How to use a Beeline payment card. Review of Beeline payment cards

Not everyone knows that since 2014, in Beeline stores you can not only purchase a gadget or SIM card, but also get a Beeline Mastercard plastic card for free. The advantages of owning such a card largely lie in the bonuses that holders can enjoy, along with the standard functions of plastic.

Advantages of the Beeline Mastercard payment card

Since the appearance of this card is directly related to the customer loyalty program " Happy time”, then the bonuses that it provides are related to communication. By making purchases using non-cash payments - Beeline plastic, holders accumulate bonuses, which can then be spent either in stores mobile operator for the purchase of gadgets (only those listed in special list) or services cellular communications. 1% of bonus funds are returned to the card for any payment, 5% if a purchase was made or a service was purchased in establishments from special categories that are listed on the website. If you spend money on special promotions, then bonuses can reach 20%. (Categories and promotions appeared only in 2016.)

Users also receive free service, as well as card issue and reissue and SMS notifications about payments or promotions. You can transfer money between Beeline cards for free, and to a card from another bank too, but provided that the “Interest on balance” service is activated. You cannot set it up yourself; you need to contact the Beeline office. The annual rate is 9% with a minimum balance of 500 rubles. This service allows you to withdraw up to RUR 50,000 monthly. in cash without commission, whereas under normal conditions for receiving cash through an ATM the commission will be 1%, if you use bank cash desks - 4%.

You can also pay by card via the Internet (security is ensured by the 3D-Secure service), but you should know that when using Mobile Banking or the user’s personal account, bonuses for purchases will not be awarded.

Some conditions for using the card depend on its type - Masercard Standard or World. Bonuses are not awarded on Beeline MasterCard.

IN personal account users can also order a personalized contactless card with a chip, which allows contactless payments via the PayPass system. They will make it for free and deliver it to specified address Russian Post. Delivery cost – 200 rub.

Questions may arise about how to top up a Beeline card. There are several ways. For example, in Beeline salons or through your personal account using another bank card, this can be done for free. For interbank transfers, the percentage is set by the sending bank. Another method is ATMs, terminals and online services for transferring from card to card (for example, Yandex Money). These methods involve a commission, the size of which usually ranges from 0.5%.

Reviews on the Internet about the Beeline plastic card are mostly positive, although at first holders had difficulties using bonuses.

You can make a credit card from a Beeline plastic card of any type by contacting a communication center with a passport and another document confirming your identity. Depending on the credit history, type of card, you will be provided with a grace period for lending. You can submit an application for registration via the online form on the service website. On this moment you can borrow funds on your Beeline Mastercard from Tinkoff Bank or Alfa Bank.

It’s clear to say that one of them offers more profitable terms it is forbidden. However, credit cards from these banks have slight differences on almost every point.

• Thus, Tinkoff Bank works with holders aged from 18 to 70 years, while Alfa Bank has narrower boundaries - 21-65.
• Also, Tinkoff Bank provides loans up to 300,000 rubles, Alfa-Bank only up to 90,000 rubles. The lower threshold of limits is the same - from 15,000 rubles.
• Tinkoff Bank's interest rate is also slightly lower than Alfa's: 34.9% compared to 35.99%.
• But for withdrawing cash from credit, both banks charge the same amount of commission: 4.9% + fixed 500 rubles.

At the same time, if at Alfa-Bank the limit registration service does not cost a penny, at Tinkoff Bank you will have to pay 500 rubles. There is a slight difference in the grace period: up to 55 days for Tinkoff and up to 60 for Alfa.

Like any successful company, Beeline is constantly developing, and this is not only about optimization tariff plans and improving conditions for its clients. Following Euroset with its “Kukuruza”, the telecom operator began issuing payment cards with similar functionality.

The MasterCard card from Beeline is available not only to subscribers of this company, but also to clients of any other cellular operators. The card is used in the same way as a regular one Bank card– to pay for purchases on the Internet and in regular stores, to pay bills and much more. How does the Beeline payment card differ from its analogues?

Advantages

MasterCard Beeline has many features:

• The ability to pay bills around the world – wherever available electronic system payments.
• No service fees, free SMS notifications and account replenishment.
• Useful bonus system- for any purchases, and you can spend them on paying Beeline bills - for communications, Internet and TV. Additional bonuses can be obtained through promotions and as gifts on holidays.
• Benefit when converting rubles to other currencies - conversion occurs according to official rate Central Bank, without extra commissions.
• Availability special application for smartphones, through which it is easy to pay for communications, track transactions and transfer funds.
• Possibility of up to 300 thousand rubles with a two-month grace period.
• The international MasterCard system acts as a guarantor of transaction security.

Types of cards

A Beeline payment card can be issued in one of three options:

1. MasterCard World– available only to Beeline subscribers, differs in bonus size equal to 1.5% for each transaction.
2. MasterCard Standard– the amount of bonuses for this option is 1%, but in this case the registration can be made for a subscriber of any operator.
3. MasterCard PayPass is a chip-based personalized card with contactless technology. Can only be issued to those Beeline subscribers who already have one of the two main cards. The size of the bonuses, like that of World, is 1.5%.

How to get MasterCard Beeline?

MasterCard World and Standard are issued at one of the offices of the Beeline operator. If you have one of the options, you can exchange a regular plastic card for a contactless one.

Registration of MasterCard World

Any Beeline subscriber with a passport, regardless of length of service, can become the holder of such a card. Upon receipt, the account must be topped up with at least 3,000 rubles - premium clients can skip this step. There is no need to wait for activation; after registration, all you have to do is get your PIN code.

MasterCard Standard registration

Beeline opens up new opportunities for its clients. Now he issues a plastic cardMasterCard. You will learn about its features and use cases from the article.

What can a Beeline plastic card do?

WITH plastic card Beeline its owner has the opportunity to:

• Go shopping. If he does this abroad, then the currency is converted at the rate established by the Bank of Russia.
• Pay for goods and services ordered via the Internet.
• Make regular payments automatically.
• Transfer money.
• Make loan payments.
• Receive bonuses.
• Participate in promotions.

The card is issued and serviced free of charge. Beeline also provides a credit limit with the following options:

• use the money for 2 months on privileged terms (without %);
• collect extra bonuses;
• perform the same operations as with a debit card.

Unlike the MTS plastic card, which is serviced by the bank of the same name, Beeline credit is provided by Alfa-Bank.

1. To control your bonus account, write an SMS to 6119, writing “Balance” from the phone number that is linked to the plastic card. You will be informed about the remaining money and the number of bonuses.
2. To contact information center Beeline, you need to remember the code word. You will recognize it from the SMS on your phone, which will arrive immediately after purchasing a plastic card.
3. A place was provided for the signature on the “plastic”. Try to ensure that the autograph on the card and in the passport do not differ.
4. When paying for goods, you may be asked to confirm that the card is yours. Since, by analogy with the MTS-Money plastic card, the Beeline card is not personalized, take with you the agreement concluded when you issued the card.

January 2019

How many people know that in Beeline stores you can get not only SIM cards and buy a phone, but also get a Beeline MasterCard payment card. This project For several years now, Beeline has been implementing it together with the RNKO Payment Center, which successfully cooperates with Euroset and successfully issues Kukuruza cards. Therefore, the functionality of the Beeline card and the Kukuruza card is very similar in many ways.

In this review you will learn about the conditions and tariffs, all the nuances and features of the card, its advantages and disadvantages. The article also presents analogues and competitors of the Beeline card, and therefore we will try to answer the question: “Is it worth getting a Beeline card?”.

Tariffs and conditions for the card

• Card type— MasterCard Standard and World (only for Beeline operator clients). There is support for 3-D Secure for secure online shopping.
• Issue, reissue and annual maintenance- For free.
• SMS notification- For free.
• Interest on the balance (PNO) on the card account— from 3 to 7% per annum monthly.
• Withdrawal of own funds. If the transaction amount is over 5,000 thousand rubles - free of charge, if less, then 149 rubles per operation. Without a commission, you can withdraw no more than 50 thousand rubles per month, and if you exceed this limit, then the commission will be 2% of the withdrawal amount.
• Accrual of bonuses. You receive 1% of all purchases in any case, 5% for payments in “favorite” categories and up to 15% when paying with card partners.
• Transfers between Beeline cards- For free.
• Interbank transfers. Up to 100 thousand per month can be transferred without commission, above this amount - 0.5% of the transfer amount (min. 20, max. 1000 rubles)

Bonus program (cashback) on a Beeline card

Let's talk in more detail about the most interesting thing - the Beeline bonus program. As mentioned above, for every purchase you receive bonus points, which you can easily cash out in the future and turn them into discounts for yourself.

How to accumulate bonuses on a Beeline payment card

1. One percent always and everywhere You receive provided that you pay with a Beeline MasterCard (including on the Internet).
2. Increased bonuses in “favorite” categories. Each cardholder in the card’s personal account can independently select no more than 3 categories where he wants to receive as much as 5% “cashback”. The following options are currently available for selection: Restaurants; Cosmetics and perfumes; Sporting goods; Pets; Duty Free; Taxi; City transport and parking; Beauty Salons; Entertainment and taxi. As you can see, the list is quite extensive and interesting. Everyone will be able to choose the most frequently used categories and quickly earn bonuses for their purchases.
3. Special bonuses from partners. In addition to standard and increased bonuses, you can also get special bonus points from card partners. Among the partners are: Apteka.RU, Perekrestok, Litres stores and many others.
4. Especially for readers of our blog we are giving away a Beeline promo code for 300 points. To activate it you need to go to mobile app Beeline cards, on the left in the menu find the “Promotional Codes” section and indicate to enter the promotional code there: FR1POMQXV. After this, you need to make any purchase using the card in the store and 300 points will automatically be credited to your bonus balance.

By the way, if you plan to use a Beeline card to pay for purchases on the Internet, I recommend using it in conjunction with cashback services in order to get the maximum benefit from purchases on the Internet.

Recommendeduse the service LetyShops , where you can now get a premium account with a promotion.

How to spend Beeline card bonus points:

So, if you have accumulated bonuses for soybean purchases, then it’s time to start spending them. You can do this in several ways:

1. Cellular. In your Beeline card personal account, accumulated bonuses can be withdrawn to your mobile communications Beeline.
2. Beeline salons. If you often make purchases at Beeline communication stores, then you can turn bonus points into a discount when purchasing a phone or accessories. When paying for services, bonuses cannot be used.
3. Purchases from partners. Bonus points can also be used to pay with card partners in the online literature store Litres, the shoe chain KARI and the service for purchasing air and train tickets BILETIX.

Features of the Beeline bonus program

1. You can cash out bonus points for mobile communications in the amount of no more than 90% of the average monthly expenses for cellular communications over the last six months. Let’s say you spend 300 rubles a month on communications, then you can cash out no more than 270 bonuses per month.
2. Also, when paying with partners and Beeline salons, the same restriction applies. Only 90% of the check amount can be paid with bonuses.
3. When paying for housing and communal services, cellular communications, Internet, insurance services from the card or when making transfers from card to card, bonus points are not awarded.

Beeline credit card

Any Beeline payment card can become a Beeline credit card with a grace period of up to 55 days. In order to connect a credit limit to a payment card, you must leave a request on the card’s website or contact one of the Beeline offices. Previously, a credit limit could be obtained from two partner banks - Tinkoff and Alfa Bank. And now only Tinkoff Bank remains available.

Credit limit from Tinkoff Bank

• Age from 18 to 70 years old
• Credit limit amount up to 300,000 rubles.
• Commission for issuing a limit- 500 rubles.
• Grace period- up to 55 days.
• Interest rate— individually from 19.9%.
• Commission for withdrawal of credit funds— 4.9% + 500 rubles.

When applying for a credit limit on a Beeline card from Tinkoff Bank, keep in mind that once you apply for it, you will not be able to receive a Tinkoff credit card in the future, since the bank has a rule of one credit product in one hand.

Therefore, here you need to think carefully: “Do you need a Beeline credit card?” or it’s better to get a regular Tinkoff credit card. Most people prefer to use the second option - by which you can get a larger limit and bonus program more interesting.

Interest on balance - Beeline piggy bank card

A map that many call by bank card Beeline can be used not only as a credit card or a card only for payments, but also as a tool for storing funds.

The fact is that you can activate the “Interest on balance” service on the card, which will allow you to receive interest for storing your own funds. This service is paid and costs 99 rubles per month.

There are conditions, compliance with at least one of which will allow you to use the PNO service completely free of charge:

• In the first 2 months after issuing the card.
• The card always has a minimum balance of at least 3,000 rubles;
• Within a month, you topped up the card with a similar one. amount;
• You spend from 3,000 rubles on the card for a whole month.

By the way, interest rate, which is added to the balance depends on the amount you store on the card:

• From 15 thousand rubles to 100 thousand - 3% per annum.
• From 100 thousand to 300 thousand - 4% per year.
• From 300 thousand to 1 million - 6.5% per annum.
• Over 1 million rubles - 7% per annum.

If you store an amount of less than 15,000 rubles on the card, then practically no interest accrues (0.01% per year).

Any payment card holder can order a personalized Beeline card in their personal account with MasterCard PayPass contactless payment technology and a chip on the card. Card issuance and maintenance is also free. The only thing you have to pay for is delivery of the card by Russian Post, which costs 200 rubles.

How to top up a payment card

You can top up your Beeline payment card in several ways:

• In numerous Beeline offices- For free.
• Interbank transfer from another bank— the commission depends on the sending bank.
• By card number at ATMs, terminals and card-to-card transfer services - the commission depends on the service through which you send. On average, from 0.5%.
• From a card of another bank in the Beeline payment account. Perhaps this is the easiest and most convenient way to top up a payment card, since in your personal account you just need to link your salary or debit card and then, if necessary, “withdraw” money from there to the Beeline card. Beeline's commissions in this case no, but from the card you are debiting from, you need to look at the tariffs or it’s better to try to find out. The main thing is not to top up from a credit card of another bank. Almost 100% will be a commission.
• At MKB Bank ATMs. Since June 2017, it has become possible to top up your card account at ATMs in Moscow Credit Bank no commission.

How to get a PIN code

12/21/14. I am adding to the review

I accumulated 3300 rubles in bonuses and decided to spend them when buying a new phone.

I came to the salon under the sign of Beeline - it turned out that it was not Beeline, but Beeline Express (dealers) and for my bonuses they...you understand.

I came to the official Beeline salon. The consultants immediately said that they had never (!) been able to write off bonuses - the cash register freezes during this operation. They advised me to contact the Beeline Know-How salon, the consultant called this Know-How in front of me, clarified information about the availability of a telephone and the possibility of paying with bonuses. They said everything is fine, come. I've arrived. And then it turns out that you can pay not with payment card bonuses, but with bonuses under the Happy Time program.

I’m going to another Beeline salon (and this is already quite far from my city!) I arrived. And then they tell me information that you can spend bonuses not for any goods in the showroom, and according to the list! And there is no list of these products in the public domain - not on the website, nowhere! You need to ask Beeline employees and they will look in their database. The required phone number Naturally, it wasn’t there. They offered me an iPhone and a Blackberry.... The employee herself admitted that she has a lot of bonuses and she cannot spend them on goods, because there is nothing useful on this list.

Conclusion. You can only spend bonuses on communications and the Internet.

In April, Beeline began issuing Beeline cards in its stores. payment system I decided to take MasterCard for myself, especially since issuance and annual maintenance are free, and MasterCard is also MasterCard in Africa))

There are 2 types of cards - Standard and World. What is the difference?

Firstly, cashback. The bonus account is credited with 1% from each purchase on the MasterCard Standard card and 1.5% on the card MasterCard WORLD. In the first month after registration, you will receive an increased cashback on any card - 5%, BUT this promotion is only valid until June 31, 2014. Maximum amount bonuses for this promotion - 5000. Bonuses become available for use 14 days after the banking transaction.

Another difference (according to the consultant) between the cards is that you won’t be able to pay abroad with a regular one.

The design, content and SMS notification of both cards are absolutely free. But to get World map, you will have to deposit 3000 rubles into your account when registering; for a standard one, 100 rubles is enough. Well, in general, everything is like Kukuruzina’s))

Accumulated bonuses can be spent in 3 ways:

*exchange for Beeline Happy Time program bonuses and spend them on communications (calls and SMS to Beeline (only!), mobile internet

*pay home Internet from Beeline

*pay part of the purchase with bonuses in the Beeline salon (only purchase of goods).

The card has a payment account where you can spend your money)) One of the advantages is payments through the payment account to repay loans with a commission of only 10 rubles, regardless of the payment amount. Competitors have a 1% commission, minimum 50 rubles. I don’t have loans, so I didn’t check)) But I was able to pay for the Internet there from our local (MO) provider, but in the Sberbank account there is no our provider, and this upset me - I had to go to the terminal)

You can top up your card at the Beeline salon by presenting your passport and card. Or you can top up with MasterCard cards and VISA through the payment account on the website. No commission is charged. I tried to top up my account from a Sberbank card (Momentum Visa Electron). It didn't work out. But Kukuruzina became very attached, and I was able to transfer money from her to Bilaynovskaya without interest. This is already good, since Euroset offices where you can top up Corn are much more common than Beeline offices.

You can get a PIN code by calling 88005550401 (free of charge) within 14 days after receiving the card; you can subsequently change the PIN code, but not at any ATM, which I don’t remember exactly. In my opinion, Kukuruza’s pin can be changed at the Bank of Moscow and Vozrozhdenie ATM? Then you can try the Beeline one at these ATMs.

By the way, when shopping in a store, a PIN code was not required. Perhaps this can be configured somehow in the office, I have not studied this issue yet.

Well, in general, I'm happy with the card. It is more profitable for me than Corn, at least due to the fact that you can pay for mobile communications with bonuses.

And in any case - let it be for the collection. It's free))))