Promsvyazbank: PSBonus bonus program. Spending PSBonus points Promsvyazbank bonus program conditions

Agree, receiving bonuses is always nice. Moreover, when they are awarded for actions that are habitual and even necessary for us. For example, I went to the store for groceries, paid by card - I received points, which can then be exchanged for money or used

Agree, receiving bonuses is always nice. Moreover, when they are awarded for actions that are habitual and even necessary for us. For example, I went to the store for groceries, paid with a card, and received points, which can then be exchanged for money or used for non-cash payments. Anna Smirnova, manager of the Herzen office, told us about the new bonus program of Promsvyazbank OJSC.

“Any of our clients can become a participant in the program. Accumulating bonus points is as easy as shelling pears - pay for all your purchases with a card, make payments in the Internet bank, apply for new cards, deposits, loans, insurance, take part in special promotions,” Anna Smirnova invited us to participate in the new Promsvyazbank program. - “You just need to connect to the program once, and it’s absolutely free, and points will be automatically credited to your bonus account when you use the card or receive Promsvyazbank services.”

Tempting! But the question arises - how many points can you get? “I’ll explain with examples. For receiving a loan you will be awarded 1000 points, for issuing a card - 500. Depending on the type of card, points (from 1 to 1.7) will be added to your bonus account for every 15 rubles spent with your card,” explained our consultant Anna Smirnova. As we found out, there are pleasant additions to these rules: in the first 3 months of joining the program, all the points you receive are doubled, in the month of your birth - the points increase by one and a half times!

Without a doubt, any savings sooner or later should benefit their owner. So, suppose time has passed and you managed to accumulate a certain number of points. How can you use them? “Spend your bonuses on what you need! Through the PSB-Retail Internet bank, you can use points to pay for goods and services of more than 400 bank partners, give bonuses to your loved ones, pay bank commissions, or simply exchange points for money. Every 10 bonuses are equal to 1 ruble,” Anna Smirnova, Promsvyazbank office manager, answered our question. Well, the arithmetic is simple and clear. Participants in the Promsvyazbank bonus program have a real opportunity to receive additional discounts using the bank's products and services. And connecting to the program is also simple, there are 3 options: via Internet banking, by phone at 8 800 333 03 03, and also at any bank office:

Yaroslavl branch, 78-18-01, st. Respublikanskaya, 16,

DO "Central", 78-18-02, st. Rybinskaya, 46,

DO "On Sovetskaya", 78-18-03, st. Sovetskaya, 64,

DO "On Pushkina", 78-18-04, st. Pushkina, 2, bldg. 2,

DO "Severny", 78-18-05, Leningradsky Prospekt, 69a,

DO "Zavolzhsky", 78-18-06, st. Ordzhonikidze, 27,

DO "Herzen", 78-18-07, per. Herzen, 2

DO "On Chkalova", 78-18-08, st. Chkalova, 23.

For additional information, during business hours on weekdays, the hotline numbers in Yaroslavl are at your service: 66-30-21, 66-30-22.

OJSC "Promsvyazbank"

16.07.2013 11:34 Print

Using Promsvyazbank’s new “Honest Rate” savings account, you can place funds for any period and receive income at a rate of up to 7% per annum, while premium clients of the Orange Premium Club program have a rate of up to 7.25% per annum.

PJSC Promsvyazbank offered its clients the opportunity to receive an approved “Double Cashback” credit card by courier delivery to the selected address.

PJSC Promsvyazbank is taking part in the promotion for Mir card holders, which is launched by the Mir payment system, the official partner of the Russian national football team.

Promsvyazbank signed an agreement with the Russian Ministry of Economic Development on participation in the program of preferential lending to small and medium-sized businesses, launched as part of the national project “SMEs and support for individual entrepreneurial initiatives.”

PJSC Promsvyazbank was one of the first to provide its clients with a transfer service by phone number to clients of third-party banks under the Fast Payment System (FPS).

The topic of the meeting was summing up the results of the bank’s work over the past year, discussing the current state of affairs and further prospects for the development of Promsvyazbank as a supporting bank for the Russian defense industry.

Chairman of Promsvyazbank Pyotr Fradkov and Governor of the Yaroslavl region Dmitry Mironov held a working meeting, during which the parties discussed ways to further develop their joint work. Promsvyazbank awarded the best young innovators 11/29/2018 11:29

On November 27-28, the Yaroslavl Investment Forum was held, which brought together more than a thousand participants, among them representatives of large federal, state and business structures, investment experts, regional business leaders, and government officials. PJSC Promsvyazbank acted as a partner of the event.

For two months, holders of the Platinum Credit Card product of Promsvyazbank PJSC can withdraw cash, both their own and credit, without commission at any ATM in the world.

The number of points is calculated as a percentage of the purchase amount. Points are awarded for every full 100 rubles spent.

Points are credited to a single bonus account once a month no later than the eighth working day of the month following the reporting month.

Only the first five transactions performed in one trade and service enterprise during the day are taken into account.

Each card has its own rules for awarding points. Maximum number of points that can be awarded per month:

• “All inclusive” (salary) - 5000 points;
• “Double cashback” (credit) - 2000 points;
• “Your cashback” (debit) - 3000 points;
• “On the move” (debit) - 3000 points;
• Orange Premium Club - 10,000 points.
• cards at other tariffs - 3000 points.

Each card (group of cards) has its own rules for awarding points. The maximum number of points that can be credited to a bonus account per month does not depend on the number of cards the client has.

Special conditions

Points are awarded for paying for goods or services by card in any stores around the world, including online stores. “Double Cashback”, “Your Cashback” and “On the Move” cards allow you to get more points for purchases in special categories.

“All Inclusive” and “Your Cashback” cards also allow you to earn points for your account balance.

The number of points added to the balance on the All Inclusive card is unlimited.

Annotation: Holders of various cards from Promsvyazbank can accumulate bonus points under the PSBonus program by simply making purchases, and then spend the bonuses on the most suitable reward. Official page: http://www.psbank.ru/Personal/Everyday/PSBonus. Special offers from the bank and its partners are available on the official website of the banking privilege program http://www.discount.psbank.ru/.

Description of conditions

The PSBonus program allows customers to receive bonus points, which can be used for discounts on purchases from partners or compensation for bank commissions, or exchanged for cash or donated to charity. Collecting points is easy - you need to spend money from your existing Promsvyazbank card or use a variety of banking products. The higher the client's level of participation and status in the program, the more points you can receive for your actions.

How to earn points?

Depending on the client’s status and the type of his card, a certain number of points are awarded when spending 15 rubles from a plastic card:

• Classic status – 1 point for using your own funds, 1.5 points when spending using your credit limit;
• Status Gold – 1.3 and 1.8 points, respectively;
• Platinum status – 1.5 for debit transactions and 2 points for credit transactions;
• Priority status – 1.7 and 2.2 points, respectively.

Also, the client, regardless of status, receives 0.5 points for every 15 rubles withdrawn through an ATM using a credit card. And during the entire month of birth of the card holder, the number of points received increases by 1.5 times.

Additionally, the bank itself gives bonuses for using its services. Thus, the client can receive the following rewards:

• 1000 points for receiving borrowed funds under the cash lending program;
• 500 points for issuing or reissuing any (credit or debit) card from Promsvyazbank;
• 300 points for placing or extending the term of deposit products;
• 300 points for registration of insurance products;
• 200 points for opening a credit limit on a card;
• 30 points for making the next loan payment on time;
• 50 points each for connecting SMS notifications and for making the first transaction in the Internet banking system;
• 50 points for each money transfer to other financial institutions;
• 10 points for replenishing an electronic wallet using a payment template.

How to connect?

In order to become a participant in the PSBonus program, you must first connect the program via Internet banking, by calling the hotline or when visiting a branch, and also become the owner of one of the following Promsvyazbank cards and fulfill some conditions:

• For PSB-Priority cards, you need to spend 60,000 rubles per month to obtain Priority status;
• For the Super Card, PSB-Platinum and Platinum salary card, you need to spend at least 30,000 rubles per month to obtain Platinum status;
• With the PSB-Gold card, you must spend at least 15,000 rubles per month to obtain Gold status;
• The owner of any Promsvyazbank cards, except for co-branded cards with Transaero, is assigned Classic status.

The client's activity is analyzed monthly and its status may change under the influence of card turnover.

Where can I spend my points?

The reverse rate is 10 points per 1 ruble. They can be used for various purposes:

• Spend bonuses to cover commissions for Promsvyazbank products;
• Exchange points for money is available only after accumulating 50,000 bonus points, which is 5,000 rubles;
• Spend from 700 points to receive discounts of up to 90% in 20,000 online stores that are partners of the bank on purchases worth more than 790 rubles;
• Pay bills from more than 500 bank partners (shops, travel agencies, furniture stores, restaurants, medical centers, optical stores, fitness centers, etc.), through the PSB-Retail online banking system or during a personal visit;
• Give points to relatives and friends;
• Donate them to charity.

The program’s partners include insurance companies Zurich and Alfa-Strakhovanie, cellular communication companies Megafon and Tele2, utility provider Mosenergosbyt and a number of homeowners associations of the capital, satellite television company NTV Plus, trading cosmetics company MaryKay, restaurants Ostrovsky and Shardan, etc. Bonuses are awarded even when repaying loans from other banks through Internet banking.

2. Example of benefits for the participant

What does a PSBonus program member receive? If you are going to exchange bonuses for money and receive 5,000 rubles into your account, you will first need to accumulate at least 50 thousand points. To earn this amount of points:

• the owner of Classic status will have to spend 750,000 rubles of his own funds or 500,000 rubles of borrowed funds;
• Gold status – 577 thousand and 417 thousand rubles, respectively;
• Platinum status – 500,000 and 375,000 rubles;
• Priority status – 441 thousand and 341 thousand rubles.

Remember that you can spend money at your own discretion, but points will still accumulate. Therefore, a yield of 0.6-1.46% on the amount of expenses will be a pleasant gift for cardholders of this issuer. The PSBonus program can turn your expenses into income and bring you extra money out of nothing.

Today, non-cash payment for goods or services is very popular. And this is not surprising, because such a calculation occurs as safely and quickly as possible. Cashless payment is also beneficial for retail outlets by speeding up the process of funds turnover and, of course, for financial organizations that issue and service cards. Therefore, to attract even more customers to the cashless payment system, various loyalty programs are being launched. Among them is the Cashback program for returning spent funds from the Russian Promsvyazbank.

Features of the new Cashback program instead of PSBonus

In May 2018, Promsvyazbank announced the launch of a new promotional program called “Cashback”. As part of this program, clients have the opportunity to accumulate bonuses awarded for each payment for a product or service with a bank card. All clients who have activated bank cards: “All inclusive” can automatically become participants in the bonus program; "Double cashback"; "Your cashback."

The predecessor of the Cashback program was the PSBonus program, which ceased to operate on May 15, 2018. It is noteworthy that points collected under the previous program do not expire and are still available for use in accordance with its terms.

According to the program description, participants of the promotion can count on the following conditions and privileges:

1. A simple principle for calculating bonuses: every ruble spent brings one cashback bonus.
2. The bonus is a percentage of the total amount of the check, which may vary depending on the category and/or place of purchase.
3. Convert any number of bonuses into Russian rubles and credit them to your card balance.
4. Possibility of receiving up to 10% cashback for paying for goods of certain categories for owners of flagship cards.

The flagship cards include new debit, salary and credit cards.

All participants of the previous PSBonus promotional program were automatically transferred to the Cashback program. If there is no notification message about the transfer, clients can activate the program through their personal Internet banking account or in one of the Promsvyazbank offices.

Algorithm for receiving bonuses

Participation in the Cashback program is absolutely free, and the algorithm for receiving bonuses is quite simple:

1. For new clients: activation of a new Promsvyazbank bank card, the terms of service of which include participation in the program. For existing clients: connect the option through the online account.
2. Payment for goods and services by bank card.
3. Crediting bonus interest on the purchase amount that exceeds 100 rubles.
4. Exchange received bonuses at the internal rate: 1 ruble = 1 cash back point.

Clients can withdraw collected bonuses to their cash account balance and use them like regular currency.

For which transactions are bonuses awarded?

Bonuses are accrued when paying for a purchase whose receipt amount is at least one hundred rubles. Transfer of bonus funds to the client’s personal cash back account is made once a month. In case of multiple payments for goods and services in the coverage area of ​​one outlet within one day, bonuses are accrued only for the first five purchases.

It is worth considering that the status of the Promsvyazbank card affects the maximum monthly amount of points available for accrual. The higher the card level, the higher the set limit:

Each group of cards has its own conditions for accruing cashback. If you have several cards of different categories, the maximum number of bonus rubles is not related to the number of active cards.

Bonuses are accrued when paying for goods or services at any retail outlet in the world. If you have special cash back cards, the client can count on receiving additional bonus points (up to 10%) when paying for certain goods or services: paying for tickets in cinemas; paying a bill in a cafe/restaurant; taxi payment.

What can they be spent on?

Cashback points are converted into Russian rubles and withdrawn from your personal bonus account to your main bank account.

Bonus exchange rate: 1 cashback point = 1 Russian ruble.

Money credited to a bank account can be spent at the discretion of clients and is considered full national currency after the exchange procedure.

Recalculation of previously received points

To improve the quality of service, Promsvyazbank regularly works to improve its loyalty program. Therefore, the previous PSBonus bonus program was modernized and presented in the form of a Cashback program.

Previously accumulated points are automatically converted into cashback points at the exchange rate of the PSBonus program. The exception is points whose number exceeds the 45 thousand mark. They are converted into rubles at the promotional rate:

Customers who refuse to become a participant in the new Cashback service program can use their existing bonus account to make online payments or transfer points into Russian rubles.

Thus, the loyalty program from Promsvyazbank is a free option, thanks to which customers can receive cashback for funds spent on paying for goods and services with a bank card. Received bonuses can be converted into rubles, which turns accumulated cash back points into a full-fledged currency.