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 look at 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.

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.

Alfa-Bank's Perekrestok debit card is a universal payment instrument for daily use with a bonus program created jointly with the Perekrestok supermarket chain.

Who is the card created for? Why is it needed?

Obviously, the card was created for regular customers of the Perekrestok supermarket chain, as well as those who live nearby and often buy their essentials there.

There is no reason for non-regular customers to apply for this card, because the entire bonus program is built specifically around the Perekrestok grocery supermarket chain.

The main consumer of this banking product is the middle class from large cities where the chain's supermarkets are present.

First of all, the card was created as a universal payment instrument in offline stores and on the Internet (transfers from card to card to friends and family, payment for purchases and services, replenishment/withdrawal, etc.)

Of course, it should be noted that the main function of plastic is to save your own money through the bonus program of Alfa-Bank and the Perekrestok network.

Advantages of the card

• Very profitable bonus program
• Low cost of annual service for a card with the possibility of contactless payment with Apple Pay and Samsung Pay and other goodies
• A special Perekrestok mobile application, where holders of co-branded cards will receive additional promotions and bonuses
• Free delivery by courier in Moscow within the Moscow Ring Road and a 15-minute walk from the metro
• Loyalty program with cashback in restaurants up to 50%
• Alfa-Bank has a large list of partner banks from whose ATMs you can withdraw money without commission.
• As a bonus to the Service Package there is a savings account “My Safe” with a small return on the balance. At the same time, you can use the funds as you wish without losing accrued interest. A kind of interest on the card balance.
• The client receives a card with a chip, 3D-Secure one-time password technology for confirming online transactions, PayPass contactless payment, as well as ApplePay.
• The first 10 withdrawals using an Alfa-Bank card from third-party ATMs will be absolutely free

Disadvantages of plastic

• To become the owner of a co-branded Alfa-Bank Perekrestok card, you must first activate one of the Service Packages to choose from: Economy, Optimum, Comfort, Maximum+. Moreover, all the packages are paid, and the commission for them is quite high
• All additional services are paid. Their prices are higher than most other banks. For example, SMS-Bank Alfa-Bank is one of the most expensive among all credit institutions; you will also have to fork out for a mobile bank. What can we say, even USSD requests are paid at Alfa-Bank, while the same Sberbank offers all of the listed services absolutely free, except for SMS Bank.
• High cost of service coupled with a paid package of services. To make using the card easy, you need to meet the minimum requirement for free use of the Service Package.

How to get a card?

If you are interested in co-branded plastic and want to design it, there are several ways to do this. The most convenient and fastest of them is to order an Alfa-Bank Perekrestok card on the Internet. To do this, you need to fill out a detailed form, confirm the release and wait for the courier. The courier will deliver the plastic in 2-4 days absolutely free of charge within the Moscow Ring Road or a 15-minute walk from the MKAD metro station.

In all other cases, you will have to apply for the card in person at the nearest pre-selected office. As soon as the plastic is delivered there, the client will receive an SMS notification about this.

The second option is to order a card at a branch. You need to have your passport with you. An application for a Perekrestok Alfa-Bank card is completed within 15-20 minutes. After this, the potential owner will need to sign an application for the issue and maintenance of the card. In about 3-5 days the card will be ready. But delivery times will depend on the distance of the locality from Moscow. The further it is, the longer it will take to deliver the card and vice versa.

Bonus program "Crossroads"

When paying with a card for any goods and services, the client receives bonuses to a special account. The number of bonuses depends on the place of payment. For example:

1. For every 10 rubles spent in the Perekrestok network, 3 points are returned to your bonus account
2. 1 point for every 10 rubles goes when paying with the card for any goods and services in other stores
3. 6 points for every 10 rubles spent. available when purchasing using Apple Pay
4. 7 points for every 10 rubles will be returned to your bonus account when purchasing goods from the “Favorite Category” in Crossroads stores.

Upon registration, the client receives 2000 welcome bonuses.

With accumulated points, the client can pay the full or partial cost of a purchase in the Perekrestok network without restrictions. Every 10 points = 1 ruble.

That is, if you have accumulated 10,000 points on your Alfa-Bank Perekrestok card, the amount converted into rubles will be 1,000 rubles, which can be used to pay at any Perekrestok store and with partners.

The payment system also offers its own system of discounts and privileges to owners of Mastercard World. You can get a discount from Mastercard partners in Russia and abroad: Formula Kino, Kinohod.ru, Burger King, taxi Friday, iLux, etc.

The Alfa Bank Crossroads card is another prominent representative. This is a joint product of the bank and the Perekrestok retail chain. Using a payment card of the same name, paying for purchases in a supermarket becomes even more profitable - cashback in the form of bonuses is credited to the card, which can be used to pay at Perekrestok supermarkets and partner stores.

And of course, the Alfa Bank Perekrestok card is a universal payment instrument; you can use it to pay for goods and services, withdraw cash, or use it as a permanent account for depositing salaries or other income.

The Crossroads card comes in the following types:

• Perekrestok Alfa Bank debit card – allows you to pay in stores and withdraw money within the limit of your balance;
• Perekrestok Alfa Bank credit card – has a set credit limit within which the cardholder can make payments and withdraw cash;
• prepaid or payment card Perekrestok Alfa Bank - intended only for non-cash payments, you cannot withdraw money from it;
• Perekrestok club card.

The first two are issued in the form of MasterCard World, the prepaid one is issued in the form of MasterCard Prepaid. The club card is not a payment instrument; it is a discount card of the Perekrestok retail chain. It is intended for accumulating points for purchases in supermarkets of the same name, and not for payments during purchases.

The Perekrestok Alfa Bank payment card belongs to the family of the international payment system MasterCard. Has a standard set of options:

• 3D Secure data protection technology (except for prepaid cards);
• PayPass contactless payments.

How to apply for a Perekrestok Alfa Bank card

The method for ordering a card depends on its type. So, you can issue a debit card:

• by submitting an online application through the official website;
• in any of its branches;
• through Alfa-Click Internet banking.

You can apply for a Perekrestok Alfa-Bank credit card using an online application or directly at Alfa-Bank.

To receive a prepaid or club card, you must personally contact the cashier of the Perekrestok supermarket.

It should be noted that the Perekrestok Alfa Bank debit card is delivered to the customer by courier free of charge, but this service is available only in six cities: Moscow, Kazan, Novosibirsk, Yekaterinburg, St. Petersburg, Krasnodar.

The online application with which you can order a card consists of five information blocks:

• personal data: full name, contact phone number, email;
• passport details, date and place of birth;
• permanent registration address;
• address of the actual residence. Must be filled out if it does not coincide with permanent registration;
• Additional Information. Here you need to indicate the type of employment and the code word.

All information must be provided correctly, without errors, so that you do not have to correct it. And in the case of a credit card, any incorrect data can be interpreted by the bank as providing false information, which can lead to a refusal to grant a loan.

The approximate time to fill out the application is about 5 minutes.

Who can receive a Perekrestok payment card

Anyone over 18 years of age can get a debit and prepaid card, the same applies to a club card. But the requirements for a potential credit card user are more stringent:

• number of completed years at the time of application – 18 years;
• availability of a stable income in the amount of 9 thousand rubles. “clean” for Muscovites and from 5 thousand rubles. for residents of other regions;
• mandatory presence of valid contact telephone numbers: mobile or home landline;
• availability of a telephone for communication with the accounting department or human resources department of the employer;
• actual residence, registration and work in the locality where there is a branch of Alfa-Bank or near such a locality.

What documents does the bank need?

In order to become a holder of a debit or prepaid card, all you need is a passport. But the Perekrestok Alfa Bank credit card is issued if you have a passport and one more additional document. The client can choose any one from the list: international passport, driver’s license, SNILS, INN, compulsory health insurance policy.

You can increase the chances of a positive decision if the potential client brings to the bank any of the following documents: a copy of the registration certificate for a car no more than 4 years old, a foreign passport with marks of border crossings for the last 12 months, a copy of the front page of the voluntary health insurance policy.

It is possible to improve lending conditions by lowering the interest rate if the future borrower documents his or her income. This can be done by providing a salary certificate for the last 3 months in the form of a bank or 2 personal income taxes.

How to use the Perekrestok map

The Perekrestok Alfa Bank payment card is designed to accumulate points earned for purchases in the retail chain of the same name and in partner stores. When issuing a card, each client receives a bonus account, which is linked to the mobile phone specified in the application form.

Several cards can be linked to one number. Thus, all points for payments using them will be credited to one bonus account.

The card is activated by filling in the registration data using one of the following options:

• in the user’s personal online account;
• using the My Crossroads mobile phone application.

After saving all the information to the contact phone number, the bank automatically sends an SMS with a secret 16-digit code, which must be entered in the appropriate field in your personal online account.

You can also register by calling the call center at 8-800-200-95-55 and dictating a secret 16-digit code to the operator via SMS.

And the last registration option is to send a free SMS with a code to the number 95-55. The message must additionally indicate the client's name and date of birth.

The client receives a credit and debit card immediately registered in the Perekrestok loyalty program.

It should be noted that the client is credited with points not only for non-cash payments, he also receives bonuses for paying for purchases in cash, but subject to presentation of a club member card.

The amount of points awarded depends on the type of card. It should be noted that the full 10 rubles of the purchase are accepted for calculation. The cashback amount as a percentage is shown in the table:

Map view Crossroads	For payments in Perekrestok stores"	For purchases in other stores	Welcome bonus, rub.	For purchases in the "Favorite Products" category
club card	1%	0%	-	5%
Prepaid card	2%	1%	-	6%
Debit card	3%	1%	200	7%
Credit card	3%	2%	500	7%

Points earned for calculations are awarded to the client monthly. But in order for the welcome points to be credited to the cardholder, you must manage to pay with the card within 45 days after its issue.

The cardholder should note the following restrictions:

• Points are awarded for no more than 5 purchases in one supermarket during one day.
• You can make no more than 15 purchases in just one day.
• Points expire if not used within 12 months of accrual.

By the way, the website https://www.perekrestok.ru/ in the “Rules” section contains a list of supermarkets where the amount of points is affected by the amount of the check:

• up to 499 rub. – 1 point;
• from 500 to 999.99 rub. – 2 points;
• from 1000 to 1,999.99 rubles. – 4 points;
• from 2000 rub. – 6 points.

In other words, cashback can grow up to 6%.

Conditions and tariffs for card services

A new client will be able to receive a Perekrestok debit card only if they order one of the service packages:

Name	Monthly fee, rub.	Annual payment, rub.
Economy	89	959
Optimum	199	2189
Comfort	499	5099
Maximum+	3000	-

Each package includes a certain number of financial services that the client can use. Accordingly, the more expensive the package, the more bonuses and benefits it receives.

It should also be noted that each of the packages has a number of conditions that allow you to save on monthly payments. For example, the commission is not withheld provided that the client receives wages through an Alfa-Bank card (Optimum package).

The remaining tariffs are inherent in a debit card:

• release - free;
• 490 rub. – annual maintenance fee;
• replenishment from cards issued by other banks through the Alfa-Bank website is free;
• Cash withdrawals from Alfa-Bank ATMs are free. Additional bonus – 10 free withdrawals per month from any banks in Russia;
• cash withdrawal through a bank cash desk – 1.5% when requesting an amount up to 100 thousand rubles and free if more;
• cash withdrawal after completing free attempts – 1.25% minimum 150 rubles.

The Perekrestok credit card has the following properties:

• free issue;
• annual subscription fee – 490 rubles;
• loan fee – from 23.99% per annum;
• cash withdrawal commission – 5.9% minimum 500 rubles;
• maximum credit limit – up to 300,000 rubles;
• grace period, which applies to non-cash payments and cash withdrawals – 60 days;
• minimum monthly payment – ​​5% of the principal amount, but not less than 300 rubles;
• monthly cash withdrawal limit is no more than 200,000 rubles.

The prepaid card is not intended for cash withdrawals and can only be used to pay for purchases. The following conditions apply to this card:

• issue cost – 99 rubles;
• the total amount of all transactions for a month is no more than 40,000 rubles; after the simplified identification procedure at the bank, you can spend up to 200,000 rubles on purchases;
• the balance of money on the card cannot be more than 15,000 rubles, after simplified identification - 60,000 rubles;
• No commission is charged for transfers from cards of other banks.

The Perekrestok card from Alfa-Bank is very similar in its purpose to. Both the first and second make shopping in retail chains of the same name more profitable.

The Perekrestok and Pyaterochka retail chains are owned by X5 Retail Group.

But compared to the Pyaterochka card, the Perekrestok card does not have a gradation of cashback accrual depending on the amount of the receipt (with the exception of a few supermarkets). Thanks to this, it is easier to calculate points and the card user is not motivated to make purchases for large amounts, which is not always economically feasible.

In general, the Perekrestok card is a profitable payment instrument if used for payments in the retail chain of the same name. A service fee of 490 rubles is partially offset by welcome points, which correspond to a bonus of 200 or 500 rubles, depending on the type of card.

The Alfa-Bank Perekrestok card is a profitable financial instrument if you actively use it and constantly pay at Perekrestok supermarkets or partner stores.

Alexander Babin

Alfa Bank and the largest supermarket chain Perekrestok have launched a loyalty program, with which you can save significantly on your daily purchases.

The Perekrestok trading company is a federal retail chain that became one of the very first urban supermarket chains. Perekrestok is the Russian market leader in sales in the supermarket format. Today the network has 500 retail facilities located in more than 120 cities and towns in Russia.

Alfa Bank gives you the opportunity to make your daily purchases of various goods and services, receive points for this and spend them on purchases at Perekrestok supermarkets.

What types of “Crossroads” cards are there?

Becoming a member of the loyalty program is very easy! You need to apply for a “Perekrestok” card from Alfa-Bank. To do this, leave a request on the bank’s website, or in the Alfa-Click Internet bank. All Perekrestok cards belong to the Mastercard payment system. They are produced in three types:

• Debit
• Credit
• Prepaid

I'll tell you about each in more detail.

Debit card "Perekrestok"

As mentioned above, all cards belong to the Mastercard payment system.

If you are not a client of Alfa-Bank, then to receive a debit card you will need to select a package of services from four offered:

• Economy (Standard service package)
• Optimum (This package of services includes additional income amounting to 7% of the savings account balance)
• Comfort (Priority service, dedicated telephone line)
• Maximum+ (Priority service and personal financial advisor).

The issue of Crossroads cards is free. Annual maintenance, excluding the service package (minimum 89 rubles per month or 959 rubles per year) is 490 rubles. A package of services can be provided free of charge, subject to maintaining a certain account balance.

To receive a Perekrestok debit card, confirmation of your solvency is not required; you simply must be an adult citizen of the Russian Federation.

Advantages and capabilities of a debit card

• When registering a card, 2000 bonuses are awarded as a gift;
• 10 cash withdrawals from the Perekrestok card using ATMs of other banks are provided free of charge;

Credit card "Perekrestok"

The card is issued free of charge, registration of the card is free. Annual service is 490 rubles per year (when applying for a credit card, connecting to a service package is not required)

To obtain a Perekrestok credit card, you must meet several requirements for the borrower, namely:

• Be an adult citizen of the Russian Federation;
• Have a permanent income of 9,000 rubles (for Moscow) and 5,000 rubles (for regions), not taking into account tax deductions;
• Have a contact phone number (mobile or landline at your place of actual residence);
• Have a work phone number for senior management or accounting/HR department;
• The actual place of residence, registration and place of work must be in the city where there is an Alfa-Bank branch, or in a locality close to such a city.

If you meet these requirements, then to issue a credit card you need only two documents: a passport of a citizen of the Russian Federation and an additional document (driver’s license, international passport, SNILS, compulsory medical insurance policy, TIN certificate).

To increase your chances of receiving a loan, you can submit additional documents, a list of which can be found by phone number (8 495 78 888 78 for Moscow, 8 800 20 000 00 for regions) or on the Alfa-Bank website (alfabank.ru).

After considering many factors specified in your application, the bank issues you a credit limit ranging from 10,800 to 300,000 rubles.

This card has more advantages than others, since the loyalty program for this type of card is more profitable, let’s look at the advantages and capabilities of the credit card.

The real benefits of a crossroads credit card

When you register a card, 5,000 bonuses are awarded as a gift;

• 3 points for every 10 rubles spent at Perekrestok;
• 2 points from every 10 rubles spent when paying for any goods and services;
• 7 points from every 10 rubles spent on products from the “Favorite Products” category in Perekrestok;
• Discounts and special offers in the “My Crossroads” application;
• Credit limit up to 300,000 rubles;
• 2 months without interest on the loan for purchases and cash withdrawals;
• The interest rate is from 23.99 percent per annum;
• Pay for purchases at Perekrestok with points.

You are given a cash withdrawal limit of up to 200,000 rubles (if your total credit limit is more than 200,000). The commission for cash withdrawal is 5.9% (but not less than 500 rubles). 60 days to repay the credit limit without interest, after 60 days an interest rate is charged from 23.99% to 38.516% per annum, taking into account all possible payments.

Prepaid card "Perekrestok"

You can purchase such a card at the checkout counters of Perekrestok supermarkets. It is inferior in benefits to debit and credit cards.

Prepaid card features:

• 2 points for every 10 rubles spent at Perekrestok;
• 1 point from every 10 rubles spent when paying for any goods and services;
• 6 points from every 10 rubles spent on products from the “Favorite Products” category in Perekrestok;
• Discounts and special offers in the “My Crossroads” application;
• Free replenishment of the “Perekrestok” card from a card of another bank;
• The amount of all card transactions should not exceed 40,000 rubles per month;
• The card balance should not exceed 15,000 rubles;
• Pay for purchases at Perekrestok with points;
• You can purchase the card at the Perekrestok checkout for 99 rubles.

Above we compared all three types of Perekrestok cards, therefore, we can conclude that issuing a Perekrestok credit card is the most profitable.

How to get a Crossroads card? To do this, you can choose the method that is most suitable for you, namely:

• In the Alfa-Click Internet bank (if you are already a client of Alfa-Bank)
• At any branch of Alfa-Bank

After filling out the application, within two days you will receive a call and/or message about the bank’s decision and you will be told where and when you can pick up the card. When receiving the card, you must have with you the documents that you indicated in the application form. Also in many cities there is free delivery of the card by courier to your home.

How to activate the Crossroads card

The card will need to be activated by calling the phone number indicated on the back of the card and coming up with a four-digit PIN code for it. Activation of the loyalty program is not required, it is activated automatically.

You can control your card transactions in the free Alfa Mobile application for mobile devices, in your personal account on the Alfa Bank website, or by connecting a mobile bank to your phone.

How to top up your card and pay off credit card debt

You can top up your card account or pay off debts in the following ways:

• transfer from other cards or accounts (also cards from other banks);
• at Alfa-Bank ATMs and ATMs of other banks;

You can enable functions that make any purchase more convenient:

• PayPass;
• ApplePay;
• SamsungPay;

A number of more rules for participating in the Perekrestok card loyalty program

If you are already participating in the loyalty program, then when registering, you can simply indicate your “Club Perekrestok” program number and your points will be accumulated on your existing bonus account. Even if you forgot to indicate your program number, you can transfer points to a new number by simply calling the Perekrestok club phone number 8 800 200 95 55.

Welcome points can be obtained within 45 days from the date of issue of the card by making a purchase with it. In case of a refund for a purchase or service, points will not be calculated.

How to find out the number of Crossroads points and when they are awarded

Points are awarded every month depending on the amount you spent on the Perekrestok card. The more often you use the card in everyday life, the more points you receive. The number of points can be checked in the “My Crossroads” mobile application, by phone number 8 800 200 95 55 or in your personal account on the website my.perekrestok.ru/login.

Points are not awarded for cash withdrawals from cards. The same goes for the bank commission on the card, written off in accordance with the current tariffs. In addition, the bank does not award points for transactions made in casinos and sweepstakes; if you bought a bond or a lottery ticket; on transactions made in favor of mutual funds, pawnshops; on transactions with financial organizations; if transactions were carried out to transfer funds to bank accounts/cards, including Alfa-Bank JSC; for transactions related to the transfer of funds to increase the balance of electronic funds, for transactions related to the use of the card for commercial purposes, for transactions made in METRO Cash&Carry, SELGROS Cash&Carry.

If the bank erroneously awarded you points, it has the right to cancel them, as well as change the list of transactions for which points are not awarded.

In other cases, for all your purchases of goods or services you will be awarded points in accordance with the tariff of your card (credit or debit).