Credit card as a gift. What is a bank gift card and how to get it? Gift card from TransKapitalBank

Gift cards of various denominations are issued by most banks. Consider the best offers and their features.

Gift Card Features

Gift bank cards are non-personalised; when purchasing them, there is no need to present any documents.

Their balance is either fixed, that is, set by the issuer, or determined by the buyer independently within a certain range (usually 15,000 rubles) by depositing the required amount into the account.

The cost of prepaid gift cards is standardly set in the region of 50-100 rubles for 1 form. As a result, the price of the gift is determined as the value of the account balance plus some commission of the issuer.

The advantages of such products:

• instant issuance;
• they are accepted for payment wherever there are POS-terminals, as well as in Russian online stores;
• a foreigner or a stateless person can become a product holder;
• such offers are good for legal entities as a way to reward employees;
• if the funds of the gift card are not enough for the payment, a number of stores offer to pay the bill from the accounts of two different cards. This point needs to be clarified in advance.

The disadvantages of most prepaid cards are:

• cash receipt is often not provided;
• the operation of transferring funds from the gift card account to another one's account or the account of another individual will also most likely not work;
• it is difficult to use the balance completely, to zero;
• no SMS notification;
• the possibility of replenishing the account is a rarity;
• chips on forms are almost never found;
• payment is made only in rubles;
• payment abroad, including on foreign Internet portals, is excluded;
• card recovery, since it is non-personalized, and the holder was not identified, if it is lost, it will not be;
• refund to the account, for example, when returning goods, is not possible;
• uses a universal pin code for most forms (0000 or 1111);
• validity period is limited. Most cards are valid for no more than 1 year;
• you need to separately check with the issuer the validity period of the card - it may differ from what is indicated on the form.

The money credited to the gift card account will not be available to the holder after its expiration date. Most issuers count balances on such cards after this date in their favor.

In the VISA payment system, you can find the following types of gift cards:

• myGift;
• "Opening";
• "TransCapitalBank";
• "Raiffeisenbank";
• Post Bank.

myGift electronic bank card

MyGift is a gift bank card of the VISA payment system. The issuer offers several types of cards, including virtual, fuel and children's cards.

Work with the card begins with its activation on the website of the issuer. Additional actions are not required only for the card of the "Gold" level. After activating the virtual card, an SMS is received with details about the details, including:

• PAN-number (16 digits), corresponding to the number of the card form of a regular bank card;
• validity;
• CVV2 security code (3 digits).

When activating some types of cards, the system offers to set the scope of its validity. The product can only be used for settlements with enterprises of a certain category, for example, only in cafes and restaurants, or to pay for travel.

The capabilities of a particular MyGift, as well as its balance and validity period, which may differ from the date indicated on the form, can be clarified on the corporate website.

Otkritie bank gift card

A gift card with money from Otkritie Bank is a worthy present. The form is protected by a chip. You can buy a card at one of the bank's offices. You can deposit any amount into her account. The card form is valid for 1 year. The cost of maintenance is 100 rubles. The balance is determined by the donor independently.

A significant drawback of the proposal is tariffs, according to which, when paying for goods and services, a commission of 2.5% of the amount spent is withheld.

Gift card from TransKapitalBank

"TransKapitalBank" issues prepaid gift cards "Vygoda" and SEC "European". The first product is the result of friendship with the virtual bank TalkBank, known for being accessed through bot communication in well-known instant messengers. The second was the result of cooperation with the shopping and entertainment complex of the same name.

The Evropeisky shopping and entertainment center card does not imply cash withdrawals, but the formation of over-limit debt is allowed. The fee for using the bank's funds is 40% per annum.

Raiffeisenbank gift card

The cost of a gift card from Raiffeisenbank is 100 rubles. The undoubted advantage of the product is the possibility of obtaining discounts of up to 40% from bank partners.

The card is rechargeable, but the maximum limit is 15,000 rubles.

Gift card "Post Bank"

"Post Bank" offers a prepaid "Online card". Its validity period is 36 months. The service is free.

You can receive cash. Commission - 100 rubles for 1 operation.

The limit on the card is 15,000 rubles before the simplified verification of the holder and up to 60,000 rubles after the specified procedure.

Mastercard gift cards are cards:

• "I give!";
• "MTS Money";
• "Gazprombank";
• MasterCard Svyaznoy from Russian Standard Bank.

Gift card "I give!"

Gift card "I give!" has a face value - 500-15000 rubles. The product is valid for up to 1 year. To make such a gift, you must pre-order a card.

Card activation is not required. You can order a custom design. Balance on the card "I give!" specify on a special website by indicating the 13-digit barcode number located on the back of the card form.

Gift card "MTS Money"

The main parameters of the MTS Money product:

• price - 50 rubles;
• initial denomination - 1000 - 15000 rubles;
• validity period - up to 12 months;
• protection is provided by the magnetic stripe.

"MTS Money" replenished.

Funds can be deposited into the account at the offices of MTS Bank. The operation involves the presentation of a passport. It is possible to receive transfers to this card account subject to the following limits:

• from card to card within 75,000 rubles for 1 operation;
• online transfer - 500,000 rubles for 1 month.

You can't get cash from it. The account balance will be prompted by free phone 8-800-250-08-90.

Gift card "Gazprombank"

The Gazprombank prepaid card is issued in two versions:

• without identification;
• with simplified identification.

Identification of the cardholder involves providing the bank with personal data, including passport data. The appeal is possible both by personal visit to the office and by e-mail.

Both proposals are:

• a fee of 100 rubles per issue;
• the presence of a unique pin code;
• free replacement if the magnetic strip is damaged, but only if there are no debit transactions on the account;
• SMS informing at no additional charge.

Prepaid cards of Gazprombank are an opportunity to return the account balance at the end of the card validity period without any commissions. If the card form is lost, then the funds will not be returned.

The main advantage of cards with simplified identification is that, unlike the variant without identification, thanks to this product, you can, moreover, free of charge:

• make transfers in favor of other individuals;
• replenish the account by bank transfer from the accounts of individuals or legal entities, as well as individual entrepreneurs;
• receive cash in branded ATMs of Gazprombank.

With regard to a card without identification, the following limits are set: 15,000 rubles per transaction and 40,000 rubles per month. The following restrictions are set for a product that involves simplified identification:

• 60,000 rubles - the maximum size of 1 operation;
• 200,000 rubles - monthly limit;
• 5000 rubles - the largest amount of cash that can be received at a time;
• 40,000 rubles - the amount of cash that can be withdrawn in 1 month.

Gift card of Russian Standard Bank

Russian Standard Bank together with the Svyaznoy company issues gift cards based on MasterCard. The product, despite the fact that it is co-branded, is accepted for payment everywhere, like any other non-named bank card. Many different types of its design are offered.

A Russian Standard gift card gives you access to the Discount Club program. Participation in partner promotions will allow you to use special offers and discounts up to 30%. In total, the program has over 4,000 partners throughout the country.

The face value of the card form is 1000-15000 rubles. The validity period of the card is indicated directly on it. The virtual version can be used for a maximum of 3 months. There is no service fee.

Gift card "Universal"

"Universal" bank card "As a gift" - this is even more opportunities, since it can be exchanged for:

• impression gifts;
• gift cards from large retail chains;
• electronic certificates.

The list of the issuer 's partners is presented on its website . Friendly organizations for Vpodarok are M.Video, Detsky Mir, Sportmaster and so on.

The exchange occurs when the product is activated in the corresponding category on the portal or by calling 8-495-120-36-50.

The procedure for choosing an alternative on the product website looks like this:

• a gift is chosen;
• the form is filled out;
• a letter containing a unique code is sent to the e-mail of the Vpodarok holder;
• the message is printed;
• when making a purchase, the letter is presented at the checkout.

The face value of the card varies from 500 rubles to 50,000 rubles. It is important for a Vpodarok user to remember that:

• The form is valid for 6 months. Then you can't pay by card. Money "burns";
• the product can be used as a means of payment;
• if the protective layer or the number located under it is damaged, the seller has the right to refuse to service this card;
• return of the card or its exchange for money is not provided.

If the face value of Vpodarok is not enough, you can pay extra in any convenient way. But if there is more money on the account than necessary, then the balance is not returned. After use, the card is withdrawn.

It is possible to purchase both rechargeable and non-rechargeable prepaid cards. In the first case, MasterCard with a limit of 100,000 rubles allows cash withdrawals.

A significant drawback of the proposal is its territorial limitations: the bank operates in the Republic of Tatarstan. Using cards outside of the UK may incur additional costs.

Summary

The variety of offers of bank prepaid cards is amazing. The most interesting proposals are:

• the most successful gift for those who are not sure about the area of ​​interests of the donee is a Gazprombank card with simplified identification, because the holder will be able to use the product as a regular bank card;
• among the virtual versions, the Post Bank offer is the most interesting, since it is possible to receive cash in the absence of an annual service fee and a minimum commission for the specified operation;
• MyGift fuel is a great gift for motorists;
• for children, the best choice is the "Schoolchild Card" from "Ak Bars", issued, including in the form of a bracelet;
• TransKapitalBank card, which provides the opportunity to use the bank's funds on credit card terms.

The main differences between the gift cards of these banks lie in the area of ​​discounts and privileges. Each bank has its own list of trade and other organizations associated with it, which have individual discounts on purchases and their own service privileges.

With the holidays approaching, many are faced with the question of what to give to family and friends. If there is no time to find the right gift, you can give money. However, banknotes folded into a gift envelope or postcard do not always look original. To really surprise your loved ones, it is worth presenting a gift card. You can buy it in major banks, including VTB.

VTB 24 gift card has a standard look. It is made of plastic. The front side shows the VTB logo, as well as the denomination. However, there is no holder data on it. On the reverse side is a magnetic stripe.

The main advantage of this gift product from VTB is that it allows you to make purchases in any store, as well as pay bills in restaurants, use it in different countries, and much more.

How to choose?

Choosing a gift card from VTB is not as easy as it might seem at first glance. In order for such a gift to be truly useful and functional, its choice should be approached as responsibly as possible. Be sure to focus on the following parameters:

1. Scope. If the person for whom the gift is intended travels a lot, then the card must be from international payment systems. If not, then you need to proceed from what operations will be performed. It is worth noting that international cards are preferable to local ones, as they have a wider service network.
2. View. VTB gift cards are both standard and premium. The latter are more expensive, but provide more opportunities. The daily cash withdrawal limit and the interest for the operations performed also depend on belonging to one or another type.
3. Payment system. VTB cooperates with two international payment systems: Visa and MasterCard. The official currency of the first is dollars, so Visa is best used in the United States and Canada. For European countries, the best option is MasterCard, whose official currency is the euro.
4. Cashback. A nice bonus when paying for goods and services is cashback. This term means returning a certain percentage of the amount of purchases back to the account. Thus, significant savings can be made. The more cashback, the better, especially if the gift is intended for a shopping lover.
5. Bonuses. Many banks and payment systems, in particular VTB, offer loyalty programs for gift cards. These can be bonuses for the purchase of goods from VTB partners, discounts and much more.
6. The interest rate on the account balance. If the funds are not spent immediately, but are accumulated on a gift card, then you should choose a VTB card with the highest accrued interest on the master account.

VTB Bank has several gift cards. Analyze every offer. If necessary, you can ask for help from a VTB employee.

Types of gift cards from VTB 24

VTB Bank starts issuing gift products a month before the holiday. These are standard cards that have a certain amount of funds in the account and many additional bonuses. VTB offers several types of gift cards.

Type of gift card	classical	Golden	Platinum
Limit	Amounts up to 150,000 rubles	Amounts up to 750,000 rubles	Amounts up to 1 million rubles
Service charge for monthly use	Free	Free	Free
Getting bonuses	Not provided	Cashback on all purchases up to 5%	The gift card is valid abroad, the client falls under the insurance program, and also receives cashback from purchases and other bonuses
SMS banking and Internet banking	60 rubles	For free	For free

In the rating of VTB gift cards, the most profitable one is platinum. However, VTB also offers a multicard. It combines several bonus programs, and also guarantees a cashback of up to 10% from any purchases. The holder can connect several options to choose from. The “Collection” option is very popular, which provides for the accrual of bonuses for each purchase.

Credit card "Collection" from VTB 24

In VTB Bank, you can issue a credit card "Collection". It guarantees its owner a large number of bonuses from bank partners. When making various purchases and paying for services, bonuses will be credited to the account at the rate of 1 bonus for 30 rubles. The accumulated bonuses can be spent on tickets to the cinema, on a plane or train, on booking a hotel room and much more. In addition, VTB partners provide a 40% discount.

If you need money urgently, you can apply for a Platiza loan. This microfinance organization offers its customers very favorable lending conditions.

Design features

You can issue a gift banking product at the nearest VTB branch. You do not need to have any documents with you, since such a card does not contain personalized data about its owner. In addition, it does not involve opening an account, as is the case with conventional debit and credit cards.

You can also apply for it online on the official website of the bank. Online application is very convenient, as the whole procedure takes a minimum of time. It is enough to fill out the order form and pay the cost.

A VTB gift card can be issued anonymously. However, in this case, its limit will be 15 thousand rubles.

Receipt

The card is issued instantly after the client has deposited money at the VTB cash desk. If its registration and payment took place via the Internet, then a gift card can be obtained using a courier or postal service. In the latter case, a letter with a link to activate the banking product is also delivered to the specified address.

Terms of use

The VTB gift card differs significantly from other banking products. Its main feature is that anyone who knows the PIN code can use it. Thus, the gift card issuer can transfer it to any other person, and this will not be a violation of the law.

The possibilities of a gift product from VTB are limited. So, the holder can use it exclusively to pay for their purchases (including purchases in online stores), as well as various bills in public institutions. It is impossible to withdraw cash from an ATM or bank cash desk. It is intended exclusively for non-cash payments.

A VTB gift card is valid as long as there are funds in its account. After they run out, it closes automatically. Some gift cards are rechargeable, which is very convenient. Then their validity expires depending on the conditions of the bank. On average, it is no more than 1 year.

In case of loss or theft of a card that is not connected to any insurance program, it cannot be blocked. Therefore, scammers can take advantage of it. The lost money will not be returned to the holders of the gift product.

Advantages and disadvantages

Summarizing all of the above, we can highlight the main advantages and disadvantages of gift products from VTB.

Thus, a VTB gift card is an excellent present. Often, it comes with original gift packaging, such as an envelope or box, and even a postcard.

Basically, many banks issue gift cards for some holidays, for example: New Year, May 9 or March 8. Most often, such cards are taken by people who do not know what to give to their relatives and friends. A gift card is a great option for many to please their loved ones on the day of their holiday. So is there a VTB 24 bank gift card or not?

Gift cards VTB 24

Does such a card exist in VTB 24?

In fact, at the moment there are no special cards yet, and they usually begin to be issued well in advance of the holiday - most often a month before the scheduled date. But there is a huge selection of other gift cards that can also surprise the person you give it to.

Most often, a gift card is no different from an ordinary plastic card. But it has a certain amount of money, and you can also use it to make various purchases in any store or supermarket.

So what is a gift card? This is the same credit or debit card, which has in addition a bunch of bonuses and privileges that the card client will enjoy. Your task is to issue and issue this card, and later give it to your loved one, who will be happy with such a gift.

What gift cards can be given?

Here you can choose either by card class or by purpose. There are, as you already understood, three types of cards: classic, gold and platinum. Depending on the choice of a particular card, the maximum amount and privileges on it will change.

VTB 24 classic gift card

Very common among many and everyone can afford it. For all its simplicity, it comes with some pretty big perks and a nice package that your loved one will love:

• The maximum credit limit is 300,000 rubles.
• Maintenance fee - 75 rubles per month.
• With a monthly turnover on this card from 10,000 rubles, a monthly service fee is not charged.
• SMS banking and Internet banking for 60 rubles per month

VTB 24 Gold Gift Card

This card already has a higher status, as well as higher usage privileges. This card will please any person well, as it is real gold among many plastic cards:

• The maximum credit limit is 750,000 rubles.
• Maintenance fee - 800 rubles per month.
• If the monthly turnover on this card is from 25,000 rubles, then the monthly service fee is not charged.
• bonus program
• Cashback up to 5%

VTB 24 Platinum Gift Card

This card has the highest privileges among many. Most importantly, this card will suit you well on any trip, and you will be able to pay for goods and services anywhere in the world. There are also a huge number of advantages when using this card:

• The maximum credit limit is RUB 1,000,000.
• Maintenance fee - 2000 rubles per month.
• With a monthly turnover on this card from 65,000 rubles, a monthly service fee is not charged.
• SMS banking and Internet banking are connected free of charge
• It is possible to open three accounts at once: rubles, dollars and euros.
• Availability of a fairly wide insurance package for customers
• Extensive bonus program

What is a VTB 24 multicard?

This card is also a gift card that combines several gift cards at once: an impression card, a collection, an auto card and a world map. VTB 24 Bank decided not to issue these cards anymore, but to merge everything together and make a multicard that combines the pros and benefits of all these gift cards at once:

• When you pay for lunch at a restaurant or gas at a gas station, you get 10% cashback
• For any other purchases, you get 2% cashback, which is more than other cards.
• There is a choice to receive miles and bonuses for any purchases that you can later exchange for gifts.
• If you choose a debit card, you can open a savings account with a 10% savings program. You can also set up automatic replenishment of this account for any amount.
• When choosing a multi-credit card, you will receive 1,000,000 credit limit.
• You can withdraw quite large amounts up to 150,000 rubles at a time at any VTB 24 ATM
• With a certain turnover of funds, you get free card maintenance.
• Connected SMS notification for all card transactions.

Conclusion

If you are puzzled, what to give your loved ones for their birthday? If you have already run around all the shops in search of the right gift? If you are already desperate? - That VTB 24 gift card is your savior and joy for the one to whom it will be presented. If you still have questions about gift cards, then call the free hotline at 8 800 100 24 24.

A few days before the birthday of a close relative or best friend is the time when a slight panic rolls over many. What to gift? After all, you want to make a gift not just expensive and memorable, but also necessary. Especially for this, a Sberbank gift card was issued. Consider what it is?

Gift card features

The gift here will be money, but not as before, in an envelope, but on a beautifully designed bank card. With such a card, a loved one can always buy a gift for himself on his own, but limited to the amount that you gave.

Gift programs of various stores have already become familiar. But all of them have one huge disadvantage - limited use. For example, L’Etoile certificates can only pay for goods sold in this store - cosmetics and perfumes. A Sberbank gift card has as many spending directions as there are offers around us. Any store that accepts cashless payments or an online store will be glad to see you among its customers. With such a card, you can even pay fines, cellular communications and utility bills, unless, of course, you want to spend the donated “money” for such purposes.

A gift card is also called a Sberbank prepaid Visa card. Prepaid - because there is already money in the account, you put it at the time of registration, and Visa - by the name of the payment system used.

To receive a gift card, you do not need to provide any documents, it is issued to the bearer. Currency - Russian rubles. The card is valid for 1 year, serviced free of charge. The balance of unused funds can be transferred to any card using the C2C (card-to-card) transfer service. There is no service fee, and the denomination of the card is determined by the donor - you can deposit from 1,000 rubles to the account. up to 15,000 rubles

Sberbank gift cards are not issued as part of salary projects, they cannot be issued to trusted persons or a limit can be set. It's just an ordinary "plastic" with which you can pay for purchases.

To make a payment in a regular store, you just need to present the card to the cashier. Payment in online stores will require entering the card number (16 digits on the front side), your first and last name in Latin and consisting of three digits. Due to the fact that the card is not named and there is no first and last name on it, you just need to write them in the appropriate form of payment to the cardholder. In fact, you can write anything in English (2 words).

The balance of a prepaid card can be clarified at the Sberbank contact center at 8-800-555-5550 or via SMS to 6470. In the text of the message, you need to write "Balance" and indicate the 13-digit "account number of the client card" on the back of the card , which starts with the numbers 252, for example "Balance 252 1234567890". On the Internet, you can find out the balance and a list of recent transactions at https://pay.cardstandard.ru/sochi2014-sberbank/, where you will be asked to enter the same 13-character number to identify your card.

For your information, the prepaid gift card from Sberbank is not himself, but RNKO "Payment Center". He also issues a very famous and very worthy debit card, on which you can get a loan or credit limit to use it as a universal card (debit + credit).

By the way, Sberbank does not say anything about the possibility of withdrawing cash from the card, but since it is not provided for issuing a PIN code, it is also impossible to withdraw money from an ATM. At the box office, apparently, it will not work either.

The only disadvantage of a gift card is that if it is lost, the funds are also lost. Although in this case we would recommend that you contact the bank's hotline (8-800-555-5550) and try to block the card. At least, in the contract for the comprehensive customer service of the RNCO "Payment Center", there is such an opportunity, here is an excerpt from there:

In case of loss/compromise of the card (etc...), immediately send a message to the RNKO by e-mail [email protected], with a text containing the EAN of the customer's card (13-digit account number), as well as the last 4 (four) digits of the PAN of the customer's card, the subject of which says "Block" (also possible: "blocking", "blockirovka", etc. .). The RNKO confirms the blocking by sending a response message to the Client's e-mail address indicated in the message received from him.

Anyone who is interested can be advised to dig a little deeper and read the comprehensive service agreement.

"Non-gift gift" from Sberbank

Sberbank began to actively offer so-called "gift" cards to many of its regular customers (usually pensioners). The uninitiated will understand this as the generosity of the bank and will begin to actively use the money provided. Especially those who have previously used a Sberbank prepaid Visa card and know what it is. And then a real trap awaits you ahead - the need to return the money and the accrued interest for their use, and quite big ones.

It's outrageous, but you were given (one might even say that they imposed!) a real credit card, only they presented the information in a light that was unfavorable for the client. Bank employees call such a card a gift card simply because it is issued in your name as a gift from the bank, that is, without your request. This is where the "gift" of the plastic card ends and a long period of payment of the loan and the interest accrued on it begins.

Therefore, be careful when receiving any kind of gifts from the bank, not all of them give joy. The amount on a real prepaid card cannot exceed 15 thousand rubles, and if a much larger limit of funds is available to you, then this is an occasion to think about it. Carefully read all the attached brochures and do not buy into the nightingale trills of bank employees.

Since January 1, 2015, Sberbank gift cards have ceased to be issued. Sberbank claims that the program has been temporarily suspended, but so far the sale of prepaid cards has not resumed.

Alternatively, you can issue. These are instant issuance cards, without the owner's full name on the front side, which can also be replenished in any way and presented to anyone you want. These cards are valid for 3 years and there is no service fee.

Another festive time is approaching - St. Valentine's Day, February 23 and March 8, which means that it is necessary to choose gifts for loved ones again. But what if you don’t have time to find the right gift, but you just don’t want to give money? Give a Gift Card! But not in a specific store, but all at once! Yes, there are such cards, and you can buy them in banks!

What are the advantages of a gift card?

A bank gift card does not visually differ from any store gift card - the same plastic, though not with the store logo, but with the bank logo, the face value of the card is also indicated on the front side, and on the back there is a magnetic stripe.

But, the advantage of a gift bank card is that, among other things, it performs the functions of a regular card - it is accepted to pay for goods and services in any shops and cafes, on the Internet, and you can even withdraw money from some cards! Therefore, by presenting such a card, you give its owner the widest choice - he will be able to buy any product in the store (of course, within the face value of the card), spend money on any entertainment, or simply take it off. Moreover, it is not necessary to spend the entire amount at once, you can make purchases for a part of the amount, and use the remaining amount another time.

Where and how to buy?

You can buy a gift card at Petrocommerce Bank, Gazprombank, Sberbank, AK Bars and some other large banks. At the same time, Russian Standard provides an opportunity to purchase a card not only directly in its branches, but also order it via the Internet or even buy it at partner outlets.

No documents are required for the purchase. All you need is the required amount of money, equal to the face value of the card plus the commission for issuing it.

Depending on the bank in which you will buy such a card, the face value of the card can be fixed, for example, a card for 1,000 rubles, or the face value can be arbitrary, but not more than 15,000 rubles in both cases. Such a restriction on the maximum face value of the card is imposed by Russian law, since the cards belong to an unidentified user (during its registration, a passport is not presented, a bank account is not opened).

What is the price?

Banks are taking a different approach to pricing when issuing gift cards. Someone assigns a fixed cost, someone - a percentage of the face value. For convenience, we have summarized the data on prepaid cards in a tabular form.

	Payment system		Functional	Card issue fee
Russian standard			Payment for goods and services on the Internet	100 rubles at a bank branch or on the Internet 50 rubles at a point of sale (some outlets may charge an additional commission)
Petrocommerce		Any up to 15,000 rubles		100 rubles
Gazprombank		Any up to 15,000 rubles		100 rubles
Sberbank		Any up to 15,000 rubles		100 rubles
Fia Bank (only in Samara and Togliatti)	NCC (National Credit Cards)	Any up to 15,000 rubles	Cashless payment for goods and services Cash withdrawal	1% of the deposited amount, but not less than 100 rubles.

Other important conditions

For the most part, gift cards cannot be recharged, although, for example, special rechargeable gift cards can be purchased at AK BARS.

The validity of such cards is limited - no more than 1 year (indicated on the front side of the card).

The card can be re-gifted an unlimited number of times.