Bank card "Pyaterochka" from "Post Bank": reviews, conditions and features

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The Pyaterochka card, the main purpose of which is to help save money when shopping in the supermarket chain of the same name, is a Visa Classic debit card. She is unnamed. Its main advantages are points accrued to the buyer, as well as monthly interest on the balance of the card account, which can be considered as additional profit. Also, this banking instrument is subject to the benefits of "Proceeds" that this promotion gives.

Reviews about the Pyaterochka card from Post Bank will be considered in this article.

Card design

To get such a card, you need to visit the Post Bank, which is present in many branches of the Russian Post. At the same time, you need to bring your passport with you and meet certain requirements:

• you must have a permanent place of registration in the Russian Federation;
• age - over fourteen;
• you will need your personal phone number;
• You will also need to provide a valid email address.

Reviews about the Pyaterochka bank card from Post Bank are of interest to many.

If it is started on a client whose age is from 14 to 18 years, then his legal representative will also be needed to fill out the consent in the form that you will be provided by the organization. At first, only residents of St. Petersburg and the region had the opportunity to acquire such a card. Now the number of regions of its presence is rapidly expanding.

The registration procedure itself does not last long - about five minutes. By signing the contract, you will receive a card in your hands, which will allow you to significantly save on purchases from the Pyaterochka supermarket chain in the future. This is a contact card that communicates with the terminal using a built-in chip.

Card Banking Terms

Why is the Pyaterochka bank card from Post Bank interesting? The terms of service are extremely beneficial for network buyers. After all, they don't have to pay anything for it. So:

• both issuance and maintenance of this card are free;
• if the organization deems it necessary to reissue the card or its validity period expires, the procedure will also be free for the client;
• if it is carried out for other reasons, its cost will be six hundred rubles;
• card is issued for a period of five years;
• no commissionsto pay for purchases.

Many want to get a Pyaterochka card.

Bonus accrual system

The main distinguishing feature, unlike other similar banking instruments, is the multiplied accrual of bonus points when making purchases. By the way, they are credited both for those purchases that are made in Pyaterochka supermarkets, and for those that were made in other places. If you want to pay for the purchase in cash, then the card you present will be regarded as a bonus card.

Reviews about the Pyaterochka card from Post Bank are plentiful.

Let's consider how bonuses are exaggerated as the value of the purchase being made increases. If your check is less than 555 rubles, you will be credited with 3 bonus units for every 20 rubles. If the amount is more than 555 rubles, then the number of bonus units increases - 4 for every 20 rubles. In other words, if you make a purchase worth 100 rubles, you will receive 15 points. If your check is over 555 rubles, then the amount of cashback will be 2%.

Two promotions that accompany the use of this card have been recognized by customers. Firstly, this is a one-time crediting of 2,500 points (250 rubles) to it, which can be used immediately upon the first purchase if its value is more than ten rubles. And the second promotion will be a good gift for the client's birthday - also 2500 points that are credited to his card on this day.

Reviews about the Pyaterochka card from Post Bank are mostly positive.

As we alreadynoted that the client receives bonus units not only for purchases at Pyaterochka, but also for all other purchases. If you decide to shop at another supermarket, you will receive two points for every twenty rubles, but regardless of the amount of the check. Thus, your cashback will be 1 percent.

The Pyaterochka card can also be used simply as a storage card. Suppose you pay with another bank instrument or in cash. But in this case, you are en titled to bonuses. There will be a different scoring system. You receive 1 bonus unit for every twenty rubles, if the amount in your check is less than 555 rubles. And 1 bonus - for every 10 rubles, if the check amount is higher. Thus, in this case, the client receives 5 bonus units for every hundred rubles, and the cashback is equal to half a percent.

As for basic bonuses, when paying with a card at the checkout, they will be credited instantly. In all other cases, they are credited to the buyer's account within fourteen days from the date of purchase. This also applies to purchases in other stores. You can track the receipt of bonuses either through your personal account on the website of the trading network, or by looking at this information in the receipt.

Reviews of the Pyaterochka card from Post Bank will be discussed below.

Write off points

The rate is calculated from the ratio of 1 ruble - this is 10 bonus units. Remarkably, you can pay for your entire purchase with bonus points. But it is important to know that after 12 months your bonuses expire.

ForThere are exceptions to accrual of bonus units - these are some products of low retail value, cigarettes and some alcoholic beverages.

Card activation

The client has several possible ways to activate the card - through a personal account on the website of the Pyaterochka trading network, by calling the hotline number or by SMS to the short number 7555. In this message you must indicate the card number, your name and your birthday.

By the way, only one Pyaterochka card can be registered per phone number. Immediately after activation, you get a personal account and access to it. Here it will be convenient to watch the accrual of bonuses and the current balance.

If you already had a Receipt card before receiving this card, then you will have to choose which of the two you will use to accumulate bonus units.

Informing via SMS

If you signed the service of informing via SMS on the day of the conclusion of the agreement with "Post-Bank", then within two months it will be free for you. Then it will have to be paid - 49 rubles a month. But if during the billing period you did not make any transactions with the Pyaterochka card, you will not need to pay for the SMS-info service. It is important to know that you cannot turn off SMS data through a mobile bank or via a hotline - this can only be done at a bank branch.

Reviews about the Pyaterochka card from Post Bank

Despiteobvious advantages of the card discussed in this article, the Internet is full of a variety of reviews about it. A large number of those who expressed their opinion are satisfied with the presence of the card, many were happy to take advantage of the promotion available with the first purchase with it, etc.

There are those who are dissatisfied with paying for SMS info or making third-party card transactions. After all, the card can be used both for withdrawing and crediting cash, and third-party bank terminals will ask for a commission for this. But this is a standard situation for all bank cards.

There are also complaints about failures in the mobile application and the operation of the Internet bank. Some people are dissatisfied with the voice menu that turns on when calling the hotline: it is mainly devoted to lending and made inconveniently, users say.

Conclusion

So, we have considered all the benefits of owning a free Pyaterochka bank card. Its functions are much wider than those of a regular bonus card. When used for its main purpose, the advantages are obvious. And if you use it as a debit card, it is better to carefully study all the conditions in advance in order to avoid unwanted commissions.