Accrual of interest on balance and cashback

Bonus rubles for purchases in categories are credited separately for each transaction. You can view accruals in the "Transaction History" section of your personal account.

Bonus rubles for holders of the "Premium banking" and "Private Banking"/ "Private" service packages are credited monthly on the 10th day of the month following the month of spending.

Bonus rubles for assets for holders of the "Premium banking" service package are credited as a separate amount on the 26th day of the month following the month of spending.

Bonus rubles for purchases from partners in the "Online Partners" section of the loyalty account are credited upon confirmation by the partner, on average 45 days after the purchase is made.

To exchange bonus rubles for cashback, you need to:

• make, during the previous calendar month, purchases with cards connected to the loyalty program that are eligible for reimbursement with bonus rubles,
• log in to your loyalty account and select a purchase for reimbursement,
• confirm the exchange of bonus rubles.

Purchases in the amount of ₽1,500 to ₽50,000 made during the previous calendar month will be available for reimbursement.

Before the exchange, make sure that you have an active ruble card connected to the Uralsib Bonus program – according to the Program Rules, funds may be credited only to a ruble card account. If only your foreign currency cards are connected to the program, the exchange transaction will not go through and the bonus rubles will be returned to your bonus account.

In Uralsib Online internet or mobile banking on the main page or in your loyalty account.

There are three ways to spend bonus rubles:

·        receive cashback in the amount of one of the purchases made, that is, compensate a purchase with bonus rubles,

·        use bonus rubles for partial or full payment for rail and air tickets, hotel booking or car rental in the section "Travel for Bonuses"

·        exchange bonus rubles for RZHD Bonus points — they can then be used to purchase rail tickets or enhance the comfort of your journey.

3 categories to choose from

Each month, select and confirm 3 categories out of 5 offered in your Uralsib Bonus personal account in the «Favorite categories» section and pay for purchases with Uralsib cards. Bonus rubles will be credited immediately after the transaction is processed. On average, this takes about 3 days.

Up to 30% with partners

Receive an additional up to 30% in bonus rubles in stores and services from the Uralsib Bonus personal account in the «Online Partners» section

More details in the section Uralsib Bonus.

1% on all purchases with all cards participating in the Uralsib Bonus program

Make purchases during the calendar month and we will credit 1% of your spending to your bonus account with no additional conditions

up to 30% with partners

Receive an additional up to 30% in bonus rubles at stores and services listed in your Uralsib Bonus personal account under the "Online Partners" section

Learn more in the Uralsib Bonus section.