Bank cards

Belarusbank is the largest issuer of bank cards (hereinafter – cards) in the Belarusian market and offers a wide range of BELCARD, Visa International, MasterCard Worldwide cards.

A card of Belarusbank is a fully-fledged payment instrument that allows conducting a wide range of financial operations and, if necessary, withdraw cash via various payment channels regardless the time and place of transaction.

Depending on the assumed application area both international cards Visa, MasterCard with an account in foreign currency (US Dollars, euro, Russian rubles) or in Belarusian rubles accepted all over the world, and BELCARD cards with an account in Belarusian rubles for performing transactions only within the Republic of Belarus can be emitted.

BELCARD cards for use only in the territory of the Republic of Belarus include special cards for senior customers, students and children aged six and older.

Possibilities of cards for use only in the territory of the Republic of Belarus

Bank's cards for use only in the territory of the Republic of Belarus allow:

  • paying for goods and services in trade and service enterprises;
  • receiving discounts when paying for goods and services in a number of trade and service enterprises within the framework of the bank's loyalty programs;
  • making payments and using a wide range of services in infokiosks, ATMs and offices of the bank;
  • making payments using Mobile banking and Internet banking;
  • withdrawing cash in ATMs and offices of the bank everywhere in the Republic of Belarus;
  • participating in advertising campaigns (games, actions) conducted from time to time by the bank or BELCARD payment system.

List of bank's card products:

To be used in the territory of the Republic of Belarus

Belcart plastic card

BELKART

Account currency – BYN

Validity period – 3 years

student card

BELKART "For Students"

(“Studencheskaya”)

Account currency – BYN

Validity period – 3 years

children card

BELKART "For Children" (“Detskaya”)

Account currency – BYN

Validity period – up to 35 months

photocard for children

BELKART "PhotoCard for Children"

(“Detskaya PhotoKarta”)

Account currency – BYN

Validity period – up to 2 years

photocard

BELKART "PhotoCard" (“PhotoKarta”)

Account currency – BYN

Validity period – up to 2 years
 

For international use

belkart maestro

BELKART-Maestro

Account currency – BYN

Validity period – 3 years

maestro card

Maestro

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years

ledycard visa

Visa Classic "Lady Card"

(“LediKart”)

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years

visa classic card

Visa Classic

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years

Mastercard Standard

Mastercard Standard

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years

visa gold card

Visa Gold

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years

mastercard gold

Mastercard Gold

Account currency – BYN, USD, EUR, RUB

Validity period – 3 years
 

Installment card "Magnit"

Installment card "Magnit" is an easy and profitable solution for any financial task: payments in the territory of the Republic of Belarus and abroad either using your own fund or using an overdraft.

magnit cardMastercard Standard

Account currency – BYN

Validity period – 3 years.

Includes:

  • payments by installments for up to 12 months at 0.0001% when making purchases in partner shops;
  • refund (cashback) of up to 12% when making purchases in partner shops;
  • overdraft on favorable terms.

Club products

"BARKHAT" CLUB

"Barkhat" club – an offer by Belarusbank for senior citizens who lead a busy life, love to travel and know the value of time.

maestro cardBELKART-PREMIUM-Maestro

Validity period – 3 years

Account currency – BYN

Includes:

  • possibility to apply for a loan "Time to Live";
  • possibility tocconclude a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount;
  • possibility to open a deposit "Classic Irrevocable up to one year" (in Belarusian rubles with a 9 month term) with an increased interest rate;
  • SMS- and e-mail-notification of maturity of newly opened deposit "Classic Irrevocable up to one year" (in Belarusian rubles with a 9 month term);
  • execution of powers of attorney and testamentary dispositions for a newly opened deposit "Classic Irrevocable up to one year" (in Belarusian rubles with a 9 month term);
  • "SMS notification" service for credit transactions on the card;
  • refund (cashback) of up to 12% to the account.

CLUB #On Your Marks (“#Na Start”)

CLUB #On Your Marks is a special offer by Belarusbank for young and active Internet users who purchase

goods and services in Belarusian and foreign online stores.

belcart maestroBELKART-PREMIUM-Maestro/Visa Electron

Validity period – 3 years

Account currency – BYN, EUR, USD, RUB

 visa electron card

Includes:

  • possibility to open an "Internet deposit Trend Irrevocable" deposit (in Belarusian rubles with a 9 month term) with an increased interest rate using the Internet Banking system / mobile banking / infokiosks of Belarusbank;
  • conclusion of a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount;
  • "SMS notification" service for credit transactions on the card;
  • refund (cashback) of up to 12% to the account.

CLUB "CARTE BLANCHE"

Club "Carte Blanche" is a special offer for those who are always ahead! "Carte Blanche" was created for true travelers who love going to both holiday and shopping tours around the world!

Mastercard WorldMastercard World

Validity period – 3 years

Account currency – BYN, EUR, USD, RUB

Includes:

  • cash withdrawal in ATMs abroad with a remuneration reduced by 1%;
  • 7% discount for trips and carriage of luggage (hand-luggage) to (from) RUE "National airport Minsk" using"157 Taxi Service" (conditions for getting a discount are published at belarusbank.by);
  • possibility to apply for the Internet Cashless loan (with a term of up to 12 months) with a reduced interest rate using the Internet Banking system;
  • possibility to open an"Internet deposit Trend Irrevocable" deposit (in Belarusian rubles with a 9 month term) with an increased interest rate using the Internet Banking system / mobile banking / infokiosks of Belarusbank;
  • conclusion of a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount;
  • "SMS notification" service for credit and debit transactions on the card;
  • refund (cashback) of up to 12% to the account.

"SHCHODRY" CLUB

"Shchodry" Club is a generous offer of the bank for those who appreciate the important things and keep track of the important issues. Members of the "Shchodry" club can use popular tools and services of the bank on specifically developed and favorable terms.

shodraja belkartBELKART-Maestro/Mastercard Standard

Validity period – 3 years

Account currency – BYN

Mastercard Standard

Includes:

  • possibility to apply for a "Magnit" settlement card at a 50% discount of its value;
  • transfer of funds from a Shchodry Club Сard to other club cards, Magnit Installment Card,  BELKART Student Card of 3 recipients selected by the client, free of fee;
  • conclusion of a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount;
  • "SMS notification" service for debit and credit transactions on the card without a remuneration within the first 3 months;
  • refund (cashback) of up to 12% to the account.

"Persona" Club (Visa Platinum)

"Persona" club leads to a world of exclusive offers and highest service quality. "Persona" club is one of the most prestigious offers of the bank for the most exacting and wealthy customers who travel often, know the value of time and are used to receiving high quality service.

Visa PlatinumVisa Platinum

Validity period – 2 years

Account currency – BYN, EUR, USD, RUB

  • premium service (only when an agreement for personal service within the "Persona" club is concluded).
  • possibility to visit VIP-halls of airports around the world within the Lounge Key program (2 free visits).
  • possibility to open a term irrevocable bank deposit in Belarusian rubles "Successful Irrevocable".
  • possibility to order a service of trust management of funds in foreign currency.
  • special conditions for overdraft loans.
  • insurance against incidents and sickness during a trip abroad for the cardholder (CJSIC "Promtransinvest").
  • conclusion of a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount;
  • account statement for any period.
  • refund (cashback) of up to 12% to the account.
  • SMS notification of debit and credit transactions;
  • notification of the card validity expiration date by sending an SMS notification;
  • service of changing the PIN-code for the main card;
  • use of M-Bank service within the "Full" package;
  • order of Masterсard Gold/Visa Gold cards in the amount of 1 main and (or) 2 additional Masterсard Gold/Visa Gold cards which are not subject to special conditions of the "Persona" club, as per customer choice;
  • urgent card issuing within the club for customers of bank's branch offices located in Minsk.

"Persona" Club (Mastercard World Black Edition)

"Persona" club leads to a world of exclusive offers and highest service quality. "Persona" club is one of the most prestigious offers of the bank for the most exacting and wealthy customers who travel often, know the value of time and are used to receiving high quality service.

Mastercard World BlackMastercard World Black Edition

Validity period – 2 years

Account currency – BYN, EUR, USD, RUB

  • premium service (only when an agreement for personal service within the "Persona" club is concluded);
  • possibility to visit VIP-halls of airports around the world within the Lounge Key program (4 free visits).
  • possibility of making a term irrevocable deposit in Belarusian rubles "Successful Irrevocable";
  • possibility to order a service of trust management of funds in foreign currency.
  • special conditions for overdraft loans.
  • insurance against incidents and sickness during a trip abroad for the cardholder (CJSIC "Promtransinvest"), and voluntary insurance of the cardholder against injury "Express" in the territory of the Republic of Belarus at initial recourse (BRUIC "Belgosstrakh");
  • conclusion of a voluntary insurance agreement (BRUIC "Belgosstrakh") at a 15% discount at subsequent recourses;
  • concierge service;
  • SMS notification of debit and credit transactions;
  • notification of the card validity expiration date by sending an SMS notification;
  • service of changing the PIN-code for the main card;
  • use of M-Bank service within the "Full" package;
  • order of Masterсard Gold/Visa Gold cards in the amount of 1 main and (or) 3 additional Masterсard Gold/Visa Gold cards, as per customer choice;
  • urgent issuing of cards within the Club for customers of bank's branch offices located in Minsk.

Peculiarities of issuing cards to individuals – non-residents 

Cards for non-resident individuals

Types of cards available

BELKART, BELKART Student Card, BELKART Photo Card, BELKART Children's Photo Card, BELKATRT Children's Card, BELKARD Maestro, Maestro, Mastercard Standard, Mastercard Gold, Visa Classic (including virtual cards), Visa Classic Lady Card, Visa Gold, Visa Platinum (Persona Club)

Where to get a payment card

In an office of the bank.

A virtual card can be obtained via Internet banking.

Documents required (to obtain a card in a bank's office)

- an ID document;

- a notarized translation of the ID document;

- information about the individual's registration in the Republic of Belarus (permanent/temporary residence permit in the Republic of Belarus) - if available;

- an employment confirmation certificate of the non-resident individual, if the individual is permanently employed.

Security deposit requirement

Security deposit requirement applies to the following card types:

- Visa Classic, Masterсard Standard, Visa Classic Lady Card;

- Visa Gold, Masterсard Gold, Visa Platinum (Persona Club) .

Security deposit requirement does not apply to:

a non-resident individual who has an account with the bank and his/her salary has been permanently (during more than three months) credited to that account, which is confirmed by an account statement.

virtual Visa Classic card 

Size of Security Deposit

A security deposit is an amount deposited with the bank to ensure the fulfillment of the client's obligations associated with the performance of card operations to the extent of the established overdraft limit and (or) account balance.

Mastercard Standard, Visa Classic, Visa Classic Lady Card

No.

Operation

Mastercard Standard, Visa Classic, Visa Classic Lady Card

USD account

EUR account

RUB account

BYN account

1.

Security deposit per one card:

 

 

 

 

1.1.

of a non-resident individual who has no permanent employment and (or) registration in the Republic of Belarus (permanent-temporary residence permit in the Republic of Belarus)

300 USD

300 EUR

22000 RUB

650

BYN

1.2.

another non-resident individual 1

150 USD

150 EUR

11000 RUB

325

BYN

 

Interest accrued on the amount kept on the security deposit account, % per annum2

0.1

0.1

0.1

0.5

1 Security deposit requirement does not apply to a non-resident individual who has an account with the bank and his/her salary has been permanently (during more than three months) credited to that account, which is confirmed by an account statement.

Security deposit requirement in accordance with the established security deposit size applies to non-resident individuals who do not have an account with the bank. The non-resident individual's employment in the Republic of Belarus is confirmed by an employment confirmation certificate.

The non-resident individual's employment confirmation certificate and account statement are kept on file together with the card agreement.

2 For international multicurrency cards and cards connected with USD accounts issued before 01.10.2011, interest on the security deposit is accrued in accordance with the following interest rates:

USD 0–499 USD – 4 % per annum;

USD 500-999 USD – 5 % per annum;

USD 1000–499 USD – 6 % per annum.

For international cards issued within the period from 01.10.2011 till 29.04.2016, interest on the security deposit is accrued in accordance with the following interest rates:

cards linked to USD, EUR, RUB accounts - 4% per annum;

cards linked to BYR accounts - 1/2 of the reference rate of the National Bank of the Republic of Belarus.

Visa Gold, MasterCard Gold, Visa Platinum (Persona Club)

No.

Operation

MasterCard Gold, Visa Gold, Visa Platinum (Persona Club)

USD account

EUR account

RUB account

BYN account

1

Security deposit per one card:

 

 

 

 

1.1.

of a non-resident individual who has no permanent employment and (or) registration in the Republic of Belarus (permanent-temporary residence permit in the Republic of Belarus)

500 USD

500 EUR

37000 RUB

1100

BYN

1.2.

another non-resident individual 1

250 USD

250 EUR

18500 RUB

550

BYN

 

Interest accrued on the amount kept on the security deposit account, % per annum2

0.1

0.1

0.1

0.5

1 Security deposit requirement does not apply to a non-resident individual who has an account with the bank and his/her salary has been permanently (during more than three months) credited to that account, which is confirmed by account statement.

Security deposit requirement in accordance with the established security deposit size applies to non-resident individuals who do not have an account with the bank. The non-resident individual's employment in the Republic of Belarus is confirmed by an employment confirmation certificate.

The non-resident individual's employment confirmation certificate and account statement are kept on file together with the card agreement.

2 For international multicurrency cards and cards connected with USD accounts issued before 01.10.2011, interest on the security deposit is accrued in accordance with the following interest rates:

USD 0–499 USD – 4 % per annum;

USD 500-999 USD – 5 % per annum;

USD 1000–499 USD – 6 % per annum.

For international cards issued within the period from 01.10.2011 till 29.04.2016, interest on the security deposit is accrued in accordance with the following interest rates:

cards linked to USD, EUR, RUB accounts - 4% per annum;

cards linked to BYR accounts - 1/2 of the reference rate of the National Bank of the Republic of Belarus.

International cards of Belarusbank include low cost Maestro cards, cards with wider possibilities Visa Classic, MasterCard Standard, prestigious Visa Gold, MasterCard Gold, and premium class cards Visa Platinum, MasterCard World Black Edition.

Possibilities of international cards

 International cards of the bank allow:

  • paying for goods and services in trade and service enterprises all over the world;
  • receiving discounts when paying for goods and services in a number of trade and service enterprises within the framework of the bank's loyalty programs;
  • make payments and use a wide range of services in infokiosks, ATMs and offices of the bank;
  • making payments using Mobile banking and Internet banking;
  • shopping online;
  • withdrawing cash, including foreign currency, in ATMs and offices of the bank over the whole territory of the Republic of Belarus and abroad;
  • enjoying various benefits granted by Visa, MasterCard and other payment systems, which includes participation in advertising campaigns (games, actions) conducted from time to time by the said payment systems.

Applying for a card

To set up an account and apply for a card of Belarusbank:

- turn to any branch, Banking Services Center of Belarusbank;

- present a personal identification document*;

- sign an agreement.

*Documents furnished to an office of Belarusbank must be made in Russian or Belarusian or must be translated into Russian or Belarusian, in this case correctness of the translation must be attested notarially or the translation must be certified (attested) by a foreign designated person (body, institution) within their competence.

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