Beeline card which bank. Why do you need a MasterCard payment card from Beeline

5% cashback at gas stations was not enough for me, so I decided to get a Beeline debit card for free MasterCard World. I was attracted by the offer to receive 5% bonuses not only at gas stations, but also in pharmacies and cafes.

After receiving the card, it turned out that now you can already choose cashback categories for 3 months. But among the categories, there were still gas stations, pharmacies, restaurants and fast foods. Moreover, the last two categories are not at all combined into one. By the way, the Rostov cafes "Zolotoy Kolos" turned out to be supermarkets, judging by the extract. Those who have dealt with cashback for a long time probably know that each cashback is categorized from a POS transaction, and not at all from what the institution or organization is in fact.

When contacting the Beeline office, an unnamed debit card is issued immediately according to the passport. If you need a chip card, contactless payment and with your name, then such a card can be ordered later.

Interest on card balance Beeline MasterCard World are not credited. To get them, you need to apply with a passport and SNILS again to the Beeline office. The account will have to be replenished by 500 rubles, and this amount cannot be withdrawn. Interest will be charged by a certain bank, so they are not called in advance. Apparently, they give only 4% for the balance, and only with turnovers of 150 rubles per thousand can you get 8%.

Beeline is certainly not a full-fledged bank. The card is issued by RNKO "Payment Center" (LLC), which also offers bank cards Know-How from Beeline, Corn from Euroset, Kari Club (Kari Club), myGift.

Employees of Beeline salons are not very familiar with the Beeline Mastercard card. When I asked if there is Internet banking, they answered in the negative, adding that you can use the application. In fact, of course, there is an Internet bank, although, of course, one should not expect from it, for example, a huge number of templates for paying utility bills. Even the bank is doing better in this regard.

Upon receipt of the card, Beeline turns on auto payment, which simply cannot be turned off from your personal account mobile phone Beeline. But you can turn it off from online banking.

You can enter the Beeline mobile application with a password or a short PIN code. The application itself has a setting that allows you to enable contactless payments using mobile application and NFC.

Of the charms of the Beeline card, one can note free service for Beeline customers, including free SMS. You can withdraw cash at any ATM for free, but you need to pay attention to the limits and conditions (now you can withdraw from 5,000 rubles for free at ATMs with the Mastercard logo, but not more than 50 thousand rubles a month). Cashback is credited with bonuses that can be spent on Beeline services. Payment for purchases and cash withdrawals in foreign currency abroad is made at the exchange rate of the Central Bank of the Russian Federation on the day of the transaction.

Update (June 1, 2017)
Unfortunately, the categories of increased cashback for the summer of 2017 have changed a lot. Now you can choose from the following categories:

• Restaurants


• Cosmetics and perfumery


• Sporting goods


• Pets


• duty free


• Taxi


• Public transport


• Beauty Salons


• Entertainment

In addition, these categories cannot be selected in the Beeline mobile application (you can only select on the bank.beeline.ru website), which is very inconvenient in the absence of a stationary Internet. Not to mention the lack of warning about the need to select categories for the next 3 months.

In addition, it turned out to be inconvenient replenishment in the offices of Beeline. For some unknown reason, even the terminals at Beeline offices do not allow replenishing the card, so you have to contact the employees and present your Beeline Mastercard bank card along with a Russian citizen's passport.

Replenishment with a card was also not very pleasant. Without a commission, you can replenish your account only for 3+ thousand rubles. Replenishment from Maestro cards not possible at all, they only accept Visa/Mastercard. For replenishing an account from a card in the amount of less than 3,000 rubles, Tinkoff Bank took a commission from me in the amount of 90 rubles (but this is the greedy Tinkoff Bank's fault, and not Beeline at all).

With all these shortcomings, I could put up with the presence of gas stations among the category of increased cashback. And so the Beeline map became not very interesting to me.

Update (September 5, 2017)
The Beeline MasterCard card has been used quite regularly for the last two years. Contributed to this, of course, and the ability to add this card to Google Pay, after which he paid her with the help of an Android smartphone. In fact, you can also use the Beeline Card application to pay by phone, but Google Pay is convenient for me because it allows you to right moment choose a card for payment: , Beelne Mastercard or another.

I replenished the account of the Beeline Mastercard card mainly with the help of other cards. Most of all I used it to pay for goods and services from the categories of increased cashback. Basically, these were pharmacies, cafes, fast food restaurants and entertainment (cinemas, bowling, museums, ...) In general, I came across pharmacies very often, and with children and elderly parents, they spend a lot of money on medicines. But of course, it is usually profitable for banks to give categories that you do not use, so it is not surprising that in the fall of 2018 there were no pharmacies, supermarkets and gas stations among the categories of increased cashback.

On the Beeline card, Mastercard has not yet frozen 500 rubles, so I don’t receive interest on the account balance. This is of course a big minus compared to the same Tinkoff bank. But for transfers to another bank, you will have to pay 1% (transfers are free in Tinkoff Bank). Transfers to cards of other banks cost 1.5%. Transfers between Beeline cards are free, although I have never used them.

A huge plus of the Beeline card is a very favorable exchange rate. Here, in general, a special emphasis is placed on the conversion of rubles, dollars and euros.

Despite the shortcomings, I will continue to use the Beeline MasterCard card, since it is completely free. Moreover, I am going to spend on it only for the sake of getting 5% cashback. The fact that cashback can be spent on replenishing a Beeline mobile phone account does not bother me at all. On the contrary, the Vse tariff proved to be excellent, tk. for 1000 rubles I received home Internet, home cable TV with 100+ channels (which I hardly use), as well as 1800 minutes of calls and 30 GB mobile Internet for 5 phone numbers. Considering the fact that incoming calls in roaming in Russia were free, and outgoing calls even when roaming are included in the limit, I am very pleased with Beeline services.

As for the Beeline Mastercard card, after receiving new card, you can download the Card Beeline mobile application (

January 2019

How many people know that in Beeline salons you can issue not only SIM cards and buy a phone, but also issue a Beeline MasterCard payment card. For several years now, Beeline has been implementing this project together with RNKO "Payment Center", which successfully cooperates with Euroset, successfully issues "Kukuruz" cards. Therefore, the functionality of the Beeline card and the Corn card is very similar in many respects.

In this review, you will learn about the conditions and tariffs, all the nuances and features of the card, its advantages and disadvantages. The article also presents analogues and competitors of the Beeline card, in connection with which we will try to answer the question: “Is it worth getting a Beeline card?”.

Tariffs and conditions on the card

• Card type— MasterCard Standard and World (only for Beeline customers). There is support for 3-D Secure for secure online shopping.
• Issue, reissue and annual maintenance- Is free.
• SMS informing- Is free.
• Interest on the balance (PNO) on the card account— from 3 to 7% per annum monthly.
• Withdrawal own funds. With the transaction amount over 5,000 thousand rubles - free of charge, if less then 149 rubles per operation. Without a commission, you can withdraw no more than 50 thousand rubles per month, and if you exceed this limit, then the commission will be 2% of the withdrawal amount.
• Bonus accrual. You get 1% of all purchases in any case, 5% for payment in "favorite" categories and up to 15% when paying with card partners.
• Transfers between Beeline cards- Is free.
• Interbank transfers. Up to 100 thousand per month can be transferred without commission, over this amount - 0.5% of the transfer amount (min. 20, max. 1000 rubles)

Bonus program (cashback) on the Beeline card

Let's talk in more detail about the most interesting thing - the Beeline bonus program. As mentioned above, for each purchase you receive bonus points, which in the future can be easily cashed out and turned into discounts for yourself.

How to accumulate bonuses on a Beeline payment card

1. One percent always and everywhere You receive on the condition that you pay with a Beeline MasterCard card (including on the Internet).
2. Increased bonuses in "favorite" categories. Every cardholder in personal account cards can independently choose no more than 3 categories, where he wants to receive as much as 5% of the "cashback". The following options are now available for selection: Restaurants; Cosmetics and perfumery; Sporting goods; Pets; duty free; Taxi; City transport and parking; Beauty Salons; Entertainment and taxis. As you can see, the list is quite extensive and interesting. Everyone will be able to choose the most frequently used categories for themselves and quickly earn bonuses for their purchases.
3. Special bonuses from partners. In addition to standard and increased bonuses, you can also get special bonus points from card partners. Among the partners are: Apteka.RU, shops Perekrestok, Litres and many others.
4. Especially for the readers of our blog, we give a Beeline promotional code for 300 points. To activate it, you need to go to the mobile application of the Beeline card, find the "Promo codes" section in the menu on the left and indicate the promo code there: FR1POMQXV. After that, you need to make any purchase using the card in the store and automatically on bonus balance 300 points will be credited.

By the way, if you plan to use a Beeline card to pay for purchases on the Internet, then I recommend using it in conjunction with cashback services in order to get the maximum benefit from online purchases.

Recommendeduse the service LetyShops , in which you can now get a premium account for a promotion.

How to spend Beeline card bonus points:

So, if you have accumulated bonuses for soy purchases, then it's time to start spending them. You can do this in several ways:

1. Cellular. In the personal account of the Beeline card, the accumulated bonuses can be withdrawn to your mobile communications Beeline.
2. Salons Beeline. If you often make purchases in Beeline communication stores, then you can turn bonus points into a discount when buying a phone or accessories. When paying for services, bonuses cannot be used.
3. Purchases from partners. You can also pay with bonus points at card partners in the Litres online literature store, the KARI shoe chain and the BILETIX air and railway ticket purchase service.

Features of the Beeline bonus program

1. You can cash out bonus points for mobile communications in the amount of no more than 90% of the average monthly expenses for cellular communications over the past six months. Let's say you spend 300 rubles monthly on communication, then you can cash out no more than 270 bonuses per month.
2. Also, when paying with partners and Beeline salons, the same restriction applies. You can pay with bonuses only 90% of the check amount.
3. When paying for housing and communal services, cellular communications, the Internet, insurance services from a card, or when making transfers from card to card, bonus points are not awarded.

Beeline credit card

Any Beeline payment card can become a Beeline credit card with a grace period of up to 55 days. In order to connect credit limit for a payment card, you must leave an application on the card website or contact one of the Beeline offices. Previously, a credit limit could be obtained from two partner banks - Tinkoff and Alfa-Bank. And now only Tinkoff Bank remains available.

Credit limit from Tinkoff Bank

• Age from 18 to 70 years old
• Credit limit amount up to 300,000 rubles.
• Fee for issuing a limit- 500 rubles.
• Grace period- up to 55 days.
• Interest rate— individually from 19.9%.
• Fee for withdrawal of credit funds- 4.9% + 500 rubles.

When applying for a credit limit on a Beeline card from Tinkoff Bank keep in mind that having issued it, you will not be able to receive a credit in the future Tinkoff card, since the bank has a rule - one loan product in one hand.

Therefore, here you need to think carefully: “Do you need a Beeline credit card?” Or is it better to issue a regular Tinkoff credit card. Most people prefer to use the second option - by which you can get both a larger limit and bonus program more interesting.

Interest on the balance - Beeline piggy bank card

The card, which many call the Beeline bank card, can be used not only as a credit card or card only for payments, but also as a tool for storing money.

The fact is that on the card you can activate the service "Interest on the balance" which will allow you to receive interest for storing your own funds. This service paid and costs 99 rubles a month.

There are conditions, compliance with at least one of which will allow you to use the PNO service completely free of charge:

• In the first 2 months after issuing the card.
• The card always has a minimum balance of at least 3,000 rubles;
• Within a month you replenished the card for a similar one. amount;
• You spend on the card from 3000 rubles for a whole month.

By the way, interest rate, which is charged on the balance depends on the amount you keep on the card:

• From 15 thousand rubles to 100 thousand - 3% per annum.
• From 100 thousand to 300 thousand - 4% per year.
• From 300 thousand to 1 million - 6.5% per annum.
• Over 1 million rubles - 7% per annum.

If you store an amount of less than 15,000 rubles on the card, then practically no interest is charged (0.01% per year).

Any holder of a payment card can order in their personal account name card Beeline with contactless payment technology Master Card Pay Pass and the presence of a chip on the card. The issue and maintenance of the card is also free. The only thing you have to pay for is the delivery of the card by the Russian Post, which is 200 rubles.

How to top up a payment card

You can top up a Beeline payment card in several ways:

• In numerous Beeline offices- Is free.
• Interbank transfer from another bank— the commission depends on the sending bank.
• By card number at ATMs, terminals and card-to-card transfer services - the commission depends on the service through which you send. On average, from 0.5%.
• From another bank card in payment account Beeline. Perhaps this is the easiest and most convenient way to replenish a payment card, since in your personal account it is enough to link your salary or debit card once and then, if necessary, “pull” money from there to the Beeline card. In this case, there is no commission from Beeline, but from where you are debiting from the card, you need to look in the tariffs or better try to find out. The main thing is not to replenish from a credit card of another bank. Almost 100% will be a commission.
• At ATMs of MKB Bank. Since June 2017, it has become possible to replenish the card account at ATMs of the Moscow Credit Bank no commission.

How to get a PIN code

IN modern world more and more big financial institutions, as well as large companies, providing services in various fields, resort to organizing their own payment systems and trying to become participants in banking programs as quickly as possible by issuing credit and debit cards under their own names on the market. Such cards carry a lot of advantages and features, both for the old client of the company, and for new ones.

So the mobile operator company "Beeline" decided to acquire a similar solution - Payment card Beeline. About it and will be discussed today in our article.

The MasterCard "Beeline" payment card can be used by the owner to pay for various goods and services all over the world, including transactions carried out on the Internet, that is, wherever bank cards are accepted for payment. MasterCard cards. At the same time, payment for goods outside Russian Federation takes place at the rate of the Bank of Russia, without commission for conversion.

How to get and issue a payment card "Beeline"

In order to become a happy owner of the above card, you need to do one of the following:

• replenish the received card in the amount of 100 rubles at a time;
• send remittance to someone;
• pay a loan of any bank in the amount of at least 15,000 rubles.

Beeline payment card is issued only to adults.

Additionally, it is possible to issue a Beeline MasterCard World® VIP card, while you need to be a premium subscriber of the Beeline operator or simply replenish the card immediately for 3,000 rubles. Similar solutions include the long-running MTS Money.

How to replenish a payment card "Beeline"

You can top up the card without commission different ways:

• in cash at the offices of the telecom operator, presenting your passport and the card itself. At one time, replenishment in the amount of not more than 100,000 rubles is available;
• in the payment cabinet by transfer from your main or any other bank card MasterCard or Visa. Additionally, you can link your card to the payment "Beeline" and then quickly perform this operation;
• in the mobile application. As in the previous case, replenishment is carried out by money transfer from another card.

How and where to withdraw cash from a Beeline payment card

As in any similar organization, cash withdrawals take place at ATMs, in our case, any with the MasterCard logo. At the same time, it is not yet possible to withdraw cash from the Beeline card without a commission. Withdrawal at any ATM will cost from 1%, but not less than 100 rubles.

How to find out the balance on the Beeline payment card

In order to clarify information about the current state of the account and the history of transactions on the card, you can use one of the following methods:

• in the payment account;
• in the installed application on your mobile device;
• in the contact center by a pre-set code word;
• using a special mobile service "Mobile payments";
• for 15 rubles, this can be done at any ATM that works with MasterCard.

How to issue a credit limit on a Beeline payment card

In order to get a loan on a Beeline card, you need to contact the operator's office with your passport and a second document of your choice: a foreign passport of a citizen of the Russian Federation, a driver's license, a certificate of registration in tax authority individual at the place of residence in the Russian Federation (TIN) or insurance certificate State pension fund.

Credit card Beeline allows you to use the limit for up to 60 days without interest and commissions, but you will need to make a minimum mandatory payment every month.

How to make a payment on a Beeline loan

To do this, you can choose one of the following options:

• contact the sales office of the company;
• pay with your other personal card MasterCard or Visa;
• send a money transfer to your Beeline card.

Read more detailed information on the card on the official website of the operator. About extra bonuses and more useful information we will tell about the map in other upcoming articles.

Anna Frantsuzova

Reading time: 10 minutes

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In April of this year, the Beeline payment card has a kind of anniversary, it turns 3 years old. The purpose of releasing such a product is to increase customer loyalty to Beeline. What types of Beeline payment cards are offered. All about tariffs and conditions of receipt. What are the possibilities of using the Beeline card. Where and how you can pay with Beeline card bonuses, how to get a loan on a card, read on the website

The main advantages of the Beeline payment card

The advantages of the Beeline payment card include:

1. Serviced free of charge There are no annual fees for this type of service.
2. Issued free of charge – issuance of the card is not accompanied by additional expenses.
3. Issued instantly – there is no need to wait days or weeks, you can immediately use the capabilities of this product.
4. Convenient ways to replenish the card.
5. SMS information is provided free of charge . To know the current state of the account, the client also does not need to pay.
6. The client has the right to access limited credit funds.
7. Making payments , tracking changes on the account can be carried out through a convenient personal account.

What is the difference between a standard MasterCard Standard payment card and a premium MasterCard World: conditions and tariffs

Beeline users have two types of MasterCard payment cards available, which have some differences:

List of basic conditions and tariffs of the Beeline card:

• Release, reissue, annual service- 0 rubles.
• The amount of interest accrued on the balance (PNO) is 8%.
• The amount of the minimum balance is 500 rubles. The PNO option is activated when you visit the Beeline office.
• Commission for withdrawing own cash in the range of 1-4%.
• If the PNO option is enabled, the withdrawal fee is not charged on one condition: the client cashes out no more than 50,000 rubles per month (personal funds are implied).
• Bonus accruals - from 1% (depending on the type of card) to 15% or more if Beeline holds special promotions.
• The commission for making a transfer from one Beeline card to a similar plastic is 0%.
• When making an interbank transfer using a payment account or a mobile application, Beeline does not charge a fee if the PNO option is enabled.

How can I get and activate a Beeline payment card?

A visit to the nearest Beeline office guarantees instant receipt of the card. All you have to do is show your passport.

To activate the card, you need a PIN code, how to find it:

1. Call within two weeks to the number 8 00 55 04 01 personal number specified in the card application.
2. The PIN code is set automatically.

If the owner has not activated the card within two weeks, a call to help desk. Her number is 8 800 700 061 19. By phone hotline can also be used when changing the pin code.

Methods for replenishing a Beeline payment card

Card replenishment is carried out in various ways:

• In one of the Beeline offices - The top-up service is free.
• Using an interbank transfer . Here, the amount of the commission fee depends on the conditions of the sending organization.
• With the help of ATMs, terminals and services that make transfers from one card to another, when specifying the card number. Service fee at the level of 0.5%.
• Pay with another card banking structure using the Beeline personal account. In this version, everything is quite simple and reliable. Linking payroll or debit card to the Beeline card, and the “pulling” of funds is performed (if necessary). Beeline in such cases does not take a commission. How banks operate depends on their rates. The main thing is not to use a credit type card to replenish.

How to use a Beeline payment card?

The capabilities of the Beeline payment card are equated to the potential of conventional cards received from banks.

Beeline MasterCard will come in handy:

1. To pay for mobile communications and Internet services from Beeline.
2. When repaying bank credit loans. In this case, there is a minimum commission.
3. For payment at any point of sale (Russian, foreign, in online stores) using the MasterCard payment system.
4. To withdraw cash from MasterCard ATMs and bank branches(detailed information on the official Beeline website).

How to get bonuses on a Beeline payment card: extra bonuses and special promotions

A bonus is a special currency that is returned to the card after making any payment. The bonus reward cannot be transferred to another card. The absence of transactions on the card for six months is the reason for the zeroing of bonus savings.

Bonus billing - what extra bonuses are charged for:

The list of partners, restaurants, pharmacies, gas stations is posted on the official website of the Company.

Beeline regularly holds special promotions that allow you to receive additional rewards. For example, now until mid-summer there is a promotion called "Autopayment", according to which each auto-replenishment of the phone allows you to return 10% of the payment amount.

One bonus corresponds to one ruble. There is a limit on bonus accumulation. The monthly amount cannot exceed 3,000 rubles.

How and where can I spend bonuses from a Beeline payment card?

Where do they accept bonuses from MasterCard from Beeline?

The cardholder has several options:

• Pay for the Internet or Beeline TV by putting bonuses on the balance. A matter of minutes if a personal account is used.
• Pay for mobile communication Beeline.

Attention: the balance of the phone number to which the card is linked is replenished.

• Use bonuses as a discount in partner stores. You can get up to 90% discount.
• Change bonuses for a discount in one of the Beeline salons when buying equipment. The discount also reaches 90%.

How and under what conditions can I get a loan on a Beeline payment card?

If it opens with a passport, then the credit version of the card will require the provision of one more document: a passport, driving license or SNILS. To do this, just come to the Beeline office or send an application from the official website of the card. Limited lending is provided by partner banks on the following terms.

Lending terms:

In general, the reviews of the owners agree on one thing. They consider the Beeline card a convenient tool for various payments.

The Beeline company today, in addition to its main specialization - the provision of cellular services, also implements additional offers, among which there are even Banking services. So, each subscriber, if he has a desire, can receive a Beeline MasterCard bank card, for which there are quite profitable terms, and use it to make purchases or withdraw cash from ATMs.

Today in our article we will pay attention to the consideration of information regarding this card. And also what percentage of the balance is offered on the Beeline card.

Beeline bank card: financial conditions and benefits

Beeline payment card with interest on the balance is completely ordinary and familiar in 2017 Bank card, where customers are offered to use both a personal account and a credit limit. Funds from the card, of course, can be used for any needs and at any time.

Frankly speaking, this banking product has no special advantages over the cards of other banks in the country. It is distinguished from a number of other offers only by the possibility of receiving funds for storing money on the card.

Each subscriber who has received a Beeline payment card can receive monthly interest on the balance of money in the account, calculated systematically based on the results of data on personal funds stored in the bank account.

As for more accurate coefficients, the interest on the balance can reach 7.5% per annum. However, if there is a very insignificant amount of funds on the balance, the percentage of dividends accrued on it will decrease significantly (up to 3.5% per annum).

Other benefits of the card include:

• Free service;
• The ability to receive cashback in your favorite places (categories are set in your account and application) up to 5%;
• 1% cashback on any purchases;
• Free information about transactions via SMS.

How to get a Beeline card

If you are interested in obtaining a bank card from one of the largest "players" in the Russian cellular communications market, you can do this very simply: visit any of the company's offices. Of course, you must have your passport with you. The card is issued in just a few minutes. So you can count on walking away with a new plastic item in your pocket right away.

Video "Bank card Beeline": 5 pluses and 5 minuses

How to disable interest on the balance on a Beeline bank card

Returning to the issue of calculating interest on the balance, it should be noted that this option although it is very convenient and advantageous offer, has some limitations that can be a big inconvenience for users of the card.

It's about that interest on the account balance is charged free of charge to Beeline bank card carriers only in the first two months from the date of receipt of a new card.

1. If during the month the client account constantly had at least 3 thousand rubles;
2. From the card there were payments for purchases in the amount of at least 3 thousand rubles during the month;
3. The card was topped up for at least 3,000 rubles per month.

In other cases, subscribers will have to pay 99 rubles in a monthly format for using the interest accrual service on the balance.