Why do you need a MasterCard payment card from Beeline? What you need to know about the Beeline bank credit card
The Beeline company today, in addition to its main specialization, is the provision of services cellular communication, also implements additional offers, among which there are already even Banking services. So, each subscriber, if he/she wishes, can receive a Beeline MasterCard bank card, for which there are quite profitable terms, and use it for shopping or withdrawing cash from ATMs.
Today in our article we will pay attention to the consideration of information regarding this card. And also what percentage on the balance is offered on the Beeline card.
Beeline bank card: financial terms and benefits
The Beeline payment card with interest on the balance is a completely ordinary and familiar bank card in 2017, on which clients are offered both a personal account and a credit limit for use. Funds from the card, of course, can be used for any needs and at any time.
Frankly speaking, this banking product has no special advantages over cards from other banks in the country. What sets it apart from a number of other offers is only the possibility of receiving funds for storing money on the card.
Each subscriber who has received a Beeline payment card can receive monthly interest on the account balance, calculated systematically based on the data on personal funds stored in the bank account.
As for more precise ratios, the interest on the balance can reach 7.5% per annum. However, if the balance contains a very insignificant amount of funds, the percentage of dividends accrued on it will significantly decrease (up to 3.5% per annum).
Other benefits of the card include the following:
- Free service;
- Possibility of receiving cashback in your favorite places (categories are set in your personal account and application) up to 5%;
- 1% cashback on any purchases;
- Free information about transactions via SMS.
How to get a Beeline card
If you are interested in receiving a bank card from one of the largest “players” in the Russian cellular communications market, this can be done extremely simply: visit any of the company’s offices. Of course, you must have your passport with you. The card is issued in just a few minutes. So you can expect to walk away with a new plastic product in your pocket right away.
Video “Beeline Bank Card”: 5 pros and 5 cons
How to disable interest on the balance on a Beeline bank card
Returning to the issue of calculating interest on the balance, it should be noted that although this option is very convenient and advantageous offer, has some limitations that can be a big inconvenience for card users.
It's about that interest on the account balance is accrued free of charge to carriers of a Beeline bank card only in the first two months from the date of receipt new card.
- If during the month there was at least 3 thousand rubles constantly lying on the client account;
- The card was used to make payments for purchases worth at least 3 thousand rubles within a month;
- The card was topped up with at least 3 thousand rubles per month.
In other cases, to use the service of calculating interest on the balance, subscribers will have to pay 99 rubles in a monthly format.
The Beeline payment card is a product intended not only for Beeline subscribers; anyone can apply for a card. The card is issued and serviced by RNKO Payment Center, the credit limit is provided by Tinkoff Bank, and interest on the balance is charged by Okrytie Bank.
For what purposes should I get a Beeline card? The card includes the standard set of any payment card: payment for purchases online and offline, payment of loans and microloans, housing and communal services, telephone, Internet and others, as well as Money transfers in Russia and the CIS.
In addition, the Beeline card is, it accrues interest on the balance, and there is also cashback in the form of bonuses, you can issue a credit limit
Types of cards
Beeline company issues three types of MasterCard cards:
- Standard – issued for clients of any operator. To obtain it you only need a passport. This map does not participate in the bonus program, cashback is not awarded when paying for it.
- World is a personalized card only for Beeline subscribers. To apply for it you need to top up your account with 500 rubles.
- PayPass is a personalized card with an additional . Can be exchanged for one of the already issued Standard or World cards.
Beeline offers customers debit cards and credit cards.
Beeline credit card
Tinkoff Bank has established the following tariffs for Beeline credit cards:
- The maximum loan amount is RUB 300,000;
- interest-free period - up to 55 days;
- the interest rate for timely repayment of the Minimum payment is 28.9-29.9%.
- if the Minimum payment is not paid and for cash withdrawals - 36.9-49.9%.
- The minimum payment is 8% of the debt, but not less than 600 rubles.
Interest on balance
To start accruing interest on your card balance, you will need to connect to the “Interest on Balance” service. If, upon receiving the card, you did not immediately register the connection, you will need to come back to the Beeline office with your passport and card and fill out an application to open a deposit. The deposit is opened by Otkritie Bank.
Paid service - 99 rubles. per month, the first two months after connection are free. If one of the conditions is met, no commission is charged:
- non-reducible balance during the month 3,000 rubles;
- payment for purchases by card in the amount of RUB 3,000;
- replenish the card with at least 3,000 rubles.
Otkritie Bank offers Beeline card holders the following interest rates:
- 500 - 14,999 rub. — 3.5% per annum.
- 15,000 - 249,999 rub. - 4.5%.
- 250,000 rub. and above - 7.5%.
The minimum balance is 500 rubles.
The interest amount is calculated every day, depending on the balance. Interest is credited monthly. Money on the card is subject to a mandatory deposit insurance system in the amount of 1,400,000 rubles. You can find out the amount of accrued interest in Internet banking.
Bonuses or cashback
If you pay with a Beeline card, you will receive cashback in the form of bonuses in the amount of 1% of the amount of any purchase. In your favorite categories - 5%, up to 15% of purchases in Beeline partner stores. Cashback is not credited to Standard cards.
You can choose 3 favorite places to buy. The monthly limit is 3,000 bonuses, respectively for the year - 36,000. 1 bonus = 1 ruble.
You can spend bonuses:
- for communication services;
- in the Beeline communication store - purchase goods up to 90% of the purchase price.
- from Beeline partners - also up to 90% of the purchase.
How to apply for a card
You can get a card at any Beeline store.
How to activate the card
The Beeline payment card does not require activation, you just need to receive and enter a pin code. To receive it you need to call mobile number specified during registration.
Terms of Service
The main advantages of the card are free annual maintenance, issue and reissue of cards. Free SMS information, Internet banking and mobile app.
How to top up your card
Free refill:
- in Beeline offices;
- in MKB bank terminals;
- By linking the card in your personal account, top up from it in the amount of more than 3 thousand rubles.
How to withdraw cash
Cash withdrawal from ATMs:
- if the withdrawal amount is up to 5,000 rubles, then the commission is 149 rubles;
- if the withdrawal amount is from 5,000 to 50,000 rubles, the commission is 0 (if the withdrawal did not exceed 50,000 rubles during the month);
- if the monthly amount exceeds 50,000 rubles. , commission - 2%, but not less than 199 rubles.
Withdrawal at the bank's cash desk:
- in any bank - commission 4%, but not less than 350 rubles.
Cash withdrawals from credit cards - 4.9% of the amount + 500 rubles.
Who benefits from the Beeline payment card?
It is quite logical that the Beeline company intends its card primarily to its clients. Bonuses accumulated on the card can only be spent on free communications or purchasing goods in the Beeline salon.
If neither one nor the other interests you, bonuses can be used from Beeline partners. But the list of them is not long at all. Cashback bonuses are better than nothing, but sometimes such bonuses are simply useless.
As for accruing interest on the balance, there are cards that are much more interesting with a higher income, for example, these ones.
The main advantage of the Beeline payment card is its free service.
Nina Polonskaya
5% cashback at gas stations wasn’t enough for me, so I decided to get one for free debit card Beeline MasterCard World. I was attracted by the offer to receive 5% bonuses not only at gas stations, but also in pharmacies and cafes.
After receiving the card, it turned out that now you can choose cashback categories for 3 months. But among the categories there were still gas stations, pharmacies, restaurants and fast foods. Moreover, the last two categories are not at all combined into one. By the way, the Rostov cafes "Golden Spike" turned out to be supermarkets, judging by the extract. Those who have dealt with cashback for a long time probably know that each cashback is issued according to a category from a POS transaction, and not at all from what the establishment or organization essentially is.
When you contact the Beeline office, a nameless debit card is issued immediately according to your passport. If you need a card with a chip, contactless payment and with your name, then such a card can be ordered later.
Interest is not accrued on the balance on the Beeline MasterCard World card. To receive them, you need to go to the Beeline office with your passport and SNILS. The account will have to be topped up with 500 rubles, and this amount cannot be withdrawn. Interest will be calculated by a specific bank, so they are not announced in advance. Apparently, they give only 4% for the balance, and only with a turnover of 150 rubles per thousand can you get 8%.
Beeline is, of course, not a full-fledged bank. The card is issued by RNKO Payment Center (LLC), which also offers bank cards Know-How from Beeline, Kukuruza from Euroset, Kari Club, myGift.
Employees of Beeline salons are not very familiar with the Beeline Mastecard. When I asked if there was Internet banking, they answered in the negative, adding that you can use the application. In fact, of course, there is an Internet bank, although of course you can’t expect from it, for example, a huge number of templates for paying utility bills. Even the bank is doing better in this regard.
Upon receipt of the card, Beeline turns on auto payment, which cannot be easily disabled personal account mobile phone Beeline. But you can turn it off from online banking.
You can log into the Beeline mobile application using a password or a short PIN code. The application itself has a setting that allows you to enable contactless payments using the mobile application and NFC.
Among the delights of the Beeline card, we can note the free service for Beeline clients, including free SMS. You can withdraw cash from any ATM for free, but you need to pay attention to the limits and conditions (now you can withdraw free of charge from 5,000 rubles at ATMs with the MasterCard logo, but not more than 50 thousand rubles per month). Cashback is awarded in bonuses that can be spent on Beeline services. Payment for purchases and cash withdrawals in foreign currency abroad is made at the exchange rate of the Central Bank of the Russian Federation on the day of the transaction.
Update (June 1, 2017)
Unfortunately, the categories of increased cashback for the summer of 2017 have changed a lot. You can now choose from the following categories:
- Restaurants
- Cosmetics and perfumes
- Sporting goods
- Pets
- Duty Free
- Taxi
- Public transport
- Beauty Salons
- Entertainment
In addition, these categories cannot be selected in the Beeline mobile application (you can only select on the website bank.beeline.ru), which is very inconvenient if there is no landline Internet. Not to mention the lack of warning about the need to select categories for the next 3 months.
In addition, replenishment at Beeline offices turned out to be inconvenient. For some unknown reason, even the terminals in Beeline offices do not allow you to top up your card, so you have to contact the employees and present your Beeline Mastercard bank card along with your Russian citizen’s passport.
I also didn’t like replenishing using a card. Without commission, you can top up your account only by 3+ thousand rubles. Topping up from a Maestro card is generally impossible; only Visa/Mastercard is accepted. For replenishing my account from a card with an amount of less than 3,000 rubles, Tinkoff Bank charged me a commission of 90 rubles (but it’s the greedy Tinkoff Bank’s fault, not Beeline’s).
I could put up with all these shortcomings if there was a gas station in the increased cashback category. And so the Beeline card became not very interesting to me.
Update (September 5, 2017)
I have been using the Beeline Mastercard card quite regularly for the last two years. This, of course, was facilitated by the ability to add this card to Google Pay, after which I paid with it using my Android smartphone. In fact, you can also use the Beeline Card application to pay by phone, but Google Pay is convenient for me because it allows you to choose a card for payment at the right time: , Beelne Mastercard or another.
I topped up my Beeline MasterCard account mainly using other cards. I used it most of all to pay for goods and services from the increased cashback categories. These were mainly pharmacies, cafes, fast food restaurants and entertainment (cinemas, bowling alleys, museums,...). In general, I came across pharmacies very often, and with children and elderly parents I spend a lot of money on medicine. But of course, it is usually beneficial for banks to provide categories that you do not use, so it is not surprising that in the fall of 2018 there were no pharmacies, supermarkets and gas stations among the categories of increased cashback.
I haven’t frozen 500 rubles on my Beeline MasterCard card yet, so I don’t receive interest on the account balance. This is of course a big minus compared to the same Tinkoff Bank. But for transfers to another bank you will have to pay 1% (transfers are free at Tinkoff Bank). Transfers to cards of other banks cost 1.5%. Transfers between Beeline cards are free, although I have never used them.
A huge plus of the Beeline card is a very favorable exchange rate. Here, in general, special emphasis is placed on the conversion of rubles, dollars and euros.
Despite the shortcomings, I will continue to use the Beeline MasterCard card, since it is completely free. Moreover, I’m only going to spend it to get 5% cashback. The fact that cashback can be spent on topping up a Beeline mobile phone account does not bother me at all. On the contrary, the Everything tariff showed itself to be excellent, because... I got it for 1000 rubles home Internet, home cable TV with 100+ channels (which I hardly use), as well as 1800 call minutes and 30 GB mobile Internet for 5 telephone numbers. Considering the fact that incoming calls while roaming in Russia were free, and outgoing calls even while roaming are included in the limit, I am very pleased with Beeline’s services.
As for the Beeline MasterCard card, after receiving a new card, you can download the Card Beeline mobile application (
The MasterCard card from Beeline is available not only to subscribers of this company, but also to any other clients mobile communications. The card is used in the same way as any other bank card– for paying bills, shopping and much more.
- Ability to pay bills worldwide, wherever available electronic system payments.
- Free account replenishment, SMS notifications, and no service fees.
- Benefits when transferring rubles to other currencies. Conversion is carried out according to official rate Central Bank, without any extra commissions.
- Useful bonus system. Bonuses are credited to your account for any purchases, and you can spend them on paying for communications, TV or Beeline Internet. You can also receive additional bonuses on promotions, as well as in the form of gifts during the holidays.
- Availability convenient application for smartphones, with which it is easy to pay for communication services, transfer funds and track transactions.
- The guarantee of transaction security is international system MasterCard.
Types of cards
A Beeline payment card can be presented in one of three types:
- MasterCard World is available only to Beeline subscribers. The difference between the card is the amount of bonuses for each transaction.
- MasterCard Standard – the amount of bonuses for this card is smaller, but even a client of another mobile operator can apply for it.
- MasterCard PayPass is a personalized chip card with contactless technology. It can only be issued to those Beeline clients who already have one of the two previous cards.
How to get a MasterCard from Beeline?
MasterCard Standard and World cards are issued at any office of the Beeline network operator. If you have one of these cards, you can exchange for a contactless card.
Registration of MasterCard World
The owner of this card can be absolutely any Beeline mobile communication subscriber who has a passport. When receiving it, the card account must be topped up with at least 3,000 rubles. Clients who have a Premium status can skip this step. Activation occurs quite quickly, because after registering the card, you only need to get a PIN code.