Classic VTB24 cards - conditions and types. VTB24 classic credit card. Detailed review, conditions, tariffs and reviews Classic VTB 24 card

Since credit cards are one of the most popular banking products, VTB 24 offers its clients a large selection of plastic cards that differ in conditions, rates, and bonuses. It is worth noting here that this bank has quite attractive conditions, low rates, a high level of service, the availability of remote services and other advantages for the client. Let's look at what the VTB 24 credit card is, terms of use, customer reviews, advantages and disadvantages.

Terms of Service

Credit cards are in particular demand among bank clients. Firstly, it is much more convenient and practical than consumer lending. Secondly, it is enough to get a card once, and you will always have funds in reserve for everyday purchases. Many potential borrowers, when studying the financial market, give preference to VTB24, because here in the line of banking products there is a wide selection of plastic cards with a credit limit, a bonus system, a grace period in the classic gold and platinum version, each product meets the high requirements of the borrower.

What cards with a credit limit does the bank offer today:

classic card with a maximum limit of up to 299,000 rubles. interest rate from 28% per year;
gold card credit limit up to RUB 750,000. interest rate from 26% per year, issue 350 rubles, with monthly expenses of 35,000 rubles or more, no annual maintenance fee is charged;
platinum card with a maximum limit of up to one million rubles, the rate starts from 22% per year, the cost of issue is 850 rubles, with monthly expenses of 65,000 rubles and above, no service fee is charged.

In addition, a credit card is not just a payment instrument, but an opportunity to receive bonuses, cashback and other privileges. For example, here you can apply for a world card, which gives you the opportunity to receive air tickets for free; for every 35 rubles spent, one mile is credited. The Collection card makes it possible to accumulate points and use them to pay for goods from the catalog or banking services. Autocards allow motorists to receive cashback when paying for fuel: 1% on a gold card and 5% on a platinum card.

Please note that the credit limit, interest rate and other conditions are determined by the bank individually for each borrower depending on his desire and solvency

By the way, the VTB24 bank card has one more advantage - For cash withdrawals from any ATMs, a commission of 1% is charged, which is cheaper than in other banks. But it is worth noting that the grace period does not apply to this operation.

User opinions

Customer reviews of the credit card are mixed. It is worth noting that you can find a huge number of comments on the Internet, both positive and negative. Let's start the review with negative comments, the first of which are related to the imposition of personal insurance on each borrower. In fact, according to the law, personal insurance is not mandatory; the bank does not have the right to oblige the borrower to take out a policy, or to refuse lending if the borrower does not want to take out insurance. However, the bank reserves the right to refuse to issue a credit card without giving a reason. The bank’s card clients also pay attention to the fact that The lender writes off the insurance fee.

Clients also noted in their comments that the bank illegally charges interest during the entire grace period. But the fact is that, as mentioned earlier, for the operation There is no grace period for withdrawing cash from an ATM, but only applies to non-cash payments. Accordingly, not all clients understand what a grace period is and how to use it correctly so as not to pay interest to the bank.

Undoubtedly, there are also positive reviews. For example, some users express gratitude to bank branch employees and hotline operators for quality service. Other positive reviews relate to the ease of issuing a card, high limit and low rate. Also, the bonus and cashback system undoubtedly makes using the card more enjoyable. In addition, each borrower has the opportunity not to pay for annual maintenance if the expenses on the card account comply with the terms of service. For example, on a classic card the minimum amount is 10 thousand rubles per month; if this condition is met, no service fee is charged, otherwise it will be 75 rubles per month.

Advantages and disadvantages

Now let's return to the question, is it worth opening a VTB 24 credit card? Customer reviews undoubtedly help potential clients make the right choice in favor of a particular banking product, but, on the other hand, they do not give an objective assessment of it. Therefore, it makes sense to consider in more detail all the advantages and disadvantages.

The main advantage of the bank is that it ranks second in the ranking of Russian banks, inspires customer confidence, and offers a wide range of services. As for credit cards, there is a large selection of them. That is, each client will be able to choose exactly the one that best suits his financial needs. For example, for those who often travel abroad, a world card is ideal, with which he can not only receive free air tickets, but also participate in the Travel Insurance program; by the way, this is only available for platinum and gold cards.

Now about the disadvantages. The first of these is expensive annual maintenance. For example, for platinum cards the cost of service for one month is 850 rubles or 10,200 rubles for a year. The second drawback is that to apply for a credit card you need to provide a full package of documents, including a salary certificate. You can leave an application on the official website of the bank, after making a decision, come to the branch to sign a loan agreement, and the card itself can only be received in a few days.

Please note that the application review period is only one business day; the bank notifies the potential borrower of its decision via SMS message.

Let's summarize briefly. Undoubtedly, like any other banking product, VTB24 credit cards have their advantages and disadvantages. To make using the card more profitable, you should first carefully study the loan agreement, familiarize yourself with the tariffs and limits. By the way, if you have had experience working with VTB24 Bank, that is, you have issued a credit card there, then leave your review in the comments to the text and share your impressions with other users.

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 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. A special feature is the low interest rate for cash withdrawals from any ATM 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 map 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 ordinary clients who do not travel to different countries very often and do not spend a lot of money per month, the card will be unnecessary due to the high service fee.

Applying for a VTB 24 credit card

To receive a credit card, you need to 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:

Go to the official website of the bank.
Open the credit cards section and select the card type.
Click on the “Fill out application” button.
In the new window, enter your personal information.
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 on a VTB 24 credit card: how to calculate correctly

How to increase the credit limit on a VTB 24 card

When it says that it has a classic card, this does not mean that you will be provided with a card with 300 thousand rubles in your credit account. The bank determines the amount of credit you can use. 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 the loan on time, make the minimum payment every month, and you have no debt at the moment. 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;
convenient grace period, which also applies to cash withdrawals from an ATM;
the ability to store your own funds in the account;
low interest rates for cash withdrawals.

VTB Classic card is a banking product that allows you to pay in stores, make purchases online, and withdraw cash from an ATM. Moreover, you can take the classic VTB card with you when traveling.

Conditions of receipt

To obtain a Classic Visa, the applicant must reside in the Russian Federation and be registered in any region where there is a bank branch. The recipient's age must be from 21 to 65 years.

In order to apply for a Classic Visa, you also need to provide a package of documents. It includes:

passport;
a second identity document;
income certificate.

These conditions are mandatory for everyone without exception.

Registration online

VTB 24 provides its clients with the opportunity to apply for a “Classic Visa” via the Internet. To do this, just submit an application on the official website of the financial institution. In the form that opens, you must provide personal information. After processing the application, a VTB employee will call you back, ask additional questions, and also tell you when you need to pick up your credit or debit card.

Service and tariffs

Visa Classic registration will cost 75 rubles. The cost of service also remains at an affordable level. Moreover, it will be absolutely free if cash withdrawals and purchase payments exceed 10 thousand per month. The card is valid for two years, after which it must be renewed.

The owner of a Visa Classic can get a loan on very favorable terms and for a long period. The loan limit is 300 thousand. The annual loan rate is 28%. However, to get the maximum loan amount you need to have a large deposit in the bank. If it is not there, then the income will have to be confirmed with an income certificate or an extract from a salary card.

You can withdraw cash from any ATM or bank branch. There you can also close the card by first withdrawing the remaining funds.

Advantages of the “Classic” package

The “Classic” package has many advantages. The main ones are:

from all purchases, the owner of a classic card from VTB receives cash back in the amount of 1%;
the card holder receives bonuses from VTB 24 partners. The conditions for receiving them are as follows: 1 bonus for every 50 rubles spent. Bonuses can be exchanged for gifts, movie tickets, airline tickets, hotel reservations and much more.
the client receives free 24-hour service.

Registration of the “Classic” package makes it possible to automatically become a client of the “Collection” program.

Additional benefits

The “Classic” card from VTB 24 Bank also allows you to issue 5 additional cards completely free of charge. Moreover, you can order them not only for yourself, but also for relatives and friends. In addition, the bank's partners provide a 30% discount on their services and goods.

Debit card “Classic/Standard Collection”

This card provides holders with a wide range of opportunities, namely:

the ability to make money transfers online absolutely free of charge;
the ability to open accounts in three different currencies simultaneously;
sending SMS notifications about completed transactions to a phone number;
linking all available cards to the VTB24-Online service.

Terms of Use

Cash back from VTB 24

One of the most popular products from VTB 24 is the classic VTB 24 Cash back debit card. Its main advantage is that the holder receives cash back and thus saves significantly.

The term “cashback” refers to an additional function of the card: when paying for purchases, part of the funds spent is returned to the owner’s account. In this case, the cash back amount is 1% of the amount. In total, it is possible to return up to 5 thousand per month.

About bank "VTB 24"

The bank is one of the key players in the Russian banking services market. VTB 24 is confidently included in the Top 10 largest banks in the country in terms of key performance indicators and specializes in servicing individuals, entrepreneurs and small businesses.

The VTB 24 bank network includes more than a thousand offices in 72 regions of Russia. The list of services provided includes: issuance and servicing of bank cards, lending (mortgage, consumer, car loans), time deposits, remote account management services, credit cards with a grace period, etc. Some of the bank’s services are available to customers around the clock.

General information about the “Classic” debit card from VTB 24

- Interest on account balance: income up to 6.5% per annum on the minimum balance monthly, non-cash withdrawal and replenishment without loss of accrued interest.

- cashback for purchases:

1 bonus for every 50 rubles spent on the card "Classical" when paying for purchases. Accumulated bonuses can be exchanged for more than 6,000 products in the program catalog on the website www.bonus.vtb24.ru;
1% cash back on all card purchases "Classic cash back card VTB24" , including when paying online (the maximum cash back amount on the card is 5,000 rubles per month);

- Contactless payment: PayPass and PayWave services allow you to make payments using a contactless system.

- card type: Visa

- SMS notification: 59 rubles per month.

- Card issuance fee: not charged.

- Account maintenance fee: Free card maintenance for active users (with a monthly turnover on the card of more than 20 thousand rubles, an account balance of more than 200 thousand rubles, or regular receipts to the account of 15 thousand rubles). In other cases, the cost of service is 75 rubles per month.

- Internet banking and mobile banking: free connection and service to VTB24-Online makes it possible to make various transactions and payments at any convenient time via the Internet, mobile phone or tablet.

- Cash withdrawal: at any ATM.

Please note that tariffs may be changed or supplemented by the bank.

The VTB 24 product line also includes Gold And Platinum cards.

One of the key areas of work of VTB Bank is the production of plastic products designed for the general public. Today the company offers consumers debit and credit cards of various types. The conditions for issuing and issuing VTB credit cards will be discussed in this material.

Types of credit cards at VTB Bank

More recently, VTB Bank issued a whole line of various credit cards. However, since July of this year, the company has reduced the production of these products, reducing it to only one card called "Multicard".

The credit card is distinguished by its versatility, since it combines the main characteristics of previously issued VTB cards. Let's consider the conditions for providing the product in more detail:

grace period – up to 50 days;
lending limit - up to 1,000,000 ₽;
annual rate - 26%;
cost of issue – 0 rubles;
service price:
- 0 rub., if the client spends more than 5000 per month,
- if the conditions are not met, the commission will be 249 rubles;
bonus reward - 20,350 points per year.

The credit card is provided to citizens of the Russian Federation aged 21 to 70 years who have an income of more than 15,000 rubles per month.

How to apply for a VTB credit card?

Registration of the “Multicard” is carried out at the stationary office of the VTB company. However, a preliminary application can be submitted remotely through the official website of the organization.

To apply online for a VTB credit card, follow the algorithm:

Open the main resource of VTB Bank.
In the main menu of the page, click on the second section “Maps”.
Select "Credit". The main page will open in front of you, containing all the information on the “Multicard”, read it carefully.
After reviewing the terms and conditions of the credit card, click on the “Order” option (red key).
Correctly fill out the questionnaire form that opens and agree to the user conditions for processing your data (you must check the box).
Confirm your mobile phone number.
Submit your completed application to the website for further consideration by the appropriate team.

As a rule, a decision on a client’s online application is made on the day the application is filled out. The answer will come in the form of SMS. Next, the “Multicard” is issued and delivered to the branch closest to the place of residence of the individual.

The client will also learn that the credit card has been issued and delivered via SMS. Now he can collect documents and come to the office to receive the finished product in his hands.

Documents for a VTB credit card

“Multicard” is a credit card, the registration of which requires not only the provision of basic identity documents, but also confirmation of monthly income. So, the list of documentation required to obtain a credit card is as follows:

Passport identity card of a Russian citizen.
Official income statement. It could be:
1. certificate 2-NDFL or according to the bank form,
2. bank account statement,
3. certificate from the place of work on the level of average earnings for the last six months.
Documents for a car or a foreign passport, if the credit limit for plastic reaches 100,000 rubles.

A VTB credit card cannot be issued with a passport or without a certificate of income. Confirmation of solvency is the main condition of the bank.

Production time, conditions of receipt

The maximum period for issuing a Multicard is one week. But, as practice shows and customer reviews say, the period for issuing a credit card is usually 1 – 3 days. As soon as the product is manufactured, the client receives a corresponding SMS notification and on the same day can pick up his card at the nearest VTB office. The user must bring with him the documents listed above.

After receiving the card, activate it at the nearest VTB ATM. To do this, just perform the operation: check the balance.

Interest on cash withdrawals from a VTB credit card

You can withdraw cash from a VTB credit card at the bank's cash desk or through an ATM. In both cases, you will have to pay a fee for the service.

When cashing out at a bank branch, the commission will be equal to 5.5% of the withdrawn amount (minimum 300 rubles).
If money is withdrawn using a “native” ATM, then the fee will also be 5.5%, but not less than 300 rubles.

In general, it is beneficial to use a credit card for non-cash payments. Cashing out is always accompanied by a high commission.

By the way, a transfer from a VTB credit card to a VTB debit card is also subject to a commission, since this operation is regarded as cashing out. How to do it in the article:

Is it possible to transfer money from a VTB credit card to a Sberbank card?

Using a VTB credit card is quite comfortable. For example, to transfer money from Multicard to a Sberbank plastic product, you just need to go to your personal account on the VTB website. Next proceed like this: