The essence of the project is that upon payment the bearer of the Motsnay Kartki» can receive a discount on a purchased product or a bonus, which can later be exchanged for a real discount.
There are two ways to earn money, although it would be more accurate to say “save” using “Motsnai Kartkai”:
- Discount program;
- Bonus program.
Discount program - these are purchases in partner stores of the Motsnaya Kart loyalty program. Each Motsnai Card holder is given a discount upon purchase: for a specific product or the total amount of the receipt. Note that it is not necessary to pay exactly “Motsnai Kartkai”, you can simply present it.
The bonus program is valid at all retail outlets that accept payment by bank card. For each “Motsnai Kartkai” payment, a bonus is credited to the owner’s personal account - 1 point for 10 BYN. Then these points can be exchanged for real discounts from loyalty program participants.
In addition to supporting the discount system, the Motsnaya Card offers all the usual features of a bank card. With its help you can:
- pay in stores and online services:
- connect Internet and SMS banking services;
- transfer and withdraw salaries and other payments;
- get a loan or overdraft;
- carry out other operations usual for a bank card.
On the official website of OJSC "Belinvestbank" http://www.belinvestbank.by in the section "Individuals", subsections - "Payment cards", "For purchases and travel" you can find the product - BELKART-PREMIUM-Maestro “Motsnaya card”.
Belinvestbank offers to pay for the Motsnaya Card service at the same rates as for other cards.
Mots card of Belinvestbank. List of stores. Discount and Bonus program
The “Motsnaya Card” discount program is valid when the card holder makes payments to companies participating in the loyalty program. Their list continues to grow. We have already discussed the differences between the discount program and the bonus program. Ultimately, a real discount can only be obtained from loyalty program participants. But here some nuances should be taken into account:
The amount of discounts on a product (goods or service) is determined by the selling company. It’s better to find out about this in advance on the website www.bestcard.by. In the “Motsnay Card Discounts” section there is a list of partners, very conveniently divided by city and industry.
It’s worth talking about partner stores separately. They were not particularly evenly distributed across sales areas.
The size of the discount depends on the trade organization and can be provided in the amount of 3, 5, 7, 10, 20%:
- Online stores
- Products and manufactured goods
- Construction and home goods
- Clothing, shoes and accessories
- Cosmetics and perfumes
- Auto, gas station and service
Most of them are sellers of clothing and shoes. Discounts in this category can reach 20%.
The program has many partners in the construction industry. In the category you can find famous stores and get nice discounts.
There are also online stores on the list, including quite well-known ones.
Receiving discounts under the bonus program is more difficult than simply presenting a card. To do this, you will have to register on the portal www.bestcard.by, log into your personal account, monitor the accrued bonuses (points), and exchange them for discount coupons. But the very idea of receiving discounts in some stores for purchases in others seems very interesting.
Mots card of Belinvestbank. Application practice
It’s easy to get OJSC Belinvestbank. You need to either write a statement about this in one of them (it’s better for inexperienced clients to do so), or fill out a request on the website http://www.belinvestbank.by. At the branch, ordering a card will cost 7 rubles 50 kopecks “new”, on the website - 6 rubles. If the “Motsnaya Card” is issued as a salary card, then you do not need to pay for its issuance.
Before applying for a card, it makes sense to get acquainted with the Public Offer Agreement; all the rules for further relations with the Motsnaya Card service are spelled out there. The text can be found on the website www.bestcard.by, “button” at the bottom of the page. The Offer names the operator of the Motsnaya Kartka system - ProfMarketSystem LLC.
The Agreement warns clients in advance that the size and conditions of discounts are determined by the sellers. They also warn, strictly and repeatedly, about the inadmissibility of violations and abuses of the rules and other dishonest actions of the card owner. Warn about the possibility of changes in the terms of the contract and the client’s obligation to independently monitor such changes.
The offer indicates in advance a list of transactions to which discounts and bonuses will not apply. This:
- all account replenishment and cash withdrawal operations;
- loan transactions;
- payment of utilities and other payments through ERIP;
- transfers to another card, account, mobile wallet;
- payments abroad;
- operations related to the gambling business, incl. lotteries.
Belinvestbank OJSC and ProfMarketSystem LLC do not interfere in relations between the seller and the buyer not related to the implementation of the Loyalty Program.
After carefully reading the Offer, hopes for a “freebie” noticeably dim (they will completely disappear later, during purchases), but there is no catch in the conditions.
Things are much more interesting with the program partners. Typically, advertising reports the maximum possible discounts, but does not say anything about which specific products these discounts apply to. It is also customary to remain modestly silent about other obstacles and restrictions.
Can the Motz Card be considered a profitable service? When purchasing a promotional product with a card, the winnings are obvious. Taking into account the bonus program - even more so. But you can only evaluate the real benefit yourself by comparing specific amounts.
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November 18, 2014 13864On November 18, 2014 BELKART introduced a new loyalty program “Motsnaya Card”. As BELKART director Alexander Sotnikov noted, the state has been making significant efforts in recent years to increase the level of non-cash payments.
“However, if there is only one “stick” in the form of significant regulatory changes, it will be very difficult to gain trust, so there must also be a “carrot” in the form of a cost-effective motivation for market participants to preferentially use non-cash payments.”,” emphasized the director of BELKART.
The “Motsnaya Card” program is intended to become such a carrot. Both trade and service enterprises and banks can participate in the program.
The loyalty program implies that by paying with a card issued by a bank participating in the program, you can receive a discount from retail and service facilities participating in the same program.
Among the first: AXIS, Belorusneft gas station chain, Belwest, Black Red White furniture store chain, Buslik stores, Vitalur retail chain, GUM, KRAVT, LODE, Mila chain of stores, OMA, chain of stores " Native side" and some others.
Negotiations are still underway with some large retail chains, but Motsnaya Kart is open to everyone.
Screenshot from bestc website
ard.by
Interestingly, discount programs are already in effect in many of these retail chains. For example, in Vitalur the discount still reaches 5%. Now approximately the same discounts and under the same conditions are provided under the Motsnaya Card program. We warn you right away - discounts cannot be combined.
Screenshot from bestc websiteard.
by
Discounts under the “Motsnaya Card” program in the Belorusneft gas station network
Those present present a new loyalty program
The only bank that is currently participating in the program is Belinvestbank. As Alexander Sotnikov stated, participation agreements have already been concluded with BPS-Sberbank And Technobank. Two more Belarusian banks are at the stage of concluding agreements.
In reality, the “Motsnaya Card” in Belinvestbank was embodied in the co-branding card BELKART-PREMIUM - Maestro.
The advantages of the new card product, which drew attention to Belinvestbank:
there is a discount system valid for the card, and the opportunity to participate in bonus programs. The card can replace a couple of dozen discount cards.
presence of a chip
cardholders are subject to the “zero liability principle”
You can use the card to pay abroad and online
On the back of the card is a barcode familiar to price tags for goods.
There is one small but significant drawback. The card can only be a payment card. Representatives of Belinvestbank commented on this situation as follows: the bank has savings cards, if “surplus” funds appear on the Motsnaya card, you can transfer them to a savings card.
Perhaps the next bank that takes part in the loyalty program will be able to offer a link to a deposit or the “Motsnykh” savings function cards. Then, most likely, the market is behind him.
In the meantime, Belinvestbank plans to issue about 100 thousand new cards per year. As part of salary projects, cards are supposed to be issued free of charge. When ordering through Internet banking, the cost of issuing and servicing a “Motsnaya Card” for 5 years will be 40 thousand. For a person “from the street” it will cost 50 thousand.
The bonus program provides for the accrual of 1 point for every 100 thousand Belarusian rubles with which you paid for purchases. The points are summed up.
Screenshot from bestcard website.by
What can you “spend” points on?
BELKART presented a new program, Belinvestbank presented a new card. It can be noted that in this case the new is a well-tested old. We will be waiting for new cards from Belarusian banks as part of the Motsnaya Card loyalty program.
Our project “Upgrade your Motsnaya Card” has reached the point beyond which it is customary to spend bonus points. But what can you do if they suddenly take it and accumulate it? :) So we instructed the correspondents to check - is it really possible to buy something not for real money, but for abstract bonuses?
So far, only our Guest from sunny Khayastan has responded. That's his word. Good afternoon, dear readers!
As promised, today I will describe my experience of purchasing goods in Motsnai Kartki partner stores. After all, having accumulated a significant amount of points, you need to use them.
I’ll say right away that figuring out what and how was quite simple! There are points. They offer discounts. But mainly it concerns food delivery. But I wanted something inedible.
After looking through the entire list of partners (it is quite impressive), I chose the gift store. Moreover, I had a long-standing dream - to try out a thermal mug.
Don't let my nickname mislead you. Even though I call myself “ Guest from sunny Khayastan“, but I didn’t “come down from the mountains” yesterday. In a word, I follow the progress and innovations in technology. But such an invention as a thermal mug passed me by.
So I decided to test this hitherto unknown know-how.
Having received the purchase code, I wrote it down in my notebook.
And here it is, the first discovery!
I had barely placed my order when my phone rang. I couldn’t even think that this call was related to my order.
After that, the stranger introduced himself and said that he was from Motsnai Karta. I also asked if the online store had called me yet.
Explaining that not even five minutes had passed since placing the order, I answered in the negative.
The stern voice of the Motsnaya Karta representative grumbled that the order was being processed for too long, apologized for his colleagues and promised to hurry up the gift shop. I'll be honest: “I have never seen such service anywhere!”
I caught myself thinking that this kind of service is probably what distinguishes a quality service from an ordinary one. And our people are built in such a way that they are even willing to overpay for quality service. After all, not only do I receive goods at a discount, but also entire divisions of large companies improve their already high-quality service :)
A maximum of 10 minutes passed and my phone rang again. This time, a pleasant female voice clarified my details, whether I ordered a thermal mug and the time when it would be convenient for me to accept the order. Then for several minutes we tried to find the most optimal option for me to meet the courier. To be honest, there were enough of these options, but I wanted to prolong the situation a little in which you feel that you are a CLIENT who is always right and valuable to the seller.
But, unfortunately, certain agreements were gradually reached :) We planned a meeting with the courier for the evening.
After about 30 minutes, a stern, but fair, male voice sounded again in the handset of my mobile phone. He asked if they had contacted me about the delivery of the goods, and whether I was satisfied with everything in the conversation with the seller. At the end, apologizing for the fact that it took so long to process the application, the voice wished me a pleasant evening and said goodbye.
In the evening, after the courier brought me a thermal mug, I was able to begin diagnosing this wonderful invention. I must note that a very intelligent person came up with it :)
Over the past few years, serious work has been carried out in Belarus to transfer all payments to non-cash rails. Previously, it was customary to act with a “stick”, but today in Minsk they presented a “carrot”. Belkart launched a special republican loyalty program “Motsnaya Card”.
According to experts, everything works simply: you come with a new card to a retail outlet that participates in the program, buy goods, and receive a discount. The discount is provided automatically by reading the barcode on the back of the plastic.
- When forming the concept of building our loyalty program, we took into account both global experience and national characteristics of the retail market and payment ecosystem,- says Belkart director Alexander Sotnikov. - The pool of trading enterprises is formed in such a way that the program includes representatives of each developed segment of the Belarusian trade and services market. At the same time, Belarusian brands enjoy certain preferences. The key difference between our loyalty program is the fact that the main audience is salary card holders. This is a fairly serious entry into the market, because we will provide “Motsny cards” according to a knurled pattern and a large number of holders. The second point is that this card combines a discount and bonus system.
“Motsnaya Card,” according to Sotnikov, is a multi-bank and multi-brand program. Any Belarusian banks and trade organizations can join it. The program will work only within the national payment system. Within the framework of a co-branded card (for example, Belkart-Maestro, like Belinvestbank, which was the first to join the program), discounts and bonuses will also work.
As of November 5, 17 players were involved in Motsnay Kart. Among them are Axis, Apteka Group, Belorusneft, Belwest, Buslik, Vitalur, GUM, Kravt, Lode, Mila, Oma, Rodnaya Storona, Lescal ", "Westerly". The current list and amounts of discounts can be viewed on the loyalty program website www.bestcard.by. Other large retail chains are expected to join in the near future. The plans, according to representatives of ProfMarketSystem (the developer of the program), include the development of functionality and new services, including “the use of mobile devices and social networks to receive discounts.”
A bonus program will be launched in December. For every 100,000 rubles spent, you will be awarded a point, and then the points can be exchanged for discounts.
Deputy Chairman of the National Bank Sergei Dubkov spoke about some innovations. In Belarus, it is planned to make it mandatory to activate the SMS notification service for payment card holders (you can refuse the service if you wish). But the paper check card, which is now issued in stores, will no longer be mandatory. Banks will also be required to comply with the principle of zero liability for plastic owners.
"Motsnaya card" - all discounts on one bank card!
Do you have a lot of discount and bonus cards from various retail chains in your wallet? Now you can replace them with one card and pay with it! "Motsnaya card" - discounts from popular stores and service companies on your bank card!
Our partners
Motsnai Card discounts are offered by more than 60 companies at more than 1,300 points of sale. Among them:
And many other businesses!
Since July 1, 2015, informing customers about the Motsnaya Card discount program has been implemented on the online platform Catalog.TUT.BY.
How it works?
To receive a discount in a store or service company, simply present it at the checkout before paying. On the back of each Motsnaya Card there is a barcode and the loyalty program logo.
The barcode number on the card serves as an identifier for the card and the client.
The discount can be provided in two ways:
- automatically when the cashier scans the barcode on the back of the card;
- to bearer, thanks to the presence of the Motsnaya Card program logo on the back.
It is important!
The conditions, procedure for providing a discount, as well as its size are determined by each company independently and may change over time, so before making purchases, check out the current information about discounts on the Motsnai Card.
Where can I get a Mots card?
The Motsnaya Card program includes 6 participating banks , issuing salary cards, as well as regular debit, savings or credit cards.