Bathroom renovation portal. Useful Tips

Make corporate refueling cards Rosneft. Rosneft card for legal entities

The Rosneft smart card allows you to use all the services you need on the road without cash. Depending on the region of service, by means of a fuel card you will be able to pay for: car wash services, technical service points, hotels, related products. A wide range of information services has been developed for RN-Kart customers, which allows them to manage operations with fuel cards. For the availability of the appropriate service in your region, please inquire at the nearest Sales Offices.

The driver can get advice by calling the free Hot Line of Rosneft Oil Company: 8-800-200-1070.

To issue a fuel card, you must contact one of our sales offices and conclude an agreement. Currently, 70 sales and customer service offices operate in the regions of Russia.

All reporting documents (invoice, waybill, reconciliation report, transaction report) are guaranteed to be generated by the 5th day of the month following the reporting month.

The documents are presented in full at the filling station / gas station, or upon request from your personal manager.

How to start receiving primary documents in electronic form:

  1. Contact your manager to sign an additional agreement
  2. Register at the link https://sbis.ru/help/start/reg_sys/ in the SBiS system *
  3. Get the documents that we have already sent you **.

To process electronic documents, you can use the same signature as for submitting electronic reports, or get a new one for free https://ca.tensor.ru/petition.html on the Tensor website.


If you have any questions, you can call the Tenzor company 8-800-100-33-06.


* The transfer of electronic documents is carried out in compliance with all legal requirements through the operator of electronic document management LLC "Tensor" LLC (tensor.ru) accredited by the Federal Tax Service of the Russian Federation using the SBS web solution (sbis.ru/edo).


You can receive and process primary documents free of charge after registering on the sbis.ru portal. To work, you only need a computer with Internet access and a valid electronic signature. You can use the same signature as for submission of electronic reporting or get a new one for free.


Step-by-step instructions for self-registration: https://help.sbis.ru/help/start/reg_sys/


** In your personal account on the sbis.ru portal, you can receive and process all incoming documents from RN-Kart LLC.

Additionally: The legal significance of electronic documents and the possibility of their use in accounting and tax accounting are enshrined in regulatory enactments:

  1. Federal Laws No. 63-FZ of 06.04.2011 and No. 402-FZ of 06.12.2011;
  2. Tax Code of the Russian Federation Part 1 (Clause 2, Art. 93) and Part 2 (Clause 1, Art. 169);
  3. Government Decree No. 1137 of December 26, 2011;
  4. Order of the Ministry of Finance N 174n dated November 10, 2015.
  • When refueling using a fuel card, only a terminal receipt is required, because a fuel card is a means of recording and confirming the possibility of delivering goods and services to a legal entity or its representative under a contract. The terminal check, in turn, has the character of an information document and is not a cashier's check or primary accounting document *.


    The accounting of goods purchased from RN-Kart LLC is carried out in all organizations (including budgetary ones) on the following grounds:

    * In accordance with 54-FZ of 05/22/2003 "On the use of cash registers when making cash settlements and (or) settlements using electronic means of payment", cash registers are used only when receiving or paying cash using cash or electronic means of payment for goods sold, work performed, services rendered.

    Sometimes circumstances arise when a fuel card is not accepted for service. Moreover, there may be different wordings for refusal. Regardless of the reason for the delay, do not panic, as the vast majority of the situation can be easily corrected.

    What can cause denial of service on the card

    There are six most common, but easily resolvable situations for which fuel supply via the card may not be available:

    • Refueling requested with a type of fuel not provided for by the fuel card. To rectify the situation, in your personal account you should add additional types of fuel supplied by the filling station;
    • The set limit for fuel supply has been used up. By entering your personal account, you can increase the fuel limit for this card;
    • If the refusal for service is the wording “insufficient funds”, the owner of the fuel card can refuel for an amount not exceeding the balance of funds;
    • The fuel card is automatically blocked if no transactions have been made on it for more than 6 months. For help, you should contact the service department of the company's office to unblock the card and restore the use of the service;
    • If the card is blocked with the wording that the company that owns the card is blacklisted, this means that there are not enough funds in the organization's account. Unblocking will occur automatically, and access to payment for fuel will be opened again as soon as the account is replenished;
    • If a daily fuel limit is selected, this indicator should be changed, or fuel should be purchased on credit for the next day.

    How to quickly resolve the problem

    If a non-standard situation not described above occurs, proceed as follows:

    • If a refusal is received in refueling the car, you need to record the time and date of the incident, as well as the number of the gas station and the name of the service operator;
    • Find out from the operator about the reason why he refused to fill the tank with fuel and write down his answer;
    • Contact the company manager from the corporate client support program department and describe the current situation.

    An employee of the company will take the necessary steps to resolve the problem as soon as possible, and the cardholder will be able to refuel at any gas station.

    If you use RusPetrol fuel cards, such problems are extremely rare. However, in case of any difficulties, our support team will promptly help you.

    Rosneft is the leader in the retail sector of the Russian oil products market. Thanks to a large and well-developed network of filling stations (at the beginning of 2018 it included 6,350 stations in Russia and abroad), car owners have the opportunity to refuel with domestic gasoline. But the company also allows you to save money by using fuel cards. For legal entities, this is the possibility of cashless payments, control and accounting of expenses, as well as optimization of the workflow process. For individuals, this is both a cashless method of payment and receiving bonuses for the purchase of gasoline, services and goods.

    Conventionally, two types of fuel cards can be distinguished: "RN-cards" and "Family team". The first option is aimed at cooperation with enterprises that have their own vehicle fleet, and the second is suitable for an ordinary family that regularly uses a car.

    “RN-kart” are fuel cards that allow for corporate clients to carry out cashless payments when paying for gasoline (DT) at a gas station. If earlier the owner of the enterprise did not know how much and at what price his employees actually refuel (after all, you can always agree and provide a “fake” waybill), now the whole process is as transparent, convenient and simple as possible.

    All cards are linked to one personal account. It turns out a single system with the possibility of individual settings: for each employee, you can set your own restrictions on refueling. Due to the fact that all calculations are carried out in electronic form, access to information is possible around the clock.

    Family Team Cards

    Since June 2016, Rosneft has launched the Family Team loyalty program (LO). Its essence boils down to accumulation of special points, which can then be used to pay for fuel, goods and services at Rosneft and TNK filling stations.

    Important! The main feature of the submarine "Family Team" is that the consumer immediately receives a package of plastic cards (3 pieces). One is the main one, from which it is possible to write off points to pay for goods and services. The other two are additional, they are needed only to accumulate bonuses.

    This system allows combine all team members into one bonus account... This way points are gained much faster, and their exchange for goods and services becomes more efficient. The accrual is as follows:

    • when refueling with gasoline at Rosneft or TNK filling stations for every 2 liters of fuel - 1 point;
    • when buying goods or services at gas stations for every 20 rubles. - 1 point;
    • when paying for goods / services with a prepaid loyalty card for every 200 rubles. - 1 point;
    • when participating in promotions and programs, additional bonuses are awarded.

    Advice! Bonuses can be accumulated by making purchases from program partners: travel companies, online stores selling tires, spare parts, books, clothes, furniture, etc. (a detailed list of partner companies is indicated on the official website of the PL organizer).

    Personal Area

    Each Rosneft fuel card holder can use a convenient information service called a personal account. For this one should only register on the official website of the companyby providing the minimum required data. The registration procedure is standard and takes no more than 3 minutes.

    On the authorization page http://lk.rn-card.ru you should select the "Registration" function, after which a form for filling out a questionnaire will appear, where you need to specify your login, password and e-mail address. An e-mail will automatically send a letter with an authorization link, which allows you to register in the system and confirm the correctness of the specified data. You can enter your personal account from any device with Internet access (smartphone, tablet, PC, laptop, etc.).

    This simple and affordable service allows you not only to obtain information on the account, but also to perform some actions: block and unblock a fuel coupon, link a car number to it (to exclude the withdrawal of funds for refueling another car), etc. Tasks performed by the personal account:

    • receiving data about the balance on the card;
    • replenishment remotely through payment systems;
    • formation of primary documentation;
    • round-the-clock on-line service.

    Features of fuel cards for legal entities

    The design method and functionality of fuel cards for legal entities and individuals have significant differences. This is due to the different goals and priorities facing the consumers of Rosneft products. For individual entrepreneurs and legal entities, reporting, analysis and control of the costs of each employee individually and the entire enterprise as a whole are necessary. For ordinary consumers, the main thing is convenience in the implementation of cashless payments, savings through discounts, bonuses, promotions and the ability to keep records and plan their current expenses. Therefore, Rosneft has developed a comprehensive solution specifically for corporate clients and private entrepreneurs - RN-cards.

    Card design

    Gasoline cards can only be issued in the sales department of the company's office, of which about 70 are open throughout the country. To do this, you must provide the following package: constituent documents and documents confirming the appointment of the head, a certificate of the PSRN and TIN, a notarized power of attorney for the employee who will draw up and receive cards. Based on this, a standard contract is concluded between the supplier and the buyer of fuel, where the terms of cooperation are prescribed.

    Refueling control

    After receiving the card, immediately activate your personal account, with the help of which the accounting and control of the movement of cash and fuel takes place. So, you can set limits for a specific employee, limiting costs both by time parameters (limit per day, week, month) and quantitative.

    Advice! It is possible to limit fuel consumption not only quantitatively, but also to limit a certain brand. It is also allowed to set the maximum both in rubles and in liters.

    Work models

    Rosneft has provided different models of work and payment for holders of corporate fuel cards. The most common is prepayment... First, the money goes to a personal or card account, and then is debited to gasoline as it is consumed. Most small organizations and entrepreneurs work according to this scheme.

    Important! For reputable solvent companies with a long and positive history of cooperation, there is the possibility of deferred payment. In this case, refueling takes place on credit. But for such a service, the buyer is charged a fee, which is calculated based on the debt for each day of the deferral at a rate of 18% per annum.

    Reporting documentation

    Before the 5th day of the month following the reporting month, enterprises are provided with the following package of documents:

    • invoice;
    • act of reconciliation;
    • waybill;
    • report on completed transactions.

    Reporting documentation can receive by e-mail, courier or mail.

    Bonus programs

    Taking into account the specialization and placement of its corporate clients, Rosneft offers special bonus programs. The following offers are currently valid.

    1. Locale... Provides a reduced price for gasoline within one subject of the federation. Payment can be made in two ways: cash wallet and limit scheme. In the first case, the money received on the personal account is immediately distributed to the cards. The client himself determines the frequency of replenishment, which is carried out only in a predetermined region. In the second version, all cards are connected to one account, from which funds are directly debited for gasoline. Each card has daily or monthly limits, which are automatically updated every new period.
    2. Transit diesel... An advantageous offer for motor transport companies refueling with diesel fuel. Discounts are provided for them on fuel up to 5% within the Rosneft network of route filling stations and 1.5% - at filling stations of other networks. Also, car owners can refuel with Rosneft partners not only in the country, but also far beyond its borders. Moreover, this program was transferred from the Magistral card after the merger of Rosneft with TNK.
    3. "Fuel-online"... This program is convenient for cashless payments for small businesses. It offers the possibility of VAT refunds, refueling at partner gas stations (an additional 3000 stations), as well as simplified document flow.

    Other possibilities of PH-cards

    In addition to the basic functionality of fuel cards, you can also use additional services. The cashless service point search system helps to quickly select the nearest gas station. You can connect SMS informing about debt to always control the write-off of funds. Also, PH-cards allow you to pay for related goods and services at car washes, tire service, parking, cafes, shops, hotels, etc.

    Features of fuel cards for individuals

    Individuals began to actively use prepaid refueling cards. You can get Family Team bonus cards from the operator at any Rosneft or TNK gas station. To activate the main card, you need to register on the official website of the company by filling out the fields of the questionnaire.

    Advice! There are easier ways to register: via SMS to the short number 7588 indicating the card number, as well as using the hotline operator. You can also download the Rosneft filling station mobile application, with which you can activate the card, register and log into the system.

    Two additional cards activated automatically... The personal account is not linked to e-mail, but to a mobile phone number. To receive bonuses, you must present one of three cards. The accumulated points are equivalent to rubles, therefore, with their help, you can refuel and buy goods / services in the Rosneft or TNK filling network, getting savings on gasoline costs.

    Important! You can exchange bonuses for goods no earlier than 2 weeks and no later than three years after they are credited. However, if no transactions are performed during the year, the accumulated points will be canceled.

    In addition, for the holders of the "Family Team" cards, various promotions and discounts with gifts and great offers.

    Benefits of fuel cards

    Summing up, the main advantages of fuel cards should be highlighted.

    1. Convenience and ease of management of cashless payments for fuel using your personal account (invoicing, deferred payment, accounting and control of fuel resources).
    2. Comfortable refueling conditions, which is possible due to the extensive network of gas stations that accept corporate cards, and the same high standards of service quality for all regions of the country.
    3. Saving time on accounting, which is achieved by simplifying the workflow and issuing it in electronic form. Delivery of documents to the buyer is made in any convenient way.
    4. 24-hour hotline.
    5. Saving transport costs using bonus programs for legal entities (local, transit, etc.) and individuals (family team)
    6. Ability to manage fuel stocks in automatic mode (WebAPI).
    7. Security of payments and protection against unauthorized access.

    Possible problems and ways to solve them

    Considering customer feedback on fuel cards, a list of the most common problems can be generated. So, if there was the main card is lost, then you need to block it in your personal account, and on additional set the ability to write off bonuses. You can contact a service point and get a new package.

    When there is problems logging in you should save the correct login and password in an electronic document (Word, Wordpad or notepad) and copy them into the registration field each time. This problem may be associated with the incorrect introduction of personal code information (an erroneous character or another input language).

    If there were forgot / lost data to enter your personal account, then you should use the special option in the "forgot password" field. In this case, the system will send an SMS to the specified phone number with a code that must be entered to set new parameters (login or code combination).

    Rosneft fuel cards are a great way to make payments, control costs and save money. PH-cards are a convenient tool for legal entities, and Family Team is the most profitable option for private car owners.

    Fuel cards from the Rosneft company have recently become popular as a means of payment for payments for gasoline. This is a convenient and simple method that allows you to quickly pay for fuel and save on fuel. Depending on who enters into an agreement with the company - an individual or a legal entity - the conditions for issuing a card vary.

    Fuel card: what is it?

    Before discussing the benefits of a particular company's fuel cards, it is worth knowing what they are. The payment instrument is a plastic card similar to a bank card, with the difference that it can be used only at gas stations approved by Rosneft. The fuel card differs from ordinary credit cards in that liters, not rubles, are credited to the balance. This simplifies payments for gasoline and especially pleases large companies, in which the burden on the accounting department is reduced.

    The classification of fuel cards is carried out mainly according to the following criteria:

    • Brand affiliation. Distinguish between single-brand and multi-brand calculation systems. The former can be used only on one type of gas station. These include a means of payment from Rosneft. They are usually produced by the fuel supplier himself. Multi-brand cards are made mainly by intermediaries who, having concluded an agreement with the manufacturer, resell fuel to other companies;
    • Availability of limits. Cards are issued with strict and customizable limits. The former can be changed only after the contract is renegotiated and the plastic is reissued. The latter allow the user to set his own values \u200b\u200bof the limits for the day, month, quarter.
    • The target audience. The cards are issued for companies and individuals. Depending on the end user, the specifics of receiving and using the means of payment change.

    Benefits of fuel cards

    Refueling cards are in demand primarily by businesses, as they greatly simplify accounting. But due to the economy and simplicity of calculations, this payment instrument also interested ordinary buyers. Its advantages are:

    1. Protection of funds from theft. The security level of fuel cards is comparable to bank credit cards.
    2. Acceleration of settlements at gas stations. Saving time is becoming more and more important. Buying gasoline with a card is faster and easier.
    3. High level of savings. Different companies promise from 20 to 35% savings when using such a means of payment. Part of the money is returned due to an application for VAT payment (18%), 2-5% savings come out thanks to a discount on fuel, and the rest of the percentage is due to related factors: quality control, prevention of theft, etc.

    Legal entities try to issue fuel cards with a large number of settings. This gives tight control over purchases, simplifies analysis and reduces the risk of incidental costs.


    Why Rosneft? 9 reasons to get a fuel brand card

    A refueling card from Rosneft is one of the most popular payment instruments in this market. There are at least 9 reasons that lead organizations to purchase these particular cards.

    1. Large selection of gas stations for refueling. Rosneft's card is one-brand, so geographical diversity is especially important. The brand is widely represented in Russia, as well as in Belarus, Poland, Abkhazia and Kazakhstan. It is currently the largest reception network in the country.
    2. Availability of agreements with some partners. If there is no Rosneft gas station in the city, then it is almost guaranteed that there is a partner serving drivers with fuel cards, albeit on different terms.
    3. Extended functionality of means of payment. In addition to paying for gasoline, the driver can purchase car wash services, service centers, goods at gas stations, and even a stop at hotels.
    4. Extensive cost control. After registering in the Personal Account, the user gets access to a large number of settings, including setting limits and restrictions on the purchase of fuel.
    5. Deferment of payment. Not every company is ready to provide users with such an advantage, but Rosneft allows them to use fuel on credit.
    6. Fuel reliability and cleanliness. Refueling at a gas station, you do not have to worry about the car: you will receive a quality product.
    7. Unobtrusive but timely service. You will learn about the mortgage through SMS and will be able to pay off the debt on time.
    8. Detailed accounting documents. You can receive the report either by e-mail or by regular mail or by courier delivery.
    9. Prompt release of plastic media. On average, batch production takes 1-2 days.

    The convenience of the Rosneft petrol card is confirmed by the choice of customers. According to the official website of the company, 1.6 million cards have been issued over the years, and 120 thousand companies have become clients.

    TC "Rosneft" for individuals

    Rosneft has at the moment refused to issue a fuel card for individuals. They offer a similar product, which is actually a bonus card. But it is called fuel by analogy with the main means of payment, since the functionality overlaps. You can read more about these means of payment in the article on the “Family Team” bonus program.


    Features of the TNK Rosneft fuel card for individuals:

    • accumulation of points at the rate of 1 to 3 bonus points for every 10 rubles spent;
    • function of binding to a car number, which allows prohibiting the use of the card by outsiders;
    • discount on the purchase of gasoline in the form of a cumulative bonus;
    • access to the Personal Account to replenish the account, control expenses.

    TC "Rosneft" for legal entities

    Fuel cards from the Rosneft company are suitable for most legal entities. The company itself claims it can provide a solution for businesses of all sizes. And in fact, different firms use the brand's offer. It is easy to get a means of payment: come to one of the company's offices and order a card. You can also use the services of intermediaries.

    When concluding an agreement, you will need a package of constituent documents and additional documents. Do not forget to request the list from the manager in advance. The hotline phone number is 8-800-200-1070.

    Tariffs

    When concluding a contract, it is worth checking the available tariff plans. They change periodically. At the moment, the rates in the table below are relevant.


    Activation

    Before traveling, make sure that the card is active, otherwise you will not be able to make any debits for the purchase of gasoline or diesel fuel. Activation of a fuel card takes about two minutes and is performed at TNK Rosneft filling stations or via the Internet.

    In the first case, insert the card into the terminal and follow the prompts on the screen. To register in the system, you will need to enter a code from an SMS message. If you prefer to work via the Internet, you will need the same code to register. It is sent automatically.

    Control

    The fuel card is configured in the Personal Account. Sign in after pre-registration. You will have the opportunity to refuel through non-cash payment, see the remaining fuel available, change limits, block some of the issued plastic cards, etc.


    All reporting documents are also available in your personal account, which include an invoice, invoice, reconciliation report and a transaction report. They are formed by the 5th day of each month following the reporting month. If you have an electronic signature or are ready to receive one, then the documentation can be used as a reporting document without a paper copy.

    Billboards are full of discounts, bonuses and promotions to draw the eye of the client to themselves. Rosneft is no exception, therefore it keeps up with the times. Now it issues fuel cards not only for legal entities and corporate vehicle fleets. The Rosneft bonus card has become available to a wide range of consumers.

    About Rosneft

    Today, users receive high quality fuel with a multi-stage control system, as well as the opportunity to appreciate all the benefits of working with one of the largest fuel and energy companies.

    Rosneft does business not only on the territory of Russia - it also covers Belarus, Abkhazia, Kazakhstan, and Ukraine. This includes gas stations, fast food cafes, shops, service stations. That is why the number of grateful consumers is constantly growing.

    Beloved customers are constantly offered various types of discounts and promotions. The company has a huge selection of fuel cards for different types of consumers. Some of them operate not only in the Russian Federation, but also in other countries where Rosneft operates.

    Now a new product from Rosneft has appeared on the market - a bonus card for the population.

    This is far from a simple set of features that comes with a fuel card, but an interesting offer that will bring income to the owner.

    What is a bonus card?

    The Rosneft bonus card was issued as part of an exclusive bonus program, which was implemented in 2016. This is a unique method of accumulating and selling points when refueling at Rosneft and TNK filling stations, as well as purchasing goods from the official partners of the program. According to the rules of the agreement, points can be spent on the purchase of not only products, but also services of the Rosneft network.

    This card is already a prepaid limited bank card with all types of protection - a security code, an owner's indication and a magnetic stripe.

    Rosneft: bonus card. How to get the?

    If you are already over 18 years old, you are a citizen of the Russian Federation, then nothing limits you in obtaining a card. To obtain the main product, no special package of documents, except for a passport, is required. All registration takes only a few minutes. It is necessary to contact any of several thousand Rosneft filling stations across the Russian Federation and write a statement.

    It is desirable to fill it in in block letters indicating the phone number and e-mail. All items that will be ticked are required.

    The Rosneft bonus card is activated immediately in the presence of the client by an employee of the gas station, that is, there is no need to go anywhere or wait for some more time.

    How can I accumulate bonus points?

    The client is assigned an individual number required to control the turnover of funds on the account. The Rosneft bonus card is presented with each operation. Without a card, funds will not be credited.

    A point will be awarded for each payment:

    • 20 liters of fuel;
    • 200 rubles in cash;
    • 200 rubles of cashless payment.

    Participants of the program may have their own promotions and conditions, which means that the accruals may occur in different ways.

    Receiving bonuses

    To receive bonuses, you need to do the following:

    • Choose Rosneft and TNK filling stations for filling a vehicle.
    • Buy goods or services from program partners.
    • Become a member of various promotions held by the company and its partners.

    You can always find out about all the competitions and offers held from brochures and receipts at gas stations. Points for purchases of tobacco products are not awarded.

    Now there is a warning system everywhere. The company did not deviate from the rules here either. How to find out how many bonuses there are on the Rosneft card? If necessary, you can connect the SMS notification service to your phone or email. The sooner you learn about promotions, the faster you accumulate points.

    Check bonuses on the Rosneft card

    Activate your personal account, and you will be able to check your balance. You will be able to control the crediting and withdrawal of bonuses. View all relevant information about new promotional offers.

    Install a mobile application that will keep you updated anytime, anywhere.

    Contact the technical support operators on the hotline, where they will be happy to help you.

    And, of course, information can be obtained at petrol stations and on receipts after refueling.

    Remember that bonuses are valid no more than 36 months after crediting. Save and spend, otherwise after this time they will automatically burn out.

    How can I spend my accumulated points?

    A frequently asked question from Rosneft customers is what to spend on bonuses on the card?

    It is possible to use the accumulated funds provided that 1 point \u003d 1 ruble:

    • You can pay for the entire purchase with bonuses, provided the amount is sufficient.
    • Pay for any goods that will be offered at gas stations.
    • Pay for services offered by program members.

    What other opportunities does Rosneft provide (bonus card)? Gifts and valuable prizes can be received in return for the accumulated points.

    Bonuses and gifts are not issued in cash. The number of promotional prizes themselves may be limited.

    Benefits of the Rosneft bonus card

    Registration is free, and there is also an unlimited period of validity.

    Replenishment of funds is possible throughout Russia, where Rosneft and TNK filling stations are present.

    You are holding not one Rosneft bonus card, but a unique set, which consists of one leading and two auxiliary cards.

    All cards are linked to one personal account. A pin code is issued for each card in a separate envelope.

    The main card is at the package designer. Additional ones can be passed on to third parties, relatives or friends. Points are accumulated from all cards to one account.

    Your personal account allows you to manage the services yourself. Set limits for deducting points or refueling any vehicle that uses one of your cards.

    All credits take place automatically upon presentation of any of the cards.

    If you want to keep abreast of information about promotions, about debits and charges - connect the alert. The information will be sent to your phone as an SMS message or e-mail.

    You can store your personal funds on the card, and you do not have to pay for the annual service.

    Pay for some of the services and goods in cash, and write off some with bonuses. Moreover, you can pay by card for a huge number of services: a car wash, a hotel, repairs at a service station, goods. It is very convenient and profitable if you run out of money, for example. In this case, points are still credited to the account. The crediting will take place in the amount for which the payment was made in real money.

    Under certain conditions, this plastic does not carry a credit limit. Also, interest is not accrued on the client's personal funds, which may be on it. But at the same time, there is no annual service, unlike banking services. You keep your money on it for free.

    Lost one or all cards - write a statement and get a new set of three cards. A completely new personal account will be opened for you. At the same time, you can always link the previous and new account without losing your savings.

    Only you, as the owner of the leading card, will be able to spend bonuses at your discretion, additional cards can only accumulate them.

    This is not just a discount on gasoline, the most important is the 18% value added tax refund.

    All of the above advantages of a savings card can be assessed only by using it. This tool in your arsenal aims to save money and time. And what could be more valuable than time?