Debit Card Promsvyazbank All Inclusive. Overview: Premium Map All Inclusive from Promsvyazbank. Service rates

Map All Inclusive Promsvyazbank: Well forgotten card with cachekom 3% on food and cafe or 5% for the rest

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Once upon a time the systemically significant, solid, now part of the top ten in Russia, Promsvyazbank has released a real bomb in the settlement product market: a debit card with a catchy and proud title All Inclusive. Under such a bright sign, a truly favorable and convenient settlement card for every day, which really included almost "everything immediately" has been stubborn. In the first months, the launch of the product of new customers from the bank was not reading, because Promsvyazbank on the ALL INCLUSIVE map offered 5% cachek in the product category and all restaurants and cafes. But over time, the bank began to worsen the conditions, and customers - scatter. Meanwhile, now, when almost all banks have significantly reduced the percentage of cachek for all the costs for the client, the old good Map All Inclusive Promsvyazbank is quite profitable and again almost the best on the market. Why? Let's deal with.

How much is the release and maintenance of the Map All Inclusive Promsvyazbank

Arrange the All Inclusive Marsvyazbank Map, by filling out a special form on the site:

The map is made for several days. A courier will bring a ready-made card - a representative of the bank.

Map All Inclusive Promsvyazbank can be either the MasterCard WORLD payment system, or Visa Platinum with the relevant categories of privileges.

What payment system to choose - you decide when you make an application. By default, Promsvyazbank launches MasterCard World Card Data.

Maps support the contactless payment method:

The card is available for free and can also be served for free if you perform one condition: always maintain an uncomplicable balance on the map in the amount of more than 50,000 rubles.

Otherwise, the service will have to pay. In this case, the client is offered to choose from two payment options for making cards:

for a year ahead - 1,500 rubles;
for a month ahead - 150 rubles.

If you choose annual payment, then 1,500 rubles will have to give immediately as soon as you replenish the map. One year later, the Bank will analyze your activity on the map: if all year you followed the condition for maintaining an uncompanied balance of more than 50,000 rubles, then the bank will not write anything, and the entire coming year you can use the card for free, otherwise you will again have to pay 1,500 rubles . And so on every year.
If you choose a monthly payment, then the first month of service for you will be free without conditions. If the whole month you will support the unsigned balance on a map of more than 50,000 rubles, the next month of service will be free for you, otherwise the bank will hold 150 rubles. And so on every month.

Thus, if you know for sure that you cannot store more than 50,000 rubles on the map, it is better to choose annual payment and immediately pay 1500 rubles. In recalculation for months, this will be 125 rubles per month - quite itself the average cost of servicing the settlement card on the market.

It is important to understand that the payment of the annual or monthly commission does not insure you from possible changes in service conditions, for example, a decrease or cancellation of cachek on the map.

You can order a map with an individual design, the release of such a card costs 333 rubles one.

Cacheback on the map All Inclusive: 3% for supermarkets and restaurants or 5% to another

The main feature of the All Inclusive card is the presence of 3% cachek for purchases in supermarkets and any other grocery stores, as well as in restaurants and any other feathers, including Fast Food.

Such a percentage of cachek is at the moment one of the highest in the settlement card market. At the same time, for obtaining such a cachek, no conditions for revolutions do not need.

It is important to note that Cashback on the MARCH ALL INCLUSIVE Mesvyazbank is real rubles, not bonuses, candy or points. Cashback accrual is made up to 5 working next month in the form of a card account replenishment.

If shopping in supermarkets or cafes in your budget is not the most expensive expense article, you can choose any other category to choose from:

"Fuel" - petroleum products, gas and other related products / services purchased at gas stations or in specialized stores (MCC 5172, 5541, 5542, 5983);
"Clothing and shoes" - shops for men, female, as well as children's clothing and shoes, accessories, clocks, etc. (MCC 5094, 5137, 5139, 5331, 5611, 5621, 5631, 5651, 5691, 5697, 5698, 5697, 5691, 5697, 569, 5697, 569, 5697, 569, 5697, 5698, 569, 564
"Avia, cruises and railway tickets" -Avia companies, passenger w / d companies, as well as cruise companies (MCC 3000 - 3299, 4112, 4411, 4511);
"Everything for home and repair" -Mubel and construction stores, interior items, etc. (MCC 1520, 1711, 1731, 1740, 1750, 176, 525, 525, 506, 5072, 519, 52, 5072, 5074, 521, 525 5712, 5713, 5714, 5718, 5719, 5722, 7622, \u200b\u200b7631, 764, 7692, 764).

Cashback in any of these categories will be 5%

For example, you changed Cacheback category on June 24. Only September 1, the new category will become bonusable.

The card bonsishes only in one - selected category. Purchases in any other categories of cachekka do not bring.

The maximum amount of cachek per month is 1000 rubles.

Thus, if your cachek category is "supermarkets and restaurants", then over 33,333.34 rubles per month it does not make sense, if any other category is not more than 20,000 rubles per month. For any expenses of over these amounts, the bank "Kashi" does not nap.

Decor and payment of an additional card ALL INCLUSIVE

The product is also good because it allows you to arrange an additional card and save the cachek on both cards.

An additional card is available for free, you can only release a maximum of 2 additional cards to one account. The cost of annual maintenance of an additional card is 1500 rubles.

The release of an additional card with an individual design costs 333 rubles.

Replenishment and cash withdrawal from the All Inclusive Cards Promsvyazbank

Promsvyazbank is a partner at once several large banks of the country, and therefore, in addition to the "Native" ATMs of Promsvyazbank, the holders of the All Inclusive cardholders can make cash without commission in ATMs of Alfa-Bank, Binbank (including ATMs of MDM Bank), Rosselkhozbank, as well as Revival Bank and Avtovasbank.

On a day, you can shoot no more than 300,000 rubles without a commission, per month - no more than 1 million rubles. When removing a longer amount, it will be necessary to additionally pay 2% of the amount of exceeding.

If you are shooting in any third-party other than the list above, ATMs will additionally pay 1% of the removal amount, while the removal limits are the same.
Cash withdrawal through the bank's cash register is always paid and costs 1% of the removal amount:

You can replenish cash card in the ATMs of Promsvyazbank and the Bank "Revival", in the cashier of Promsvyazbank and Interbank.

Replenishment and "tightening" money from the All Inclusive card with C2C

To make transfers Card-to-Card with / on Mapsvyazbank Maps developed a special service:

However, any replenishment from the map of another bank and "tightening" from the ALL inclusive cards are paid:

replenishing the All Inclusive card from the map of another bank costs 0.5% of the amount of replenishment, but not less than 30 rubles;
money tightening from the All Inclusive card on another bank card 1.5% of the amount of tightening, but not less than 30 rubles.

Thus, there is no free instant replenishment or tightening from the All Inclusive card, it will not be possible to use a transit card.

SMS-Informing, Internet Bank and Mobile Application

SMS-informing operations on the main map costs 29 rubles per month, optional - 599 rubles per year:

Track speed on the map, make analytics spending, open and replenish deposits, extinguish loans and make translations and payments can be in a free online bank and mobile application Promsvyazbank, quite comfortable and modern:

Advantages and disadvantages of the Map All Inclusive Promsvyazbank

5% cachek in the form of real rubles, accrued monthly and without conditions now almost not to find, and 3% cachek on products and cafes under current conditions when banks deteriorate to deteriorate in their design cards - and a fairy tale. But there is a heroine of this review and obvious cons:

A sufficiently high plank maintaining the balance on the card account of more than 50,000 rubles for free maintenance;
No interest accrual for the residue, i.e. money on the card account is stored for free;
Restriction in the accrual of cachek in the amount of 1,000 rubles per month;
Paid SMS-informing;
Pay online replenishment from another bank card and paid "tightening" from the card.

Now about the indisputable advantages of the card, they are much larger:

The ability to select a method of service card: Annual or monthly;
The ability to not pay for the service of the map when maintaining an unsigned balance of more than 50,000 rubles;
The ability to select a payment system: Visa or MasterCard;
The possibility of making a map with an individual design;
The possibility of registration of additional cards and cachek accumulation from all maps;
Interesting and common cachek categories;
High percentage of cachek - 3 and 5%;
Cashback in real rubles, not candy or bonuses;
A wide displacement network of non-secret cash removal;
High monthly and daily cash removal limits from the card;
The map of a reliable, systemically significant bank of the country, with which it can hardly happen in the foreseeable future;
Comfortable and modern free online bank and mobile application.

Map All Inclusive Promsvyazbank - an old good settlement card, designed during the heyday of maps with cachekkom and unreasonably forgotten with modern "cooks". Taking into account the latest trends of total reduction in Cacheback deductions on all key card products, Map All Inclusive Promsvyazbank is relevant again and is very beneficial for almost any segment of consumers.

If you have questions about the terms of service, wishes or comments - we will be glad to read and comment on them.

A card with a 5% return of funds for purchases in stores with the corresponding MCC code, with a percentage accrued to the residue and convenient delivery will allow you to enjoy all the advantages of modern life.

"ALL INCLUSIVE" in Promsvyazbank

Map "All Inclusive" Promsvyazbank is the flagship product of the debit card line. A successful combination of international MasterCard format or Visa Platinum to choose from, quite good percentage on the residue (an effective bet is 6.66% per annum) and with a low service cost (1500 rubles per year) allows you to almost everyone to join the world of modern card products and technologies. Release conditions - comfortable as possible. So, after a few hours after placing an online application, you can order the delivery of the finished card product at a convenient separation of the bank.

Debit Card Promsvyazbank "All Inclusive"

Distinctive features of a debit card - a combination of international format, interest accrual (ATTENTION: In the issuance of the card, interest is not accrued in Russian rubles), the possibility of release of several (two) additional premium categories for sharing. Among the technologies available for the owners of the map are "smart money", "Superbash", PayPass (payments "in one touch"). Bonuses (Cash-back) are charged only if there are daily residue of 50 thousand rubles, and only in one of 5 categories: building materials, clothing and shoes, fuel and related, cruises + air and railway tickets, restaurants and fast food.

"All Inclusive" on Visa Platinum in Promsvyazbank

The Visa Platinum of the International Sample from Promsvyazbank is a 5% Cash back, the service fee is either its absence to choose from, free removal of funds in almost 10 thousand ATMs from the organization that has released a map and its partners. At the same time, this premium product has no insurance, is not supplied with removal opportunities without percent more than 30 thousand rubles. In third-party ATMs without a commission, and interest accrual is subordinate to the strictest rules. Thus, interest in the amount is accrued not only while maintaining its size strictly more than 50 thousand rubles, but may not exceed 8 thousand rubles. per month.

Promsvyazbank Debit Card All Inclusive is a premium card with Cashbank for purchases. The map allows not only to store and remove cash, but also save them. You can pay for the purchase card in retail outlets, goods and services on the Internet, make money transfers with it.

Service cost

The card holder can choose how the payment service fee will be charged - monthly or once a year. Annual service is 1500 rubles, monthly - 150 rubles, for the first month of service, the Commission is not charged. Maintenance card is free subject to the balance of the account for the reporting period more. The fee for SMS-alerts on the operations conducted on the map is 29 rubles per month.

Cash Removing

In ATMs "Promsvyazbank" and partner banks, removal from the card is not subject to the Commission, provided that no more than 300,000 rubles were filmed for the day, and for a month - no more than 1 million rubles. The issuance of cash in the issuance of "Promsvyazbank" and third-party banks, in other ATMs it is subject to commission, which is 1% of the amount (minimum of 299 rubles). Intrabank transfers are not subject to commission.

Where to issue a map

You can arrange the premium PSB PSB on the official website of the bank. Link to the application page you will find at the top of the page. Fill out the questionnaire and send an application to the Bank. When filling out the questionnaire, do not forget to confirm your consent to the processing of personal data. The application will be considered as soon as possible, if necessary, the Bank manager will contact you.

Benefits

The debit card All Inclusive has a number of advantages that make a map with a convenient and multifunctional financial instrument:

free cash withdrawals in more than 10,000 ATMs of Promsvyazbank and partner banks;
cachek for purchases;
free service "smart money", helping to plan a budget and control costs;
free access to the mobile and Internet jar;
the map supports the technology of contactless payments PayPass;
the card is equipped with a special chip that ensures maximum safety of calculations;
you can check for 2 additional premium categories for yourself for yourself and a loved one.

Cashback

Part of the money spent on purchases, the bank will return to you. Cacheback is up to 5% in the user-chosen category. Once every 3 months, the selected category can be changed.

Map All Inclusive, which issues Promsvyazbank, is a debit that contains a microchip, to increase reliability, as well as contactless payment technology. Despite the fact that the card is only estimated, you have the opportunity when you actively use it a good Cash back.

1) Beck 5% cache is charged not from all purchases, but only with certain categories of goods that you must inform the bank in advance, you can choose among the following: Clothes (including shoes), refueling, tickets (air, railway, Cruises), restaurants and shops, as well as building materials. And choosing one category, you cannot change it earlier than in 3 months, so think in advance which category of goods you are satisfied again. The maximum possible amount of receiving the Beck cache, not more than 1000 rubles per month.

2) Card holders can open a special account on the Internet bank, on which your money will lie under 6.5% per annum.

3) For fully free maintenance of the card, the Bank set the following requirements: on average, during the month your balance should not be less than 50 thousand rubles, and expenses not lower than 30 thousand rubles. If the conditions fail to follow, then it is necessary to pay, or for each month 150 rubles, or immediately for the year 1,500 rubles, and in the case you paid in advance, but it was possible to fit into the limits set by the Bank, which you did not disappear, And transfer the next month.

4) Each owner of the card becomes the participant of the Promsvyazbank bonus program - Psbonus. For 15 rubles 1 point is charged. 10 accumulated points are converted into 1 ruble. You can spend bonuses only with a minimum amount of 7,000 points, which is 700 rubles. Points can be paid for no more than 90% of the purchase amount, you can also pay them for the annual maintenance card.

5) Two additional, for example, for their loved ones can be attached to this map.

6) According to the main debit card, the SMS warning service is free.

Promsvyazbank Map All Inclusive Online Application (release terminated)

Added to Bookmarks: 10

May Updates: from June 1 Max. Cashbek for all customers: 1000 r. / month For the category "Supermarket" cachekk is now equal to 3%.
For free maintenance of the card, it is required to maintain the balance for a month of 100 thousand rubles (for "old people", the head of the card until 01.11.2014 - the explanation lies in the revenue for the residue) and 50 thousand for "newbies", the turnover on the map now does not play any Roles.

ONN. 29/04: From May 20, the cost of SMS inform. equal to 29 rubles / month. (on the "Supercard" credit card - 69 rubles).

ONN. 23/04: From May 1, 2015 Maps All incl. Do not participate in the Psbonus bonus program.
There were also some changes to the accrual of bonuses for other cards.

Updated 01/16/2015: Canceled free of charge in other people's ATMs.
Small edits in the article

Updated 28/12/2014:

In November 2014, a tariff was introduced, for which the tariff with Max.Keshekkom in 1000 rubles is installed for new customers, without removing in foreign ATMs.

For those who started the map earlier, Cashbek remained equal to 1500,% also remained. Card tariffs can be found.

In mid-May, Promsvyazbank launched a new All Inclusive map ("All Inclusive"). A very interesting card almost passed past my intention. But first is a small remark.

Many active mapping users have become accustomed to cachek cards and 1% return with purchases (Avangard, TKS, Renaissance, etc.).

To obtain a cachex in a percentage ratio more (3/5/10%), banks are usually hard to: Wanted spending from a credit card, or various restrictions are established that it is obviously limiting the range of potential customers.

So, PSB offers a debit card with 5% cachex in one of the most popular categories with a maximum return amount of 1500 rubles per month. And more interest on the rest and free cash. My opinion is to take!

Below are other important nuances on the map, which, if necessary, I will complement. Actual at 19/06.

New (Original): Change tariffs for SMS-informing.
Mountains Line: 8 800 333 03 03 (Customer Support Service)
8 800 700 50 33 (Quality Line)

Numbers

Two payment options for maintenance card.
Either 1500 rubles per year or 150 rubles per month starting from the second month after the first transaction. But as for me - the second option is better, it is not yet known whether tariffs will remain and all-all% on the card at the same level. The Commission in the second case begins to post one month after the first payment (not activation of the map).
Card can be Make free subject to turnover of 30 thousand rubles (1000 dollars / euro) or while maintaining an uncompressed residue of 50 thousand rubles + 1 kopecks. In the first case, the issuance of funds, interbank transfers and translations from the card on the map are considered, transfers to electrical shots.
It is possible to pay annual service with bonus points (about it below), but they still need to be pretty much accumulated.
Two "Quality" for free.
To the map ALL INCLUSIVE it is possible to open two Additional Free Cards categories MasterCard WORLD / VISA Platinum For yourself or your loved ones. At the same time, for MasterCard World card, you can release only MasterCard World cards. This situation is associated with the technical limitations of the automated PSB-Retail banking system.
If your relative is not a bank client, then the "ADD" can be opened by providing an employee of the bank a copy of the passport of this relative. You can get a map, unfortunately, only he, and not you.
Through IB, the order of "ADRC" is impossible, unlike the usual opening of the account and release of the card for yourself.
SMS-informing free.But only for the main card. For additional kart - for free only three months, then scrolls 599 rubles (22 dollars or euro) for the whole year for each card.
Conversion course: + 1.5-2%. The course of the Central Bank of the Russian Federation and 1.99% of the Commission takes place when calculating in a currency other than the dollar and the euro. Thus, the card is very unprofitable when calculating in the tugresses, cachek turns into ~ 1%.

Cachek 5%

Maximum Cacheback amount - 1500 rubles. in the month From November 1, 2014 for new cards - 1000 rubles. From 01.06.2015 for all customers the same conditions: Max. 1000 rub / month.

Fuel: Petroleum products, Gas and other related products / Services purchased at fuel stations or specialized stores (5172, 5541, 5542, 5983)
Clothes and shoes: Shops men's, female, as well as children's clothing and shoes, accessories, clocks, etc. (5094, 5137, 5139, 5331, 5611, 5621, 5631, 5651, 5661, 5681, 5691, 5697, 5698, 5699, 5949, 594, 7296, 5641)
Supermarkets and restaurants: Grocery stores, supermarkets, cafes, bars, Fastfud enterprises and restaurants, etc. (MCC 5411, 5422, 5441, 5451, 5462, 5499, 5921, 5811, 5814)
Following the pilot project, the addition of frequently occurring MCC 5311 (supermarkets) is not excluded.
From 01.06.2015, the maximum of the category: 3% cachek.
Air, cruises and railway tickets: airlines, passenger w / d companies, as well as cruise companies (MCC 3000 - 3299, 4112, 4411, 4511))
Everything for home and repair: Furniture and construction stores, interior items, etc. (1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 2791, 2842, 5021, 5039, 5046, 5051, 5065, 5072, 5074, 5200, 5211, 525, 5211, 5261, 5251, 5261, 5251 5713, 5714, 5718, 5719, 5722, 7622, \u200b\u200b7623, 7629, 7631, 7641, 7692, 7699)

Various nuances:

Revenue

When maintaining the minimum unumbed residue 50 thousand rubles are charged 5% per annum, and when maintaining a balance on account for two months in a row for the third month, elevated 10% are charged. As a result, the percentage of OK. 6.6%

Cash withdrawal

In ATMs PSB, ATMs MDM, Alpha, RSHB Removing without commission. Max. 300 thousand per day or 1 million per month.
Issuance of funds in the Cashier PSB: 1%, min. 299 rub. / $ 10/10 €.
From 16/01/2015 canceled cash in foreign ATMs up to 30 thousand rubles / month. Issuing funds in any ATM in the world - without commission, but maximum 30 thousand rubles/ 1000 dollars or euro per month (but more than 3 thousand rubles / 100 ya!). For the removal of large amounts will be taken by the Commission 1%, min. 299 rub. / $ 10/10 €.