Interest accrual on the balance and cashback

1. Log in to your Uralsib Bonus personal account and go to the “Travel” section.
2. Select a ticket, hotel, or car.
   
3. Fill in all the required fields and choose additional services.
   
4. Specify that bonus rubles will be used to pay for the order.
   
5. Complete the payment and place the order.
   

For payment, you can use any bank card or pay up to 100% of the cost of the selected service with bonus rubles.

The exchange rate for bonus rubles in the “Travel for Bonuses” section is: 1 bonus ruble = 1 ₽.

You can also convert bonus rubles into RZHD Bonus points. This will allow you to use them to purchase rail tickets or enhance the comfort of your journey.

To do this, you need to:

1. In your Uralsib Bonus personal account, go to the “Partner Bonuses” section.
2. Enter the RZHD Bonus account number. You can transfer bonus rubles both to your own account and to the account of your relative or friend.
   
3. Enter the amount of bonus rubles to exchange. Minimum 100 bonus rubles. Exchange rate: 1 bonus ruble = 1 RZHD Bonus point.
   
4. Confirm the transaction.
   

The bonuses will be credited to the RZHD Bonus account within 10 business days.

• The validity period of bonus rubles is 12 months from the date they are credited. This means that bonus rubles that you did not use within 12 months after they were credited expire.
• The balance of bonus rubles in the account is reset in full if there are neither accruals nor write-offs to the bonus account for 6 months.
  
• If the overdue period for any credit products exceeds 30 days, the balance of bonus rubles is reset in full. Accrual of bonus rubles will be restored only one month after the overdue debt is fully repaid.

There are three ways to spend bonus rubles:

• Compensate a purchase with bonus rubles and receive cashback in the amount of one of the purchases made.
• Use bonus rubles for partial or full payment of rail and air tickets, hotel booking, or car rental in the Travel for Bonuses section. 
• Exchange bonus rubles for RZHD Bonus points — they can then be used to purchase rail tickets or upgrade the comfort of your trip.

In the personal account of the mobile app or the Uralsib Online web version. 

To do this, you need to:

1. Find on the main screen the button labeled «Uralsib Bonus» or the Uralsib logo and the amount of accrued bonus rubles.
2. Tap the button and go to the Uralsib Bonus personal account. There you will be shown the accrued bonus rubles.

In your personal account, you will be able to:

• find out the amount of accrued bonus rubles, 
• view the latest credits to the bonus account and transaction history,
• compensate purchases, 
• exchange bonus rubles for travel bonuses or for RZD points,
• purchase something with cashback of up to 30% in stores and services from the «Online Partners» section.

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 under the «Premium banking» service package, «Private Banking» / «Private» are credited monthly on the 10th day of the month following the month of spending.

Bonus rubles for assets under 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 with partners in the «Online Partners» section are credited upon confirmation by the partner, on average within 45 days after the purchase is made.

To exchange bonus rubles for cashback, you need to:

1. Make purchases with your card that are eligible for compensation with bonus rubles. These may include purchases in selected categories or from the bank's partners. The card must also be enrolled in the loyalty program.
2. In a month, bonus rubles will be credited to you.
3. Go to your loyalty personal account and select a purchase for compensation.
4. Confirm the exchange of bonus rubles.

Purchases in the amount of 1 500 to 50 000 ₽ for the previous calendar month will be available for compensation.

Before the exchange, make sure that you have an active card in rubles and that it is enrolled in the Uralsib Bonus program. According to the Program Rules, funds may be credited only to a card account in rubles. Otherwise, the exchange transaction will not go through, and the bonus rubles will be returned to your bonus account.

To receive interest on the balance on the Pribyl Card, set a PIN code for the card, maintain a balance of up to 1,000,000 rubles during the month, and pay for purchases with the card. Interest will be paid every month on the date the PIN code was set for the card.

How interest on the balance is accrued for the Pribyl Card

1. Activate the card
   On June 21, you received the Pribyl Card and set a PIN code. Now the 21st is the date interest will be paid on the balance of funds in your card. This date will be different for each card.
2. Put money on the card and do not withdraw it
   On June 21, deposit up to 1,000,000 rubles into the account and keep them on the card until July 21.
3. Make purchases
   From July 1 to 31, pay for your regular purchases with the card. To receive the maximum interest on the balance, you need to spend at least 10,000 rubles. In the first month after receiving the card, we will accrue increased interest on the daily balance even if you did not have time to spend 10,000 rubles. In the next month, the interest on the balance will be maximum only if you spend at least 10,000 rubles.
4. Receive interest
   On July 21, we will accrue 12% per annum on the daily balance for the period from June 22 to July 21 in accordance with the tariffs.

What else is important to know

• Payment date

  It is unique for each card and coincides with the date the PIN code was set.
• Interest calculation 
  Calculated daily on the actual balance of funds on the card at the beginning of the day. For example, if the PIN code for the card was set on June 21, the interest period will run from June 22 to July 21 and then on the same dates each month.
• Interest rate

  Depends on the amount of purchases in the previous month and the balance in the account. If the conditions are not met, interest will not be accrued. 
  To receive the maximum rate, two conditions must be met:
  — Purchase amount — at least 10,000 rubles per month.
  — Balance in the card account — up to 1,000,000 rubles. No interest is accrued on any amount above this.
• Interest payment

  Interest is paid to the card account monthly on the date the PIN code was set. The card interest payment date can be viewed in your personal account on the website or in the mobile application.
• Weekends and holidays
  If the payment date falls on a non-working day, interest will be accrued on the nearest business day.
• Interest when closing the card

  If the card is closed before the end of the interest accrual period, interest for an incomplete period will not be paid. For example, if you opened the card on June 21, the card can be closed no earlier than the 22nd of each month in order to receive interest on the balance for the month.

1. Interest accrual on the balance of the card account up to 1 000 000 rubles:

• With turnover of at least 10 000 rubles — 12%.
• In other cases — 0%.

2. Interest accrual on the balance of the card account above 1 000 000 rubles — no interest is accrued

* Not all cashless expense transactions are taken into account. The list of exceptions can be found in the “List of merchant type/MCC codes” in the section "Tariffs & fees - "Debit cards"

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 Uralsib Bonus section.

Interest is calculated daily on the actual account balance at the beginning of the day. This means that if funds were deposited on Monday, interest on them will start accruing from Tuesday.

The interest rate is determined taking into account the amount of spending for each previous calendar month.

Interest is paid monthly on the card opening date through capitalization — crediting to the account. If the interest payment date falls on a weekend or public holiday, interest is paid on the next business day.

The website and the Uralsib app show annual interest rates. If the account is closed before the end of the interest period, interest for an incomplete period is not paid.