at the end of June automatically reduces the three-month period of use.
6. Can the bank refuse to pay cashback?
   Yes, if the amount of 500 thousand rubles was processed at one payment point. and more. Yes, if the operations are related to the implementation of business activities. Yes, if the bank considers that your purchases have signs of abuse: identical, regular, not typical for a given point.
7. What happens after three months of 7% cashback?
   In October-December (this period is the same for everyone!) we will receive 7% cashback for paying bills in restaurants, cafes, canteens and bars. By the way, there is such a nuance left there; if you spend much more on operations with increased remuneration, the bank will consider this to be abuse and will deprive you of cashback :)
   If you do not plan to spend significant amounts on cafes and restaurants, it is better to close the card or postpone it for later, because... getting 1% cashback at such a cost of service is not worth our attention.

Alternative map review in

by 4 foreign currency accounts with the possibility of cash back up to 7% of the amount spent.*This offer is called “Supercard +”. What kind of “plastic” is this and how to get it - this article will tell you.

Supercard - conditions

Why Supercard, what’s special about it? This map allows you to receive monthly income for the balance of funds, store money in a convenient currency - dollars, rubles, euros, yuan. In addition, the Supercard allows you to receive a percentage back on purchases and enjoy other benefits of the Visa system.

It’s easy to apply for this product - go to a Rosbank branch with your passport. Experts will tell you in detail what exactly to indicate in the application. You can also receive the issued one at the department; on average, the production time takes 2 weeks. An SMS notification informs you that the card is ready.

So what does it take to get a percentage of the money you spend back?

Features of the Supercard cash back accrual:

• A 7% bonus will become available from the 4th month of using the card if you purchase goods from the categories specified by the bank. In the first quarter of next year, the bank offers to purchase beauty and health products. 2 - start arranging the house. In the 3rd and 4th quarters, to receive a nice bonus, you need to spend money on children and entertainment, respectively.
• If you purchase goods not chosen by the bank, the cash back will be only 1%. In this case, the monthly “reward” limit is set at RUB 5,000. With a subscription fee of 6,000 rubles. per year, that's quite .
• In the first 3 months, it is carried out on absolutely all purchases paid by card.
• Accrued if the consumer has made purchases worth 20,000 rubles. monthly, for six months. But, even if the client spends less than this amount, it is profitable to use the card in the first 3 months.

Important conditions of the Supercard:

• If the balance is more than 250,000 rub. the bank charges 6.5% per annum on the account. But if the amount is less, then you can get only 5.5% “on top”.

• You can receive income from all the money in the balance. It is worth mentioning that this is really important, since many banks have a limit on the amount.

The card is issued free of charge. It is worth noting that this offer is more suitable for people whose income is much higher than the average. The offer is beneficial for those Rosbank clients whose average annual account balance exceeds RUR 250,000. If the balance is less, the bank will charge a service fee. The commission will be 500 rubles per month, which equals 6,000 rubles per year.

Supercard plus

Among the advantages of this proposal it is also worth noting:

• You can withdraw cash without. The bank has an extensive network of partners providing this opportunity.
• The card belongs to the Visa platinum system, which means that all the benefits of this system will be available to you.
• Issue additional cards is carried out free of charge.
• PayWave system.
• Providing free insurance for persons temporarily leaving the Russian Federation.
• This card provides discounts when paying medical services or renting bank safes.

There is a not entirely pleasant bonus for those who prefer to use foreign currency in everyday life. Up to 0.3% for balances over $3,000. If the amount is smaller, the percentage is correspondingly even lower.

Overall, this card is a premium product that provides all the features of this segment. But the funds that will be stored on it should also be above average.

The deposit is opened when 1,000 rubles are deposited into the account. This amount must always remain in the account; this is a mandatory condition for using the card.

Promo code: Supercard

Rosbank provides its clients with the opportunity to reduce the cost of subscription fees for the Supercard to zero. A promotional code is used for this purpose. To get it, you need:

1. Contact the bank and get a promo code for friends and family.
2. 12 relatives must apply for this bank product for free.
3. Each of your friends must make 12 transactions with their Rosbank cards.
4. The bank promises to reward a client who invites new consumers - 1,000 rubles. for each person who joins.

Having fulfilled these conditions, expect a personal code for you.

Supercard from Rosbank - pros and cons

Summarizing everything written above, we can draw the following conclusions.

The advantages of using this product:

• Pleasant cash back percentage. Subject to full compliance with the bank's conditions.
• Additional cards are free.
• System of discounts and bonuses.
• Comfortable conditions for the first 3 months of using the card.
• Convenient remote access systems cash- mobile application and .
• Concierge service. Allows you to receive information about hotels and flights, book rooms and call a taxi.
• Receive cash without commission.

But, with all this, the card also has significant disadvantages that are disadvantageous to the average person.

Cons of the Supercard:

1. Specific conditions for receiving cash back.
2. A number of banks today offer their clients much more pleasant conditions at 8% per annum and with a smaller amount on the balance.
3. High cost of service if the bank's conditions are not met.
4. Only 1% of income, if the amount on the card is less than 250,000 rubles.
5. Replenishing the card through partner terminals is subject to a commission.
6. You also need to pay for using SMS notifications. About 55 rub. monthly.
7. This product cannot be issued to those who are already clients of Rosbank. Only for new investors.
8. The agreement contains a clause that allows the bank to change the terms of the deposit. Of course, the bank undertakes to inform you about this 2 weeks in advance.

Rosbank Supercard: reviews

If you turn to the forums of Supercard holders from Rosbank, you will get the following picture:

• in bank offices they are reluctant to issue a card, there are cases of “confusion” and registration of a completely different product;
• the proposal is more like a public offer, the essence of which is to lure “fresh” clients;
• an imperfect system of promotional codes; often the client does not receive either the reward for each invitee or the personal code.

1. When concluding an agreement with a bank, carefully study all the clauses of the agreement and ask for all the “vague” points to be clearly explained to you.
2. If you do not want to use the card after the first three months, block it. This way you can avoid unnecessary expenses on maintenance.

Rosbank super card: 7% cashback on everything?

5 (100%) 2 votes

And this is what the map itself looks like:

Perhaps the most important thing that needs to be said is that

7% cash back applies to everything only in the first three months of using the card!

Welcome period of Supercard+

The super card is most “chic” in the first three months of its use: 7% cash back for all purchases - that’s really cool! Rosbank will pour 7% of the “porridge” for this:

“Bonus” purchases mean purchases made directly at retail outlets (cafes, shops, cinema, any purchases on the Internet, etc.). This does not include operations of replenishing a card, withdrawing cash, transfers from a card to an account and vice versa, “pulling” money from a card to any other cards, operations of deducting a commission (for example, for SMS information), payment for services in mobile application and online banking, payment of taxes and fines, purchase lottery tickets, casinos, sweepstakes, etc.

Here is the entire list of exceptions for transactions for which cash back is not credited:

The period of 3 months during which cash back 7% is credited for all purchases is called welcoming and is taken into account as follows: this month in which the card was activated + 2 months after it.

Example: You received the Super Card on November 16th. This means that for purchases made from November 16 to the end of January you will receive 7% cash back. Starting from February 1, a post-welcome period begins for you, in which 7% cash back is returned only for a certain category, which is designated by the Bank itself, and for all purchases outside this category, 1% cash back is returned.

Advice!

Receive your card early in the month to ensure your welcome period is as long as possible. It is most profitable to get a card on the 1st of the month, then you will receive a full three-month welcome period, during which you will receive 7% cash back on all purchases.

As soon as the card is issued, you will see it in the Bank’s mobile application or Rosbank’s Internet bank, but you will only be able to find out about the immediate arrival of the card either by personally contacting the branch, or if they call you and inform you about it. Unfortunately, logistics at Rosbank are clearly lame, and whether they will call you back or not depends solely on the customer focus of the particular office in which you will be served.

Post-welcome period Supercard+

After the first three months, the euphoria from the Supercard will slowly but surely subside, because in the post-welcome period the Supercard is no longer quite “super”: starting from this time, Rosbank will award 7% cash back only in the category that it itself will determine:

• in October, November and December these are cafes and restaurants (including fast food restaurants and canteens);
• in January, February and March - it’s beauty and health (this includes purchases in pharmacies, opticians, clinics, hospitals, dentists, spa centers, beauty salons, hairdressers, massage parlors);
• in April, May and June - “Everything for the home” (this includes purchases of household goods, repairs, household appliances, furniture);
• in July, August and September - entertainment and goods for children (these are cinemas, theaters, circuses, bowling alleys, museums, children's stores, etc.).

For all other purchases in the post-welcome period, the Bank will credit 1% cash back.

Note!

No matter what period you make purchases - in the welcome or post-welcome period - the condition for accruing cash back is the need to make purchases on the card during the month total amount at least 20,000 rubles! If you make purchases for a smaller amount during the month, cash back will not be credited at all!

And further! If in the post-welcome period you make purchases in non-bonus categories in an amount that is 2 times less than the bonus amount, the Bank may not pay cash back. Thus, the already not the most attractive conditions for using the card after the welcome period are actually even worse. Not everyone will be interested in monitoring turnover outside the bonus category with turnover in the bonus category. It’s easier to decide not to use the card after the welcome period at all, but to find something more interesting on the bank card market by that time;)

The maximum amount of cash back that can be received per month, starting from 12/01/2016, is set by Rosbank in the amount of 5,000 rubles. This is a very good figure. Other Banks offering similar cashback products do not offer such a maximum cash back. Using simple mathematical calculations, you can calculate the amount of purchases per month on the card, for which you can get the maximum cash back - this is 71,427 rubles.

“Porridge” falls during the month following the reporting month. For example, for purchases in September 2016, cash back was credited on October 25.

But, like any tasty product, Rosbank also has its drawbacks. We will describe in more detail in the point-by-point description of the terms of service.

Maintenance cost

Plastic bag banking services“Supercard+” is issued free of charge, but the monthly service cost is 500 rubles. This is very expensive even for a Visa Platinum card, which actually does not provide any special privileges. But this commission can be avoided if:

• You keep an amount over 250,000 rubles in a savings and/or card account with the Bank for a month (on which you will also receive interest);
• When applying for a card, you provided a promotional code that allows you to receive service for free. This promotional code can be obtained from a current cardholder or simply from open sources. Here is a working promotional code that you can use to register for free now: MGM$XXR5.

In order to apply for a SuperCard for free using a promotional code, you need to come to any Rosbank branch with your passport, report your desire to apply for a SuperCard+ and that you have a promotional code. The cashier should register you using a promotional code.

Keep in mind!

The promo code allows you to receive free service under the “Supercard+” package only for the first calendar year service. At the end of the year, in order to continue to receive free service, you will need to freeze the amount of at least 250,000 rubles. Otherwise - a commission of 500 rubles.

Advice!

Because the card is actually of no interest after the end of the welcome period, in which 7% cash back is awarded for all purchases; after receiving the third “porridge”, we recommend closing the card to avoid problems or changes in tariffs for which you may not be ready.

Interest on balance

For a product with such a cost of service, not offering some kind of savings account with interest on the balance would be simply a mockery.

On this moment Rosbank charges 5.5% per annum on balances below 250,000 rubles and 6.5% if the balance exceeds 250,000 rubles. I have 0 in my account, so my savings account interest is:

Let's be honest: this is a very modest percentage compared to similar offers from other banks.

SMS notification

SMS notifications in Rosbank are free for the first three months, then - 55 rubles per month!

SMS notification is carried out according to the card account, which is assigned to you directly when submitting an application, and the card itself may arrive, for example, in a month. Therefore, you won’t be able to fully take advantage of 3 free months of SMS notifications.

You can activate or deactivate the service only in person at the Bank’s office upon presentation of your passport.

Additional cards and currencies

In addition to the main Supercard, you can open two additional cards for other family members.

Important!

Turnovers on additional cards are not taken into account when calculating cash back. Those. The usefulness of using additional cards in terms of obtaining benefits is zero.

Rosbank allows you to open accounts in 4 currencies: euros, US dollars, Chinese yuan and, of course, rubles. Conversion between accounts different currencies: well payment system VISA + 1.2%, “pinched off” by the Bank.

Cash withdrawal

Rosbank has an impressive list of partners whose ATMs allow you to withdraw money from your card without charging a commission:

Of course, with such a list of partners, finding an ATM nearby where you can withdraw money without commission from the SuperCard+ does not seem to be a problem.

We are pleased with the good limits for cash withdrawals: as much as 3,000,000 rubles per month, 500,000 per day.

In general, this card has great limits and cash withdrawal network.

If your ultimate goal is not just to withdraw cash, but to transfer money to some other card, then it is not at all necessary to run to ATMs: the Rosbank card allows you to withdraw money from your cards using card2card (or c2c) services without any problems or fees.

We have already written about this service and which Banks and how they offer to carry out such operations.

Card replenishment

If everything is fine with withdrawing money from the card, then replenishing money promptly and without commission is not so easy. In fact, you can quickly top up your card account only using Rosbank ATMs with a cash acceptance function or through the cash desk of a Rosbank branch.

The second free way to replenish a card account is a traditional interbank transfer using card account details from another Bank. However, you will have to wait a long time for the actual replenishment of the card during interbank banking: Rosbank takes a long time to credit the money to the account. As a rule, the period for crediting via interbank banking is from one to three days. It is also important to remember that the interbank market does not operate on weekends.

No more commission-free and quick ways There is no card replenishment.

Additional services

By default, the 3D-Secure service is not connected to cards. This means that if you want to pay for a purchase on the Internet, in 90% of cases you will not be able to do this, since more and more online stores support payment from cards connected to this technology. You can activate the 3D-secure service, like any other service, only at the Bank’s office, which once again “shows” the Bank’s client-oriented approach to the client.

In the century information technologies it looks, at the very least, wild. You can view your card balance in remote services around the clock and transfer money from the card to your savings account and vice versa.

By the way, Rosbank is one of the few Banks with such a “trick”.

Summary

The supercard from Rosbank is a truly generous, interesting product for people who definitely spend more than 20,000 rubles on purchases with the card. It is especially interesting in the first three months of using the card, when Rosbank charges 7% for absolutely all purchases.

In all other respects, “Supercard+” is quite an ordinary plastic card with very standard conditions and a huge commission for monthly service if you connect to the package without a promotional code.

Disadvantages of the card:

High cost of servicing a package without a promotional code;
The need to spend at least 20,000 rubles per month to receive cashback;
Low percentage to the account balance;
Any service, including any standard one, can be connected “with your feet” in the office;
There is not a single fast, convenient and free way to top up your card.

Pros of the card:

7% is the most high percent cashback among all offers on the market debit cards;
The ability to quickly “pull” money from a card to a card of another Bank using c2c technology;
Huge cash withdrawal limit per day and per month;
A wide network of ATMs of partner banks where you can withdraw money from the Supercard without commission.

We will monitor this product and be sure to report any changes!

In Rosbank, the Supercard is a rather attractive product that allows you to return cashback, use the benefits of a premium card and receive additional privileges. Today, a modified product of this type is called Supercard Plus. It has more benefits for the client and a number of design features.

Golden Supercard - features

Supercard Visa Gold Rosbank provides clients with the main features of a premium product:

• Acceptance of funds into the account from legal entities and individuals.
• Withdrawing banknotes through special devices and at the bank office.
• Processing transfers to holders of any international cards.
• Payment for the consumption of services and goods.
• Using the Internet for payments.
• Payment abroad in any currency.

Please note that for issuing cash from a card at Rosbank cash desks a 0.5% fee is charged (minimum 29 rubles)

But the rules for calculating cashback on the Supercard attract the most attention. Reviews confirm the timely return of resources according to the following rules:

• July - September 2017: 7% of costs for school supplies, payment for school services, studios and entertainment organizations.
• October - December 2017: 7% of payments in restaurants, cafes, canteens.
• January – March 2017: 7% of costs in pharmacies, optics, dentistry, medical institutions, spa salons, hairdressers, beauty salons.
• April – June 2017: 7% of expenses on household goods, furniture, repairs.
• July - September 2017: 7% of payments for cinemas, circuses, museums, sporting events.
• October - December 2017: 7% of payments for restaurants, cafes, bars.

Product maintenance cost is 500 rubles per month. You can use the gold Supercard from Rosbank for free while maintaining your balance over 250 thousand rubles.

Benefits of Supercard Plus

The Supercard Plus is an improved product compared to the gold card. Its level already belongs to the Platinum class, but this account You can issue up to 2 additional Classic or Gold status cards. The first will cost 350 rubles, the second – 2000 rubles per year. If you need to apply for additional Platinum level plastic, the service will cost 4,000 rubles.

The card is linked to an account that can be opened in 4 currencies: national, Chinese yuan, euro, dollar. The limits on transactions on the main card are:

• 500 thousand rubles: to receive cash per day;
• 3 million rubles: cash withdrawal per month;
• 3 million rubles: for online transactions.

Cashback on the Visa Platinum Supercard at Rosbank is provided according to the rules described above. Once every three months, for expenses in the specified categories for this period, the client is returned 7%. An additional 1% is returned for expenses in any other categories. In addition, for the first quarter after registration, 7% is charged for all expenses. The following operations are not included in calculations for the Supercard return procedure:

• Payment of utility services;
• Payment of fines, taxes and other contributions to government bodies;
• Contributions to insurance companies;
• Transfers to organizations operating in the field of online casinos, sweepstakes, lottery tickets, pawnshops;
• Transfers to other credit organizations;
• Replenishment of electronic wallets.

Please pay attention to the rules for calculating cashback. It will be credited only if you use the Supercard Plus for an amount of at least 20,000 rubles per month. If the total amount of transactions per month on the card is less than 20,000 rubles, then cashback will not be credited.

Rules for obtaining a Supercard plus

The Rosbank supercard has special conditions for issuing. Today, it is available only to new clients through the recruitment program. Current clients are issued promotional codes, which they have the right to transfer to citizens by any means. Today, forums and groups in in social networks and other publication options. For attracting new clients, the current one receives a number of privileges. After attracting 4 new cardholders, he receives free service for his product.

The Supercard promotional code must be presented to the employee during registration in order for card servicing to become free for the year. Otherwise, its cost is 500 rubles per month. It will also be free only if you maintain a balance of over 250 thousand rubles.

To apply for a card using a promotional code to receive free service, you must make sure that there are no open accounts in Rosbank in your name. Also, if you have a Supercard and you want to transfer the product to a Supercard Plus, you need to close the current account and open a new one. In this situation, all the rules designed for new clients apply. As evidenced by reviews of receiving a Supercard from Rosbank, today there are incompetent employees who cannot carry out the operation correctly and do not know these mandatory conditions for free registration. Therefore, you should ensure that the procedure is carried out correctly to obtain all the necessary benefits.

If you have a promotional code for your Supercard in Rosbank, you should pass it on to friends or users who want to apply for it in order to receive all possible privileges from the “Bring a Friend” promotion, because it is valid until September 30. It may be extended, but it has not yet been announced.

Additional privileges of the Supercard

Another advantage of this card is the ability to accumulate income in a savings account. If the amount is less than 2 million rubles, an income of 6.5% is accrued, and above - 7%. For foreign currency savings, the rates are:

• up to 30 thousand dollars: 0.35%;
• over 30 thousand dollars: 0.4%;
• in euros: 0.1%.

In Rosbank, the Supercard Plus also gives you the right to use the Concierge service.

In this case, the client receives an assistant who is ready to perform certain operations and provide consultations in areas not related to the banking sector:

• book tickets;
• organize travel;
• provide courier delivery, fax transmission, translation of documents;
• collect information about real estate companies, organizations issuing visas, international passports;
• provide roadside assistance by calling a tow truck, taxi, technical assistance;
• call specialists to provide medical services;
• find out the work schedule and select a medical institution;
• search for domestic staff, nanny, tutor, cook;
• organize household assistance related to repairs and laundry services;
• travel assistance, incl. planning excursions, booking tickets for events;
• other.

Conclusion

Due to the recent expiration date of the Supercard in Rosbank, there are few reviews yet. From those that can be found on the Internet, it is obvious that the Rosbank Supercard is very profitable, especially if you use promotional codes. Information about timely receipt of cashback, rules for issuing cards using promotional codes and savings in a savings account are confirmed by clients.