Promsyazbank issues more than 8 types of debit cards. And for each of them the owner can receive cashback. But besides cashback, there are other nice bonuses:

• accrual on the balance,
• free service,
• points for purchases in certain categories;
• free withdrawals from ATMs of the bank and its partners;
• free courier delivery to 465 cities in Russia.

The conditions for Promsvyazbank debit cards are presented in the table.

Map type	Service	Additional card service per year	Limits on cash withdrawal monthly/daily	Advantages
Your cashback	· free of charge if the purchase amount or account balance is more than 20 thousand rubles; · 149 rubles if conditions are not met		150 thousand rubles/3000 thousand rubles	· Cashback up to 5% on 3 selected categories; · 5% per annum on the balance; · 1% cashback on all purchases;
"In move"	· Free if the purchase amount is over 5 thousand rubles; · 99 rubles/2 dollars/2 euros, if conditions are not met			· 5% income on balances over 5 thousand rubles; · Possibility to open an account in rubles, dollars and euros.
"Pension" -	No charge	No charge	125 thousand rubles/300 thousand rubles	· Free withdrawal of up to 50 thousand rubles from all ATMs in the country; · 5% per annum on balances over 3,000 rubles; · Cashback 3% in pharmacies and gas stations; · Cashback up to 20% in the Mir affiliate network
"Your PSB"	100 rub. per month	for free	150 thousand rubles/600 thousand rubles	· 2 free debit cards in any currency; · Free money transfers up to 10 thousand rubles
"Your PSB Premium"	700 rub. per month	for free	400 thousand rubles / 1 million rub.	Transactions without commission: · external transfers up to 20 thousand rubles without commission; · cash withdrawal abroad without.
"World map without borders"			300 thousand rubles/600 thousand rubles	· accrual of miles for purchases; · insurance for traveling abroad.
"Good mood"			100 thousand rubles/600 thousand rubles	· 4% charge on the balance if the balance is more than 5,000 rubles.
"All inclusive"			No more than 1 million rubles per month	· free service; · cashback up to 2%; · interest on balance up to 8%.

Tariffs for Promsvyazbank debit cards differ, but still have common features:

• validity period - 4 years;
• all cards can be made into salary cards;
• commission for cash withdrawals from third-party banks - 1%, min. 299 rub.

Only Pension card holders can withdraw up to 50 thousand rubles without commission from any banks

Recipient requirements

Depending on the type of card, different requirements are imposed on its recipient. For example, clients can receive a pension card:

• at the age of 55 years for women and 60 years for men;
• who have no more than 1 year left before reaching retirement age;
• who presented documents confirming their pension category.

The general requirement for all recipients is to be at least 18 years old.

Required documents

• pension certificate or combat veteran certificate;
• a valid military identification card or other official identification. - for citizens aged 35 years and older.

Ordinary pensioners must present a pension certificate or a certificate from the Pension Fund of the Russian Federation on the assignment of a pension.

Online card order

You can order a debit card from Promsvyazbank online in 2 ways:

• in Internet banking;
• on the website by filling out an online form.

You can also leave a request by calling 8 800 333 03 03 or at the bank office. When applying online, you only need a passport. Within 5 minutes after sending the questionnaire completed on the website, the manager will call you back and advise on the product.

On the appointed day, you need to visit the department with your passport and the necessary package of documents. Here you need to sign a loan agreement.

You can receive a ready-made Promsvyazbank debit card at a branch or by courier. He will deliver the card to the address specified in the application: home or work.

Promsvyazbank has every right to boast of a comprehensive line of debit cards. Each client will be able to choose a suitable banking product based on their goals and financial capabilities. We will tell you about the most popular cards for payments and compare the benefits that they provide to their owner.

For customers who regularly use cards to pay for goods and services in the retail and service network and withdraw cash from ATMs, the bank offers 3 products at once:

Karata "All Inclusive"

“All Inclusive” card is an international bank card MasterCard World or Visa Platinum, equipped with a chip. In the line of cards for payments of Promsvyazbank (PSB) this is the highest level card. Account currencies are ruble, dollar and euro.

Advantages of All Inclusive card holders:

• The card is optimal for making payments abroad and paying for goods and services on the Internet.
• Payment for goods and services “in one touch” - using PayPass technology.
• In addition to your main card, you can get 2 additional premium cards for free.
• The interest on the account balance is 5% per annum if the balance exceeds 50 thousand rubles. If the average daily balance has not decreased below 50 thousand rubles for 2 months, for the third month the bank will accrue 10% per annum.
• Cash-back on the card - 5% of the purchase price. Accrued when paying for goods and services from the category chosen by the client (there are 5 categories to choose from: “Fuel”, “Clothing, shoes”, “Supermarkets, restaurants”, “Air” and “Home and repair”).

The bank offers clients a flexible tariff schedule:

• The card maintenance fee can be charged monthly or annually - at the client’s request. The fee for each year of service is 1,500 rubles/50 cu. or 150 RUR/5 USD when paying monthly. If, after the first year from the moment the card is issued, there is a minimum balance in the account of 50 thousand rubles, or the average monthly turnover on the card (not counting cash withdrawals) exceeds 30 thousand rubles, no fee is charged for the second year.
• Cash withdrawals from ATMs of PSB and its partner banks are free if the withdrawal amount exceeds 3 thousand rubles/100 euros/100 dollars, but less than 30 thousand rubles/1 thousand cu, and 1% - if failure to comply with specified conditions.
• The daily limit for cash withdrawal is 300 thousand rubles, if it is exceeded, an additional commission is charged - 2% of the excess amount. Monthly limit – 1 million rubles; it cannot be exceeded.
• SMS notification services, mobile banking and internet banking are provided free of charge.

Profitable Angry Card

The Angry Card line includes named and unnamed cards. You can issue either a personalized international MasterCard Standard card equipped with a chip, or an unnamed instant MasterCard Unembossed card without a chip. Account currencies are ruble, dollar and euro.

Advantages of Angry Card owners:

• Using your personalized Angry Card, you can pay abroad and pay for purchases online. Non-personal cards are more suitable for payments in Russia and making payments on the Internet.
• It is possible to issue additional cards for a personalized card; the cost of servicing each additional card is 350 rubles/12 cu.
• 10% discount in Angry Birds stores: http://shop.angrybirds.ru/
• The interest on the account balance for personalized cards is 8% per annum for daily account balances over 50 thousand rubles. For non-registered cards, the interest on the balance is 4% per annum with a daily account balance of 5 thousand rubles.
• Participation in the PSBonus loyalty programs and the PSB Banking Privilege Program.

Tariff schedule for Angry Card:

• Card maintenance fees are charged annually. For registered cards the fee is 650 rub./25 cu., for non-registered cards - 200 rub./7 cu.
• Cash withdrawals from ATMs of PSB and its partner banks are free.
• The daily limit on cash withdrawals for registered cards is 300 thousand rubles, for non-registered cards - 200 thousand rubles, if it is exceeded (up to 1 million rubles), an additional commission is charged - 2% of the excess amount. Monthly limit – 1.5 million rubles; it cannot be exceeded.
• The “SMS informing” service is provided free of charge for 6 months to owners of registered cards and for 3 months to non-registered cards, then an annual fee of 599 rubles/22 USD is charged; Mobile banking and internet banking are provided free of charge.

Card "Good mood"

“Good Mood” is an international instant-issue Visa Unembossed/MasterCard Unembossed card with a magnetic stripe. The account currency is rubles. There is no provision for issuing additional cards to the account.

Benefits of “Good Mood” card holders:

• “Good Mood” cards are optimal for making payments in Russia and paying for goods and services on the Internet.
• The interest on the account balance is 4% per annum with a daily account balance of 5 thousand rubles.
• Participation in the PSBonus loyalty programs and the PSB Banking Privilege Program.

Tariff schedule for the “Good Mood” card:

• Card maintenance fees are charged annually. For the first year – 299 rubles, for the second and subsequent years – 499 rubles.
• Withdrawing cash from the card at ATMs of PSB and its partner banks is free.
• The daily limit on cash withdrawals for personalized cards is 100 thousand rubles, if it is exceeded, an additional commission is charged - 2% of the excess amount. Monthly limit – 300 thousand rubles; it cannot be exceeded.
• The SMS notification service is provided free of charge for 3 months, then an annual fee of 599 rubles/22 cu is charged; Mobile banking and internet banking are provided free of charge.

Tariffs for non-cash transactions for PSB debit cards

Users of the PSB-Retail Internet bank can make non-cash transfers from their debit cards. The bank has established the following tariffs:

• Non-cash transfer to the account of another card opened at Promsvyazbank is free of charge (limit for one transaction is 100 thousand rubles, monthly limit is 600 thousand rubles).
• Non-cash transfer to cards of international payment systems Visa International or MasterCard of third-party banks by card number - 1.5%, minimum 30 rubles. (limit for one operation - 70 thousand rubles; no more than 4 operations per day; no more than 15 operations in 4 calendar days; monthly limit - 600 thousand rubles).
• Non-cash intra-bank transfer to an individual's account - 0.5% of the amount (minimum 50 rubles, maximum 1,000 rubles).
• Non-cash transfer to accounts opened with third-party banks - 0.5% of the amount (minimum 50 rubles; maximum - 1500 rubles).
• Payment of utilities and payments to the budget is free.

As you can see, the most accessible are the unnamed Angry Card and “Good Mood”, and the limits on transactions for the Angry Card are much higher compared to “Good Mood”. If you plan to use the card only in the Russian Federation, choose between these two cards based on the expected amount of non-cash payments.

Personalized Angry Cards and All Inclusive cards are more secure; they can be used abroad. With Angry Card, the bank charges a higher interest on the account balance, but All Inclusive provides the opportunity to receive cash-back and issue 2 free additional high-level cards. Despite the fact that All Inclusive is much more expensive to operate, for clients who operate large sums, this is most likely the best option.

Promsvyazbank's line of debit cards includes more than 10 card products for different categories of clients, taking into account their hobbies and lifestyle. For example, here you can issue a special card, which will be credited with a bonus in the form of miles to pay for air tickets; greeting or virtual card; plastic with individual design, etc.

However, our attention was drawn to the instant issue card “Good Mood” of the Visa Unembossed/MasterCard Unembossed payment systems. Multifunctional plastic with low maintenance costs, a long validity period (4 years), attractive discounts and a bonus in the form of interest on the balance - perhaps the most affordable and practical PSB offer.

There is no issue fee. First year of service Promsvyazbank debit card“Good mood” is free. Subsequent maintenance will be paid, but its cost is low.

Internet banking when receiving a PSB debit card

Each owner of a plastic card from Promsvyazbank can connect to the PSB-Retail Internet bank for free. You can do this in several ways:

• Write a corresponding application at the bank branch, after which the employee will issue a temporary login and password to enter
• Connect via an ATM and receive a check with a temporary login and password

In any case, the password and login will be valid for 10 days. During this time, the cardholder must log in, authorize and change the login information. Access to the Internet bank is available on the main page of the official website of Promsvyazbank.

In addition, the owner of the plastic card can activate the SMS information service to always stay up to date with the latest transactions on the card.

The commission-free service period is 3 months after the first connection to the service. After this time, SMS information will be paid. It is noteworthy that if the card is reissued before its expiration date or its closure, the funds written off to pay for SMS notifications are not returned to the client.

Transfer to the “Good Mood” card from PSB - where can I find the details?

As a rule, to make a transfer to a plastic card, it is enough to know its number. It is located on the front side and consists of 16 or 18 digits. You can also transfer funds to plastic using the account number to which it is linked. It can be clarified in the Internet bank or on the free hotline for clients - 88005552020. In some cases, you may need a BIC, corr. account, TIN. These details can be viewed on the official website in the “About the Bank” tab.

Interest rate on account balance and other options

The owner of the “Good Mood” card from PSB can accrue interest on the account balance. Cash rewards are accrued monthly, on the first day of the month. In the first month of using the card, accruals are available to all holders. In the second and subsequent periods, interest will be accrued only if the minimum conditions are met. If there are less funds on the card than needed, no interest will be charged.

In addition, there is a privilege program for owners - discounts of up to 50% for non-cash payments for purchases and services from bank partners (Finn Flare, HENDERSON, Mascotte and more than 400 items)

Disadvantages of the PSB debit card

Promsvyazbank debit card“Good mood” is a unique product with a full range of necessary services and additional features. The only disadvantages include the cost of SMS notifications and the need to pay for the whole year at once.

You can also note the high fees for cash withdrawals at Promsvyazbank PVN and third-party terminals/ATMs.

Today, Promsvyazbank is considered one of the largest non-state banks in the Russian Federation. This is a universal credit and financial institution that provides a significant range of banking services to individuals and organizations. One of the main areas of commercial activity of this financial structure is the issue and subsequent servicing of debit cards, which are presented on the market of relevant banking products in a fairly wide range. According to many users, the Promsvyazbank debit card is a very useful financing tool.

Debit bank card: why is it needed?

Through debit cards issued by Promsvyazbank, holders can perform the following everyday tasks:

• withdraw money in cash through ATMs;
• make remote money transfers;
• pay for purchases by cashless transfer;
• conduct online transactions (non-cash financial transactions via the Internet);
• receive bonuses, discounts, cashback upon using this card to make payments;
• receive interest income on the card on the balance.

Bank clients can apply for and receive such a card in two available ways:

• submit an application online, and the finished card will subsequently be delivered by courier;
• visit the office of a banking institution, personally submit an application to an authorized employee, pick up the card after completing all the necessary formalities.

A Promsvyazbank debit card can be ordered through Internet banking or issued during a personal visit to the bank

Card "Good mood"

This debit card is considered the easiest to use and the fastest to issue from the entire set of plastic cards offered by the bank. You can apply for it at a Promsvyazbank branch in just 10 minutes. The front side of this plastic has a colorful and bright design that fully corresponds to the name. This tool allows you to successfully use all the functionality typical for debit cards. Additionally, you can highlight the following card capabilities:

• if the owner maintains an account balance daily at a level exceeding 5 thousand rubles, then an income of 4% will be accrued on the balance;
• bank partners provide the holder with discounts (up to 40%);
• you can use online banking to remotely perform various transactions and monitor the status of your accounts;
• There is an option that allows you to automatically transfer a predetermined amount to your savings account.

The bank regulates the following limits and tariffs for this debit card:

1. The cost of the service is 200 rubles per year.
2. The limit on cash withdrawals is 100 thousand rubles per day.
3. The monthly limit is 300 thousand rubles.
4. Commission for withdrawing money through ATMs of other financial institutions is 1%.
5. If the daily limit is exceeded – 2%.
6. Money transfer to a legal entity – 0.3%.
7. Transfer of funds to an individual – 1%.
8. There is no commission for receiving a transfer in an amount not exceeding 150 thousand rubles.
9. When the holder receives a transfer in an amount exceeding 150 thousand rubles, a commission of 1% is charged.

Promsvyazbank offers different programs for debit cards

Personalized cards from Promsvyazbank

The bank provides clients with the opportunity to issue personalized debit cards, which are characterized by the presence of increased limits. Conditions and tariffs for plastic cards of this type may vary, they depend on the status of the specific instrument. A common feature of all cards in this category is the absence of an annual service fee, provided that the user meets certain requirements. Restrictions on withdrawing funds from a card are differentiated according to the following criteria:

• card type (gold, platinum);
• service package (tariff plan) selected by the consumer.

Debit card GOLD

The client can receive this plastic card by signing up for one of two tariff plans offered by the bank - the PSB package or the PSB Plus package. The application of the PSB tariff has the following features:

• the user receives two GOLD cards (no service fee is charged);
• if the holder makes transfers whose total amount per month does not exceed 10 thousand rubles, he will not have to pay a commission for this service;
• monthly maintenance of this package will cost the consumer 100 rubles.

The client has the opportunity to use the GOLD card and the PSB package for free if at least one of the following three requirements is met:

1. The balance is maintained at a level exceeding 100 thousand rubles.
2. The total amount of payments made with the GOLD card exceeds 30 thousand rubles.
3. The balance amount is more than 30 thousand rubles, the amount of card payments is more than 5 thousand rubles (these conditions must be met simultaneously).

If the user prefers PSB Plus, then the use of the GOLD card will have the following specifics:

• four free plastic cards with GOLD status are provided;
• if the holder makes money transfers totaling 15,000 rubles via online banking per month, then he does not pay a commission in this case;
• the client enjoys a discount on safe rental (20%);
• 0.5% bonus to the funds in the savings account;
• service cost – 300 rubles.

If a client is interested in debit plastic with GOLD status, then PSB Plus will provide him with maximum preferences and the most favorable rates. The consumer can count on no service fees if he strictly adheres to at least one of the three conditions listed below:

• the total amount of payments on the card for the month is more than 30,000 rubles;
• card account balance – more than 500,000 rubles;
• balance – more than 100,000, payments – 15,000 (simultaneously).

Premium debit card

World PayPass Debit Card

World PayPass is provided to the client subject to the use of the PSB Premium tariff plan. The advantages and features of this card are the following:

• you can order 5 cards with free service;
• if the holder makes transfers to other financial institutions in an amount not exceeding 20,000 rubles, then the bank will not charge a commission in this case;
• opening a deposit by the client is accompanied by the addition of 0.5% to the main rate;
• if the consumer travels abroad, he is provided with insurance for 50,000 euros;
• It is possible to withdraw cash abroad;
• if the client is abroad, he can use the emergency cash withdrawal service;
• currency conversion can be carried out at a more favorable rate;
• the user can rent a safe with a 25% discount;
• premium personal service;
• monthly cost – 700 rubles.

A free service can be provided to the client if the mode of use of this plastic meets at least one of three indicators:

• card payments in the amount of more than 115,000 rubles;
• the balance is maintained at a level exceeding 1,000,000 rubles;
• balance – 500,000, payments – more than 20,000 (simultaneously).

Platinum debit card

Plastic of this status has another characteristic name - All Inclusive. This is essentially a target card. Promsvyazbank successfully promotes this privileged class tool, which can be freely used by the user anywhere in the world. As an addition to All Inclusive, the holder can order two premium cards - Visa Platinum and MasterCard World.

Platinum: This plastic card is equipped with the PayPass option, which allows you to make contactless payments and transactions through an ATM.

Online banking and mobile banking services are provided to the client free of charge.

Service and cost:

1. The holder receives a partial refund (5%) paid by card for purchases related to a pre-selected category (for example, restaurants, shops, gas stations).
2. The cost of annual maintenance is 1,500 rubles.
3. If the account balance was regularly maintained by the consumer at a level exceeding 50,000 rubles, then the service fee will not be charged after the end of the first period.
4. The monthly limit on cash withdrawals is a maximum of 1,000,000 rubles.

Platinum debit card

Promsvyazbank cards: how to apply

The issuance of any debit card is initiated by submitting a correctly completed application to the bank. First of all, the applicant must select the most suitable product on the financial institution’s website by opening the appropriate application form, which includes the following data:

• Full name of the applicant;
• Date of Birth;
• client's city of residence;
• region of the client's residence;
• email address;
• contact phone numbers.

After this, the completed application must be submitted online. After some time, the applicant will be called back by an employee of the banking institution who will perform the following tasks:

• clarification of necessary details;
• assistance in determining the most suitable type of card;
• drawing up a complete application (via telephone communication);
• agreeing on the date of receipt (delivery) of plastic.

In a similar way, you can issue a card through a personal visit by the client to the office of a financial institution. You must take your civil passport with you to fill in the relevant information in the application form.

A debit card is designed to store the personal funds of its holder. It is convenient for her to pay for goods and services, as well as make transfers. Some debit products have an overdraft, which is a line of credit. The Promsvyazbank (PSB) bank card store is very large. You can familiarize yourself with their features in this article.

Map overview

Debit plastic acts as an electronic wallet. It’s worth getting it from PSB, because the bank has developed several types of cards with excellent conditions. All cards are suitable for PayPass/payWave contactless payments.

Your cashback

The holder of this card has the opportunity to save when using the card. He will receive 5% cashback on the balance and cashback on purchases in the amount of 3%.

Accumulated points can be converted into rubles and spent on other necessary things.

The following conditions apply to the card:

Athletes and fans of an active lifestyle should pay attention to this product. The card gives you the opportunity to receive financial benefits from your hobby. When making purchases on a sports theme (uniforms, equipment, fitness club or swimming pool services, etc.), the holder will be awarded bonuses according to the scheme 7/5/3/1 points per 100 rubles. In this case, the cost of 1 point is 1 ruble.

The number of bonuses depends on the purchase amount:

The product terms are as follows:

Your PSB

Plastic can be serviced using PSB. However, to do this, one of the following requirements must be met:

• expenses per month - 10,000 rubles;
• account balance - 5,000 rubles monthly + 30,000 rubles;
• The account balance is 100,000 rubles.

The standard cost of service is 100 rubles per month.

Some privileges for the user always remain free:

• payment for services in online banking;
• transfers in the amount of 10,000 rubles to third-party financial organizations;
• program “World of PSB Discounts”;
• PSBonus program;
• cash withdrawal from ATMs of PSB and its partners.

You can open a plastic card not only in national currency, but also in foreign currency. The client can additionally receive 2 more cards.

Your PSB Plus

This product has favorable conditions. A bonus in the amount of 0.5% of the available amount is received monthly on the savings account. Among the features of the card is servicing at the expense of PSB, subject to one of the following conditions:

• monthly expense is 30,000 rubles;
• the balance on the card every month is 15,000 + 100,000 rubles;
• the total account balance is 500,000 rubles.

If the conditions are not met, then the cost of service per month is 300 rubles. This price includes the following privileges:

• opening a card in different currencies;
• online banking and transactions therein;
• transfers in online banking for 15,000 rubles;
• SMS notification and receipt of certificates;
• 20% discount on safe rental.

In addition, the “Your PSB Plus” debit card requires the holder to connect to various bonus programs, including “PSB World of Discounts” and PSBonus.

Your PSB Premium

The card will be useful for those who regularly travel abroad. The following conditions are provided especially for travelers:

• insurance in the amount of 50,000 euros;
• individual currency conversion rate;
• commission-free cash withdrawal abroad.

However, you can use the card profitably in Russia. It belongs to the category of premium products, therefore it guarantees the holder a number of privileges:

• 1% bonus on savings account;
• 5 additional cards;
• premium service operator;
• free transfers to other banks for 20,000 rubles;
• commission-free payments in Internet banking;
• discounts and participation in bonus programs.

The cost of card maintenance is 700 rubles per month. However, it can be free if the user pays with a card for 115,000 rubles every month, the monthly balance is 20,000 rubles + 500,000 rubles, and the total is 1,000,000 rubles.

All Inclusive with individual design

The special thing about the card is that it allows its holder to create the design themselves. A suitable image can be found in the PSB catalog. You can also use a photo of your family, your favorite pet, or yourself. Such original plastic will help you stand out from the crowd and attract everyone's attention.

The holder can save on card maintenance if the minimum balance on it is 50,000 rubles.

Good mood

The plastic has a bright and unique design that will always delight its owner. However, it is worth ordering this particular type of PSB plastic not only because of its bright appearance. It has many other advantages:

• 4% is added monthly to the account balance;
• connection to the discount program “World of PSB Discounts”;
• receiving bonuses under the PSBonus program;
• free internet banking;
• commission-free payment for services in a mobile bank.

“Good mood” is an instant card, that is, you can receive it on the day you apply.

World map without borders

This product is intended for avid travelers. It provides the most favorable conditions for using plastic to pay for tours, purchase tickets, and hotel reservations. For each such transaction, miles are awarded in the amount of 1.5%. For purchases abroad, cashback is 1%. You can convert accumulated miles into rubles through online banking.

When opening a card, each user receives 500 welcome miles.

Cardholders also receive free insurance. It will come in handy if you are on the road or in another country in case of an unforeseen situation. The policy coverage is 50 thousand euros.

Other features of the card are shown in the table:

How to apply and receive?

You can get plastic at any operating PSB branch. To do this, you need to write a document for the selected product and provide an identity document. Typically, plastic production takes 7 days.

You can order plastic online by submitting a request through the website. To do this, you need to fill out the form, indicating your full name and contact information. After 15 minutes, a manager will call you back to the specified number, who will issue a new card and set a time when it can be picked up at the office.

Promsvyazbank has developed a wide range of debit products with favorable conditions and bonuses. Each client will find a suitable option for himself. You can order a card at a bank or on the website.