We pay with our bank card every day: we buy groceries, update our wardrobe, have lunch at a cafe, or simply pay for goods at a supermarket. And before holidays and special occasions, we look for special gifts for our loved ones. Now, a portion of the money spent on these habitual expenses can be returned to our account. Belagroprombank has increased the cashback rates (return of money for purchases) for the card packages "Lait", "Medium", and "Premium".

Let's figure out how the updated loyalty program works and how much money can be returned to our account.

How much does the bank return for purchases?

The bank has increased the cashback:

• 5% - on jewelry, watches (in all packages)

Jewelry and watches are not something we buy every day, but they often become gifts for birthdays, anniversaries, weddings, and New Year's. Now, when choosing a valuable gift for our loved ones, we get 5% of the spent amount back on our card.

• Up to 3.5% - on clothing, shoes, cosmetics stores, hairdressers, cafes, and restaurants

These are categories of our frequent expenses. The refund percentage depends on the package of services:

o Package "Lait" - 1.5%

o Package "Medium" - 2.5%

o Package "Premium" - 3.5%

• 1% - on all other shopping (for the Belkart Maximum card)

If you use the Belkart Maximum card in the "Premium" package, an additional 1% cashback is accrued on all other purchases: gas stations, pharmacies, household goods, etc.

The maximum cashback amount per month is 50 Belarusian rubles for the card packages "Lait", "Medium", "Premium", and 100 Belarusian rubles - when paying with the Belkart Maximum card within the "Premium" package.

How does it work in practice?

Let's see how much money will be returned to the Belkart Maximum card from the "Premium" package with the following expenses:

A gift for a loved one on a holiday (earrings, bracelet, or watch) - 300 rubles.

➔ Refund (5%): 15 rubles.

Family expenses for self-care and leisure (new clothes, beauty salon, family dinner at a cafe) - 500 rubles.

➔ Refund (3.5%): 17.50 rubles.

Daily expenses (supermarkets, gas stations, pharmacies) - 1,000 rubles.

➔ Refund (1%): 10 rubles.

In total, 42.50 rubles will be returned to the card per month.

Over the year, this is more than 500 rubles - money that can be spent on a new gift!

What is the convenience of card packages?

A card package is not just one card, but a ready-made set of financial instruments.

Cards for any purpose: Within each package, one main card of your choice is issued free of charge, and free additional cards are also available, including those in different currencies. This allows you to pay comfortably both in Belarus and abroad or in online stores. Additional cards can be issued for children.

Transaction notifications: Free PUSH_MIN or PUSH_MAX notifications are available, with the volume depending on the card package. You will immediately know how much money has been received, how much has been spent, what the balance is, and where and when you made a payment.

Withdrawal of cash without commission: The withdrawal of cash in ATMs is carried out without bank commission within a certain limit, which depends on the chosen package.

P2P transfers: You can quickly transfer money from card to card within Belagroprombank without extra overpayments.

Management in the application 24/7: In the Belagroprombank mobile application, you can transfer funds or pay for services through ERIP without commission with just a few clicks.

Free maintenance

Belagroprombank has criteria for free maintenance. Each card package has its own subscription fee. The bank does not charge a monthly fee for maintaining cards in the "Light", "Medium", or "Premium" package if at least one of the three conditions is met during the calendar month: purchases are paid for by card in the required amount, a salary is credited to the account in the required size, or the necessary average daily balance is maintained.

You can learn more about this on the official website of Belagroprombank or at the nearest bank office.