Rules of the loyalty program "My Bonus"
- These Rules of the My Bonus Loyalty Program for holders of debit bank payment cards (hereinafter referred to as the Rules) determine the procedure for providing customers under the My Bonus Loyalty Program (hereinafter referred to as the Program) with special conditions for settlements with bank payment cards, the list of which is specified in Appendix 1 to these Rules.
When issuing a bank payment card specified in Appendix 1 to these Rules, the client becomes a participant in the Program and expresses his consent to participate in the Program by issuing an appropriate bank payment card and confirms that he is familiar with these Rules and agrees with them. The client may refuse to participate in the Program by terminating the use of a bank payment card. - The program is implemented by JSC Belagroprombank (hereinafter referred to as the Bank) in order to increase customer loyalty and motivate them to increase the share of non-cash payments using bank payment cards and (or) their details when making retail payments.
- Start date of the Program: from 24.06.2016.
- The following terms, definitions and abbreviations are used in these Rules:
Money-back - income paid by the Bank to the Client in the form of a percentage of the amount of non-cash debit payment for goods (works, services) using the Card and (or) its details in the OTS;
MCC (merchant category code) is a four-digit number that classifies the type of activity of the OTS. MCC is assigned to a specific OTC by the acquiring bank in accordance with the rules of the Payment System;
OTS - organization of trade and service;
Card - a bank payment card issued by the Bank to the Client;
the Client is the owner of the Account;
Payment system – VISA and Mastercard international payment system, Belkart payment system;
Website - the corporate website of the Bank on the Internet at www.belapb.by;
Account – a current (settlement) bank account, access to which is provided using the Card specified in Appendix 1 to these Rules, opened with the Bank. - The amount of Money-back is determined by the Terms and Conditions of the My Bonus Loyalty Program, given in Appendices 3-10 to these Rules, and is indicated on the Website, and is also available by calling the Contact Center 136.
Operations that are not taken into account when paying out Money-back are determined by the Terms of the My Bonus Loyalty Program, given in Appendix 2. - The Bank has the right to set restrictions (limits) in the absolute maximum possible amount of Money-back that can be paid to the Client (credited to the Client's Account) under the Program:
- from the amount of one non-cash payment using the Card in the OTS (hereinafter referred to as the one-time limit);
- within a calendar month (hereinafter referred to as the monthly limit);
- during the calendar year (hereinafter - the annual limit).
The sizes of such restrictions (limits) are determined by the Terms of the My Bonus Loyalty Program, given in Appendices 3-10 to these Rules, and are indicated on the Website, and are also available by calling the Contact Center 136. - The Bank has the right to unilaterally change the amount of Money-back and restrictions (limits) specified in p.p. 5 and 6 of these Rules.
The actual amounts of Money-back and restrictions (limits) are indicated in the relevant section on the Site. - Money-back under the Program is calculated and credited to the Client's Account in the following order:
- the calculation of the Money-back amount is carried out from each operation of debiting the amount of non-cash payment using the Card and (or) its details in the OTS for the reporting period (calendar month), reflected on the Client's Account, while the operations of returning and canceling non-cash payment using the Card and (or) ) its details in the OTS, reflected in the Client's Account in the reporting period, are deducted (recorded with a minus sign);
- the Money-back amount is credited to the Client's Account no later than the 5th business day of the month following the reporting month (calendar month);
- if the amount of Money-back calculated by the Bank exceeds the monthly limit, the Money-back amount equal to the amount of the monthly limit is credited to the Client's Account;
- in case of closing the Client's Account, Money-back is not credited to the Client's Account. - The Bank has the right to unilaterally make changes and (or) additions to the Rules, including by approving them in a new version. If changes are made to the Rules, the Bank informs the Clients on the Website no later than 3 (three) calendar days before the date of entry into force of the new version (notification period) by posting an electronic version of the new version of the Rules in the appropriate section on the Website.
- The Client is obliged to independently monitor the introduction of changes and additions to the Rules. The performance by the Client of actions aimed at using the Card after the entry into force of the new version of the Rules is a confirmation of the Client's consent with the new version of the Rules.
The Client must not abuse the opportunities provided by the Program for artificial (in the subjective opinion of the Bank) overestimation of the income received under the Program.
In case of detection of abuses specified in part two of this paragraph, the Bank reserves the right to refuse to pay the Client Money-back within the framework of the Program. - The Bank has the right to suspend the Program for any period of time with prior informing the Clients on the Website at least 3 (three) calendar days before the suspension of the Program.
The Bank has the right to unilaterally close the Program with prior informing of the Clients on the Website at least 3 (three) calendar days prior to the closing of the Program. - The Bank does not pay out Money-back for non-cash payment transactions:
- committed in the OTS with incorrect MCC codes or other incorrect identification information;
- reflected on the Client's Account after the date of termination (suspension) of the Money-back payment in accordance with paragraph 11 of these Rules. - The Bank's liability to the Client for violation of the Rules is limited in the event of any claim related to the receipt of Money-back, by the amount in the amount established by the Terms of the My Bonus Loyalty Program, given in appendices 3-10 to these Rules. If the Client makes a claim related to the receipt (non-receipt) of Money-back, the Bank, if the claim is justified, shall pay out the Money-back provided for by the Program.
- Taxation of the income received by the Client under the Program with the marching tax from individuals is carried out in accordance with the tax legislation.
- The Client agrees with the fact that the Bank is not able to control or otherwise influence the assignment by third-party acquiring banks of the OTS of the correct MCC codes, as well as other identification information within the Payment System.
- The Parties are responsible for their actions (or inaction) under the Program in accordance with applicable law.
Appendix 1
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
BANK PAYMENT CARDS PARTICIPATED IN THE "MY BONUS" LOYALTY PROGRAM
| Card type | Card name and service (package) within which the card is issued | Account currency |
|---|---|---|
|
BELKART-PREMIUM (pension), BELKART-PREMIUM-Maestro (pension) Mastercard Unembossed «Motsnaya kartka» - «Zabota» |
Card as part of the «Zabota» package | Belarusian ruble |
| Visa Infinite | Card Visa Infinite | Belarusian ruble, US dollars, euro, Russian ruble |
| Mastercard World «О-GO!» | One card Mastercard World «О-GO!» | Belarusian ruble |
| Mastercard Standard «Student card» BELKART-PREMIUM «Student card» |
Card within the product "Student Card" | Belarusian ruble |
| Visa Classic MINI «Drive» Visa Classic «Drive» |
One card «Drive» | Belarusian ruble |
| Mastercard Standard «Motsnaya kartka» - PerekrestOK | Basic card Mastercard Standard «Motsnaya kartka» – PerekrestOK | Belarusian ruble |
| BELKART for boys BELKART for girls BELKART for children with individual design BELKART-PREMIUM for boys BELKART-PREMIUM for girls Visa Classic for children |
Card within the product "Children's card" | Belarusian ruble |
| Mastercard unembossed, Mastercard Unembossed "Motsnaya Kartka" Mastercard Standard, Mastercard Standard “Motsnaya Kartka”, Visa Classic, Mastercard Gold, Mastercard Gold “Motsnaya Kartka”, Visa Gold, Visa Platinum |
Basic salary card within the package "Salary" (Comfortable) | Belarusian ruble |
Appendix 2
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
OPERATIONS (MCC codes) THAT ARE NOT CONSIDERED WHEN PAYING MONEY-BACK:
- MSS 4900, 9311, 9399 (transactions to pay for utilities and financial services, taxes, fines and other obligatory payments; operations in self-service devices, ATMs, remote banking systems; operations to repay loans, place deposits and pay bank commissions);
- MCC 6010 (cash withdrawal operations);
- MSS 6011, 6012 (operations at the cash desks of financial institutions);
- МСС 4829, 6529, 6530, 6531, 6532, 6533, 6534, 6536, 6537, 6538, 6540 (operations of replenishment and transfer of funds);
- МСС 9402 (non-cash payment operations in bank devices installed in RUE "Belpochta");
- МСС 4812, 4814, 6028, 6050, 6051, 6211, 7299, 8999 (non-cash payment operations and transfers through services);
- MSS 7800, 7801, 7802, 7995, 9754 (gambling, wagering).
Appendix 3
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CO-BRANDED CARDS ISSUED AS PART OF THE "ZABOTA PACKAGE
| Money-back | 2% of non-cash payment transactions in OTS |
|---|---|
| МСС ОТS | 5912 (pharmacy operations) 5499 (products) 5331 (supermarkets) 5411 (groceries) 5311 (department store) |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 4
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS VISA INFINITE
| Money-back | 2% of non-cash payment transactions in OTS |
|---|---|
| МСС ОТS | 4411 (cruise lines) 7992 (Golf courses) 7997 (Club memberships, private golf courses) 4457 (Rent and hire of boats) 4468 (Marinas, their maintenance and supply) 5094 (Precious stones and metals, watches and jewelry) 5271 (Sale of caravans) 5309 (Duty Free Shops) 5511 (Cars and trucks - sale, service, repair, spare parts and leasing) 5551 (Sale of boats) 5561 (Caravans, residential and cargo trailers) 5571 (Sale of motorcycles) 5592 (Mobile homes for sale) 5598 (Snowmobiles for sale) 5599 (Sale of various types of motor vehicles, aircraft and agricultural equipment, not previously classified) 5681 (Manufacture and sale of fur products) 5718 (Sale of fireplaces, fireplace screens and accessories) 5932 (Antique shops - sale, repair and restoration services) 5937 (Shops selling reproductions and antiques) 5944 (Stores selling watches, jewelry and silverware) 5948 (Stores of leather goods, travel accessories) 5950 (Crystal and glassware stores) 5971 (Galleries and art brokers) 5972 (Coin and stamp shops (philatelic and numismatic)) 5977 (Cosmetics stores) 8111 (Lawyers, legal services) 8675 (Automobile Associations) 8699 (Organizations, membership - not previously classified anywhere) |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 250,00 BYN/100,00 USD, EUR/6000,00 RUB |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 5
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS MASTERCARD WORLD «О-GO!»
| Money-back | MSS OTS codes in which the service is available |
|---|---|
| 2% | 5655 (Sportswear, riding and motorcycle clothing); 5940 (Bicycle shops); 5941 (Sporting goods stores); 5996 (Swimming pools); 7032 (Recreation and sports camps); 7033 (Campsites and trailer parks); 7298 (Beauty and health salons); 7932 (billiard clubs); 7933 (Bowling clubs); 7941 (Athletic fields, commercial sports, professional sports clubs, sports promoters); 7992 (Public golf courses); 7997 (Country clubs, membership: athletics, recreation, sports); 7999 (Recreational services not elsewhere classified, generally involving active physical participation: swimming, miniature golf, skiing, skateboarding, horseback riding, etc.); 8011 (Doctors, not elsewhere classified); 8049 (Orthopaedists); 8071 (Dental and medical centers); 8099 (Medical services not elsewhere classified). |
| 0,5% | All other MCCs, with the exception of the MCCs specified in the previous paragraph and (or) operations in accordance with Appendix 2 to the Rules of the My Bonus loyalty program for holders of debit bank payment cards |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 6
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS ISSUED UNDER THE STUDENT CARD PRODUCT
| Money-back | MSS OTS codes in which the service is available |
|---|---|
| 0,7% | 4111 - Passenger transport - commuter and local commuter services, including ferries 4112 - Passenger rail transport 4131 - Bus lines 4511 - Airlines, air companies 5192 - Books, periodicals and newspapers 5311 - Department stores 5441 - Confectionery 5462 - Bakeries 5812 - Catering places, restaurants 5814 - Fast food 5942 - Bookstores 5943 - Shops for office, school supplies, stationery 7298 - Beauty and health salons 7832 - Cinemas |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 7
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS «DRIVE»
| Money-back | MSS OTS codes in which the service is available |
|---|---|
| 2% | 5541 - Service Station 5542 - Automated fuel filling station 5983 - Sale of fuel |
| 1% | All other MCCs, with the exception of the MCCs specified in the previous paragraph and (or) operations in accordance with Appendix 2 to the Rules of the My Bonus loyalty program for holders of debit bank payment cards and (or) transactions made in MCC 5411 (Grocery stores, supermarkets ) |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 8
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS MASTERCARD STANDARD «MOTSNAYA KARTKA» - «PEREKRESTOK»
| Money-back | MSS OTS codes in which the service is available |
|---|---|
| 2% | chain of stores "PerekrestOK" |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 9
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR CARDS ISSUED UNDER THE CHILDREN'S CARD PRODUCT
| Money-back | MSS OTS codes in which the service is available |
|---|---|
| 0,5% | 5192 - Books, periodicals and newspapers 5311 - Department stores 5441 - Confectionery 5462 - Bakeries 5641 - Children's clothing stores 5651 - Family clothing stores 5812 - Catering places, restaurants 5814 - Fast food 5815 - Digital goods - audiovisual media, including books, films and music 5816 - Digital goods - games 5817 - Digital goods - applications (except games) 5818 - Digital goods - multi-category 5942 - Bookstores 5943 - Shops for office, school supplies, stationery 5945 - Children's stores |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit), | 50,00 BYN |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month |
Appendix 10
to the Rules of My Bonus
loyalty program for holders of debit bank payment cards
TERMS AND CONDITIONS OF THE MY BONUS LOYALTY PROGRAM FOR BASIC SALARY CARDS ISSUED AS PART OF THE "SALARY" (COMFORTABLE) PACKAGE
| Money-back amount: Mastercard Unembossed, Mastercard Unembossed «Motsnaya kartka», Mastercard Standard, Mastercard Standard « Motsnaya kartka », Visa Classic, Mastercard Gold, Mastercard Gold « Motsnaya kartka », Visa Gold, Visa Platinum |
0.5% of non-cash payment transactions in OTS 0.7% of non-cash payment transactions in OTS 1% of non-cash payment transactions in OTS |
| MSS OTS codes in which the service is available | Grocery stores and catering: 5199 (non-durable goods not previously classified), 5309 (Duty Free), 5331 (supermarkets), 5411 (supermarkets), 5422 (fresh and frozen meats), 5441 (confectionery), 5451 (retail dairy products), 5462 (bakery), 5812 (catering), 5813 (bars, cafes), 5499 (grocery stores), 5811 (ready meals (deliveries)), 5814 (snack restaurants); Non-grocery goods: 5137 (men's, women's and children's overalls), 5139 (work shoes), 5310 (discount stores), 5311 (department stores), 5399 (small retail outlets), 5611 (men's clothing), 5621 (women's ready-to-wear), 5631 (women's accessories), 5641 (children's clothing), 5651 (family clothing), 5655 (sportswear), 5661 (shoe stores), 5681 (furs), 5691 (men's and women's clothing stores), 5699 (various clothing and accessories stores), 5931 (second hand stores), 5941 (sporting goods stores), 5977 (cosmetics stores), 5999 (various specialty retail stores); Medicine and pharmacies: 5047 (dentistry), 5122 (pharmacies), 5912 (pharmacy), 5976 (orthopedic goods), 8011 (doctors), 8021 (dentists), 8042 (ophthalmologists), 8043 (optics), 8062 (medicine - hospitals), 8071 (medicine - dental and medical laboratories), 8099 (practitioners); Pets: 5995 (pet stores), 0742 (veterinary pharmacies). |
| Maximum Money-back amount from payment transactions in OTS per month (monthly limit) | 100.00 BYN (valid until 01.09.2022) 50.00 BYN (valid from 01.09.2022 inclusive) |
| Money-back payment procedure | Not later than the 5th business day of the month following the reporting month, for payment transactions in the OTS reflected in the Client’s Account in the reporting month*. * In July 2022, the period from 17.06.2022 to 30.06.2022 (inclusive) is taken as the reporting month. |
