We pay with bank cards every day: buying groceries, updating our wardrobe, having lunch at a cafe or simply paying for goods in the supermarket. And before holidays and commemorative dates we look for special gifts for loved ones. Now part of the money can be returned back to the account from these usual expenses. Belagroprombank has increased Manibek rates (money returns for purchases) on card packages "Light", "Medium" and "Premium".

Understanding how the updated loyalty program works and how much money can be returned to the account.

How much does the bank return for purchases?

The bank has increased Manibek:

• 5% – on jewelry, watches (in all packages) Jewelry and watches are what we buy less frequently, but they most often become gifts on birthdays, anniversaries, weddings and New Year. When choosing a valuable gift for loved ones, you receive back 5% of the spent amount to your card.
• up to 3.5% – on clothing, shoes, cosmetics stores, hairdressers, cafes and restaurants These categories are our frequent expenses. The return percentage depends on your service package:
• Light package – 1.5%
• Medium package – 2.5%
• Premium package – 3.5%
• 1% – on all other shopping (for BelkarTMaximum card) If you use the BelkarTMaximum card in the Premium package, an additional 1% Manibek is added to all other purchases: convenience stores, pharmacies, household items, etc.

The maximum monthly Manibek amount is 50 Belarusian rubles for Light, Medium, Premium packages and 100 Belarusian rubles – when calculating with BelkarTMaximum card within the Premium package.

How this works in practice?

Let's see how much money will be returned to the BelkarTMaximum card from the Premium package with the following expenses: A gift for a loved one on a holiday (earrings, bracelet or watch) – 300 rub. Return (5%): 15 rub. Family expenses for self-care and leisure (new clothes, beauty salon, family dinner at a cafe) – 500 rub. Return (3.5%): 17.50 rub. Daily spending (supermarkets, gas stations, pharmacies) – 1,000 rub. Return (1%): 10 rub. In total for the month, 42.50 rubles will be returned to the card. Over a year this exceeds 500 rubles – money that can be directed toward a new gift!

What is convenient about card packages?

A card package is not just one card, but a ready set of financial tools.

Cards for any purpose: Within each package, one main card of your choice is issued free of charge, and free additional cards (including in different currencies) are also available. This allows you to comfortably pay 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, the volume depending on the card package. You will immediately know how much money came in, how much you spent, your balance, where and when you made payments.

Cash withdrawal without commission: Dispensing cash at ATMs is done without a bank fee within a certain limit, which depends on the selected package.

P2P transfers: Transferring money from card to card within Belagroprombank can be done quickly and without extra charges.

24/7 management via the app: In the Belagroprombank mobile app, you can transfer funds with a couple of clicks or pay services via ERIP without commission.

Free service

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

You can find out more details on the official Belagroprombank website or at the nearest bank branch.