The first stage will involvedigital cards that combine the functionality of Pyaterochka and Perekrestok loyalty cards with banking services such as payments, money transfers, and rouble-denominated cash back, among others.
The digital X5 Card is already available to users of the Perekrestok mobile app in ten cities. Within a month, the cards will also become available to Pyaterochka customers in 13 cities. To receive a card, users can update their current loyalty card to a bank debit card through either the Perekrestok or Pyaterochka mobile app. When registering through one of the apps, users can also order a plastic card, which will be delivered by courier. In addition, X5 Bank counters will also be able to issue cards.
Users can replenish their X5 Card through any of three mobile apps – Perekrestok, Pyaterochka, and Alfa Bank – without fees, at the ATMs of any bank in the Russian Federation or through the Faster Payments System. X5 Card users will be able to receive cashback of up to 2% on purchases, as well as up to 8% annual interest on their balance.
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