02.04.12
Russia Raiffeisenbank’s MALINA MasterCard is now a debit card

Raiffeisenbank and MasterCard announce the launch of Raiffeisenbank’s MALINA^® MasterCard debit card. Earlier, Raiffeisenbank’s line of co-branded products offered together with the MALINA accumulation programme included only a credit card.

The co-branded debit card gives holders the opportunity to join the MALINA accumulation programme and receive points when making purchases. For each 100 roubles spent on the card the holder receives 10 points. As well as this, 1,000 points are given to the holder every year on his/her birthday.

A pleasant addition is that the card provides access to an individual concierge service 24 hours a day, 365 days a year, in which card holders can receive information on hotels, restaurants, public transport, car rental, holiday resorts and much more. There are special conditions on Raiffeisenbank MALINA^® MasterCard’s issued before May 31, 2012: the card is provided with no service fee for one year, and 10,000 points are given for purchases of 25,000 roubles or more made within three months of the date of issue of the card.

Raiffeisenbank’s MALINA^® MasterCard is issued with the innovative MasterCard^® PayPass™ one-touch payment technology which speeds up the payment process and makes it more convenient. The card must simply be touched on the PayPass terminal at the cash register. Payments under 1,000 roubles are made without entering the PIN code. For more detailed information on PayPass technology visit the website at http://www.paypass.ru/.

The card also contains a chip and supports the MasterCard^® SecureCode™ system (3D-Secure protocol) which reduces the risk of its unauthorized use for purchases over the Internet.

You may open a new Raiffeisenbank MALINA^® MasterCard debit card in any branch of Raiffeisenbank.

ZAO Raiffeisenbank is a subsidiary of Raiffeisen Bank International AG. Raiffeisenbank ranks 10^th among the Russian banks in terms of assets, based on 2011 results (Interfax-CEA). According to the same Interfax-CEA data, ZAO Raiffeisenbank ranked 5^th in terms of liabilities of individuals and 8^th with regard to consumer lending.

Raiffeisen Bank International AG (RBI) regards both Austria, where it is a leading corporate and investment bank, and Central and Eastern Europe (CEE) as its home market. In CEE, RBI operates an extensive network of subsidiary banks, leasing companies and a range of other specialised financial service providers in 17 markets. RBI is the only Austrian bank with a presence in both the world’s financial centres and in Asia, the group’s further geographical area of focus. Around 59,000 employees service about 13.8 million customers through around 2,900 business outlets, the great majority of which are located in CEE. Raiffeisen Bank International is a fully-consolidated subsidiary of Raiffeisen Zentralbank Oesterreich AG (RZB). RZB indirectly owns around 78.5 per cent of the common stock, the remainder is in free float. RBI’s shares are listed on the Vienna Stock Exchange. RZB is the central institution of the Austrian Raiffeisen Banking Group, the country’s largest banking group, and serves as the group head office of the entire RZB Group, including RBI.