Discount program

Payment for goods and services in stores, including via the Internet and abroad

24 hour customer support

• bonus program
• Receiving cash from ATMs, bank tellers, and post offices
• Monthly statement with details

More information about the Motsnaya Card discount program

BelinvestbankfirstfrombanksBelarusoffersFor clientscards,participatingin the program "Motsnaya Card".

The Motsnaya Card loyalty program is a new word in the field of marketing on the Belarusian market. This is a coalition loyalty program that includes leading retail enterprises in Belarus and branded retail chains of Belarusian manufacturing enterprises. The program is implemented on the basis of cards of the national payment system BELKART.

You can find out all the information about the size of discounts, the conditions for their provision, about participating enterprises and details of the loyalty program on the special website of the loyalty program - www.bestcard.by and by calling the Contact Center: (+375 29) 311-99-68 ( A1), (+375 33) 359-99-68 (MTS), (+375 17) 336-85-84 (city).

“Motznaya card” - for the stupid people of the world!

More information about the discount Bonus program

Read more about the Coupon as a gift from “Motsnay Kartki!”

New caring service “Coupon as a gift” from “Motsnay Kartki”!

The Motsnaya Card loyalty program has prepared an excellent opportunity to make an original and useful gift and, at the same time, not spend a penny of money!

All Motsnaya Card holders registered on the website www.bestcard.by can not only receive a coupon for a favorable discount from the Motsnaya Card catalog for points, but also give the coupon to loved ones, a friend or colleague!

To make a pleasant and unexpected surprise you just need:

1. Get a discount coupon

2. Go to the “MY ORDERS” section of your personal account, find the selected coupon and click the “GIVE” button

3. Enter your recipient’s email address in the field, write a few welcome words in the cover letter and confirm sending the coupon

In just a few minutes your friend will receive a letter from you with a surprise! Make gifts with Motsnaya Card!

Read more about the Motsnaya Card Charity Program

If you pay “Motsnay Kartka” for your regular purchases at enterprises participating in the “Motsnaya Kartka” charity program, then from each such purchase the participating enterprise or operator of the loyalty program (ProfMarketSystem LLC) transfers at its own expense to the “Motsnay Kartka” charitable foundation » a certain percentage (from 0.3% to 1% of the purchase amount). The funds received by the fund go to pay for the treatment of children with cancer.

In this case, the discount on the “Motsnay Card” at the participating enterprise is retained in full.

Participating companies or the loyalty program operator pay payments to the charitable foundation entirely at their own expense, so this function is free for the card holder.

But every purchase you make becomes truly important and valuable!

Enterprises where funds from each of your purchases are transferred to a charity fund: https://help.bestcard.by/

Motz card: when it’s so easy to help!

Fee for issuing and servicing the BELKARD-PREMIUM-Maestro card during its validity period:
	7 bel. rub. 50 k. when issuing a card at a branch of OJSC Belinvestbank
	6 bel. rub. when issuing a card using the Internet banking/Mobile banking system
Account currency:	BYN
Card expiry date:	5 years
Account interest:	0,01%
Access abroad:	connection in the department for a fee of 5 Belarusian rubles, Internet banking/Mobile banking without charge
Access to the Internet:	connection using the system Internet banking/Mobile banking without charge
How to apply:	Cards (and additional cards to them) can be issued: - in the Internet banking / Mobile banking system - in any division of OJSC Belinvestbank

Commission for cash withdrawal:

at ATMs of OJSC Belinvestbank, OJSC ASB Belarusbank, OJSC "Belagroprombank"	within the account balance
	due to overdraft
at cash dispensing points of OJSC Belinvestbank	within the account balance
	due to overdraft
in other ATMs of resident banks of the Republic of Belarus * the commission of another bank for issuing funds at cash issuance points is not included.	2.5% (minimum 2 BYR) within the account balance
	2.5% (minimum 2 BYR) due to overdraft
by card at cash issuance points of resident banks of the Republic of Belarus* *except for cash issuance points of OJSC Belinvestbank	2.5% (minimum 2 BYR)
by card at ATMs of non-resident banks of the Republic of Belarus	2.5% (minimum 5 BYR)
non-cash payments in trade (service) organizations	0%

Over the past few years, serious work has been carried out in Belarus to transfer all payments to non-cash rails. Previously, it was customary to act with a “stick”, but today in Minsk they presented a “carrot”. Belkart launched a special republican loyalty program “Motsnaya Card”.

According to experts, everything works simply: you come with a new card to a retail outlet that participates in the program, buy goods, and receive a discount. The discount is provided automatically by reading the barcode on the back of the plastic.

- When forming the concept of building our loyalty program, we took into account both global experience and national characteristics of the retail market and payment ecosystem,- says Belkart director Alexander Sotnikov. - The pool of trading enterprises is formed in such a way that the program includes representatives of each developed segment of the Belarusian trade and services market. At the same time, Belarusian brands enjoy certain preferences. The key difference between our loyalty program is the fact that the main audience is salary card holders. This is a fairly serious entry into the market, because we will provide “Motsny cards” according to a knurled pattern and a large number of holders. The second point is that this card combines a discount and bonus system.

“Motsnaya Card,” according to Sotnikov, is a multi-bank and multi-brand program. Any Belarusian banks and trade organizations can join it. The program will work only within the national payment system. Within the framework of a co-branded card (for example, Belkart-Maestro, like Belinvestbank, which was the first to join the program), discounts and bonuses will also work.

As of November 5, 17 players were involved in Motsnay Kart. Among them are Axis, Apteka Group, Belorusneft, Belwest, Buslik, Vitalur, GUM, Kravt, Lode, Mila, Oma, Rodnaya Storona, Lescal ", "Westerly". The current list and amounts of discounts can be viewed on the loyalty program website www.bestcard.by. Other large retail chains are expected to join in the near future. The plans, according to representatives of ProfMarketSystem (the developer of the program), include the development of functionality and new services, including “the use of mobile devices and social networks to receive discounts.”

A bonus program will be launched in December. For every 100,000 rubles spent, you will be awarded a point, and then the points can be exchanged for discounts.

Deputy Chairman of the National Bank Sergei Dubkov spoke about some innovations. In Belarus, it is planned to make it mandatory to activate the SMS notification service for payment card holders (you can refuse the service if you wish). But the paper check card, which is now issued in stores, will no longer be mandatory. Banks will also be required to comply with the principle of zero liability for plastic owners.

February 1, 2016 4120

Our project “Upgrade your Motsnaya Card” has reached the point beyond which it is customary to spend bonus points. But what can you do if they suddenly take it and accumulate it? :) So we instructed the correspondents to check - is it really possible to buy something not for real money, but for abstract bonuses?

So far, only our Guest from sunny Khayastan has responded. That's his word. Good afternoon, dear readers!

As promised, today I will describe my experience of purchasing goods in Motsnai Kartki partner stores. After all, having accumulated a significant amount of points, you need to use them.

I’ll say right away that figuring out what and how was quite simple! There are points. They offer discounts. But mainly it concerns food delivery. But I wanted something inedible.

After looking through the entire list of partners (it is quite impressive), I chose the gift store. Moreover, I had a long-standing dream - to try out a thermal mug.

Don't let my nickname mislead you. Even though I call myself “ Guest from sunny Khayastan“, but I didn’t “come down from the mountains” yesterday. In a word, I follow the progress and innovations in technology. But such an invention as a thermal mug passed me by.

So I decided to test this hitherto unknown know-how.

Having received the purchase code, I wrote it down in my notebook.

And here it is, the first discovery!

I had barely placed my order when my phone rang. I couldn’t even think that this call was related to my order.

After that, the stranger introduced himself and said that he was from Motsnai Karta. I also asked if the online store had called me yet.

Explaining that not even five minutes had passed since placing the order, I answered in the negative.

The stern voice of the Motsnaya Karta representative grumbled that the order was being processed for too long, apologized for his colleagues and promised to hurry up the gift shop. I'll be honest: “I have never seen such service anywhere!”

I caught myself thinking that this kind of service is probably what distinguishes a quality service from an ordinary one. And our people are built in such a way that they are even willing to overpay for quality service. After all, not only do I receive goods at a discount, but also entire divisions of large companies improve their already high-quality service :)

A maximum of 10 minutes passed and my phone rang again. This time, a pleasant female voice clarified my details, whether I ordered a thermal mug and the time when it would be convenient for me to accept the order. Then for several minutes we tried to find the most optimal option for me to meet the courier. To be honest, there were enough of these options, but I wanted to prolong the situation a little in which you feel that you are a CLIENT who is always right and valuable to the seller.

But, unfortunately, certain agreements were gradually reached :) We planned a meeting with the courier for the evening.

After about 30 minutes, a stern, but fair, male voice sounded again in the handset of my mobile phone. He asked if they had contacted me about the delivery of the goods, and whether I was satisfied with everything in the conversation with the seller. At the end, apologizing for the fact that it took so long to process the application, the voice wished me a pleasant evening and said goodbye.

In the evening, after the courier brought me a thermal mug, I was able to begin diagnosing this wonderful invention. I must note that a very intelligent person came up with it :)

The essence of the project is that upon payment the bearer of the Motsnay Kartki» can receive a discount on a purchased product or a bonus, which can later be exchanged for a real discount.

There are two ways to earn money, although it would be more accurate to say “save” using “Motsnai Kartkai”:

1. Discount program;
2. Bonus program.

Discount program - these are purchases in partner stores of the Motsnaya Kart loyalty program. Each Motsnai Card holder is given a discount upon purchase: for a specific product or the total amount of the receipt. Note that it is not necessary to pay exactly “Motsnai Kartkai”, you can simply present it.

The bonus program is valid at all retail outlets that accept payment by bank card. For each “Motsnai Kartkai” payment, a bonus is credited to the owner’s personal account - 1 point for 10 BYN. Then these points can be exchanged for real discounts from loyalty program participants.

In addition to supporting the discount system, the Motsnaya Card offers all the usual features of a bank card. With its help you can:

• pay in stores and online services:
• connect Internet and SMS banking services;
• transfer and withdraw salaries and other payments;
• get a loan or overdraft;
• carry out other operations usual for a bank card.

On the official website of OJSC "Belinvestbank" http://www.belinvestbank.by in the section "Individuals", subsections - "Payment cards", "For purchases and travel" you can find the product - BELKART-PREMIUM-Maestro “Motsnaya card”.

Belinvestbank offers to pay for the Motsnaya Card service at the same rates as for other cards.

Mots card of Belinvestbank. List of stores. Discount and Bonus program

The “Motsnaya Card” discount program is valid when the card holder makes payments to companies participating in the loyalty program. Their list continues to grow. We have already discussed the differences between the discount program and the bonus program. Ultimately, a real discount can only be obtained from loyalty program participants. But here some nuances should be taken into account:

The amount of discounts on a product (goods or service) is determined by the selling company. It’s better to find out about this in advance on the website www.bestcard.by. In the “Motsnay Card Discounts” section there is a list of partners, very conveniently divided by city and industry.

It’s worth talking about partner stores separately. They were not particularly evenly distributed across sales areas.

The size of the discount depends on the trade organization and can be provided in the amount of 3, 5, 7, 10, 20%:

• Online stores
• Products and manufactured goods
• Construction and home goods
• Clothing, shoes and accessories
• Cosmetics and perfumes
• Auto, gas station and service

Most of them are sellers of clothing and shoes. Discounts in this category can reach 20%.

The program has many partners in the construction industry. In the category you can find famous stores and get nice discounts.

There are also online stores on the list, including quite well-known ones.

Receiving discounts under the bonus program is more difficult than simply presenting a card. To do this, you will have to register on the portal www.bestcard.by, log into your personal account, monitor the accrued bonuses (points), and exchange them for discount coupons. But the very idea of ​​receiving discounts in some stores for purchases in others seems very interesting.

Mots card of Belinvestbank. Application practice

It’s easy to get OJSC Belinvestbank. You need to either write a statement about this in one of them (it’s better for inexperienced clients to do so), or fill out a request on the website http://www.belinvestbank.by. At the branch, ordering a card will cost 7 rubles 50 kopecks “new”, on the website - 6 rubles. If the “Motsnaya Card” is issued as a salary card, then you do not need to pay for its issuance.

Before applying for a card, it makes sense to get acquainted with the Public Offer Agreement; all the rules for further relations with the Motsnaya Card service are spelled out there. The text can be found on the website www.bestcard.by, “button” at the bottom of the page. The Offer names the operator of the Motsnaya Kartka system - ProfMarketSystem LLC.

The Agreement warns clients in advance that the size and conditions of discounts are determined by the sellers. They also warn, strictly and repeatedly, about the inadmissibility of violations and abuses of the rules and other dishonest actions of the card owner. Warn about the possibility of changes in the terms of the contract and the client’s obligation to independently monitor such changes.

The offer indicates in advance a list of transactions to which discounts and bonuses will not apply. This:

• all account replenishment and cash withdrawal operations;
• loan transactions;
• payment of utilities and other payments through ERIP;
• transfers to another card, account, mobile wallet;
• payments abroad;
• operations related to the gambling business, incl. lotteries.

Belinvestbank OJSC and ProfMarketSystem LLC do not interfere in relations between the seller and the buyer not related to the implementation of the Loyalty Program.

After carefully reading the Offer, hopes for a “freebie” noticeably dim (they will completely disappear later, during purchases), but there is no catch in the conditions.

Things are much more interesting with the program partners. Typically, advertising reports the maximum possible discounts, but does not say anything about which specific products these discounts apply to. It is also customary to remain modestly silent about other obstacles and restrictions.

Can the Motz Card be considered a profitable service? When purchasing a promotional product with a card, the winnings are obvious. Taking into account the bonus program - even more so. But you can only evaluate the real benefit yourself by comparing specific amounts.

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