I’ve had this card for two years, then they stopped the extra cashback and that really bugged me—but the bank still has some perks I’ll share.
add_circle Pros
- Zero annual fee – you start saving right away
- Extra 1% discount on Ozon purchases when you pay with the card
- Mobile app is intuitive, lets you track spend and rewards in seconds
- Fast activation: a quick photo and passport check, no paperwork
- Subtle blue design feels premium without flashy branding
- Responsive customer support that resolves issues within a day
- Good build quality – the card feels solid and durable
- Secure contactless payments with chip‑and‑pin fallback
remove_circle Cons
- The extra cashback program stopped after two years, cutting expected earnings
- Higher foreign transaction fees compared to some competitor cards
- Discount only applies to Ozon, limiting usefulness for non‑Ozon shoppers
- Cashback credits sometimes lag a week before appearing in the app
- Mobile app occasionally glitches when loading transaction history
- No premium rewards like travel points or lounge access
- Card limit is lower than some other no‑fee cards, restricting big purchases
- No instant notification for suspicious activity, only daily summary
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Editor's Summary
I’ve been swiping this bank card since early 2023, and the zero annual fee plus a steady 1% discount on Ozon buys made it feel like a sweet deal for everyday shopping. The low‑key blue look looks decent, and activation was a breeze – just a quick photo and passport scan, no paperwork. The extra cashback program vanished after two years, which was a real bummer, but the app is super easy to use and the customer support team usually sorts issues within a day. If you can live without that extra cash‑back boost, it’s still a solid value‑for‑money card that fits nicely in your wallet.
Specifications
Hey everyone! ❤️ Hope you're all doing great.
I can’t even remember how I ended up with this card—somewhere back in 2023, when I was looking for a simple way to get a little extra benefit on my everyday shopping.
Probably because it gave a discount on OZON purchases when you used the card, which sounded like a neat little perk at the time.
It really does make buying on Ozon a bit cheaper, shaving off a few rubles here and there that add up over the months.
The discount’s small, but it’s there, and that feels nice—like finding a spare coin in your couch.
Everyone likes to save a little, especially when it doesn’t require any extra effort.
The courier dropped it off, took a quick photo with me, checked my passport—nothing more, so the whole hand‑off was fast and painless.
The card’s blue, low‑key design, no branding, gives it a subtle look that blends in with any wallet.
App, interface 🔻 (my quick take)
In the Ozon app there’s a tab called “Ozon Bank”; tap it and you’re inside your online bank, where everything is just a couple of taps away.
You can lock the login with a PIN or set up fingerprint access, which adds a layer of security without slowing you down.
The app feels pretty convenient, and the UI is straightforward, so even if you’re not tech‑savvy you can figure it out in minutes.
There’s a support chat that replies fast and is pretty helpful, often solving issues before you even finish typing.
Ozon also tosses in some perks if you route your salary to their bank card, turning your paycheck into a little bonus.
All in all, I was happy with it. I used the card for a long stretch, got cash‑back, and took advantage of Ozon Bank’s installment plan, which made bigger purchases more manageable.
Installments 🔻 (quick rundown)
My limit used to be 147 000; now it’s been raised to 250 000, which gave me a lot more breathing room for larger buys.
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The installment plan starts with a zero‑interest period, then it ends and interest starts to creep in, so you get a short window of free financing.
I paid off the plan successfully, don’t use it anymore, but it really helped when times were tough, giving me a way to spread out payments without extra cost at first.
What’s handy is that whenever you take an amount, a monthly payment schedule pops up, showing even the overpayment, so you always know exactly what you owe.
My mandatory payment was due on the 30th, and missing that date would lock my limit.
If you miss that deadline, your limit gets blocked, which can be a real inconvenience if you still need to use the card.
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Now they’re offering me a credit card, but I’m not in a rush to take it; I’m waiting to see if the terms are worth the switch:
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Cashback 🔻 (quick look)
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Like any bank, you have to pick your cashback categories each month, which lets you tailor the rewards to what you actually spend on.
Ozon Bank sometimes throws out decent categories, so you can snag a higher percentage on things like groceries or travel.
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Overall, I’ve used the cashback pretty well; they usually credit it to my card on the 26th, which makes it easy to see the extra cash flow each month.