After the Perekrestok retail chain began to cooperate with Alfa Bank, a line of special bank cards became available to their clients. All of them are designed to pay for daily purchases. Their main advantage is the increased accrual of bonuses for purchasing goods in Perekrestok supermarkets. Let's consider them in more detail.

Prepaid card

The Perekrestok payment card from Alfa Bank is a convenient payment method that can be used in any store. At the same time, depending on the place of purchase, the following bonuses will be awarded for every 10 rubles:

1. 2 points when used in your own retail network.
2. 1 point at other outlets.
3. 6 points if you pay for items related to “Favorite Products”.

In the future, the accumulated points can be activated in Perekrestok stores and through program partners.
The following restrictions also apply when using the card:

1. The balance of the Perekrestok card from Alfa Bank cannot exceed the threshold of 15,000 rubles.
2. The total amount of transactions within one month cannot exceed 40,000 rubles.
3. There is no provision for cash withdrawal from this card account.
4. The replenishment amount should not be less than 100 rubles and no more than 15,000 rubles.

You can purchase a payment card at the checkout. Its cost is 99 rubles. It is registered in the same way as a regular discount card.

Replenishment methods

You can top up your payment card without additional commission in several ways:

1. Directly at Alfa Bank ATMs or at its partners.
2. By transfer from card to card, subject to using the Alfa Bank website.
3. In a proprietary mobile application.

What are points not awarded for?

Points on a payment card when conducting expense transactions are not awarded for the following:

1. For bank commissions written off.
2. When paying in METRO Cash&Carry hypermarkets.
3. When using the card for commercial purposes.

The card issuer bank can recalculate the number of points accrued at any time and, if necessary, cancel them. In addition, the list of bonus transactions may also change.

Card users are also probably interested in the following question: how to find out points on the Perekrestok card from Alfa Bank? It's very easy to do. You need to go to the official website of the trading network and log in. After this, information about the number of points awarded will be available on the very first page.

Debit card

The Perekrestok debit card from Alfa Bank is a classic banking product with increased cashback when used in the Perekrestok retail chain. The procedure for calculating bonuses for every 10 rubles when using it is as follows:

1. 2000 points after making the first expense transaction.
2. 3 points when using the Perekrestok supermarket card.
3. 7 points if you purchase products belonging to the “Favorite Products” group.

Once a year, a fee of 490 rubles is charged for maintaining a card account. You can get a card by leaving an application on the Alfa Bank or Perekrestok website. It is also possible to order free courier delivery in a number of cities. Their full list can be found on the bank’s website. A personal account is also available for this type of card on the Perekrestok website.

What are points not awarded for?

Points for spending transactions using a debit card are not awarded for the following:

1. For receiving cash.
2. When writing off a service fee.
3. When replenishing electronic wallets.
4. When making transactions in a casino.

When using a card, you should always remember that the issuing bank can recalculate the number of points accrued at any time.

Credit card

The Perekrestok credit card from Alfa Bank is a regular credit card with increased bonuses when used in Perekrestok supermarkets. You can get it by leaving an online application on the bank’s special page. After receiving a positive decision, the card is issued at the office if you have identification documents.

The procedure for accruing points for every 10 rubles is as follows:

1. 5000 as a gift for registration.
2. 3 points if the purchase is made at Perekrestok.
3. 2 points at other outlets.

The terms and conditions of this credit card are as follows:

1. Issue 0 rubles.
2. The annual fee for maintaining a card account is 490 rubles.
3. Rate from 23% per annum.
4. Two months interest-free period.
5. Limit up to 300,000 rubles.
6. 9% for cash withdrawal, but not less than 500 rubles.

When issuing a card, the following requirements for the borrower must be met:

1. Age from 18 years.
2. Citizenship of the Russian Federation.
3. The monthly income level is not lower than 9,000 rubles for Moscow and 5,000 rubles for the regions.
4. Having a personal phone.
5. Having a work phone. In this case, the number must be a landline telephone number.
6. Permanent registration in the region where the bank office is present.

List of documents required for consideration of the application:

• passport;
• rights, SNILS or INN.

To increase the likelihood of approval, you can also provide a vehicle title no older than 4 years or a copy of your international passport with an exit stamp.

You can always check how many rubles are on your Perekrestok card with a credit payment system at a bank ATM.

Recently, banks have increasingly begun to issue co-branded cards that give discounts or bonuses in a specific store, shopping center, airline, etc. Alfa-Bank also did not stand aside and issued debit and credit cards for purchases at Perekrestok supermarkets. Today we would like to present to your attention the Perekrestok debit card and tell you what it is.

Perekrestok is a standard one, intended for daily purchases and payment for services. As a reward for using the card, the client is provided with a loyalty program that allows him to save on purchases.

Loyalty program "Crossroads"

• Make purchases in the Perekrestok supermarket chain, as well as in any other stores with an Alfa Bank card and receive points to your bonus account.
• 10 points = 1 ruble.
• When you sign up for a card, you get 2,000 bonuses as a gift!
• You get 7 points for every 10 rubles spent when making purchases at Perekrestok in the “Favorite Products” category.
• 3 points to your account for every 10 rubles spent on any goods at Perekrestok.
• 1 point per 10 rubles for any other purchase.
• You can spend points in full or in part by paying with them in Perekrestok stores.

It is worth noting that if you are not yet a bank client, to receive a card you must activate one of the service packages to choose from:

1. Economy The cost is 89 rubles per month, or you can save by paying only 959 rubles for the year at once. Or not pay at all if the average monthly account balance is at least 30,000 rubles. the package allows you to hold a debit card of the Classic / Standard categories and basic bank services.
2. Optium. The cost is 199 rubles per month or 2189 if you pay for the year at once. Free service is provided if at least one of these requirements is met:
   • The average monthly account balance is at least 100,000 rubles.
   • Purchases made over the past month amounted to at least 20,000 rubles.

   The package may include up to 5 classic debit cards, account balance up to 6% per annum, free SMS notifications, discounts from bank partners and basic bank services.

3. Comfort. The cost is 499 rubles per month or 5,099 per year. Free service is also possible if one of the following conditions is met:
   • The average balance for the last month is at least 300,000 rubles.
   • Purchases with the card over the past month amounted to at least 40,000 rubles.

   The package includes enhanced service: a separate telephone line, a special service area in the department, priority service. And also up to 6 GOLD category debit cards, special offers for travelers, free insurance for traveling abroad, high limits on cash withdrawals, medical and legal support programs and much more.

4. Maximum. Cost 3,000 rubles per month. Free if:
   • The amount of purchases on the card for the previous month was more than 50,000 rubles and the account balance was from 1 million rubles.
   • The average balance for the last month is at least 3 million rubles.
   • A salary of 250,000 rubles was received on the card.

   The package includes individual customer service, the possibility of a manager visiting the client, special conditions for deposits, travel insurance for the whole family, transfer to the airport at the bank’s expense, free transfers, the presence of a personal manager, many premium cards, access to business lounges at airports around the world and much more.

Alfa Bank's Perekrestok debit card has become a joint product of the banking institution and the Perekrestok chain of stores. In addition to the payment instrument, such a card has a credit limit and a special bonus program.

In this article, we will consider this banking product in more detail, we will talk about the current tariffs for servicing plastic and the procedure for issuing a payment instrument.

The bank began producing a new type of plastic after concluding an agreement with the Perekrestok chain of retail outlets. Clients who have issued this payment instrument automatically have the opportunity to receive various bonuses and subsequently spend them at their own discretion.

The following accumulation system applies to the new type of plastic:

• for every 10 rubles spent in the Perekrestok store, 3 bonus points are awarded;
• 2 points are awarded for purchasing your favorite products at other retail outlets;
• 7 points are awarded for every 10 rubles spent on purchases in the “Favorite Products” group using credit funds.

When paying with a card in any other store, the discount on each purchase will be 1%.

In addition to discounts and bonuses, owners of payment instruments can take advantage of a special loyalty program that applies to certain groups of goods:

1. lemonade and juices;
2. meat products;
3. Products for children;
4. culinary products;
5. milk products;
6. vegetables and fruits;
7. bakery and confectionery products.

In this case, the discount will be 7%. More accurate information about which products are included in the “loyal” group can be obtained by calling the hotline of the Perekrestok network or in the corresponding mobile application. The points received can be spent within 12 months from the date of accrual. The points are written off by the cashier using a barcode reader.

In some cases, the card can be prepaid for making subsequent purchases or a credit card.

To get the necessary information about how many points you have accumulated, just call the bank, register your Alfa Bank Perekrestok card in your personal account, or look at your receipts.

You can link the map to the My Crossroads application. Points are awarded once a month. It is important to note here that points are not awarded for individual expenses. For example, cash withdrawals or advertising expenses, communications fees, or gambling are not taken into account.

Credit card "Perekrestok" Alfa Bank - conditions, registration, requirements for clients

The Perekrestok credit card is a special type of banking product that can also be ordered online. To complete this operation, you will first need to fill out an online application and prepare the necessary documentation.

Before starting the procedure, you should study in detail the conditions that Alfa Bank offers to its clients. The following conditions apply:

• for a year of card servicing, a fee of 490 rubles is charged;
• Free mobile banking connection available;
• bank rate – from 25.99% per year;
• The grace period is at least 60 days.

When the card is issued, 5 thousand bonus points are immediately credited to it as a gift.

In addition to the conditions applicable to the card, certain requirements are imposed on borrowers.

In particular, we are talking about the following points:

1. age – from 18 years;
2. income – from 5 thousand rubles in the regions of the country and not less than 9 thousand rubles in Moscow;
3. mandatory availability of home and landline telephones, as well as permanent mobile communications;
4. the applicant must have permanent employment in the region where he is registered and where the credit card application is submitted.

There are no age restrictions. The decision on the application is made based on the client’s solvency and availability of permanent employment.

Mandatory documents

To receive a card, the borrower will be required to prepare a package of mandatory documentation. In particular, we are talking about the following types of papers:

• applicant's passport;
• driver's license;
• TIN and SNILS;
• health insurance policy;
• A foreign passport with a stamp indicating that you have traveled abroad within the last year.

According to reviews from regular clients of Alfa Bank, the most favorable conditions are provided to those citizens who additionally provide a certificate in Form 2-NDFL about their existing earnings. The certificate is valid for 30 days.

Procedure for issuing a credit card

Getting a Perekrestok credit card is not very difficult. It is enough to visit the bank and submit an application form and a package of mandatory documentation for consideration. The whole process will take about 10 minutes.

In the future, you need to send documents for verification and consideration.

This stage will take about 1-2 days. If approved, the borrower receives a message and is sent to the bank to receive a card.

After signing the documentation, the card is issued within a few minutes. An important step is the procedure during which you will need to activate the credit instrument. To do this, just contact a bank employee or call the hotline. Additionally, you can use the issued PIN code. Credit cards are not used for cashing out, since for each such transaction you will have to pay about 500 rubles or 5.9%.

The popularity of Alfa Bank is steadily increasing. Having extensive interests and a large number of partners, he does not stop developing and improving for the convenience of clients. A striking example is the “Crossroads” card.

Its owners receive a number of benefits, including opportunities: savings on a bonus program, consumer lending, money transfer and more. A lot of useful information can be obtained by reading reviews of people who are already using this service.

Alfa Bank issues three types of Perekrestok plastic cards. Each has its own purpose and advantages associated with it.

Depending on the type of plastic, the method of acquiring it and the operations that are available to its owner differ.

Debit

Has the greatest functionality. The client’s personal money is stored on it; registration is carried out with reference to a specific person.

Points awarded:

• as a gift - 2 thousand;
• in return for 10 rubles spent online - 3;
• for expenses at third-party retail outlets – 1;
• When you spend your money on products from the “Favorite Products” group, you have 7 points per 10 rubles.

By using it, you get:

1. Various special offers and discounts in the mobile version of My Crossroads.
2. Freedom to replenish funds from the accounts of other banking institutions.
3. Withdrawing cash from any ATM located in Russia.

The cost of service depends on the service package chosen when connecting and will cost from 490 rubles.

Credit

The credit card gives you access to Alfa-Bank’s finances; you can use them to purchase various goods or services. By completing it, you will receive points:

• one-time - 5 thousand;
• 7 points are received for 10 RUB when spending on products from the “Favorite Products” group;
• for money spent online, you will be awarded 3 rubles per 10 rubles spent at Perekrestok;
• other expenses - 2 points.

By using bonuses for further purchases, you significantly reduce your costs. In addition, you can always be aware of My Crossroads offers.

The credit limit is 300,000 rubles. If the debt is repaid within 60 days, no interest is charged. At the end of the term, the loan rate is 23.99%. The service will cost 490 rubles per year.

Prepaid

Does not require activation or additional connections. There is an opportunity to purchase it at the checkout of any Perekrestok store. When shopping in the chain's supermarkets, you get:

• 2 points per 10 RUB spent.
• in case of other expenses made with its help, 1 point per 10 RUB.

Free replenishment from accounts of third-party financial organizations is possible. Please take into account the fact that the one-time balance of funds can be no more than 15,000 rubles. The amount of transactions performed with its help is limited to 40,000 rubles. within a month.

Note!

The owner has the opportunity to take advantage of special offers from the My Perekrestok mobile application.

How to get a Perekrestok card

There are different conditions for different types of plastic. To issue a debit and credit card, you need to contact the bank; in the case of a prepaid card, you just need to visit one of the Perekrestok stores.

The main requirement for purchasing plastic is that the client has reached the age of majority and citizenship of the Russian Federation. There is no need to provide documents confirming solvency. If you are not a bank client, it can be issued after activating the selected service package.

The offer consists of four options.

"Economy" allows you to:

• have current accounts in different currencies;
• make payments without visiting Alfa Bank branches, using the functionality of the Alfa-Click system;
• be serviced at an Alfa Bank branch convenient for you;
• make transactions from other financial organizations using the Alfa-Click and Alfa-Mobile services.

The Optimum package contains the following features:

• SMS notifications;
• balances on savings accounts are accrued at 6% per annum;
• connection to Internet banking;
• opening current accounts in rubles, euros and dollars;
• If safety conditions are met, the cost of the service is 0 rubles.

By connecting to the Comfort package, you get:

• discounts and offers;
• privileges when withdrawing money from ATMs;
• access to the Alfa Mobile mobile service free of charge;
• insurance when traveling to other countries.

“Maximum+” includes the following services:

• you get access to personal service in all Alfa Bank branches in Russia, if necessary, a manager will come to you;
• services of the best mobile bank;
• access to profitable deposits and investments;
• currency conversion at exchange rates;
• insurance, transfers to airports at the expense of Alfa-Bank.

To receive it you will need to fill out an application. Login to the page.

On the next tab, find “Intersection”, click “Order card”.

In the window that opens, fill in all the fields.

Click on the “Continue” button, your application will be submitted for review. After some time, an Alfa-Bank employee will call you back and clarify the necessary information. You can pick up the plastic at a nearby branch.

Important!

You can place an order through the Alfa Click online bank or directly at a bank branch.

To purchase it, you do not need to connect additional services.

Note!

The client must meet certain requirements:

1. Be an adult citizen of the Russian Federation.
2. Monthly income should be: 9000 rubles. (Moscow) and 5,000 rubles. (regions).
3. Have a permanent place of residence.
4. Provide a contact phone number and indicate the number of the management or accounting department from the place of work.

To submit an application, go to the website.

Select the “Credit” type and click “Order card”.

On all pages, fill out the required fields, pressing the Continue button, proceed to the next steps. After filling out the form, it is sent to the bank and your application awaits approval.

If a positive decision is made to issue a credit card, you can pick it up at the Alfa Bank office. You must have a Russian passport with you.

How to get a prepaid Perekrestok card

The easiest option is to buy it at the checkout counter of one of the supermarkets for 99 rubles. It is a full-fledged means of payment, working in a similar way to other cards, and opening an account by the client is not necessary. There is no need to activate it - plastic purchased in a store is ready for use immediately after purchase.

Note!

You will not return the money that was on a lost, unidentified means of payment; in this case, you can only restore points that have already been accrued.

The owner can visit the nearest Alfa Bank office and submit an application for identification. He must have with him an identity document valid on the date of submission. After completing this procedure, the maximum balance amount and monthly turnover of funds increase significantly.

By watching the video below, you will learn about the benefits received by customers using this project:

You can top up cards using the services of Alfa-Bank cash desks, using ATMs, through the Alfa Click service or the Alfa-Mobile mobile application.

When you spend your funds in the Perekrestok network, bonuses are awarded. Depending on your card and type of purchase for 10 rubles. The funds you spend will be returned from 1 to 7 points. The accumulated ones are spent in stores of the network or partners. To do this, just ask the cashier to write off bonuses against your purchase. To calculate the bonuses you are entitled to, you can use an online calculator.