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BELKART – payment cards

Belkart

Payment system BELKART is one of the three payment systems operating on the territory of the republic, while it is “our” (national), which means operating only in Belarus. How do BELKART cards differ from cards of international payment systems and which banks allow you to issue these cards?

BELKART cards – what are they and how do they differ from each other?

In order to answer the question, what is the difference BELKART cards from each other, as well as what is their difference from the cards of other payment systems, we will summarize all the information about the basic possibilities that cards, in principle, can have, and present it in the context of cards offered by the national payment system:

The difference between Belkart cards

Capabilities

BELKART Standard

BELKART Premium

BELKART Premium (Moznaya kartka)

BELKART-Maestro

BELKART-Maestro (Moznaya kartka)

BELKART Premium-Maestro

BELKART Premium-Maestro (Moznaya kartka)

Cash withdrawal from ATM

+

+

+

+

+

+

+

Payments for goods and services

+

+

+

+

+

+

+

Calculations on the Internet

+

+

+

+

+

+

+

Payments abroad or in foreign online stores

+

+

+

+

Support

+

+

+

+

+

+

+

Emergency lock

Emergency card issuance

Emergency cash withdrawal

Travel insurance

Purchase insurance

Medical referral service

Legal inquiry service

Concierge service

Access to VIP zones of airports

Discount program

+

+

+

Extended warranty

Already at the first glance at the table, it can be noted that the cards of the national payment system are inferior to their competitors in terms of “basic” capabilities. In fact, BELKART cards do not provide their user with any additional services or privileges. The only exceptions are cards whose name contains the prefix – MOTSNAYA.

Card – BELKART MOZNAYA

The presence of the prefix “MOTSNAYA” on the card means that this card allows its owner to receive discounts or to accumulate points for settlements in partner stores. In fact, the presence of only this feature allows us to allocate the BELKART Premium (Moznaya kartka), BELKART-Maestro (Moznaya kartka), BELKART Premium-Maestro (Moznaya kartka) cards to the category of premium cards. However, as it can be noted, in the case of BELKART-Maestro cards, there are some problems with understanding the term “Premium”, since in the MasterCard line, Maestro cards are entry-level cards.

At the same time, only BELKART-Maestro cards allow cardholders of the national payment system to make payments abroad or in foreign online stores, which, in the absence of other additional features of the BELKART card, can be regarded as a significant advantage in relation to cards that do not have this capabilities.

Where can I get a BELKART card?

Data on banks and specific types of BELKART cards that they offer are given in the table below. As can be noted, the cards of the national payment system are not offered by all banks of the Republic of Belarus, and even fewer banks offer cards with the possibility of payments abroad and with the ability to receive discounts and points.

Where to apply for Belcard?

Bank

BELKART Standard

BELKART-Maestro

BELKART-Maestro (Moznaya kartka)

BELKART Premium

BELKART Premium (Moznaya kartka)

BELKART Premium-Maestro

BELKART Premium-Maestro (Moznaya kartka)

Alfa Bank

+

Bank Solution

+

Belagroprombank

+

+

Belarusbank

+

+

+

+

BelVEB

+

Belgazprombank

Belinvestbank

+

BNB Bank

+

BPS Sberbank

+

+

BSB Bank

BTA Bank

+

VTB Belarus

Eurotorginvestbank

+

Idea Bank

+

Moscow-Minsk

+

+

MTBank

Paritetbank

+

+

Priorbank

+

RRB Bank

+

Technobank

+

+

+

Fransabank

Zepter Bank

+

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