This card allows you to receive from 500 to 1000 rubles per month for payment of rent, electricity, any transport services and purchases in pharmacies.
I have been using this card for a year and a half, but few will want to get the same one. :)
This is a "Cashback" credit card of Vostochny bank with a connected "Heat" program, but with this card everything is not easy:
- You need to spend at least 10,000 rubles on preferential categories (housing and communal services, transport, pharmacies) per month (you can not spend anything on non-preferential categories);
- As soon as you contact Vostochny Bank, they will regularly start calling you from this bank and try to sell loans (I have all their numbers blocked for a long time);
- The bank may refuse to issue a card for no reason;
- Instead, the bank may try to give another card without cashback;
- You will have to pay 1000 rubles for issuing the card (but 500 rubles can be returned, and the second 500 will be repaid in the first month);
- Together with this card, you will almost certainly be given another unnecessary one (but it's free);
- When issuing a card, the bank will try to impose some paid services and insurance on you.
Have I scared you enough so that you don't want any cashback? :)
If not, I'll tell you how to get this card and get cashback. You need to come to the Vostochny office and ask for a credit card for 90 days without%, calling the promo code 140-204-279. With a probability of 99.9%, you will not be given this card (if they suddenly give you - lucky, it is free with the same cashback), but other cards will be offered - "Cashback", "90 days without%" or "Basic". If offered "Basic", take it (it is also free), but immediately ask to issue an additional Visa card to it (from the Basic system Mir).
If offered "Cashback" or "90 days without%", take any of them. Most likely they will force you to take another card, take it (if you do not use the second card, they will not take money for the issue, even if the card is paid). Politely refuse insurance and everything else.
After receiving the card, you need to activate the "Heat" program in the application or in the Internet bank.
In the first month, on the card, you need to spend at least 20,000 rubles on purchases and payment for services, then in addition to the cashback, 500 rubles will be returned to the account (the main thing is not to forget to say the promotional code when registering).
To ensure spending of 20,000 rubles in the first month and from 10 to 20 thousand in the following, you can help relatives and friends pay for housing and communal services with cashback. :)
In June 2019, I paid Vostochny 1000 rubles for issuing a card (I tried to cheat so that it was free, it did not work), since then, although the card is a credit card, I have not paid a penny, but the bank has already paid me eighteen thousand rubles of cashback. Today I again compensated (turned cashback into real money) another 1,486 rubles 50 kopecks.
The Vostochny bank card is definitely not the card that can be recommended to everyone, but if you are not afraid of all the nuances and decide to join the "cashback lovers club", you are welcome! :)
© 2021, Alexey Nadyozhin
For ten years I have been writing every day about technology, discounts, places of interest and events. Read my blog on the site ammo1.ru, in LJ, Zen, Mirtesen, Telegram .
My projects:
Lamptest.ru. I test LED lamps and help figure out which ones are good and which ones are not.
Elerus.ru. I collect information about domestic electronic devices for personal use and share it.
You can contact me in Telegram @ ammo1 and by mail [email protected] .