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My Mir Card from Ak Bars: The Ultimate Cashback Experience
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Ak Bars Bank Mir Debit Card
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Ak Bars Bank Mir Debit Card

I've been using my Ak Bars Bank Mir Debit Card for everyday purchases and transactions, and I gotta say, it's been a game-changer. The card is part of the Mir payment system, so you know you're dealing with a trusted financial partner. With this card, making payments and transactions is a breeze - it's secure, convenient, and hassle-free.
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My Mir Card from Ak Bars: The Ultimate Cashback Experience

summarizeEditor's Summary

I'm super stoked to share my experience with the Mir card from Ak Bars bank. This card is a total game-changer for cashback lovers - you get 10% cashback on everything, which is unheard of in the banking world. I applied in mid-October, but it took a week to get the card, which was a bit frustrating. Once I finally got it, I was impressed with the build quality and the fact that the battery lasts longer than expected. However, the activation process was a bit of a hassle, and I had to visit the bank's office in person. Despite that, the Mir card from Ak Bars has been a total winner for me, and I'd highly recommend it to anyone looking for a cashback card. The free card and 10% interest rate were the main draws for me, and I was excited to see if the card would live up to its promises. I've been using it for a while now, and I can confidently say it's been a great value for money.

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settingsSpecifications

KararKötü
KartFiyatı10/10
KartServisi3/10
HizmetKalite4/10
AktivasyonSüreci2/10
KartFonksiyonları6/10
ParaYatırmaKoşulları8/10
My Mir Card from Ak Bars: The Ultimate Cashback Experience
Hello everyone!
I recently got my hands on the Mir card from Ak Bars bank, and I'm stoked to share my experience with you.
So, how did I get this card? I stumbled upon an ad for the new debit card online, and since I love learning about new banking products, I dug into the details.
The title 'Cashback 10% on everything' really caught my eye, along with the words 'Free card' and '10% interest'. I'd never seen offers like this for banking services before.
What I found interesting was that I've never seen similar offers on the market for banking services.
As for the conditions, everything seemed pretty straightforward and clear, with its own limitations, of course, but which bank doesn't have them?
Getting the card and activation
I quickly filled out the application for the card (it was in mid-October) and thought I'd be using the card in 1-2 days, but that wasn't the case.
The Kazan bank wasn't exactly rushing to invite me to their only office in my city, and a week went by - I was starting to think they'd rejected my application, but the SMS finally arrived.
So, getting and activating the card was a really long process. Honestly, everything in this bank is done at a snail's pace. It felt like they weren't really interested in new customers, and you'd have to chase after them, not the other way around.
I was also surprised by the office's working hours - they're a classic 5-day schedule, until 6 PM. I'm still not sure how a working person is supposed to get there.
I had to take time off work to pick up the card, and even in the bank, the service was painfully slow - I waited 20 minutes for the cashier while they had a meeting, and then I spent another 40 minutes in the cash area while the woman was typing away.
I walked out of the bank branch feeling pretty crappy and annoyed - it seemed like they just don't respect their customers, forcing me to wait for hours instead of the 5-10 minutes it takes in other banks to receive a card.
It was a pretty rough experience, but things smoothed out after that.
How I use my debit card
I've had the card for 2 months now, and even with my experience using bank products, I still haven't fully explored all its features.
In 'Ak Bars' bank, there are a lot of confusing 'features' for me - these boxes (like some kind of loyalty program steps), and when I got the card, I also got a second green debit card - I still don't get how to use it, whether it's connected to the main card or if it has its own account, and if cashback 10% is also applied to it, etc.
So, I just closed it so it wouldn't bother me, and I'm only using the main card.
To use the 'Mir' card as efficiently as possible, you need to meet 2 main conditions:
1. Keep a balance of 30-100 thousand rubles on the card to get a 10% cashback (that's a great deal, by the way - right now, there aren't any other deposits with such conditions);
There's also a condition for initial card loading to start getting the cashback:
I was excited to fund my Mir card from Ak Bars with at least 30,000 rubles within a day of receiving it, and then keep the balance at 100,000 rubles for a month. This way, I'd get the maximum cashback.
However, if I spend more than 20,000 rubles in a month, I won't get any cashback. That's not very appealing.
The increased cashback offer is valid for the first 3 months after receiving the card, with a maximum cashback of 2,000 rubles per month and 6,000 rubles in total.
I'm glad I can still take advantage of this offer until the end of February 2023.
I'd be happy to share a referral link for the Mir card, but unfortunately, it's not valid for this specific card with the extra cashback offer.
However, the referral link does work for other Ak Bars cards, where you get cashback in grams of gold and other perks.
So, how I use my Mir card from Ak Bars:
1. I keep a large balance of around 100,000 rubles to get the maximum cashback.
2. For shopping, I transfer the required amount to my card to get the 10% cashback.
3. I constantly monitor my spending to avoid exceeding 20,000 rubles per month.
As soon as I approach or exceed this limit, I stop using Ak Bars for shopping.
4. Not paying with SBP in stores was a breeze, I skipped the order at L'etal, they promised a 2% discount for such a payment, but I would have paid with a card, as the cashback would have been 10% higher.
I've managed to consistently get my maximum cashback of 2000 rubles a month and a percentage on the card by doing some simple manipulations.
The perks of my debit card My life, which I'm using:
Cashback of 10% on payments up to 20,000 rubles a month for the first 3 months since the card's release;After the three-month promotional period ends, loyalty will be: 1.25% cashback for purchases over 20,000 rubles a month, 1% cashback for purchases under 20,000 rubles a month.
10% on the remainder from 30 to 100 thousand rubles;Free maintenance;0% commission for cash withdrawals at ATMs of any banks in Russia;Great customer support from the bank on VK - I've written to them multiple times, and they always respond promptly and clearly;In the app, you can't see the cashback percentage on the remainder, you need to check in the online version (at the beginning of the month).Affiliate programs (100 rubles for each purchase over 1200 rubles at Gazpromneft gas stations, 2000 rubles for OSAGO policy issuance).Disadvantages:
No ATMs in my city and only 1 office;Unconvenient office working hours;Long card production time;Everything good comes to an end quickly (I've already gotten used to the luxurious 10% cashback, and it'll be sad to say goodbye to it in 2023);Cashback arrives by the 14th (it's always unclear when, usually around the 9-10th of the next month);You can't pay for utilities with the 10% cashback, as the app only recognizes Tatarstan's utility companies, and our QR codes aren't recognized;I'm totally sold on this card for everyday purchases - it's a breeze to use, and the cashback terms are unbeatable!

live_helpFeatured FAQ

How do I apply for the Mir card from Ak Bars bank?

You can apply for the card online by filling out the application form on the Ak Bars bank website. Once you've submitted your application, you'll receive an SMS with instructions on how to proceed.

What are the benefits of the Mir card from Ak Bars bank?

The card offers 10% cashback on everything, a free card with no annual fees, and a 10% interest rate on your balance. It also has good build quality and battery life, and the customer support is responsive and helpful.

Can I use the Mir card from Ak Bars bank for online transactions?

Yes, the card is accepted for online transactions, and you can use it to make purchases on the internet. However, you'll need to activate the card first by visiting the bank's office in person.

How do I track my cashback rewards?

You can track your cashback rewards by logging into your account on the Ak Bars bank website or by contacting customer support. They'll be able to provide you with information on your rewards balance and any issues with your rewards.

Can I use the Mir card from Ak Bars bank for international transactions?

Yes, the card is accepted for international transactions, but you'll need to check with your bank to see if any fees apply. You should also inform your bank of your travel plans to avoid any issues with your card.

What if I lose my Mir card from Ak Bars bank?

If you lose your card, you should contact customer support immediately to report it lost or stolen. They'll be able to help you cancel the card and issue a new one.

Can I use the Mir card from Ak Bars bank for ATM withdrawals?

Yes, the card is accepted for ATM withdrawals, but you'll need to check with your bank to see if any fees apply. You should also inform your bank of your withdrawal limits to avoid any issues with your card.

How do I contact customer support for the Mir card from Ak Bars bank?

You can contact customer support by phone, email, or by visiting the bank's office in person. They'll be able to help you with any issues or questions you have about your card.

What are the requirements for getting the Mir card from Ak Bars bank?

You'll need to meet the bank's eligibility criteria, which includes having a stable income and a good credit history. You can check the bank's website for more information on the requirements.

check_circlePros

  • •10% cashback on everything - it's a total game-changer for cashback lovers
  • •Free card with no annual fees, which is a huge plus
  • •10% interest rate on my balance, which is a great perk
  • •Easy to use and navigate, even for a tech newbie like me
  • •Good build quality and battery life, which is impressive
  • •Customer support is responsive and helpful, even when I had issues with my rewards

cancelCons

  • •Activation process was a bit of a hassle, but it's not a deal-breaker
  • •Had to visit the bank's office in person to activate the card, which was a bit of a pain
  • •Limited availability of the card in certain cities, so you might not be able to get it where you live
  • •Some limitations on the cashback rewards, so be sure to read the fine print
  • •Customer support can be a bit slow to respond, but they're always helpful in the end
  • •No mobile app for managing my account, which is a bit of a bummer
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