No servicing fee is payable if you satisfy at least one of the following conditions:
  • Keep a sum ranging from 2.5 million RUB on balance
  • Transfer your salary amount ranging from 300 000 RUB
  • Spend at least 100 000 RUB on all cards

Or get 5 stars by any of the following means:

  • 1 point for each 500 000 RUB in ruble accounts and/or investment products at the end of the month

Investment products in rubles are understood to be: deposits, mutual funds, trust management, Investment Life Insurance, "Raiffeisen Life" Interest-bearing Life Insurance, brokerage services (brokerage services executed in any currency, including USD/GBP/CHF/EUR, which are then summed up in rubles at the Central Bank exchange rate on the last business day of the month).

  • 1 point for every salary amount equaling 100 000 RUB (from a legal entity) each month.
  • 1 point for each credit amount issued by Raiffeisenbank equaling 3 000 000 RUB

Credit amounts are understood to be home loans and consumer loans (initial amount issued). Only current (non-closed) loans are considered.

  • 1 point for every 10 000 (USD / CHF / GBP) in your foreign currency accounts and/or investment products (USD / EUR) at of the end of the month

Investment products are understood to be: trust management, "Raiffeisen Life" Interest-bearing Life Insurance. Balances in the indicated currencies are summed up without conversion into ruble equivalents.

  • 1 point for each amount spent equaling 50 000 RUB per month on all cards.

1 star for each amount spent equaling 50,000 RUB per month on all customer cards. Spending in foreign currency will be recorded in rubles upon conversion at the Central Bank rate on the last business day of the month.

If you score less than 5 points the monthly servicing fee is 5 000 RUB per month.