Not everyone can afford to make purchases commensurate with one salary. It is convenient when there is a card with money in your wallet, with which you “borrow” from yourself, and even at a convenient installment time. I got just such a card a couple of years ago - then the “boom” began banking offers various cards with a similar option. My choice fell on the "Purchase Card" from "Belgazprombank", as the accompanying was accompanied by a free issue, maintenance and validity of the card for several years. By the way, it turned out to be more profitable among other competitive offers.
The "Purchase Card" itself is nothing more than a bank payment card with an overdraft from 200 to 10,000 Belarusian rubles. The limit of the allowable amount can be agreed with the bank, but keep in mind that if you request more than 1000 rubles, the bank will require a certificate of income. Personally, for my needs, the proposed amount is quite enough, without unnecessary documents.
Its convenience lies in the fact that you buy today, and you start paying only next month. At the same time, in partner stores you can find interest-free installments in equal installments for several months. Of course, the most important argument is the absence of overpayments and commissions from perfect purchases. Everything is clean and transparent - as a result, you need to pay the exact cost of the goods, no more, no less. In addition, I sometimes use it as a payment card, replenishing my account with my personal funds and get 2% cashback if I buy goods in a network of partners.
Issue and maintenance are free, the rest of the conditions (current as of 11/08/2019) are in the screenshot below:
When I purchased the card, there were not so many partner stores: the system was only gaining momentum, but it was doing it successfully. Now the network of partners includes even large chain stores:
Now you can safely buy essential products, clothes, furniture and household appliances, while "staying with the money" and distribute your expenses without "tightening your belts".
For example, since the beginning of 2019, Euroopt has increased the installment plan to 2 months. Shoe chains "Megatop" and "Marko", children's discounter "Buslik" offer to buy goods from them with a deferred payment of 3 months. But furniture stores offer more long terms installments: in the same "Ami" you can make a purchase with a card and pay up to 8 months.
Most often, the term of an interest-free loan varies from the amount or name of the product. It depends on the partnership agreement with the store. For example, in TSUM there are several offers - up to 1 month for foodstuffs, 4 months for non-food products, and on a day determined by the store, you can buy goods with an installment plan of up to 10 months.
The purchase of household and other appliances is sometimes offered for promotional installment periods (for example, in Technoplus), but in the 5th Element you can purchase goods by paying for them not in whole, but in installments up to 3 months. In large online stores like 21vek.by, 24shop.by, installment offers are defined from 3 to 7 months. Again, it all depends on the cost and category of goods.
For example, select the category "Cosmetics and Perfume" and see on the map a list of popular stores available for this city. This also includes online stores operating throughout Belarus.
If you need a specific store, you can use the search by entering the name.
The same functionality is available through the Internet login on the computer: everything looks identical and is available for use. Here you can control your credit finances.
How to find out the payment for goods purchased in installments? In your personal account, select from the list "Purchase card", the pop-up window to it "More" and "Balance minimum payment on credit." Those. you will find out the amount that must be paid monthly and the installment period itself. The same can be done through a mobile phone using the official application.
Now let's figure out how to replenish the "Purchase Card". For myself, I chose an online transfer from card to card - it's easy and fast enough, especially since the bank itself provides an online transfer service Money from any card of the Bank of the Republic of Belarus to the cards of Belgazprombank. There are no commissions for this, and the money is transferred no longer than any payment through Internet banking.
You can also use ERIP to replenish the balance, but I want to note that it took me much longer to receive funds. I won't elaborate on this in my review - both methods are well documented.
Summarizing all of the above, I can note that the "Shopping Card" for me is a modern useful device that helps to rationalize my expenses. After all, even buying goods with an installment period of up to 1 month (most often these are grocery stores, pharmacies or other services for the provision of services), you can satisfy your needs today and optimize waste in the future.
A shopping card allows you to pay for goods and services in a network of partner stores without any overpayments. A prerequisite in this case is the timely repayment of the debt in equal installments by the 20th day of the next month. The installment plan is from 1 to 24 months. Its duration depends on the store where the purchase was made.
How to issue a shopping card and what is needed for this.
A purchase card can be issued by persons aged 18 to 64 years. To issue a card with a limit of up to 3,000 rubles (changed from December 13, 2018), a passport (residence permit in the Republic of Belarus) and official employment at the last place of work for more than 3 months are required. In this case, you do not need to provide proof of income.
If you need a limit of more than 3,000 rubles (changed from 12/13/2018), then you will need to provide a certificate of income (for the last 3 months) or receive wages to the card of Belgazprombank.
You can issue a purchase card at any branch of Belgazprombank or order it through the online application form on the bank's website or by calling the short number 120. After completing the application, you can receive the card within 30 minutes.
Stores-partners shopping cards.
The list of partner stores of "Purchase Cards" from Belgazprombank is constantly expanding. As of the beginning of December 2018, their number exceeded 19,000 items. All stores can be found on a special page of the site.
How to replenish the card or pay off the debt.
There are many ways to deposit money and pay off debt. One of the most convenient is a special bank service, with which you can transfer funds from any bank card to a purchase card without commission (the minimum amount of one transaction is 5 rubles, the maximum is 500 rubles). When transferring from a Belgazprombank card, repayment will be made on the next business day, and when transferring from a card of another bank, within three business days. You can also pay your debt in other ways:
It is necessary to go to the "My Portfolio" section, select the displayed "Purchase Card" and use the "Top Up" function to credit the required amount;
Additional features of the shopping card.
This card is used not only for the purchase of goods by installments, but also as bonus card. To credit cashback (discount), you need to pay with your own funds in partner stores. In this case, a 2% cashback will be credited from the amount of each purchase made.
Additionally, the purchase card can be used as an international means of payment when paying abroad and on the Internet (with own funds).
Find out the balance of the shopping card.
1. Using an SMS message with the command - "1хххх" ("хххх" - four last figures card number) to 2472 (free of charge).
2. With the help of a USSD request: *128*1*хххх# (where "хххх" are the last four digits of the payment card number) - free of charge.
3. At the ATM of JSC "Belgazprombank" (free of charge).
4. In the Internet bank (personal account) or in a mobile application (free of charge).
5. At the contact center by number 120 or at the holder escort service bank cards by the number +375-17-229-16-21. The cost of this service is 2 rubles.
A brief video review about the "Purchase Card" can be found in the following video:
Answer. No. Even after leaving the decree, a woman needs to work for more than 3 months?
2. How to get a shopping card individual entrepreneur(IP)?
Answer. For this, it is necessary to carry out entrepreneurial activity over 6 months. As documents, you need to provide a passport and a certificate of state registration IP.
3. What limit can be credited to the card?
Answer. Everything is individual. It depends on the level of income. The approximate limit is shown in the table below:
4. How long is the card issued for?
Answer: For 5 years.
5. How to find out the debt on the purchase card?
Answer: The debt and the available limit are displayed in the Internet bank of Belgazprombank.
6. Can I change the pin code?
Answer: Yes. This can be done at an ATM of Belgazprombank. The cost of changing the PIN code is 1 ruble.
7. How to find out the pin code.
Answer: You can find out the PIN code using a USSD request. This requires for mobile phone dial *128*2*5*ХХХХ(last four digits of the card number)#
8. Can I withdraw cash?
Answer: Only credited own funds, which are not related to the repayment of debt.
9. By what date is it necessary to repay the debt?
Answer:Until the 20th of every month. If you decide to pay off the debt on the 20th, then in this case you need to contact the bank office with a passport in order to deposit the amount into the account.
10. Is it possible to repay the debt ahead of schedule?
Answer: Yes. In this case, no fees will be charged.
11. How to become a shopping card partner?
Answer: To do this, you need to contact the department for working with partners through the online contact form.
12. Where can I get a shopping card?
Answer:The purchase card can be obtained at any branch of Belgazprombank OJSC in such cities as Minsk, Baranovichi, Bobruisk, Brest, Vitebsk, Volkovysk, Gomel, Grodno, Dzerzhinsk, Zhlobin, Kobrin, Lida, Mogilev, Molodechno, Nesvizh, Novogrudok, Novopolotsk, Orsha, Osipovichi, Pinsk, Rechitsa, Slonim, Soligorsk and Fanipol.
13. How to login Personal Area?
Answer: You can enter your personal account "Purchase Cards" using this link.
14. What are the promotions on the purchase card from Belgazprombank?
Answer: These promotions can be found on a special page of this banking product.
15. What is the late payment interest?
Answer: If the debt is repaid before the 20th, no interest is charged on the amount of the debt. However, if there is a delay in payment, then for each day of delay, interest is calculated at an interest rate of 0.16%, and your credit history may deteriorate.
If you have additional questions, you can ask them through the online form or in groups of social networks "
Hi all! Today I want to tell you about the installment card " Shopping card" from Belgazprombank. When you buy something, for sure, you are pleased to receive discounts. To me, definitely yes. Of course, stores constantly make discounts on goods, but you want more))) I will share with you how you can get this opportunity. But first things first.
It's been a long time since I've heard of such a thing as cash- back(cashback). talking in simple words, this is a refund of part of the purchase price to the card. That is, you pay for a product / service, and the money is returned to you just like that. Well, isn't it tempting? Tempting, and how! I do not disdain discounts, and the “extra” penny is not at all superfluous to me. Therefore, I began to look for an option for such a card. Having started the search, I realized that it’s almost impossible to find a cashback card. There are, of course, several options, but the affiliate network of these cards is not developed, and cashback, as a rule, is paid on the condition of making purchases in the network of bank partners.
BUT! Many banks offer installment cards with cashback function. I’ll clarify right away: the installment plan didn’t interest me, so I watched the most profitable options specifically for the refund. Having "shoveled" a lot of information from different banks, I settled on Belgazprombank. I have already cooperated with this bank - I opened payment cards, deposits - and there were never any questions, so I began to study the Purchase Card in more detail.
So what Bank writes about this card?
The first thing that got me interested was free release and maintenance cards during the entire period of validity. And, for a moment, the card is issued for 5 years (I was even surprised that such a period)! Since I wanted to receive a refund, and not give it to the card service, for me this factor was very important. For example, in other banks, the average year of servicing similar cards is 20 bel. rub. (≈$9.3). For 5 years - this is $ 46.5.
The second good news cashback size 2%. I will tell you as a person who has studied many different proposals, this is a very, very good percentage. This, of course, cannot but rejoice. Many offer 1-1.5% maximum, or even lower (((
Cashback is paid in case of making purchases in partner stores. Affiliate networkShopping cards has more than 18,000 stores throughout the Republic of Belarus. And these are not some little-known stores that cannot be found, but super- and hypermarkets, online stores, etc. - that is, those in which I often go. Before registration, I looked on the site to see which stores I visited.
In addition, the Purchase Card is an international payment card, it also works outside the Republic of Belarus in all stores (at least they write so, I have never tried it myself). After reading the conditions and tariffs, I realized that I urgently need such a card. With these thoughts, I went to the bank. I think I’ll “stick” to a bank employee, ask what and how, and draw it up for myself.
1. Purchase card - nameless, i.e. you come to the bank, the employee fills Required documents and immediately gives you the card. You leave the bank as a happy owner of the Purchase Card.
2. Because originally it's all the same overdraft card then with you anyway is loan agreement , regardless of whether you will use installments or not. But don't be afraid. For all 5 years you can NEVER do not use installments, but pay with your own funds and receive cashback, but the rules are the rules.
3. Overdraft amount may be from 200 to 10.000 bel. rub.(≈ from $95 to $4650). If you plan to use the Purchase Card also for installment payments, then at the time of the conclusion of the contract you should consider how much you may need. The only point: if you want to issue a Purchase Card with an overdraft limit of more than 3,000 bel. rubles, then the bank must present a certificate of income.
4. Top up card in several ways: through ERIP; by depositing cash at the box office of Belpochta; at cash desks, information kiosks and ATMs of Belgazprombank, using mobile application and through the Internet bank of Belgazprombank, as well as using the bank's online service.
There is still a plus that the card is a credit card, because when you top it up through ERIP, from you DO NOT take commission, even if you transfer money from another bank. If the Purchase Card was without an overdraft, other banks would charge a commission when transferring funds.
But there is also a disadvantage. Only when replenishing through a cash desk or an ATM of Belgazprombank, money comes to the card instantly. In other cases - you will see the money on the card only on the next business day, and then closer to lunch (Saturday and Sunday are not considered). I had a situation: I transferred money to the Purchase Card through ERIP on Friday at 15:35. I saw them on the map only around 12:00 on Monday. Where were they for 3 days? And even though branches are open on Saturday, this day is still considered a day off. In general, it is not very convenient, especially if the funds are needed quickly, and there is no bank branch or cash desk nearby.
5. Another point - cashback refund. The bank's website promises that the remuneration is paid no later than the next banking (i.e. working) day after the account transaction is reflected. But in fact ... Everything is not so rosy. Me on Cashback card only comes 3-4 days after purchase. For me, this, of course, is not critical, the main thing is that 2% of the purchase price is returned. But nonetheless…
6. As for the payment in stores- theoretically, she can pay for her purchases outside the affiliate network (then, of course, there will be no cash back).
The Belgazprombank Shopping Card is valid on the territory of the Republic of Belarus in all stores that are partners of Belgazprombank, as well as in all stores abroad when making a payment at the terminal.
But this is theoretical. In practice, we encountered the fact that not everywhere the payment “passes”. Gives "Operation failed". I can’t say why this is so, perhaps they are still arranging payments ... But again, this is inconvenient, because it suddenly happened that the money remained only on this card.
By the way! Just, through an ATM, it will not be possible to withdraw money from the Purchase Card. Again, you need to go to the bank with a passport and through the cash desk you can get your money. Therefore, it is advisable to calculate in advance how much you need to put on the card, so that you do not waste your precious time later.
7. As the bank employee assured me, there is no limit when making a transaction at the expense of one's own funds. Roughly speaking, if you buy a car and the dealership is a partner of the Purchase Card, then 2% of the cost of the car will be returned to your card, even if the car costs $30,000. And, you see, 2% of $30,000 ($600) is a completely different amount))) In practice, I have not checked this at the moment, so I cannot confirm or deny this fact.
8. I would also like to draw your attention to important point when making purchases. Not in all stores when paying with a Purchase Card store discounts and promotions!!! But this already needs to be clarified in each particular store, the bank will not tell you this. I first went through the main stores where I most often make purchases, and clarified this point with consultants. Perhaps this flaw. After all, discounts, as a rule, are much more than 2%, so it becomes impractical to pay with a Purchase Card. But, fortunately, personally, in my stores, almost everywhere, all bonuses are saved, so I don’t worry about this.
So, once again I will briefly list all the pros and cons of the Purchase Card (especially for me, certain criteria are important for everyone).
Pros:
– free release and maintenance;
– cashback in the amount of 2%;
– a wide partner network (more than 18,000 stores);
– maximum overdraft amount – 10.000 bel. rub. (≈$4700);
– there is no limit on the amount of purchases at the expense of own funds;
- when transferring funds to the Purchase Card through ERIP, other banks do not charge a commission.
Minuses:
- crediting funds to the Purchase Card on the next business day (exception - when replenishing the card through Belgazprombank cash desks);
– return of cash-back for 3-4 days after the purchase;
– the impossibility of paying by card in some stores that are not partners;
– cancellation of promotions and store discounts when paying with the Purchase Card.
Since the above minuses are not very critical for me, I give the Shopping Card a solid 4. In general, I'm satisfied. And that's why I recommend it!
It has an intuitive interface, so users can easily log into it, find out their purchase history, replenish their account or check their balance. It is located on the official website of the specified bank.
After that, you will be able to entrance to the personal account of the shopping card. For this you will need:
Registration takes place at the branch. Therefore, you can immediately go through it when issuing a card. After that, you will be given a unique code required for identification and transactions. If you do not want to go to the office to connect your personal account, you can use the information kiosk.
For remote registration, click on the "Registration" button located on the official website financial organization. Choose the appropriate menu item:
In the latter case, the username, passport number and phone number are indicated. New customers need to provide more complete information: a questionnaire is filled out, which indicates the maximum amount of personal information up to the apartment number. In the future, you only need to enter a username and password.
Everything is on the main page necessary information about available cards. In the office, you can see about all operations, set limits. This option is also suitable for those who do not know how to find out the balance of the shopping card. Unlike other similar banking products you will be able to see a statement of payments made not after a certain date, but a few days after the transaction.
You can also view your balance:
Thus, you can make purchases from any partner store. Payment by card is the same as any other. Through your personal account, you will be able to track all your payments, the dates they were made. There you will also see a monthly statement with detailed information about all manipulations.
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