Matska kartka. Belinvestbank mozna card Powerful card

Discount program

Payment for goods and services in stores, including via the Internet and abroad

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• bonus program
• Cash withdrawal from ATMs, bank cash desks, by mail
• Monthly statement with detail

More about the discount program "Moznaya kartka"

Belinvestbankthe firstfrombanksBelarusproposesFor clientscards,participatingin the program "Motsnaya kartka".

Loyalty program "Motsnaya kartka" is a new word in the field of marketing on the Belarusian market. This is a coalition loyalty program that includes the leading trade enterprises of Belarus and branded trade networks of Belarusian manufacturing enterprises. The program is implemented on the basis of the cards of the national payment system BELKART.

All information about the amount of discounts, the conditions for their provision, about participating enterprises and details of the loyalty program can be found on the special website of the loyalty program - www.bestcard.by and by calling the Contact Center: (+375 29) 311-99-68 ( A1), (+375 33) 359-99-68 (MTS), (+375 17) 336-85-84 (city).

"Motsnaya kartka" - for flat people!

More about the discount Bonus program

Read more about Coupon as a gift from Motsnai Kartki!

New caring service "Coupon for a gift" from "Motsnai Kartki"!

The Motsnaya Kartka loyalty program has prepared an excellent opportunity to make an original and useful gift and, at the same time, not spend a penny of money!

All Motsnaya Kartka holders registered on the website www.bestcard.by can not only receive a coupon for a profitable discount from the Motsnoy Kartka catalog for points, but also give the coupon to a loved one, friend or colleague!

To make a pleasant and unexpected surprise you just need:

1. Get a discount coupon

2. Go to the section of your personal account "MY ORDERS", find the selected coupon and click the "GIFT" button

3. Enter your recipient's email address in the field, write a few words of welcome in the cover letter and confirm the coupon has been sent

In a few minutes your friend will receive a letter from you with a surprise! Make gifts with Motsna Kartkai!

More about the Motsnaya Kartka Charity Program

If you pay for Motsnai Kartkai your usual purchases at enterprises participating in the Motsnaya Kartka charity program, then the participating company or operator of the loyalty program (ProfMarketSystem LLC) transfers from each such purchase to the Motsnaya Kartka charity fund at its own expense. »A certain percentage (from 0.3% to 1% of the purchase amount). The funds received by the fund are used to pay for the treatment of children with cancer.

At the same time, the discount for the "Moznai Kartka" in the participating enterprise remains in full.

Companies-participants or the operator of the loyalty program pay payments to the charitable foundation in full at their own expense, therefore this function is free for the cardholder.

But your every purchase becomes truly important and valuable!

Enterprises in which money is transferred from each of your purchases to a charitable foundation: https://help.bestcard.by/

Moznaya kartka: when it is so easy to help!

Fee for the issue and maintenance of the BELKART-PREMIUM-Maestro card during its validity period:
	7 white rub. 50 k. when registering a card in a subdivision of Belinvestbank OJSC
	6 white rub. when issuing a card using the Internet banking / Mobile banking system
Account currency:	BYN
Card expiry date:	5 years
Percentage remuneration on the account:	0,01%
Access abroad:	connection in the subdivision for a fee in the amount of 5 BYN, Internet banking / Mobile banking free of charge
Access to the Internet:	connection using the system Internet banking / Mobile banking free of charge
How to arrange:	Cards (and additional cards to them) can be issued: - in the Internet banking / Mobile banking system - in any division of Belinvestbank OJSC

Cash withdrawal commission:

at ATMs of OJSC Belinvestbank, OJSC ASB Belarusbank, OJSC "Belagroprombank"	within the account balance
	at the expense of overdraft
at cash withdrawal points of OJSC "Belinvestbank"	within the account balance
	at the expense of overdraft
in other ATMs of banks-residents of the Republic of Belarus * the commission of another bank for the withdrawal of funds at cash withdrawal points is not included.	2.5% (minimum 2 Belarusian rubles) within the account balance
	2.5% (minimum 2 Belarusian rubles) at the expense of overdraft
by card at cash withdrawal points of banks-residents of the Republic of Belarus * * except for cash withdrawal points of OJSC Belinvestbank	2.5% (minimum 2 Belarusian rubles)
by card at ATMs of banks - non-residents of the Republic of Belarus	2.5% (minimum 5 BYN)
cashless payments in trade (service) organizations	0%

The essence of the project is that upon payment, the bearer of Motsnai Kartki»May receive a discount on the purchased product or a bonus, which can subsequently be exchanged for a real discount.

There are two ways to make money, although it would be more accurate to say “save” using Motsnai Kartkai:

1. Discount program;
2. Bonus program.

Discount program - these are purchases in partner stores of the Motsnaya Kartka loyalty program. Each holder of "Mocnai Kartki" upon purchase is provided with a discount: for a specific product or for the total amount of the check. Note that it is not necessary to pay for Motsnai Kartkai, you can simply present it.

The bonus program is valid at all retail outlets where credit card payments are accepted. For each payment "Motsnai Kartkai" a bonus is credited to the owner's personal account - 1 point for 10 BYN. Then these points can be exchanged for real discounts from members of the loyalty program.

In addition to supporting the system of discounts, Motsnaya Kartka offers all the usual features of a bank card. With its help you can:

• pay in stores and online services:
• connect Internet and SMS banking services;
• transfer and withdraw salaries and other payments;
• get a loan or overdraft;
• carry out other, usual for a bank card, operations.

On the official website of OJSC "Belinvestbank" http://www.belinvestbank.by in the section "Individuals", subsections - "Payment cards", "For purchases and travel" you can find a product - BELKART-PREMIUM-Maestro "Motsnaya kartka".

Belinvestbank offers to pay for the Motsnaya Kartka service at the same rates as for other cards.

Motsnaya kartka of Belinvestbank. List of stores. Discount and Bonus program

The discount program "Moznaya kartka" is valid when the cardholder makes settlements with enterprises participating in the loyalty program. Their list continues to grow. We have already mentioned the differences between the discount program and the bonus program. Ultimately, a real discount can only be obtained from loyalty program members. But here, too, some nuances should be taken into account:

The amount of discounts for a product (product or service) is determined by the seller. It is better to find out about this in advance, on the website www.bestcard.by. In the section "Discounts for" Motsnai Kartka "there is a list of partners, very conveniently divided by city and industry.

Partner stores should be discussed separately. They were not particularly evenly distributed among the sales directions.

The size of the discount depends on the trade organizations and can be provided in the amount of 3, 5, 7, 10, 20%:

• Online Stores
• Products and manufactured goods
• Construction and household goods
• Clothes, shoes and accessories
• Cosmetics and perfumery
• Auto, gas station and service

Most of the sellers of clothing and footwear. Discounts in this category can be up to 20%.

The program has many partners in the construction industry. In the category you can find famous stores and get pleasant discounts.

There are also online stores on the list, some of which are well-known.

Getting discounts on the bonus program is more difficult than just presenting the card. To do this, you will have to register on the www.bestcard.by portal, enter your personal account, monitor the accrued bonuses (points), change them to coupons for discounts. But the very idea of ​​getting discounts in some stores for purchases in others seems very interesting.

Motsnaya kartka of Belinvestbank. Application practice

It is easy to get Belinvestbank OJSC. You need to either write a statement about this in one of the (inexperienced clients should do so), or place a request on the website http://www.belinvestbank.by. In the department, ordering a card will cost 7 rubles 50 kopecks "new", on the website - 6 rubles. If the "Motsnaya kartka" is issued as a salary card, then there is no need to pay for its issuance.

Before issuing a card, it makes sense to get acquainted with the Public Offer Agreement, all the rules for further relations with the Motsnaya Kartka service are spelled out there. The text can be found on the website www.bestcard.by, "button" at the bottom of the page. The Offer names the operator of the Motsnaya Kartka system - ProfMarketSystem LLC.

In the Agreement, customers are warned in advance that the amount and conditions of discounts are determined by the sellers. They also warn, strictly and repeatedly, about the inadmissibility of violations and abuse of the rules and other unfair actions of the cardholder. They warn about the possibility of changes in the terms of the contract and the obligation of the client to independently monitor such changes.

The offer designates in advance a list of operations to which discounts and bonuses will not apply. It:

• all operations of account replenishment and cash withdrawal;
• credit transactions;
• payment of utilities and other settlements through ERIP;
• transfers to another card, account, mobile wallet;
• payments abroad;
• operations related to gambling business, incl. lottery.

Belinvestbank OJSC and ProfMarketSystem LLC do not interfere with the relationship between the seller and the buyer not related to the implementation of the Loyalty Program.

After careful reading of the Offer, the hopes for "freebies" noticeably fade (they will completely disappear later, when shopping), but there is no catch in the conditions.

The situation with the program partners is much more interesting. Typically, advertisements advertise the maximum possible discounts, but do not say anything about which specific products these discounts apply to. Other obstacles and restrictions are also modestly silent.

Can the "Motsa kartka" be considered a profitable service? When buying a promotional product with a card, the winnings are obvious. Taking into account the bonus program - even more so. But you can only assess the real benefits yourself by comparing specific amounts.

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November 18, 2014 13864

November 18, 2014 BELKART presented a new loyalty program "Motsnaya Kartka". As the director of BELKART Alexander Sotnikov noted, the state has been making significant efforts in recent years to increase the level of non-cash payments.

"However, if there is only one" stick "in the form of significant regulatory changes, it will be very difficult to gain trust, therefore, a" carrot "should appear in the form of cost-effective motivation of market participants to preferentially use non-cash payments", - emphasized the director of BELKART.

The program "Motsnaya kartka" is intended to become such a gingerbread. Both trade and service enterprises and banks can participate in the program.

The loyalty program implies that by paying with a card issued by a bank participating in the program, you can get a discount from trade and service facilities participating in the same program.

Among the first: AXIS, the Belorusneft gas station chain, Belvest, the Black Red White furniture store chain, Buslik stores, the Vitalyur retail chain, GUM, KRAVT, LODE, the Mila chain of stores, OMA, the Native side ”and some others.

Negotiations are still underway with some large retail chains, but Motsnaya Kartka is open to everyone.

Screen from the site bestc ard.by

Interestingly, discount programs are already in place in many of these retail chains. For example, in Vitalure the discount even now reaches 5%. Now, about the same discounts and on the same terms are provided under the "Motsnaya kartka" program. We warn you right away - discounts are not cumulative.

Screen from the site bestcard. by

Discounts under the program "Motsnaya kartka" in the network of filling stations of "Belorusneft"

The attendees present a new loyalty program

The only bank that so far participates in the program - Belinvestbank... According to Alexander Sotnikov, agreements for participation have already been concluded with BPS-Sberbank and Technobank... Two more Belarusian banks are at the stage of concluding agreements.

In reality, the "Motsnaya Kartka" in Belinvestbank was embodied in the co-badging card BELKART-PREMIUM - Maestro.

Advantages of the new card product, which were noticed by Belinvestbank:

there is a system of discounts operating on the card, and the opportunity to participate in bonus programs. The card can replace a couple of dozen discount cards.

presence of a chip

cardholders are subject to the "zero liability principle"

you can pay by card abroad and on the Internet

On the back of the card, the barcode familiar from the price tags for goods

There is one small but significant drawback. The card can only be a payment card. Representatives of Belinvestbank commented on this situation as follows - the bank has savings cards, if “surplus” funds appear on the “Motsnaya Kartka”, they can be transferred to a “savings bank”.

Perhaps the next bank that will take part in the loyalty program will be able to offer a link to a deposit or a savings function of "Motsnykh" cards. Then, most likely, the market is behind it.

In the meantime, Belinvestbank plans to issue about 100 thousand new cards per year. Within the framework of salary projects, cards are supposed to be issued free of charge. When ordering through Internet banking, the cost of registration and maintenance of the "Mozna card" for 5 years will be 40 thousand. For a person "from the street" it will cost 50 thousand.

The bonus program provides for the accrual of 1 point for every 100 thousand Belarusian rubles with which you paid for purchases. Points are added up.

Screen from the site bestcard.by

What can you "spend" points on?

BELKART presented a new program, Belinvestbank presented a new card. It can be noted that in this case the new is the well-tested old. We will wait for new cards from Belarusian banks as part of the Motsnaya Kartka loyalty program.

Do you have a lot of discount and bonus cards from various retail chains in your wallet?

Do you have a lot of discount and bonus cards from various retail chains in your wallet? Now you do not need to carry them with you - one payment card is enough to receive discounts! "Motsnaya kartka" - this isdiscounts from popular shops and service enterprises on the card of your bank!

"Motsnaya kartka" Is a premium-class bank payment card BELKART, with which you can not only pay in all stores, withdraw cash from ATMs, but also receive using it discounts from enterprises participating in the loyalty program.

For the first time in the Republic of Belarus, the Motsnaya Kartka loyalty program united several banks and more than 30 different retail chains of the Republic of Belarus (Mila, etc.), a chain, pharmacies and other trade and service enterprises. Each of the participants of the loyalty program provides individual discounts to holders of BELKART "Motsnaya Kartka" salary and personal cards.

Where can I get a discount?

If you see such a sticker on the door of the company or at the checkout, then this company participates in the loyalty program and provides discounts to the holders of the Motsnaya Kartka card.

Our partners

More than 60 companies in more than 1,300 points of sale provide discounts on Motsnai Kartka. Among them:

And many more businesses!

Since July 1, 2015, customers are informed about the Motsnaya Kartka discount program on the online platform Catalog.TUT.BY.

How it works?

To get a discount in a store or service company, you just need to show it at the checkout before paying. On the back of each Mozna Kartka card there is a barcode and the loyalty program logo.

The barcode number on the card acts as an identifier for the card and the client.

The discount can be provided in two ways:

1. automatically when the cashier scans the barcode on the back of the card;
2. to bearer, thanks to the presence of the Motsnaya Kartka program logo on the back.

The conditions, procedure for granting a discount, as well as its amount are determined by each company independently and may change over time, so before making a purchase, read

Over the past few years, Belarus has been carrying out serious work to transfer all settlements to non-cash rails. Earlier it was customary to act with a "stick", but today a "carrot" was presented in Minsk. Belkart has launched a special republican loyalty program Motsnaya Kartka.

According to experts, everything works simply: you come with a new card to a trade facility that participates in the program, buy goods, and get a discount. The discount is provided automatically by reading the barcode from the back of the "plastic".

- When forming the concept of building our loyalty program, we took into account both world experience and national characteristics of the retail market and payment ecosystem,- says the director of "Belkart" Alexander Sotnikov. - The pool of trade enterprises is formed in such a way that the program includes representatives of each developed segment of the Belarusian trade and services market. At the same time, Belarusian brands enjoy certain preferences. The key difference between our loyalty program is the fact that the main audience is the holders of salary cards. This is a rather serious entry into the market, because we will provide "Motsnya kartki" according to a knurled scheme and a large number of holders. The second point is that this card combines a discount and bonus system.

Motsnaya kartka, according to Sotnikov, is a multibank and multibrand program. Any Belarusian banks and trade organizations can join it. The program will work only within the framework of the national payment system. Within the framework of a co-badging card (for example, Belkart-Maestro, like Belinvestbank, which was the first to join the program) discounts and bonuses will also work.

As of November 5, 17 players were involved in Motsnai Kartka. Among them are Axis, Apteka Group, Belorusneft, Belvest, Buslik, Vitalyur, GUM, Kravt, Lode, Mila, Oma, Rodnaya Storona, Laskal "," Westerly ". The current list and size of discounts can be found on the loyalty program website www.bestcard.by. In the near future, other large retail chains are expected to connect. The plans, representatives of "ProfMarketSystem" (the developer of the program), said the development of functionality and new services, including "the use of mobile devices and social networks for discounts."

The bonus program will be launched in December. For every 100,000 rubles spent, they will be credited by a point, and then the points can be exchanged for discounts.

Deputy Chairman of the National Bank Sergei Dubkov spoke about some of the innovations. In Belarus, it is planned to make it mandatory to activate the SMS notification service for payment card holders (if desired, the service can be canceled). But the paper check card, which is now issued in stores, will no longer be mandatory. Also, banks will be obliged to comply with the principle of zero liability of the owners of "plastic".