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Calculation of monthly card service fee
Calculation of fee is regulated by Tariffs for personal individuals debit card servicing. Please read the excerpt from the Tariffs:
- The average monthly balance is calculated for a calendar month by adding up the daily balances (as of the end of the day) in all client’s accounts during the month and dividing this amount by the number of calendar days in the respective month. The daily balance of the account in currencies other than Russian Roubles, is recalculated into Russian Roubles at the exchange rate of the Bank of Russia at the date of calculations.
- Payments under investment and saving life insurance programs include the amount of insurance premiums under the contracts of investment and saving life insurance programs concluded with the client-cardholder at the Bank starting from August 28, 2017, that are transferred by the end of the operational time of the last working day of a calendar month. Date of processing by AO UniCredit Bank of the payment order for money transfer to the insurance company is being taken into calculations (in case of making transfer in AO UniCredit Bank) or date of receiving the sum of money on account of insurance company (in case of making transfer through other channels).
- Purchases include the amount of non-cash transactions reflected in the account opened for settlements on the main card in rubles, for payment for goods, works and services in trade and service companies, including on the Internet. Types of non-cash transactions are determined in accordance with data from payment systems Mastercard and Visa. The list of transactions with the card for payment for goods, works and services that are not taken into calculations for monthly service fee, is determined by the Bank independently and match with transactions, that are not taken into calculations for Cash Back in accordance with the Rules of servicing bank cards of UniCredit Bank with the possibility of reward payout for card using.
- Money transfers from other banks, including from cards of other banks to UniCredit cards, and intrabank transfers from accounts of enterprises and individual entrepreneurs are taken into account as Revenue receipts on card account.
Cashback for purchases
The Bank pays monthly rewards, during the month following the reporting month. The full list of cash back categories is in the Rules for servicing bank UniCredit Bank cards with the possibility of paying rewards for using the card, at unicredit.ru.
Access to the airport business lounges
Nubmer of available free visits to business lounges is regulated by Rules of payment for priority access program services. Please read the excerpt from the Rules:
- 1 million rubles of average monthly balances = 1 free visit to business lounge.
- Maximum 10 free visits during a month.
- To calculate the number of free visits your balances in the previous month are accounted.
- Your companion’s visit is considered a separate visit.
