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

Belcard_plastic

BELKART

Account currency BYN

Validity period 3 years

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BELKART "For Students"

(Studencheskaya)

Account currency BYN

Validity period 3 years

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BELKART "For Children" (Detskaya)

Account currency BYN

Validity period up to 35 months

image004

BELKART "PhotoCard for Children"

(Detskaya PhotoKarta)

Account currency BYN

Validity period up to 2 years

image005

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

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

Visa Classic

Account currency BYN, USD, EUR, RUB

Validity period 3 years

mastercard

Mastercard Standard

Account currency BYN, USD, EUR, RUB

Validity period 3 years

visagold

Visa Gold

Account currency BYN, USD, EUR, RUB

Validity period 3 years

mastercardgold

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.

image013Mastercard 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.

image014BELKART-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.

image016BELKART-PREMIUM-Maestro/Visa Electron

Validity period 3 years

Account currency BYN, EUR, USD, RUB

image015_1

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!

image017_1Mastercard 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

image019

Includes:

  • possibility to apply for a "Magnit" settlement card at a 50% discount of its value;
  • transfer of funds form the "Shchodry" club card to other club cards and a "Magnit" settlement card of 3 recipients selected by the customer without a remuneration;
  • 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.

image020Visa 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 Masterard Gold/Visa Gold cards in the amount of 1 main and (or) 2 additional Masterard 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.

image021Mastercard 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 Masterard Gold/Visa Gold cards in the amount of 1 main and (or) 3 additional Masterard 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

For non-residents with a regular place of work and registration in the Republic of Belarus (permission for full-time/part-time residence in the Republic of Belarus)

Cards that can be issued

The whole list of bank's products (apart from BELKART-Maestro, BELKART-PREMIUM-Maestro within the "Barkhat" club, Mastercard World within the Carte Blanche club, BELKART-PREMIUM-Maestro, Visa Electron within the # On Your Marks club, Mastercard Standart, BELKART-Maestro within the "Shchodry" club, Visa Platinum, Mastercard World Black Edition within the "Persona" club and Magnit installment card).

Where to obtain a payment card

In a branch office of the bank.

Necessary set of documents

- personal identification document;

- notarized translation of the personal identification document;

- details of registration in the Republic of Belarus (permission for full-time/part-time residence in the Republic of Belarus);

- confirmation of employment from the place of work of an individual - non-resident.

Setting up a security deposit*

A security deposit is set up when the following cards are issued:

- Visa Classic, MasterCard Standard, Visa Classic Lady Card (amount of security deposit);

- Visa Gold, MasterCard Gold (amount of security deposit).

A security deposit is not set up for a non-resident individual, who has an account to which salary is credited regularly (for more than three months), which is confirmed by a statement of the correspondent account.

*security deposit means funds deposited with a bank to secure fulfillment of customer's obligations for performance of transactions within the fixed overdraft limit and (or) balance of customer's account when using cards.

For non-residents with no regular place of work and (or) registration (permission for residence in the Republic of Belarus)

Cards that can be issued

To be used only in the Republic of Belarus BELCART, BELCART PhotoCard(PhotoKarta), BELCART For Children (Detskaya), BELCART PhotoCard for Children (Detskaya PhotoKarta), BELCART For Students (Studencheskaya).

International cards: Visa Classic, MasterCard Standard, Visa Classic LadyCard (LadyKart), Visa Gold, MasterCard Gold.

Where to obtain a payment card

In a branch office of the bank.

Necessary set of documents

- personal identification document;

- notarized translation of the personal identification document.

Setting up a security deposit*

A security deposit is set up when the following cards are issued:

- Visa Classic, MasterCard Standard, Visa Classic Lady Card (amount of security deposit);

- Visa Gold, MasterCard Gold (amount of security deposit).

*security deposit means funds deposited with a bank to secure fulfillment of customer's obligations for performance of transactions within the fixed overdraft limit and (or) balance of customer's account when using cards.

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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