01.02.2021

Mastercard rewards bonus program in Russian banks. Types of Oschadbank cards


MasterCard Electronic

MasterCard Electronic is a publicly available debit card for payment MasterCard systems. This card is one of the most common in the world. Using this card, you can get cash at ATMs or pay for goods and services in retail and service networks around the world where the MasterCard logo is located. It is also possible to issue a non-personalized MasterCard Electronic card, which will allow you to save time and avoid visiting the bank.

MasterCard Standard

MasterСard Standard card is the most popular credit card payment system MasterCard. This is a full-fledged credit card for middle class people who have a stable income. With this card you can withdraw cash from ATMs in favorable conditions or pay for goods and services in the trade and service network around the world, where there is a MasterCard logo, quickly and without significant costs, book airline tickets, cars, hotel rooms, receive discounts at travel agencies and airlines, and also carry out card transactions on the Internet.

MasterCard Debit Standard

MasterCard Debit Standard card is special offer from the MasterCard company, which allows Ukrainian holders of Debit MasterCard payment cards to withdraw cash from ATMs of any Ukrainian banks on favorable terms (with minimum commission) and enjoy all the benefits of an international payment card. It is also possible to issue a non-personalized MasterCard Debit Standard card, which will save time and avoid visiting the bank.

MasterCard Debit Arsenal

MasterCard Debit Arsenal card is an exclusive card of Oschadbank, designed specifically for paying pensions to military pensioners. At the same time, this card has all the properties of an international payment card, that is, it can be used to receive cash at ATMs and cash points around the world and pay for goods and services. The undoubted advantage of this card is that cash withdrawals from ATMs of Ukrainian banks are carried out without commission.

MasterCard Debit Pension

MasterCard Debit Pension card is a card designed specifically for paying pensions. The card contains all the advantages of an international payment card; it can be used to receive cash from ATMs and cash points around the world and pay for goods and services. The undoubted advantage of this card is that cash withdrawals from ATMs of Ukrainian banks are carried out without commission.

MasterCard Gold

MasterCard Gold from Oschadbank is an international payment card that is one of the most popular premium cards.

Holders of MasterCard Gold cards from Oschadbank receive up to 25% discount on purchases in stores, hotels, restaurants of the MasterCard program MORE promotions

Abroad, MasterCard Gold holders can expect an unforgettable shopping experience from Oschadbank. Most popular in Paris shopping mall Le Printemps offers a 10% discount with your card.

Holder MasterCard cards Gold from Oschadbank can receive the status of a member of the HERTZ, AVIS (car rental) clubs and enjoy discounts and bonuses from leading international companies.

While abroad and having lost the card, a MasterCard Gold holder can contact the global customer support service MasterCard Global Service, which will ensure urgent issuance of the card or carry out urgent cash withdrawal.

"Concierge service"

MasterCard Debit Gold

MasterCard Debit Gold from Oschadbank - international payment card, which has the same benefits and bonuses, and the MasterCard Gold card.

Additionally, MasterCard Debit Gold holders have a special privilege - receiving cash from ATMs of any bank in Ukraine without commissions.

MasterCard Platinum

MasterCard Platinum from Oschadbank is a premium payment card that provides a number of unique advantages and offers available both in Ukraine and abroad.

This payment card has an increased level of security thanks to a built-in chip module, and is also equipped with a PayPass contactless chip, which allows you to quickly and safely pay in the retail and service network. To make instant payment for goods, you just need to bring your card to a terminal device equipped with contactless technology.

Holders of MasterCard Platinum cards from Oschadbank receive up to 25% discount on purchases in stores, hotels, restaurants of the MasterCard MORE program in Ukraine and abroad and take part in many special promotions for holders of premium MasterCard cards.

The holder of a MasterCard Platinum card from Oschadbank can receive the status of a member of the HERTZ, AVIS (car rental) clubs and enjoy discounts and bonuses from leading international companies.

An exclusive offer from Oschadbank is free connection to the service "Concierge service"— a 24-hour reference and information service on a wide range of issues that cover the areas of recreation, travel, transport, health, and the like.

MasterCard Platinum service package from Oschadbank includes free card issuance Priority Pass, which provides access to more than 700 airport lounges around the world. In addition, the holder of a MasterCard Platinum card from Oschadbank has the opportunity for free visit the MasterCard Lounge business lounges for international and domestic flights, which are located in terminal D of the Boryspil International Airport and spend time in comfort while waiting for your flight.

While abroad and having lost the card, a MasterCard Platinum holder can contact the global customer support service MasterCard Global Service, which will ensure urgent issue of the card or carry out urgent cash withdrawal.

MasterCard Debit Platinum

The card has the same advantages as the MasterCard Platinum card, as well as the privilege of receiving cash from ATMs of any bank in Ukraine without commissions.

Oschadbank offers MasterCard holder Platinum and MasterCard Debit Platinum individual tariffs for related banking products, a personal manager and a separate line of communication with Contact Center operators.

MasterCard World Elite

MasterCard World Elite is the most prestigious payment card in the Oschadbank line. MasterCard World Elite is a payment card for the most demanding clients, which provides benefits from the bank, payment system and partner companies, providing its holder with a wide range of additional options.

The payment card has an increased level of security thanks to the built-in chip module.

The card is also equipped with a PayPass contactless chip, which allows you to quickly and safely pay in the retail and service network. To make an instant payment for goods, you just need to bring the card to the terminal screen.

For MasterCard World Elite card holders there are discounts of up to 30% on purchases in stores, hotels, restaurants of the MasterCard MORE program in Ukraine and abroad, as well as special promotions for holders of premium MasterCard cards.

Abroad, MasterCard Platinum holders can expect an unforgettable shopping experience from Oschadbank. The most popular shopping center in Paris, Le Printemps, offers a 10% discount with your card.

The holder of a MasterCard World Elite card from Oschadbank can receive the status of a member of the HERTZ, AVIS (car rental) clubs and enjoy discounts and bonuses from leading international companies.

The MasterCard World Elite service package from Oschadbank includes free issuance of a Priority Pass card, which will provide access to more than 700 lounge areas of airports around the world. In addition, the holder of a MasterCard Platinum card from Oschadbank has the opportunity to freely visit the MasterCard Lounge business lounges for international and domestic flights, located in terminal D of the Boryspil International Airport, and spend time in comfort while waiting for the flight.

An exclusive offer from Oschadbank is a free connection to the “Concierge Service” service - a 24-hour reference and information service on a wide range of issues that cover the areas of recreation, travel, transport, health, and the like.

While abroad and having lost the card, a MasterCard World Elite holder can contact the global customer support of MasterCard Global Service, which will ensure urgent issuance of the card or carry out urgent cash withdrawal.

Oschadbank offers MasterCard World Elite holders individual tariffs for related banking products, a personal manager and a separate line of communication with Contact Center operators.

Visa Electron

One of the most popular international payment cards in the world VISA systems. A generally accessible debit card for all customers, regardless of their income level. Using this card, you can receive cash from ATMs or pay for goods and services in retail and service networks around the world in places where the VISA logo is located. It is also possible to issue non-personalized Visa cards Electron Instant, which will save time and avoid visiting the bank.

Visa Classic

Visa Classic cards begin the range of Oschadbank credit cards. This is a full-fledged credit card for middle class people who have a stable income. Cards are accepted for payment for goods and services all over the world, where the VISA logo is located, as well as in Internet stores and when paying for goods and services by mail. With this card you can get cash from ATMs and cash points all over the world.

Visa Classic Domestic

The card replenishes the range of Oschadbank credit cards. This is a full-fledged credit card for middle class people who have a stable income. The card can only be used on the territory of Ukraine. It is accepted for payment for goods and services throughout Ukraine, where the VISA logo is located. With this card you can get cash from ATMs and cash points.

Visa Gold from Oschadbank - a premium international payment card for new opportunities and experiences.

Holders of Visa Gold cards from Oschadbank receive discounts in the network of program partners “A world of privilege. VISA" in Ukraine and abroad, participate in many special promotions for Visa card holders.

Under the Chic Outlet Shopping Villages program, represented by nine centers selling branded clothing in Western Europe, holders of Visa Gold cards from Oschadbank receive an additional 10% discount on the cost of purchases and up to a 50% discount on transfer services.

Under the exclusive terms of the program for travelers with a premium Visa card on HotelClub.com, Oschadbank clients relax in the best hotels in the world at special prices. If your Visa Gold card is lost abroad, Visa's global customer service team will ensure immediate card issuance or cash issuance. Also available to Visa Gold holders who are abroad are 24/7 customer support, legal and medical advice from Visa support specialists.

As part of the “Seven Premium Benefits with Visa Gold from Oschadbank” campaign, holders of Visa Gold cards from Oschadbank are provided with a free connection to the “Concierge Service” service - a 24-hour reference and information service on a wide range of issues that cover the areas of recreation, travel, transport, health and etc., as well as free registration of a Priority Pass card, which will provide access to more than 700 lobby areas of airports around the world.

Visa Platinum from Oschadbank is a premium international payment card that will favorably emphasize your status and provide even more privileges and benefits.

This payment card has an increased level of security thanks to the built-in chip module.

Holders of Visa Platinum cards from Oschadbank receive discounts in the network of partners of the “World of Privilege” program. VISA" in Ukraine and abroad, participate in many special promotions for holders of premium Visa cards, relax on special offers from the best hotels in the world under the travel programs HotelClub and Visa Luxury Hotel Collection.

The Visa Platinum package of services from Oschadbank includes free issuance of a Priority Pass card, which will provide access to more than 700 lobby areas of airports around the world. Also an exclusive offer is a free connection to the “concierge service” service - a 24-hour reference and information service on a wide range of issues that cover the areas of recreation, travel, transport, health, and the like.

Under the Chic Outlet Shopping Villages program, represented by nine centers selling branded clothing in Western Europe, holders of Visa Platinum cards from Oschadbank receive an additional 10% discount on the cost of purchases and up to 50% discount on transfer services.

Purchases by Oschadbank Visa Platinum cardholders may be included in special insurance programs“Purchase Protection” (refund of the cost of goods in case of theft in Ukraine and abroad) and “Extended Warranty” (additional 24 months before the warranty period of goods paid for with a Visa Platinum card).

When preparing to travel by plane, a Visa Platinum holder from Oschadbank can order the service of expedited procedures at almost 300 airports around the world under the AirportSpeedPass program.

While abroad and having lost the card, the holder of a Visa Platinum card from Oschadbank can contact Visa's global customer support service, which will ensure urgent issuance of the card or carry out urgent cash withdrawal. Also available to Visa Platinum holders who are abroad are 24-hour customer support, legal and medical advice from specialists. For telephone calls from within Ukraine and abroad, the Oschadbank Contact Center for Visa Platinum cardholders operates a separate line of communication with operators around the clock.

As part of the “Seven premium benefits with Visa Gold from Oschadbank” campaign, holders of Visa Platinum cards from Oschadbank are provided with a free connection to the “Concierge Service” service - a 24-hour reference and information service on a wide range of issues that cover the areas of recreation, travel, transport, health and etc., as well as free registration of a Priority Pass card, which will provide access to more than 700 lobby areas of airports around the world.

MasterCard Rewards is a program for holders of MasterCard IPS plastic cards, which provides for accrual bonus points. Committing non-cash payments worldwide, the participant receives special points to his bonus account, which can be exchanged for prizes presented in the program catalog.

You can also order goods from the catalog by telephone. To spend points, you need to select the logo of your bank on the program portal - the telephone number for contact will be posted on its website. When you order an offer, points are debited from your account (redeemed) in chronological order.

Rewards for program participants are presented in the following categories:

  • beauty and health- gifts and gift cards sports stores, magazine subscriptions;
  • Trips- leisure goods, accessories, video equipment, travel certificates;
  • Leisure and hobbies- game sets and consoles, phones, books;
  • The world of childhood- DVDs with cartoons, games, accessories for children, magazines, gift cards;
  • Cooking- dishes and kitchen utensils, cookbooks, appliances, gastronomic tours;
  • Home and interior- music CDs and DVDs, decorative items, home appliances, gift cards.

It is worth remembering that the selected offer cannot be exchanged. Also cannot be received instead of a gift monetary reward. The delivery time for the order is 30 days from the moment it is placed.

Bonus points are valid for 3 years from the date of their accrual. Unused ones are canceled on a monthly basis.

Banks participating in the program

Svyaznoy Bank currently participates in the program. By applying for a World MasterCard credit card here, clients become participants in the MasterCard Rewards program and can accumulate bonus points. It is expected that other banks will join soon.

For clients who have received or plan to receive payment cards from Oschadbank, the bank offers the opportunity to take part in a bonus program with MasterCard.

  • 1 How to earn money from MasterCard Rewards
  • 2 How to register for the bonus program
  • 3 What can be withdrawn for accumulated points and how to exchange them

Zmist

How to earn money from MasterCard Rewards

This program allows you to withdraw and accumulate points when performing an unprepared operation (using a card at retail outlets or paying on the Internet). MasterCard Rewards allows you to exchange accumulated points for various gifts.

In order to start accumulating points, you do not need to change your daily bets.

To get started, remove enough:

Points will only be charged for purchases in shopping malls and online shopping malls. If you choose web banking from Oschadbank, for making transfers, updating game accounts, paying for insurance, bonuses will not be charged.

How to register for the bonus program


In order to register in a special account of the bonus program site, you only need to log in to the Loyaltygateway site. Where you need to go through identification, for which it is enough to indicate the number of your card account sent to Oschadbank and the date of birth. After that, registration in MasterCard Rewards will be successfully completed, and you will be able to log into your special account.

Here you can see what gifts you can get and how many points you need to earn points for.

What can you withdraw from accumulated points and how can they be exchanged?

For withdrawing and accumulating points earlier, you can withdraw gifts from the following categories:

Details for the reward for those gifts that you have been linked to can be found on the partner’s website or in a special account after registration.

This offer is only available for World Mastercard Debit cards Mastercard World, and also for the citizens of Ukrzaliznytsia to pay their salaries to Oschadbank.

Exciting travel and gastronomic tours, perfumes from an online store, visiting a cafe - all this is possible with the help of MasterCard Rewards, where for each cashless payment the program participant receives points and can exchange them for gifts.

Every time there are new exclusive offers and a variety of privileges provided for clients - distinguishing feature MasterCard company, which is confirmed by the recent launch of another program for users of its plastic payment cards, which is known as the “MasterCard bonus program”. When making non-cash payments not only in the country of residence of the plastic card user, but also in any other country in the world, this program credits the program participant with certain reward points to a special bonus account that can be exchanged for gifts.

An extensive list of prizes ranging from travel, gastronomic tours of various regions and countries, entertainment and visits to cultural events to beauty salons, sports, culinary products, perfumes, home furnishings, which can be selected and received in exchange for bonuses, is presented in the catalog programs.

How to get into the program?

To become a member of the free bonus program, you need to be a user of a MasterCard plastic card to make non-cash payments, which is issued by one of the partner banks of this prize program.

Information about those participating in the program banking institutions available on the company’s portal, as well as in bank branches that serve MasterCard users.

As for registration to participate in the bonus program, as already mentioned, it is absolutely free and can be done upon the client’s agreement with the rules and conditions of the program and confirmation from the card issuing bank that the participant is indeed its owner. After registration, the client becomes a full participant in the bonus program and gets the opportunity to accumulate points accrued for financial operations using the card and redeeming these reward points.

How to become a MasterCard user?

Let's consider the procedure for issuing a plastic non-cash card using the example of Oschadbank, a card issuer international system MasterCard payments. This procedure is no different from issuing these cards in other banks.

To open an account and issue this plastic card at Oschadbank, you must contact any branch financial institution, where you need to provide your passport, a certificate of availability of an indication code and fill out a certain package of bank documents.

The plastic card is issued to the client free of charge.

The tariff package called “MasterCard Standard” is ideal for making both local and international payments. At the same time, a personal card makes it possible to protect money from possible theft and loss, with full control over payments. In addition, payment for purchases and services using the card is carried out without commission fees, and the client also has the opportunity to receive discounts and bonuses when paying bills online.

How to accumulate bonuses? Features of awarding reward points

Award points are awarded to a special account of the program participant when he pays using both the main and additional card non-cash invoices for goods and services received. Moreover, the bank that is the issuer of this plastic card, determines the number of reward points for a certain amount payment. For example, a participant in the Oschadbank MasterCard Rewards program receives one point for every 10 UAH. non-cash payment.

Some banks participating in the prize program award a so-called welcome bonus of 300 points to stimulate customers.

However, please note that not all financial transactions automatically accrue reward points. The list of transactions for which bonuses are not awarded looks like this:

  • for cash withdrawals;
  • for financial transactions related to gambling;
  • for accrual of interest;
  • for money transfers between different accounts;
  • for various commissions and tax payments;
  • for the purchase of both traveler's checks and check books.

The automatic accrual of reward points under the terms of the bonus program occurs only after payment for any purchase or purchase. However, there are some nuances in accruing points for payments made abroad. In such cases, the accrual of reward points may occur with a significant time delay, which sometimes lasts up to 5 weeks. Which is associated with strict multi-level security control of the electronic financial system.

To find out about the number of accumulated reward points for MasterCard Rewards, you must log in to the bonus program website or on the portal of the bank that serves the participant in the section dedicated to this reward program.

How are reward points redeemed? Features of exchanging bonuses for prizes

Reward points accumulated in the process of making payments can be exchanged for goods and services offered by program partners, which can be viewed on the user’s personal page on the issuing bank’s website or in the participant’s personal account on the portal of this program. At the same time, the participant can independently decide on the choice of gifts in the form of goods and services that best suit his tastes, which are presented in a special catalog of the bonus program.

In addition to electronic communication to order the selected purchase, it is possible to do this by telephone. The corresponding contact information is available on the websites and portals of the prize program partners.

The process of redeeming reward points is very simple and accessible to every participant. To do this, on the bonus program portal, you should select the logo of the servicing bank and enter the catalog of prizes offered by the bank, make a choice and order the selected gift item. In this case, reward points are written off from the participant’s account in the chronological order of their accumulation.

The program gift catalog includes the following sections:

  • trips. Here are travel certificates, accessories and products for various types recreation, as well as samples of video equipment;
  • leisure and hobbies. This section has a wide variety of books, phones, game consoles and game sets;
  • beauty and health. Sports prizes, gift cards from sports stores, certificates from fitness clubs, beauty salons, subscriptions to sports and fashion magazines, gift sets from prestigious perfume boutiques, etc.;
  • the world of childhood. Children's games, CDs with various cartoons, accessories designed for children, colorful children's magazines, as well as cards for gifts from children's stores;
  • house and interior. Here big choice household appliances, items for decorating rooms, gift cards from various stores, music and video discs, etc.;
  • cooking. For those who like to manage the kitchen, there is a wide variety of kitchen utensils and appliances, dishes, culinary literature, as well as certificates for gastronomic tours.

Nuances when redeeming reward points:

  • the selected gift cannot be replaced with any other prize. Therefore, you need to choose gifts carefully;
  • can't be obtained monetary compensation instead of a gift;
  • The delivery time for the selected gift is about 30 days. Therefore, if you choose a gift for any event or significant event, you need to do it at least a month in advance;
  • The validity period of bonus points is three years from the time they were accrued. The period of their accumulation should not be delayed too long. The cancellation process for reward points occurs monthly after the expiration three-year term actions.

As for the partner banks of the prize program, those banks whose logos are present on the portal of this program participate in it. At the same time, their number is growing, as they say, day by day, just as the number of participants in this program from among the client audience of these banks is growing.

When purchasing goods or services on the Internet, few people know that you can save additional money not only using cashback services, but also when using International Payment Systems (IPS) - MasterCard or Visa.

With the coming financial crisis It's becoming increasingly difficult to shop online, and everyone without exception is thinking about saving money. MasterCard Rewards can help you save on purchases not only online, but offline.

How it works?
Unlike cashback services, you do not need to make your purchases using special links or go to a cashback site in order for your purchase to be credited.
It is enough to pay for your purchases with a MasterCard or Visa card, which has the option “Bonuses”, “Miles”, “Points” or “Rewards”.

In order to receive bonuses, which can then be exchanged for certificates, gifts, trips, SPA, gasoline - you just need to pay with your card on the Internet, in a store, at a gas station. Bonuses\points will be automatically credited to your account.

Is it possible to combine cashback and Mastercard rewards?
Yes, of course you can.

Ukraine

In Ukraine, there is a program from the MasterCard IPS called Rewards in which 6 banks participate: Privatbank, OTPbank, Raiffeisen (aka Aval), UkrGazBank, Credit Agricol and Oschadbank.


In order to connect to the bonus program, you need to come to the bank and apply for a card that participates in this program.

How many points are awarded and for what?
There are three main “tariffs” for calculating bonuses.

  • — For every 10 hryvnia spent in Ukraine you will be awarded 1 point
  • — For every 20 hryvnia spent in Ukraine you will be awarded 1 point
  • — For every 5 hryvnia spent on the Internet (on foreign sites) you will be awarded 1 point.

Naturally, the most profitable program is 1 point for every 5 hryvnia spent.

Let's look at the procedure using the example of the universally hated bank PrivatBank.
* To view information about the advantages and disadvantages of the card, disable ad blocking (AdBlock, AdMuncher, etc.*) and reload the F5 page

There are several cards that are worth applying for to participate in the program (from the cheapest to the most expensive) or combining their use to get maximum savings:



Card activation

After you receive the card you must activate it. The best way to do this is by calling hotline MasterCard Rewards 0800301120, and also go to yours. Points will not be credited to a non-activated card!

Is it possible to consolidate your relatives' points with yours?
Yes, you can. To do this, you need to call the hotline 0-800-30-11-20.

— How much does it cost and what can you take with the points you receive?
fuel and lubricant certificates, replenishment of mobile accounts, certificates for purchases at Comfy, trips, flights, Amazon Kindle, Apple MacBook Air, booking hotels and spa salons.
Approximate prices:





When you log into your account on the rewards website, I strongly recommend checking your email and phone number, if you have one.


Privatbank employees can kindly add their data instead of yours, which is exactly what happened.

Do points expire?
Yes, they expire after 3 years. In 3 years you can accumulate a very decent amount!

How many points did you earn in a month?




Neither more nor less - 20,504 points, which approximately equals ~ 2,050 hryvnia, which can be spent on fuel and lubricants, Comfi certificates, or you can buy an Amazon Kindle 6 for 22,000 points.

An analogue of Mastercard Rewards from Bank Aval \ Raiffaizen - a package of services (more details about the tariff), will be especially interesting for those who often travel abroad:

  • 1. The most important advantage of this package of services is INTEREST-FREE replenishment and withdrawal of cash from ATMs in Ukraine and abroad (+1% for currency conversion)! There is no commission at all! Forget about finding an Avalevsky ATM.
    * (first 3 transactions during the calendar month without payment in total)
  • 2. Participation in the SmartSky loyalty program - accumulating miles for payments with a Visa Premium card and exchanging them for air tickets, travel, certificates for fine restaurants, luxury stores and other valuable gifts.

Points are accumulated according to the following scheme:

— 1 mile for every 10 hryvnia spent — for paying for daily purchases with a Visa Premium card from Raiffeisen Bank Aval.

— 2 miles for every 10 hryvnia spent — when purchasing air tickets on the SmartSky website.

— 7 miles for every 10 hryvnia spent — when ordering tourist trips from Program partners.

— 500 miles for your first purchase!

  • 3. Personal service in comfortable Premium areas. (there are not so many zones outside of Kiev... For example, in the Dnepropetrovsk region there are only THREE of them and all in Dnepropetrovsk. But where they are, it is very convenient. No need to stand in lines.). Convenient only for those who live in big cities.
  • 4. Club Priority card Pass - access to more than 700 comfortable lounges at international airports around the world. Awesome thing. Since I fly often, I use it all the time. For the card holder, visiting the business lounges is free.
    Entrance for an accompanying person is 800g, but you don’t have to pay this amount.
    LIFE HACK: In Boryspil, go to the MasterCard Lounge, go through PriorityPass yourself, and show your friend through Mastercard Platinum. As a result, both pass for free.
  • 5. “Concierge Service” service - round-the-clock personal assistance in fulfilling everyday and business requests (ticket bookings, hotel reservations, visa support, reference Information and etc.). Quite a convenient thing. They can book you tickets anywhere (the amount can be debited from your card). They can do it for you in advance online registration on the plane. Wake-Up Call. They try to answer stupid questions like “weather forecast in Berdichev on Friday.”
  • 6. Insurance policy for travelers abroad in the amount of 50,000 euros. Yes, they really do make WORLDWIDE an insurance policy for 1 year free of charge. They also extend for free. Therefore, you can save on insurance.
  • 7. Cards can be issued to family or trusted persons.
  • 8. Miles earned on other cards are not consolidated.

More details about (clickable).

What do they give out and how much does it cost?

By tariffs:

— Tariff activation – 0
— A set of cards (Visa Premium Gold+MasterCard Platinum) for a relative or proxy — 0.
— Tariff cost per month is 0 UAH, if the following conditions are met:

Payment for cards of this tariff is more than 5000 UAH per month.
The average daily account balance is 10,000 UAH.

If in some month both conditions are not met, the cost of the tariff is 400 UAH per month, if one of the conditions is not met - 200 UAH. Re-issuing cards from your first set or set to confidant– 100 UAH.
This package of services is suitable only for those who have a sufficient turnover of money per month and who have at least over 10,000 UAH left in their account!

Interest is charged on the money that remains on the card according to the following scheme. If you have 250k UAH in your account, then interest will be calculated as follows:

  • For the first 100,000 – 5% per annum
  • For the next 100,000 – 10% per annum

SmartSky activation

  • Open a Visa Premium card at a Raiffeisen Bank Aval branch with a Premium zone.
  • Register on the website in the “Registration” section.
  • Pay with a Visa Premium card from Raiffeisen Bank Aval for goods and services in retail outlets and on the Internet, and automatically accumulate miles to your personal account.

How are miles exchanged?

Miles can be exchanged in your Personal Account. If you are the owner of a Premium Visa card from Raiffeisen Bank Aval and have visited the website www.smartsky.ua for the first time, register in Personal account. To subsequently enter your Personal Account, select the “My Account” menu.



You can exchange the received miles for air tickets, travel services and certificates

Ticket received:

In miles it cost this much:

Are you still donating money to the bank?

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P.S. Here is a description of how to get points in Ukraine. If you live in another country and know how you can save money, please add this information in the comments or send us an e-mail: [email protected].

Any information will help save not only you, but also other site visitors in the future!

LifeHack for PrivatBank clients

The site is very buggy... It is very difficult to order something for points due to constant glitches and errors on the site.
Lifehack for PB clients:



  • 1. Go to the PB website
  • 2. Select MASTERCARD REWARDS in the menu
  • 3. We look at how many points we have accumulated or immediately go to the “Go to manage points” tab.

2023
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