Review: All Inclusive premium card from Promsvyazbank. “All inclusive” card from Promsvyazbank Promsvyazbank all inclusive debit card

Not so long ago, in May of this year, Promsvyazbank offered an extremely interesting product - an All Inclusive debit card, with which you can receive full cashback (in the form of a refund to the card) of up to 5% for purchases in one of the categories that the user can choose for yourself (1. “Fuel”; 2. “Clothes and shoes”; 3. “Supermarkets and restaurants”; 4. “Air, cruises and train tickets”; 5. “Everything for home and repair”). On December 19, an invitation to open this card was published in the news feed for bank clients in the PSB-Retail system. However, over the past six months there have been significant changes that have seriously reduced the attractiveness of this proposal.

Here's what the news looks like today:

Save your money while traveling

Dear Clients!

Are you going abroad? Save your money while traveling!

Choose the optimal account currency: euros or US dollars, depending on the currency in the country you are going to travel to;

Save on exchange rate differences* when paying by card or withdrawing cash from it;

If you are going to travel to a country whose national currency is different from dollars and euros, we recommend using a dollar card;

Earn on your purchases - get up to 5% cash back on your purchases. Also use free SMS information and save on card maintenance.

We wish you a pleasant trip!

*If the card account currency does not differ from the transaction currency, then you will not incur additional costs during conversion

If the currency of the card account differs from the currency of the transaction, then when paying with the card or withdrawing cash from it, an exchange rate difference arises.

So what was the map? All Inclusive Promsvyazbank at the time of product launch?

1. Premium card (MasterCard World or Visa Platinum) with a chip and support for PayPass technology.

2. Free service after the first year (first year - 1,500 rubles / 10 $ / 10 €) subject to average monthly turnover above 30,000 rubles / 1,000 USD / 1,000 EUR or maintaining a minimum card balance of 50,000 RUR / 1,500 $ / 1,500 €. It is also possible to pay a monthly fee for card maintenance in the amount of 150 rubles / 5 $ / 5 €, in this case the fee for the first month is not charged, and subsequently the volume of expenditure transactions on the All inclusive card is over 30,000 rubles. per month guarantees the client commission-free service.

3. Interest accrual on the balance of own funds in the amount of up to 10% per annum, depending on the daily balance.

4. Cashback 5% for purchases in the selected category of goods/services in the amount of no more than 1,500 rubles. per month.

5. Withdraw cash without commission from ATMs of any banks around the world up to 30 thousand rubles per month.

6. Free SMS information about transactions performed on the main card.

Based on all the conditions, the map turned out to be really “tasty”, however, alas, the fairy tale did not last long. Already on November 1, new tariffs came into force, according to which the accrual of interest on the balance was completely abolished and a commission was introduced for cash withdrawals from ATMs of third-party banks in the amount of 1% (min 299 rubles / 10 $ / 10 €) regardless of the transaction amount. In addition, the maximum amount of possible cashback has been reduced from 1,500 rubles. up to 1000 rubles (i.e., after making purchases of only 20,000 rubles per month from the selected category, the “cashback” card starts working idle).

Thus, the Promsvyazbank All Inclusive debit card has turned from a bright and attractive product into an ordinary average product, of which there are already quite a few in the retail banking services market. However, those who managed to issue a card before November 1, 2014 can rest assured for now: the old conditions remain in force for them.

One comment to “All Inclusive card from Promsvyazbank - turned on/off?”

In the VK PSB support group they write that on June 1 they will cut cashback to 3% and to 1000 rubles/month even for old cards. At the same time, on the main card they introduce a fee for SMS, humane, 29 rubles / month.

So, in their original form, the cards existed for exactly a year. But even 3% for groceries is not bad.

Promsvyazbank debit cards allow you to make transfers, withdraw cash, pay for purchases, incl. online, and also receive income and discounts when paying. You can apply for cards either at a bank branch or online. Let's consider the types of bank products and their conditions.

Promsvyazbank instant debit card

The simplest debit card at Promsvyazbank, which can be issued in 10 minutes at the branch, is called “Good mood”. The bright colorful design of the front side of the plastic corresponds to the name.

Conditions

Additional features worth mentioning:

• 4% is accrued on the balance provided that the balance is maintained every day over 5 thousand rubles. In the first month, income is accrued in any case, without the need to comply with the condition;
• up to 40% discount from bank partners;
• connection to the Internet bank to perform operations and control accounts;
• service for automatic transfer of an agreed amount to a savings account.

Rates

Considering what tariffs and limits Promsvyazbank debit cards have, one cannot help but pay attention to quite loyal parameters:

• maintenance per year: 200 rubles;
• withdrawal limits, per day: 100 thousand rubles;
• monthly limits: 300 thousand rubles;
• commission for withdrawals through machines of other banks: 1%;
• subject to exceeding the daily limit: 2%;
• transfers in favor of companies: 0.3%;
• transfer to a private person: 1%;
• receiving transfers up to 150 thousand rubles: no commission;
• receiving over 150 thousand rubles: 1%.

Personalized debit card of Promsvyazbank

At Promsvyazbank you can get a personalized card with increased limits. Tariffs and costs vary depending on the status: gold or platinum, All Inclusive card, but all of them have the possibility of free annual service if certain conditions are met. Limits on withdrawals also differ depending on the type of card - gold or Platinum, as well as on the selected service package.

Gold Debit Card

Promsvyazbank Gold can be ordered as part of one of the packages: PSB and PSB Plus. In the first case, the client receives:

• 2 Gold cards with free service;
• it is permissible to make transfers of up to 10 thousand rubles per month without commission;
• package maintenance: 100 rubles per month;

You can use the package and the gold debit card of Promsvyazbank for free, subject to the conditions of maintaining a balance of over 100 thousand rubles or paying with a gold card in an amount over 30 thousand rubles. This is also possible if two conditions are simultaneously maintained: payment over 5 thousand and the balance of 30 thousand rubles.

Tariff PSB Plus

When you sign up for the PSB Plus service package, the Promsvyazbank gold debit card has slightly different tariffs and conditions:

• 4 free gold status cards;
• make transfers in the amount of 15 thousand rubles per month without commission through the Internet bank;
• When renting a safe, a 20% discount is offered;
• 0.5% is added to the savings account;
• cost: 300 rubles.

The tariffs of this package have many advantages and are most attractive if the client is interested in a gold debit card. Free service is possible when spending more than 30 thousand rubles per month on a gold card or maintaining a balance of over 500 thousand rubles. A gold card cannot be paid if two conditions are simultaneously met: payment of 15 thousand and the balance over 100 thousand rubles.

World PayPass Card

As part of the PSB Premium package, World PayPass is issued - a Promsvyazbank debit card, the conditions and additional advantages of which are as follows:

• You can issue 5 cards and get service for free;
• for amounts up to 20 thousand rubles, no commission is charged for transfers to other banks;
• when opening a deposit, 0.5% is added to the base rate;
• insurance when traveling abroad for 50 thousand euros;
• receiving cash abroad;
• emergency cash withdrawal service abroad;
• currency exchange at a preferential rate;
• 25% discount on safe rental;
• separate line for premium service;
• package cost: 700 rubles per month.

Free service is offered when paying with a card over 115 thousand rubles, maintaining a balance over 1 million rubles, or with a simultaneous balance of 500 thousand and expenses in excess of 20 thousand rubles. Daily and monthly withdrawal limits on the Platinum card as part of the Your PSB service package are increased.

Debit card Platinum

The Promsvyazbank All inclusive debit card is a privileged product and allows you to fully use it around the world. In addition to this, bank clients can obtain two premium cards: MasterCard World or Visa Platinum.

The All inclusive card is equipped with the PayPass function, which means you can pay for purchases or perform actions at an ATM without letting go of your Platinum card. Mobile and Internet banking are provided free of charge.

Separately, it is worth highlighting the tariffs of the All Inclusive card, one of the main advantages of which is the opportunity to receive cashback in the amount of 5% for the category chosen by the client: gas stations, shops, restaurants, etc. Card maintenance is 1,500 rubles per year. After the first period, free service is offered if the Promsvyazbank Platinum debit card account has constantly maintained a balance of over 50 thousand rubles. The monthly limits for cash withdrawals within the All Inclusive service are no more than one million rubles.

Features of the Promsvyazbank card design

An instant debit card can be issued at a bank branch and received at the time of application. If a personalized chip card is issued, for example All Inclusive, gold or Platinum, then this process will take some time. If you need a Promsvyazbank debit card urgently, you must inform a bank employee about this, and it will be ready the next business day; this service is available only at bank branches in Moscow. In addition to this option, Promsvyazbank offers its clients other services when issuing a debit card of any status, be it Gold or Platinum.

Individual design

Promsvyazbank also allows you to issue a card with a unique design, which can be selected on the website in the gallery. The cost of the service is 333 rubles. The balance on this card is charged 4.5%. There are also discounts in partner stores up to 40%. All Inclusive plastic can also be customized with your own design.

Registration procedure

To submit an application for a debit card to Promsvyazbank, you need to select the desired product on the website and click on the appropriate button. Next, you should fill out the form, which contains only general information:

• Full Name;
• Date of Birth;
• Contact phone numbers;
• E-mail address;
• city ​​and region of residence.

After sending the data, you will need to wait for a call from a bank specialist. He will clarify the necessary details, help you decide on the required type of card, draw up a complete application over the phone and specify the date for receiving it. In some cases, it is permissible to order a card to your home.

A similar procedure can be followed at the department. You will need to have your passport with you, as its data is required to be included in the application form.

conclusions

As you can see, Promsvyazbank cards have different capabilities and conditions. Almost every Promsvyazbank debit card does not have a service cost provided that certain conditions are met. Many products allow you to use discounts from bank partners and favorable rates when paying abroad under the Shopping Without Borders promotion (for PSB, PSB Plus and PSB Premium packages).

In addition, the Promsvyazbank debit card, regardless of what kind of card it is, instant, gold, All Inclusive card or Platinum status, will be connected to the PSBonus bonus program, within which accumulated points can be transferred into rubles, or paid for with bonuses for purchases in partner stores.

In May 2014, PromSvyazBank began issuing “All Inclusive” debit cards. The main advantage of this card is 5% cashback on one of the selected store categories:

1. Category " Fuel", this category includes petroleum products, gas and other related goods/services purchased at gas stations or specialized stores (MCC codes 5172, 5541, 5542, 5983).
2. Category " Clothes and shoes", this category includes stores of men's, women's, and children's clothing and shoes, stores of accessories, watches, etc. (MCC codes 5094, 5137, 5139, 5331, 5611, 5621, 5631, 5651, 5661, 5681, 5691, 5697, 5698, 5699, 5931, 5944, 5949, 5950, 7296, 41).

5094 – Precious stones and metals, watches and jewelry
5137 — Men's, women's and children's workwear
5139 — Safety shoes
5331 – Department stores
5611 - Men's clothing and accessories, including boys' clothing
5621 – Ready-made women's clothing
5631 – Accessories for women
5641 - Children's clothing, including clothing for little ones
5651 – Clothes for the whole family
5661 – Shoe stores
5681 – Manufacture and sale of fur products
5691 – Men's and women's clothing stores
5697 – Alteration, repair and tailoring services
5698 — Wigs and artificial hairpieces
5699 – Various clothing and accessories stores
5931 – Second hand stores, used goods stores, consignment shops
5944 - Shops selling watches, jewelry and silverware.
5949 – Fabric, handicraft thread, sewing shops
5950 - Crystal and glassware stores.
7296 – Renting out suits, uniforms, casual clothing

3. Category « Supermarkets and restaurants"(from 06/01/2015 cashback for this category is 3%). This category includes grocery stores, supermarkets, cafes, bars, fast food establishments and restaurants, etc. (MCC codes 5411 , 5422, 5441, 5451, 5462, 5499, 5921, 5811, 5812, 5813, 5814). This is the most popular category

5411 – Grocery stores, supermarkets
5422 – Sale of fresh and frozen meat
5441 – Confectionery
5451 – Retail sale of dairy products
5462 – Bakery
5499 - Various food stores - markets, shops with specialties. Assortment, sale of semi-finished products, specialty dishes, sale using vending machines
5811 - Caterers
5812 – Public catering places, restaurants
5813 – Bars, cocktail bars, discos, nightclubs and taverns – places of sale of alcoholic beverages
5814 – Snack bars
5921 - Stores selling take-away liquor (beer, wine and liquor)

4. " Air, cruises and train tickets", this category includes airlines, passenger railway companies, as well as cruise companies (MCC codes 3000 - 3299, 4112, 4411, 4511).

5. Category " Everything for home and renovation", this category includes furniture and construction stores, stores of household appliances, interior items, etc. (MCC codes 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 2791, 2842, 5021, 5039, 5046, 5051, 5065, 5072, 5074, 5085, 5198, 0, 5211, 5231, 5251, 5261 , 5712, 5713, 5714, 5718, 5719, 5722, 7622, ​​7623, 7629, 7631, 7641, 7692, 7699).

You can change the category of purchases at any time in the PSB-Retail Internet bank or at the bank office, however, the changed category will take effect after three calendar months, including the month in which the category change was made. It is clear that many will choose the product category " Supermarkets and restaurants" The accrued cashback amount for the corresponding calendar month is paid by the Bank no later than the fifth day of the following month. The maximum cash back payment amount within one month is 1000 rubles.

PSB issues All Inclusive cards of two types: Visa Platinum or MasterCard World. You can choose monthly or annual service fees. Monthly - 150r/month, yearly - 1500r/year. In addition to the main card, you can issue up to 2 additional cards for third parties free of charge, but SMS information for them is paid - 599 rubles / year and there is a separate service fee.

Interest can be accrued on the card balance - 5% or 10% per annum, but for this you need to fulfill a condition on the amount of turnover, so All Inclusive as a piggy bank card has become ineffective, it is only for receiving cashback.

An important nuance: cashback is calculated per month based on the date of debit.

Update dated October 27, 2014. From November 1, tariffs for cards have been updated, incl. using the PSB All Inclusive card.

“The maximum amount of Cash back payment within one month for cards issued from 01.11.2014 is 1000 rub. (for cards issued before November 1, 2014 - 1,500 rubles), equivalent in foreign currency (at the Central Bank exchange rate on the date of Cash back payment).”

How to use accumulated bonuses

The bonus program is closed, bonuses are no longer awarded for purchases using the card.

The use of bonuses to pay for goods and services in the PSB-Retail System is available subject to the accumulation of at least 7,000 points in the bonus account. In this case, the minimum payment amount should be from 778 rubles, since it is possible to pay up to 90% of the payment amount with bonuses.
In order to make a payment using points, you must select the order you are interested in, then select the source of funds indicate the map, fill in all payment parameters, including the amount from 778 rubles and click “next”. After this, the system will prompt you to pay with points. There are 3 mandatory conditions:

— points must be accumulated at least 7000
— you can only pay for what you can select from the bank’s list (the list is available in PSB-Retail)
- payment must be made from a card account, while it should have the whole amount payment

How to change the cashback category?

Payments and transfers → Banking products → Payment cards → 2434 Installing the Cash Back category.

Promsvyazbank All inclusive debit card is a premium card with cashback for purchases. The card allows you not only to store and withdraw cash, but also to save it. You can use your card to pay for purchases at retail outlets, for goods and services on the Internet, and make money transfers using it.

Maintenance cost

The cardholder can choose how the account maintenance fee will be debited - monthly or once a year. Annual service is 1,500 rubles, monthly - 150 rubles, no commission is charged for the first month of service. Card servicing is free if the account balance for the reporting period is more than . The fee for SMS notifications about card transactions is 29 rubles per month.

Withdrawing cash from a card

At ATMs of Promsvyazbank and partner banks, withdrawals from the card are not subject to commission, provided that no more than 300,000 rubles were withdrawn per day, and no more than 1 million rubles per month. Cash withdrawal at Promsvyazbank and third-party banks, and at other ATMs is subject to a commission of 1% of the amount (minimum 299 rubles). Intrabank transfers from the account are not subject to commission.

Where to apply for a card

You can apply for a PSB All inclusive premium card on the bank’s official website. You will find a link to the application page at the top of the page. Fill out the form and send the application to the bank. When filling out the form, do not forget to confirm your consent to the processing of personal data. The application will be reviewed as quickly as possible, and the bank manager will contact you if necessary.

Advantages

The All inclusive debit card has a number of advantages that make the card a convenient and multifunctional financial instrument:

• free cash withdrawals from more than 10,000 ATMs of Promsvyazbank and partner banks;
• cashback for purchases;
• free service “Smart Money”, which helps you plan your budget and control expenses;
• free access to mobile and online banking;
• the card supports PayPass contactless payment technology;
• the card is equipped with a special chip that ensures maximum security of payments;
• You can get 2 additional premium cards for free - for yourself and a loved one.

Cashback

The bank will return part of the money spent on purchases to your account. Cashback is up to 5% in the category selected by the user. Once every 3 months, the selected category can be changed.

• products;
• fuel;
• public catering;
• household products.

Service tariffs

Cons of the package