Classic VTB24 cards - conditions and types. VTB credit cards - “Classic Card VTB 24 visa classic terms of use

For people living at a modern pace, plastic cards have long replaced traditional systems for making payments and storing money. Besides debit cards, there are also credit. Almost every Russian who has an official job and has reached the age of 21 can get the latter from VTB 24 Bank. This bank provides a wide range of card lending services.

In this article we will look at the conditions for using the VTB 24 credit card. There are a lot of reviews about it.

Types of cards

Today, a bank credit card is a profitable alternative to other types of loans. This product is provided by most financial institutions, each of them has different conditions, which allows customers to choose the ones that suit them.

A bank credit card with a certain limit is available to those individuals who have a permanent job and a positive credit history. Instant, classic and gold versions of the product are available for receipt.

To make it more convenient to use, as well as to be able to track your balance and debt, the bank offers an additional option - notification via SMS. A credit card is suitable for paying for purchases, making payments online, and withdrawing cash. The conditions for using the VTB 24 credit card (reviews confirm this) can be clarified on the bank’s website.

The process of obtaining a credit card with a limit lasts no more than two weeks. The period depends on the region in which the client applied for its issuance. You can top up your account not only at bank branches, but also through ATMs or online banking. If the client is late in payment, the financial institution imposes a certain fine, the amount of which is specified in the contract. The grace period will be calculated from the day the first purchase was made using the card. Each client is provided with a choice of services that he can activate at his personal request, and taking into account which the amount of annual service will be calculated. This is confirmed by the conditions and reviews of VTB 24 credit cards.

Advantages

Credit cards with a limit have several advantages:

• There is the possibility of remote registration using a passport.
• Loan repayment is possible in various free ways.
• The credit card can be used in any country.
• The cardholder can receive additional gifts and promotions from Visa and MasterCard.
• To everyone card account several can be connected plastic cards. Thus, funds from the account can be used simultaneously by both the client and his relatives, for example.
• If the client finds himself in a difficult life situation, the bank may consider the possibility of refinancing, which will reduce monthly payment or reduce the rate.
• The client independently manages the daily spending limit.
• Re-issue of the card can be ordered by calling the contact center.

There are several types of cards:

• Classic card. Its registration costs 75 rubles, the credit limit can reach 300 thousand rubles.

• Gold credit card "VTB 24". The terms of use indicate that the commission for its registration is 350 rubles, and the credit limit can reach 750 thousand rubles.
• Platinum card. Its registration costs 850 rubles, and the credit limit can be no more than one million rubles.

This is confirmed by the terms of use and reviews for the VTB 24 credit card.

What is cashback?

This type of card is the bank’s most popular product; it has many positive consumer reviews. This card not only has a credit limit, but also the opportunity to receive cashback for purchases made. It is issued on general terms - it can be obtained by a citizen who has a permanent job. Such a credit card is issued subject to the following conditions:

• There is a 5.5% fee for cash withdrawals.
• In the form of cashback, 1% of the amount of all purchases is returned to your account.
• Grace period - up to 50 days.
• Issue a card for 75 rubles.
• Servicing such a card is free if the client spends more than 20 thousand rubles per month on the card.
• The loan limit can reach 299 thousand rubles.

The conditions for withdrawing cash from VTB 24 credit cards are different for each card.

Credit card "Collection"

The next option for a credit card provided by this bank and providing for receiving bonuses for purchases made is a credit card that is connected to the “Collection” program. Its conditions are similar to the previous one. Owners of such cards receive bonuses for every thirty rubles. For the most part, this type of plastic has positive reviews. Received bonuses can be exchanged for payment for entertainment or commissions. The general loan rate is 28% per annum.

"Pocket" credit card

This type of credit card will be beneficial for those customers who plan to withdraw cash from their account. For this procedure, the bank charges a commission of 1% of the withdrawn amount. Servicing a “Pocket” card will cost its owner 900 rubles. The general loan rate is 28% per annum. Credit limit on this card can reach 299 thousand rubles.

In addition, such a credit card provides the opportunity to receive gifts and discounts of up to 30%, which are provided by the bank’s partners. However, it does not have a grace period of use Money. This is confirmed by the terms of use for the VTB 24 credit card.

These are not all the products that are available to bank clients. The choice is much wider, and you can find out all the details about the types of credit cards and the conditions for their use not only at the bank’s office, but also on the official website of the financial institution.

How to choose a card?

When choosing a card, it is best to focus on the purpose for which you will use it. Currently the bank has the following options:

• For those who love to travel. In this case, the client will receive a pleasant bonus in the form of miles, which will be awarded by the bank’s partner - Transaero or Russian Railways.
• Cards for car owners, for example, the VTB 24 gold credit card. Terms of use can be clarified with a bank employee.
• For entertainment lovers. The owner of such a card will be able to receive cashback when paying bills using it in restaurants and clubs.

Each of these cards can be classic, gold or platinum. For the VTB 24 credit card, the terms of use and interest are transparent and understandable.

Getting a credit card

The bank has a fairly wide range of products, each of which has different conditions. Obtaining a credit card requires compliance with several conditions and the provision of a certain list of documents, namely:

• Passports.
• Credit card applications.
• Income certificates. It can be obtained at your place of work.
• Statements from the account to which wages are transferred.

It should be noted that only citizens who are already clients of the bank can receive a credit card by providing only a passport. Cards with a credit limit are issued for a fee, which can range from 75 to 900 rubles. Its cost depends on the type and tariff. You can receive a card at one of the bank’s additional offices, having previously signed the appropriate agreement. You can also submit an application online using the bank’s official website. Manufacturing plastic card takes no more than three weeks.

Credit card "VTB 24" "Classic": terms of use

This bank offers a fairly wide selection of classic, gift and premium cards. The latter provide the opportunity to pay for large purchases. The terms of use, as well as the opportunities that the client receives, depend entirely on the service package that is connected to the card. The classic package includes:

• Interest rate of 28% per annum.
• Credit limit in the amount of up to 299,000 rubles.
• The SMS notification service, which is provided free of charge in the first month of using a credit card, and from the second month its cost will be 59 rubles.
• Grace period lasting 50 days.

How to withdraw cash from a card with a credit limit

Most holders of credit cards issued by other banks note that financial institutions charge quite a large commission for cash withdrawals. This bank offers its clients very favorable rates for such operations.

You can withdraw cash from a VTB 24 card with a commission of 1% of the requested amount, but it cannot be less than 50 rubles. If the owner has his own funds on the credit card, he can withdraw them absolutely free of charge. On all bank credit cards, except MasterCard cards Standard, there is a period during which you can use the funds without interest.

Grace period on a gold credit card

Its conditions are quite simple. Many clients do not quite understand how the interest-free time of using credit cards is calculated. For the VTB 24 card, the grace period can be up to fifty days from the moment the first purchase was made. The grace period is calculated taking into account calendar months. If it is fifty days, then in fact the client has thirty days to use the borrowed funds interest-free and twenty days to repay the debt.

If the client does not have time to deposit the required amount into the account on time, a minimum payment will be charged, amounting to three to five percent of the debt amount.

How to use it?

First of all, after receiving a credit card from the bank, you should familiarize yourself with the conditions for its activation. This can be done in two main ways:

• Activate it directly in the office upon receipt. Any bank employee will tell you how to do this and help you take the necessary actions.
• By calling the bank's support service. By following certain steps, the sequence of which will be communicated by the operator, you can easily activate your card. The only thing worth remembering is that this method requires preliminary identification of the client.

After activating the card, you can start using it in the same way as a debit card. The main difference is the need to repay the debt. A bank employee will tell you about the rules and conditions for returning money when issuing a card; they are also contained in the VTB 24 Bank lending agreement. The terms and conditions of credit cards are described in detail on the official website.

Closing the card

The presence of a card with a client indicates that he has certain obligations to the bank. In order to get rid of them, you will need to perform certain actions. First of all, you need to come to the bank office and get accurate information about the amount of debt on a specific credit card. After this, you will need to deposit it into your card account.

As soon as the funds arrive, you can begin the procedure for closing the card. To do this, you need to write a written application and then register it. Once approved by the bank, the card should be returned.

Every year it becomes easier and easier to make purchases in stores and online. Even if you don’t have enough funds, you can use a loan. Credit cards They help you make purchases on credit, and at the same time receive lucrative bonuses. VTB 24 bank has especially many bonuses. To get a card, you must be over 21 years old and have an official permanent job. Then you can open a credit account very quickly.

How to choose a VTB 24 credit card

VTB 24 Bank offers its customers three types of cards: classic, gold and platinum. Each of them has its own subspecies. You can choose a card based on your needs. For example, car owners will benefit from a card with bonuses in the form of discounts when purchasing gasoline. Those who like to have fun will be interested in bonuses for restaurants, cafes and clubs. In addition, each card has its own terms of use. Let's look at each one.

Credit card Classic

The credit limit is 300 thousand rubles, and the registration cost is only 75 rubles. There are these types:

• Pocket - allows you to always have additional funds with you. Peculiarity - low percentage for cash withdrawals from any ATMs in the country (only 1%).
• – allows you to save on purchases in stores and online using a bonus program that returns 1% of the amount spent to your account. It is beneficial for making purchases, since cash withdrawals will cost 5.5% of the withdrawn amount.
• Collection card - helps you “collect” nice things from the company catalog, which you can pay for using your bonuses. Bonuses are awarded for every 50 rubles spent.
• VTB24-RZD gives its clients the opportunity to buy train tickets using accumulated bonuses.

Gold credit card

This card is a level higher than the classic one. Allows you not only to use credit funds, but also to accumulate pleasant bonuses that can be spent on shopping, travel, entertainment and much more. Naturally, the cost of such a card is higher - 350 rubles. The credit limit is also higher – up to 750 thousand rubles.

• The world map for travelers helps you earn miles and then purchase air tickets. For every 35 rubles spent, you get 2 miles.
• Card for car enthusiasts - returns 3% on every purchase at any gas station in the country, as well as 1% on other purchases, including online.
• The experience card returns 3% to your account when paying bills in cafes and restaurants, or when purchasing movie tickets. Also returns 1% of the amount spent on other types of purchases. It also makes it easier to book tickets and tables to clubs and restaurants.
• Collection card - bonuses for every 27 rubles spent on a credit card, as well as the opportunity to choose gifts in the “Collection” catalog using the accumulated bonuses. Bonuses can be used to pay for some banking services.

Platinum card

This card has the largest credit limit – up to 1 million rubles. See also: . The cost of registration is 850 rubles, the cost of servicing per year for a loan above 65 thousand is 10,200 rubles. Platinum is also divided into cards for travelers, car enthusiasts, collectible cards and experience cards. Their cashback percentage is higher, and they accrue much more bonuses than other cards. When paying for purchases, 1 bonus is awarded for every 25 rubles. This card is most suitable for those clients who spend large amounts of money every month. This card will be especially useful when traveling abroad. Because with its help you can accumulate miles and save on air tickets, or refuel your car cheaper. It is also convenient to use bonuses when paying for restaurants, cafes, cinemas and other establishments. For regular customers who don't travel very often different countries and don’t spend a lot of money per month, the card will be superfluous due to the high service fee.

Applying for a VTB 24 credit card

To obtain a credit card, you must visit a bank branch or fill out an application online. While there are usually no problems with an application at a bank, since everything is prepared by a specialist there, sometimes difficulties arise with an online application. In fact, there is nothing complicated in the design, just follow this plan:

1. Go to the official website of the bank.
2. Open the credit cards section and select the card type.
3. Click on the “Fill out application” button.
4. In the new window, enter your personal information.
5. Submit your application and wait for a call from a specialist. Typically, the application is verified within 3 hours if it is submitted during business hours. A specialist can call and clarify the details. After this, you receive a notification that the card is ready. You can pick up the card at any bank branch.

To apply for a card, you must provide a passport and a second document of your choice (foreign passport, diploma, pension certificate), as well as a certificate of income. To get a card, your regular income must be at least 20 thousand per month, and for Moscow residents - 30 thousand. However, there are age restrictions - no less than 21 years and no more than 68 years.

Withdrawing cash from a VTB 24 credit card

Grace period for VTB 24 credit card: how to calculate correctly

How to increase the credit limit on a VTB 24 card

When it is said that the classic card has , this does not mean that you will be provided with a card with 300 thousand rubles for credit account. Quantity credit funds which you can use is determined by the bank. Therefore, if you want to increase your credit limit, then you need to come to a bank branch, write a corresponding application and attach copies of your passport and income certificate to it. At the same time, you must have a good credit history: You pay your loan on time, make the minimum payment each month, and you currently have no debt. In this case, the bank may respond positively to your request. But above the specified credit limit on the card, as in the case of the classic one, for which it is 300 thousand, you will still raise n

This is not possible, and you must understand this when applying for a card.

Advantages of the VTB 24 credit card

The VTB 24 credit card and the conditions for using credit funds from this bank have the following advantages:

• the ability to choose a card with different conditions and credit limit;
• low loan rate;
• bonuses and cashbacks;
• comfortable Grace period, which also applies to withdrawing cash from an ATM;
• the ability to store your own funds in the account;
• low interest rates for cash withdrawals.

This gradation is intended to conditionally divide clients into so-called social classes. The higher the class, the more different advantages the owner has; various additional card options and conditions are available to him, but at the same time, the cost of servicing the card also increases, and various other additional options can be installed. Conditions that the client must comply with in order to confirm his status.

Following this gradation system for VTB Bank credit cards, we will present everything current programs across three groups.

For the group of standard VTB 24 credit cards, the conditions and programs are as follows:

Classic VTB24

Maintenance per year - 750 rubles;

"VTB24 - UTair" Visa

The credit limit on this card is set to 300,000 rubles;

Fee for using a credit limit at a rate of 19%;

The grace period is 50 days;

The program partner for this card is UTair airline, which makes it possible to accumulate miles. The system is as follows: when you register a card, 1000 bonus miles are credited, and then for every 35 rubles spent, 1 mile is credited. You can spend miles on the services of the specified airline.

“My Terms” MasterCard Standard

The credit limit on the VTB 24 my conditions credit card is set to 300,000 rubles;

Fee for using a credit limit at a rate of 19%;

Maintenance per year - 900 rubles;

The grace period is 50 days;

The advantage of the VTB24 credit card is a special bonus program, which involves choosing one of 4 spending categories as a priority: restaurants, pharmacies, gas stations or cosmetics stores. For purchases in the selected category, you will receive a refund of their amount to the card in the amount of 3%, for all other expenses in the amount of 0.5% of the amount.

"VTB24 - Transaero" Visa Classic

The credit limit on the VTB24 credit card is set to 300,000 rubles;

Fee for using a credit limit at a rate of 19%;

Card servicing is free in the first year, and in the subsequent 900 rubles;

The grace period is 50 days;

The program partner for this card is Transaero Airlines, which makes it possible to accumulate points. The system is as follows: when making your first purchase, 200 bonus points are credited, and then for every 90 rubles spent, 1 point is awarded. You can spend points on the services of the specified airline.

"VTB24 - Russian Railways" Visa

The credit limit on this card is set to 300,000 rubles;

Fee for using a credit limit at a rate of 19%;

Card servicing is free in the first year, and in the subsequent 900 rubles;

VTB 24 credit card grace period is 50 days;

The partner of the program for this card is the Russian Railways airline, which makes it possible to accumulate points. The system is as follows: when you make your first purchase, 500 bonus points are credited, and then for every 50 rubles spent, 1 point is awarded. You can spend points on the services of the specified company.

"VTB24 - e-government"

The credit limit on this card is set to 300,000 rubles;

Fee for using a credit limit at a rate of 19%;

Maintenance per year - 1200 rubles;

The grace period is 50 days;

The advantage of this VTB Bank credit card is the ability to receive electronic services from 20 ministries and various departments within the framework of the Unified Government Services Portal.

"VTB24 - HSE"

The credit limit on this card is set to 100,000 rubles;

Fee for using a credit limit at a rate of 19%;

Maintenance per year - 300 rubles;

The grace period of a VTB 24 bank credit card is 50 days;

The advantage of this card is that it was specially created for HSE graduates and the bank undertakes to contribute a certain percentage of income received from this card to various associations and charitable organizations.

For the group of VTB 24 gold credit cards, the conditions and programs are as follows:

Golden VTB24

Maintenance per year - 3000 rubles;

The grace period is 50 days;

Gold "VTB24 - UTair" Visa

The credit limit on this card is set to 600,000 rubles;

Fee for using a credit limit at a rate of 18%;

The grace period is 50 days;

The program partner for this card is UTair airline, which makes it possible to accumulate miles. The system is as follows: when you register a card, 2000 bonus miles are credited, and then for every 35 rubles spent, 1.5 miles are credited. You can spend miles on the services of the specified airline.

Gold “My Terms” MasterCard

The credit limit on this card is set to 600,000 rubles;

Fee for using a credit limit at a rate of 18%;

Maintenance is free during the year of registration, and then 3,600 rubles;

The grace period is 50 days;

The advantage of this card is a special bonus program, which involves choosing one of 4 spending categories as a priority: restaurants, pharmacies, gas stations or cosmetics stores. For purchases in the selected category, you will receive a refund of their amount to the card in the amount of 5%, for all other expenses in the amount of 1% of the amount.

Gold "VTB24 - Transaero" Visa

The credit limit on this card is set to 600,000 rubles;

Fee for using a credit limit at a rate of 18%;

Card servicing in the first year is 2,000 rubles, and in the subsequent year 4,000 rubles;

The grace period is 50 days;

The program partner for this card is Transaero Airlines, which makes it possible to accumulate points. The system is as follows: when making your first purchase, 400 bonus points are credited, and then for every 90 rubles spent, 1.5 points are awarded. You can spend points on the services of the specified airline.

Gold "VTB24 - Russian Railways" Visa

The credit limit on this card is set to 600,000 rubles;

Fee for using a credit limit at a rate of 18%;

Card servicing in the first year is 2,000 rubles, and in the subsequent year 4,000 rubles;

The grace period is 50 days;

The program partner for this card is the Russian Railways airline, which makes it possible to accumulate points. The system is as follows: when making your first purchase, 1000 bonus points are credited, and then for every 40 rubles spent, 1 point is awarded. You can spend points on the services of the specified company.

The group of premium credit cards of VTB 24 Bank is as follows:

Platinum VTB24

The credit limit on this card is set to 2,000,000 rubles;

Maintenance per year - 30,000 rubles;

The grace period is 50 days.

Premium VTB24 with cash-back

The credit limit on this card is set to 1,500,000 rubles;

Fee for using a credit limit at a rate of 17%;

Maintenance per year - 10,000 rubles;

The grace period is 50 days;

The advantage of this card is a special bonus program, which involves choosing one of 4 spending categories as a priority: restaurants, pharmacies, gas stations or cosmetics stores. For purchases in the selected category, you will receive a refund of their amount to the card in the amount of 5%.

Platinum "VTB24 - Transaero" Visa

Fee for using a credit limit at a rate of 17%;

The grace period is 50 days;

The program partner for this card is Transaero Airlines, which makes it possible to accumulate points. The system is as follows: when you make your first purchase, 800 bonus points are credited, and then for every 90 rubles spent, 2 points are awarded. You can spend points on the services of the specified airline.

Platinum "VTB24 - Russian Railways" Visa

The credit limit on this card is set to 750,000 rubles;

Fee for using a credit limit at a rate of 17%;

Card servicing in the first year is 5,000 rubles, and in the subsequent year 10,000 rubles;

The grace period is 50 days;

The partner of the program for this card is the Russian Railways airline, which makes it possible to accumulate points. The system is as follows: when you make your first purchase, 1500 bonus points are credited, and then for every 30 rubles spent, 1 point is awarded. You can spend points on the services of the specified company.

VTB credit card 24 conditions for receiving

In order to order a VTB 24 credit card, you need to submit an application. You can do this at any bank office by going there. The second option is VTB 24 online application for a credit card. You can submit one using a special service on the bank’s website or on other partner resources on the Internet.

The “VTB 24 credit card online application” procedure itself, in general, is carried out by sequentially performing actions. More detailed instructions on how to apply for a credit card online at VTB24 can be found in the article: Apply for a credit card online.

How to use a VTB 24 credit card?

After receiving the card, find out how to activate your VTB 24 credit card. There are two ways to do this:

1) Activation of the VTB 24 credit card occurs directly at the office where it is received. To do this, I should contact one of the operators.

2) VTB 24 credit card, activation is possible if you call the bank’s service desk and, under the clear guidance of the operator, perform certain actions, but for this you will need to go through the client identification procedure.

Further, all transactions on the card are carried out in the same way as on a debit card. The only difference is that you must repay the debt (replenish the card) in accordance with the conditions specified in the loan agreement.

How to close a VTB 24 credit card?

If you have VTB credit card, which means you have before this banking institution certain obligations. To get rid of them (close your VTB 24 Bank credit card), you should take certain actions.

First, you should visit one of the bank branches, where you must request accurate information about your debt on this loan product and fully pay off all obligations. Next, you should write an application to close the card and register it. When the application is approved, the card or VTB 24 credit cards (if several were received under one of the programs) must be returned.

Now you know everything

The large amount of available credit limit and low interest rate, grace period for lending (valid for cash withdrawals against a loan) create a good impression of the card. The service is not free, the market average for the classics (Visa Classic, MasterCard Standard) is 750 rubles. Some services (telebank) are paid, which is far from the norm. Read more about the card in our review.

Lending terms		Card service		Owner requirements
Maximum credit limit	450,000 rub.	Issue fee	For free	Age	from 21 to 68 years old
Interest rate	24%	Annual maintenance	750 rub.	Documentation	according to 2 documents
Grace period	up to 50 days	SMS notification	17 rub.	Bonuses
Minimum payment	3% of the debt + interest on the loan	Validity		Loyalty program	Bonus program Collection, discounts from partners
Grace period for cash withdrawals	Yes	Withdrawing cash from an ATM using a loan own / someone else's	4.9%, min. 300 rub. / 4.9%, min. 300 rub.	Interest on client balance	No
Delivery options: mail/courier	No no	Usage own funds	Maybe	Cashback (refund)	No
Advantages	Bonus program, presence of a chip, large credit limit, grace period applies to cash withdrawals, low interest rate
Flaws	Significant commission for withdrawing credit funds, paid SMS notification service (low fee), significant fines for late payment

Classic VTB24 card

Credit limit max.:

Bet min.:

Grace period:

Annual maintenance:

Lending terms

Maximum credit limit

Interest rate

Grace period

up to 50 days

Minimum payment

3% of the debt + interest on the loan

Grace period for cash withdrawals

Delivery options: mail / courier

Card service

Issue fee

For free

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM using your own/someone else's credit

4.9%, min. RUB 300/4.9%, min. 300 rub.

Using your own funds

Maybe

Owner requirements

from 21 to 68 years old

Documentation

according to 2 documents

Loyalty program

Bonus program Collection, discounts from partners

Interest on client balance

Cashback (refund)

Bonus program, presence of a chip, large credit limit, grace period applies to cash withdrawals, low interest rate

Significant commission for withdrawing credit funds, paid SMS notification service (low fee), significant fines for late payment

More information about tariffs and conditions

Basic tariffs and conditions for the classic VTB 24 card

The service will cost 750 rubles annually, but Bank of Moscow cardholders can receive free service for the first year (the same benefits are available to clients who have issued a card as part of a number of corporate programs).

The tariffs also contain another useful point about service: 199 rubles for the 1st year, if the client orders the product on the VTB24 corporate website (you can benefit from a promotion when you don’t have to pay anything for an online order for the 1st year). So hurry up to take advantage of this opportunity.

The first year starts counting from the date of registration.

It is possible to register up to 5 additional cards(375 rub./year each).

The maximum credit limit is unnaturally high for a classic: 450,000 rubles, but bank clients, for example, who have opened a deposit (not for 10 thousand, of course), have a high chance of getting it in full. Its value for everyone else will depend on solvency and accumulated credit history.

The grace period is fair (more details) up to 50 days, extending to cash withdrawal operations (plastic only benefits from this).

The rate is determined by the value of 24%, at least you already know it unambiguously, unlike a number of banks that give the final rate from a wide range of values ​​(etc.).

Low 3% plus accrued interest (if any) - I don’t know if it’s good or bad that it’s so low. A larger payment encourages you to repay the loan faster, while a lower payment only leads to an increase in its price (if the loan is repaid only with minimum payments).

Additional services, tariffs and commissions

A separate topic is information and management of your accounts. The bank does not hesitate to charge a fee for these services, and not a small one.

Telebank (Internet bank) at VTB 24 will cost 300 rubles annually.

This is a basic package, there is also an extended one - 500 rubles. You can count the banks that charge for such services on one hand.

But it is possible to use Telebank for free; to do this, you must satisfy some condition specified in the tariffs. For example, a client with a salary can use it for 3 years free of charge. by bank card VTB24 or for 1 year to the client who opened the deposit. If you attract a newbie to connect to telebanking, you will get 60 days for free. Why not an affiliate program, and the bank will make money and you will do well.

Please check all conditions in the latest edition of tariffs.

There is a lightweight version of Telebank - Teleinfo, where you can view information about accounts, but not manage them. Often this is enough, and Teleinfo is provided free of charge (connected at the branch, in Telebank or by calling hotline).

SMS notification is also paid, but quite acceptable.

To do this, you need to activate the “Cards” package for 180 days (120 rubles) or 360 days (200 rubles)

An account statement with the required payment can be sent by email (free service) or by SMS. It’s not a problem to find it out in Teleinfo and Telebank, as well as through the voice menu by calling 8 800 700-24-24.

You can use your own money on this credit card, and you can withdraw it at your own ATMs with zero commission (1% at others). Behind borrowed funds the commission is already significant: 4.9% (min. 300 rubles), but they are covered by a grace period.

Non-cash transfers of own funds without commission, and credit transfers with a commission of 3.9% of the transfer amount (min. 100 rubles)

Fines for late payments are quite decent: for late repayment of loan debt - 0.8% per day of the amount of the overdue debt. For exceeding the established credit limit, they will charge 0.6% per day of the excess amount.

You can repay the loan free at VTB 24 ATMs with cash acceptance function or at Telebank remotely from your account. You can top up your credit card with a commission through Contact system, using the money transfer service Visa Money Transfer or MasterCard ® MoneySend, at the cash desks of bank branches and by transfer from another bank.

Who will receive a VTB 24 credit card

It is enough to have a permanent residence permit in one of the regions where the bank operates and be between 21 and 68 years old to receive a credit card. From documents: passport and 2nd one to choose from (certificate 2-NDFL from your employer; certificate of income in the form of a bank; statement of current account; international passport; vehicle registration certificate). The bank is more loyal to current clients (payrollers or depositors) (this is natural).

Bonuses

The bank offers a bonus program “Collection”, where you can accumulate bonuses (1 bonus for every 50 rubles from purchases) and exchange them for rewards (for example, a master class by Irina Khakamada, as well as any others from the catalog on the website www.bonus.vtb24 .ru). It is enough to register once and bonuses on all your VTB 24 cards (if you have several) will be credited to a single bonus account. Not a bad collection by the way.

In addition to the "Collection" there is a discount program with the opportunity to get discounts from partners.

Over the past decades, almost all Russians have been able to appreciate the convenience of credit cards. One of the leaders in issuing credit cards is VTB 24. The bank’s offers are accessible, profitable, and a wide selection of offers allows everyone to find something that suits them.

About the credit card

Open up a world of huge financial prospects with a credit Multicard.

VTB 24 Bank does not limit its clients in the available options, therefore it offers a variety of credit card options to choose from: from the simplest to the exclusive.

Potential consumers are offered:

• classic – the best option for everyday purchases and payments;
• gold – open up more financial preferences for the holder and have status;
• platinum – highly privileged, with a large limit, a lot of additional benefits from payment systems;
• debit – intended for storing and using the client’s own funds. They have all the features of credit cards without additional fees or overpayments.

The VTB Multicard loan offer stands out. It has all the capabilities and advantages of the above banking products.

Types of VTB 24 credit cards

The financial institution cooperates with three types of payment systems:

1. Visa. An international payment system using the US dollar as its leading currency. Offers the most profitable terms conversion. Provides various bonus programs when paying for goods and services of partner companies.
2. MasterCard. The main currency of this payment system is the euro. Bonuses received when paying for purchases can be spent on purchasing goods from a special MasterCard catalog.
3. World. Intended mainly for citizens receiving payments from budgetary, off-budget funds Russian Federation (pensioners, beneficiaries, students, public sector employees).

Not all financial and commercial enterprises accept Mir cards. In all other respects, they fully comply with international standards.

Possibilities

Look how many bonuses await you with the Multicard!

When choosing a credit card, in addition to the undeniable convenience of making purchases with the card, holders prefer to receive additional financial opportunities. Let's highlight the most popular ones.

Grace period

Almost all VTB 24 credit cards have a 50-day grace period. During this time, no interest is accrued on the use of borrowed funds. If the debt is repaid before the expiration of the established period, a new grace period begins.

It is impossible to get confused when the grace period began and when it will end. For each card, the grace period begins on the 1st and ends on the 20th of the next month (50 days).

Limit

For each type of card the maximum available amount loan The higher the status of the credit card, the more funds the borrower can receive.

A large revolving credit limit allows you to always have serious financial assets(subject to flawless fulfillment of one’s debt obligations).

Interest rate

The cards are banking products, having the highest annual rates (relative to other loan offers). VTB 24 offers a variable rate, which depends on the status of the card and the established limit.

Annual maintenance

If the issuer's mandatory condition is met (purchase on the card for a certain amount per month), all cards can be an offer with a free annual service.

Additional options

Each credit card has additional options that make cooperation with the bank and using the credit card even more enjoyable and profitable.

Cash back

For each status, priority areas have been established (shopping in stores, paying bills in cafes and restaurants, costs of purchasing fuel, etc.). When making a purchase at a point that is a partner of the bank, 1% to 5% of the payment amount is returned.

Credit cards with cashback are selected based on the client’s preferences.

Interest on balance

Interest is accrued daily on the balance of your own money on the card account (if you activate the corresponding service).

SMS notification

Information about any payment transaction or cash withdrawal is instantly sent to the owner’s phone. If unauthorized access is detected bank account the holder has the ability to quickly react to the “intrusion” and block the card.

Online banking

All clients have free access to the Internet banking system, which makes it easy to manage their accounts, as well as make payments or Money transfers.

Bonus programs

For purchases and payment for services, plastic card owners receive points (miles) from bank partners, which can be used as discounts.

The most popular bonus programs “Collection”, “Russian Railways”, “Transaero” allow you to exchange accumulated bonuses and miles for air and railway tickets, as well as receive discounts when making purchases.

Terms of use

Free service- another privilege from VTB.

Regardless of the status of the selected credit card, all of them have general favorable conditions:

1. Credit limit. Maximum amount according to the “Classic” offer is 299,999 rubles, which significantly exceeds the size of loans under similar offers from other banks. For “Gold” and “Platinum” borrowers can receive 750,000 and 1,000,000 rubles, respectively.
2. Interest rate. Thanks to the internal policy of VTB 24, interest is set at the lowest rate for such offers - from 17% to 28%.
3. Minimum payment. If the plastic holder cannot fully repay the existing debt, he can pay the debt in installments. At the same time, the minimum payment is only 3% of the total debt.
4. Grace period. Unlike others financial organizations, limiting the capabilities of cardholders (only non-cash payments), clients of the financial institution can also withdraw cash.

Requirements and documents for registration

Despite the fact that credit cards are considered the most common banking products, to obtain them you must meet certain requirements.

The bank client must meet the following requirements:

• age from 21 to 65 years;
• be registered in the region where the bank is located where the application is being submitted (permanent or temporary registration is possible);
• employed (employed at the last place of work for at least 3 months).

A big advantage when filling out an application will be that the applicant has a salary card and is an employee corporate client bank or has an active deposit account.

You can apply for a VTB credit card using two documents. A Russian citizen's passport with a registration mark is mandatory.

The second document can be any document from the list below (at the applicant’s choice):

• certificate 2-NDFL;
• a document confirming the applicant’s income, drawn up according to the bank’s standard;
• bank account statement;
• international passport.

VTB Bank employees may require the provision of additional documents:

• papers confirming ownership of expensive property, for example, a vehicle passport;
• medical insurance(voluntary);
• Diploma of Higher Education.

Card design methods

Fill out an application for a card without leaving your home and wait for a notification from the bank.

To get approval from VTB 24 and apply for a credit card, you need to complete several mandatory steps:

1. Filling out the application.
2. Providing the necessary papers and certificates.
3. Getting a credit card.

There are two ways to apply for a VTB 24 credit card: a personal visit to a branch and an online application. Let's take a closer look at each of them.

Registration at the department

You need to visit the nearest office and fill out a standard application. Bank clients need to have a passport with them, and other citizens will have to return to provide the requested documents.

A decision on an application is made quickly, so within a few hours the applicant will know the verdict.

Online application

To order a credit card online, fill out the form on the website. If a preliminary positive decision is made, visit the bank office with a package of papers. If they correspond to those stated online, an agreement will be drawn up, as well as a VTB card will be issued.

Terms of use

Before you start learning the functionality of the VTB 24 credit card on your own, read the terms and conditions of use.

Payment transactions. Non-cash payments without commission are available (shops, catering establishments, pharmacies, as well as on the Internet). In addition, it is possible to withdraw the required amount in cash through the institution's ATMs (no commission) or devices of other financial organizations (commission 1-5%).

Safety. For a credit card to become a means of storing money, keep it in a safe place and do not give it to strangers. It is advisable to learn the PIN code; do not keep the piece of paper with the code next to your credit card. Connecting SMS notifications will reduce the risk of unauthorized transactions.

Also, the client can independently set a daily limit for cash withdrawals, which will prevent large losses (if the credit card falls into the hands of fraudsters).

Receipt VTB cards– this is not just access to the use of bank funds. These are the foundations of a citizen’s financial culture and the opening of new prospects.

How to close a VTB 24 credit card

If the credit card has fulfilled its intended function, it needs to be closed, but sometimes VTB 24 clients do not know how to do this.

1. Visit to the bank.
2. Writing an application to close a card account.
3. Calculation of debt by interest.
4. Handing over the credit card to a bank employee for destruction.
5. Receiving a certificate of account closure (issued 45 days from the date of application).

Video: Advantages of the VTB credit card.

Conclusion

The main advantages of VTB 24 credit cards are favorable rates, a grace period with clear boundaries. Associated bonuses make cooperation with a financial institution very pleasant.

Current clients of the bank have access to instant opening of a card account. But when making this decision, you need to correctly assess your own financial resources.