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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.
emmaDawson
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Linnette Reviews
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Linnette Reviews

Linnette is a straightforward finance tool that keeps it real. No frills, just a simple way to manage your money. It's designed to help you stay on top of your finances without all the extras. With Linnette, you can keep track of your money and make sense of your spending.
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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.

summarizeEditor'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.

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settingsSpecifications

Annual fee0 RUB
Кешбэк5/10
Плюшки8/10
Cashback rateUp to 5% (promo period), now 0.5% standard
Ozon discount1% on purchases paid with the card
ВердиктХорошо
Contactless limit1500 RUB per transaction
Рассрочка8/10
Приложение9/10
Foreign transaction fee2.5% of the amount
Обслуживание9/10
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.

live_helpFeatured FAQ

Why did the extra cashback stop after two years?

The bank announced that the promotional cashback tier was a limited‑time offer that ended in 2025. It wasn’t a system error – the terms were always set to expire after a certain period.

Can I still get discounts on Ozon after the cashback ended?

Yes, the standard 1% discount on Ozon purchases remains active as long as you use the card for payment. It’s a permanent perk, unlike the extra cashback.

How does the card’s mobile app help with budgeting?

The app categorizes your spend automatically, shows real‑time balance updates, and lets you set monthly limits. It’s a handy tool for keeping tabs on everyday expenses.

Is the card’s customer support reliable for overseas issues?

Customer support is reachable 24/7 via phone and chat, and they typically resolve overseas transaction disputes within 48 hours. However, foreign transaction fees still apply.

What security features does the card offer?

It includes EMV chip, contactless protection, and instant freeze/unfreeze options in the app. You also get SMS alerts for large or unusual purchases.

Are there any hidden fees I should watch out for?

Aside from the standard foreign transaction fee, there are no hidden maintenance charges. Just watch out for cash‑advance fees if you use the card at an ATM.

How does the card compare to other no‑fee cards in Russia?

It stands out with the Ozon discount and a user‑friendly app, but competitors may offer broader merchant discounts or lower foreign fees. Choose based on which perk matters most to you.

Can I return the card if I’m not satisfied?

Yes, the bank allows a 30‑day return period for a full refund of any fees you might have incurred. Just contact customer support and request the return.

check_circlePros

  • •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

cancelCons

  • •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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