VTB card annual service. Classic credit card VTB24. Detailed review, conditions, rates and reviews
The large value of the available credit limit and the low interest rate, the grace period of the lending (acting on the withdrawal of cash against the loan) create a good impression of the card. The service is not free, the average market for the classic (Visa Classic, MasterCard Standard) - 750 rubles. Some services (telebank) are paid, which is far from the norm. Read more about the map in our review.
| Credit limit max. | Rate min. |
Grace period | Annual maintenance | Checkout | 450000 | 24 | 50 | 750 | rubles | % | days | rub. |
A classic from a large bank with good characteristics plus a profitable bonus program |
|||||
| Lending terms | Card service | Owner requirements | |||
|---|---|---|---|---|---|
| Maximum credit limit | RUB 450,000 | Issue fee | Is free | Age | from 21 to 68 years old |
| Interest rate | 24% | Annual maintenance | 750 RUB | Documents | according to 2 documents |
| Grace period | up to 50 days | SMS informing | RUB 17 | Bonuses | |
| Minimum payment | 3% of debt + interest on a loan | Validity | Loyalty program | Bonus program Collection, discounts from partners | |
| Grace period for cash withdrawals | Yes | Withdrawing cash from an ATM using a loan friend / foe |
4.9%, min. RUB 300 / 4.9%, min. RUB 300 | Percentage of the client's balance | No |
| Delivery options: mail / courier | No no | Using own funds | maybe | Cashback (refund) | No |
| Benefits | Bonus program, presence of a chip, large credit limit, grace period for cash withdrawals, low interest rate | ||||
| disadvantages | Significant commission for the withdrawal of credit funds, payable service SMS informing (low fee), significant penalties for late payment | ||||
Classic VTB24 card
Credit limit max:
Min rate:
Grace period:
Annual maintenance:
Lending terms
Maximum credit limit
Interest rate
Grace period
up to 50 days
Minimum payment
3% of debt + interest on a loan
Grace period for cash withdrawals
Delivery options: mail / courier
Card service
Issue fee
Is free
Annual maintenance
SMS - informing
Validity
Cash withdrawal from an ATM at the expense of a loan from your own / someone else's
4.9%, min. RUB 300 / 4.9%, min. RUB 300
Using your own funds
maybe
Owner requirements
from 21 to 68 years old
Documents
according to 2 documents
Loyalty program
Bonus program Collection, discounts from partners
Percentage of the client's balance
Cashback (refund)
Bonus program, presence of a chip, large credit limit, grace period for cash withdrawals, low interest rate
Significant commission for withdrawing credit funds, paid SMS notification service (low fee), substantial penalties for late payment
More about tariffs and conditions
Basic tariffs and conditions for the classic VTB 24 card
The service will cost 750 rubles annually, but the cardholders of the Bank of Moscow can be served free of charge for the first year (the same benefits are available to customers who have issued a card within the framework of a number of corporate programs).
The tariffs also have one more useful point about service: 199 rubles for the 1st year, if the client checks out the product on the VTB24 corporate website (you can profitably get on the action 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 issue up to 5 additional cards (375 rubles / year each).
The maximum credit limit is unnaturally high for the classics: 450,000 rubles, but the bank's clients, for example, who have opened a deposit (not for 10,000, of course), are more likely to receive it in full. Its value for everyone else will depend on the solvency and the accumulated credit history.
The grace period is fair (more) up to 50 days, covering cash withdrawal operations (plastic only benefits from this).
The rate is set at 24%, at least you already know it unambiguously, in contrast to a number of banks that give the final rate from a wide range of values \u200b\u200b(and others).
Low 3% plus accrued interest (if any) - I don't know if it's good or bad that it's so small. A larger payment stimulates the loan to be repaid faster, and a low one only leads to its rise in price (if the loan is repaid only with minimal payments).
Additional services, tariffs and commissions
A separate topic is informing and managing 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 package - 500 rubles. There are countless banks that charge for such services.
But there is an opportunity to use Telebank for free, for this it is necessary to satisfy some condition prescribed in the tariffs. For example, you can use it for free for 3 years for a client with a VTB24 salary bank card or for 1 year for a client who has opened a deposit. Brought a newbie to connect to the TV bank - get 60 days for free. Why don't you have an affiliate program, and the bank will work and you will feel good.
Specify all conditions in latest edition tariffs.
There is a light version of Telebank - Teleinfo, where you can view information about accounts, but not manage them. This is often enough, besides, Teleinfo is provided free of charge (it can be connected at a branch, in Telebank or by calling a 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 for 360 days (200 rubles)
An invoice statement with the required payment can be sent to e-mail (free service), by SMS. It is not a problem to recognize her 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 from your ATMs with zero commission (in other people's 1%). For 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 overdue debt. For exceeding the established credit limit, they will take 0.6% per day of the excess amount.
You can repay the loan free of charge at VTB 24 ATMs with the function of accepting cash or at Telebank remotely from your account. You can replenish a credit card with a commission through the Contact system, using the money transfer service Visa Money Transfer or MasterCard ® MoneySend, at the cash desks of the bank branches and by transferring 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 of the bank's presence and be between 21 and 68 years old to get a credit card. From documents: passport and 2nd to choose from (2-NDFL certificate from your employer; income statement in the form of a bank; current account statement; foreign passport; car registration certificate.). The bank is more loyal to its current clients (salaries 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 of them) 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 receive discounts from partners.
VTB 24 Bank is one of the largest financial institutions engaged not only in lending to citizens, but also in servicing plastic cards. The number of offices throughout the country is over 1 thousand in all major cities. Having considered how much it costs to service a VTB 24 card, we get:
| Name | Service cost (rub) first year | Maintenance cost (rub) for subsequent years |
| Multicard | Is free | Is free |
| Classic | 100 | 750 |
| Gold | 1500 | 3000 |
| Transaero | 75 | 75 |
| Transaero GOLD | 350 | 350 |
| My conditions | Is free | Is free |
| My MasterCard Gold conditions | 1800 | 3600 |
| Russian Railways | 75 | 75 |
| RZD Gold | 350 | 350 |
| UTair | 100 | 100 |
| UTair VISA Gold | 2000 | 4000 |
| Yakutia | 75 | 75 |
| Yakutia Gold | 350 | 350 |
| Yakutia Platinum | 850 | 850 |
| Salary cards Classic | 100 | 750 |
For a more detailed consideration of the issue, you will need to study the following questions:
Annual maintenance fee for VTB cards
The most popular and interesting for VTB Bank clients are:
- Classic. Allows you to receive bonuses from 1.5% of any purchase. When using it from partners, you can get back up to 10% of the funds. It has high limits (up to 100,000 cash withdrawals per day) and is well protected from fraud. For the first year of service, it is enough to pay 100 rubles, and for the next 750;
- Gold. It expands the limits several times, and also has increased account capabilities (store up to 3 million rubles in the account). The cost of service in the first year is 1,500 rubles, when in the subsequent years you will have to pay 3,000 rubles;
- Salary. Are an option for legal entitieswho want to reduce the costs of settlement and cash services. For them, it is enough to give 750 rubles a year, and in the first 365 days you need to give only 100 rubles;
- My conditions. One of the most profitable credit cards for individuals, as it does not require an annual payment. Having a fairly small loan limit (up to 150 thousand). Additionally, bonuses from VTB 24 in the amount of 1% are credited to it.
Having considered the advantages and tariffs of popular accounts, they will allow you to understand how much it costs to service a VTB 24 card.
Additional bonuses VTB 24
Among the advantages of this bank's cards are:
- Earning points for purchases. Provided at a rate of 1% for any spend. There is also a group of partners (shops, websites, airlines, etc.) where you can get an increased number of points (3-10%);
- Miles. Depending on which card is issued (Transaero, Yakutia or UTair), miles are provided, which can then be used to pay for a ticket or flight. Accumulative payment system was to your liking a large number clients of a financial institution;
- RUSSIAN RAILWAYS. 3% of the total expenses will be credited to the account with the railway company. Later it will be possible to pay for train tickets;
- Cash withdrawal. Provided using VTB 24 ATMs available in almost all cities of the country;
- Transfer from card to card. It is carried out without a commission if a transfer is made to a VTB card. In the case of other banks, you will have to pay 1-3%.
These advantages from VTB 24 bank will be in addition to the relatively low cost of service.
Review of VTB 24 bank plastic cards, service cost, conditions for obtaining, types of cards. VTB 24 has combined all types of its cards into one, which it called the Multicard, in which you will find all the advantages of previously issued cards, both debit and credit.
Credit multicard
to 10%
FREE PERIOD
You may not pay interest for using credit funds, provided that the full amount of the debt is repaid by the 20th day of the month following the month of making purchases. In other cases, interest will be charged on the amount owed at a rate of 26% per annum.up to 50 days
CREDIT LIMIT
The amount of the credit limit is calculated by the bank individually up to 1 million RURDebit multicard
Free service Monthly commission is not charged if one of the conditions is met:The amount of purchases is not less than 15 thousand R by cards
account balances of at least 15 thousand rubles
receipts from 15 thousand rubles to the master account from a legal entity
If none of the conditions are met, the commission will be 249 R
CASH BACKCash back - part return moneyspent using a bank card back to the account within the month following the month of making purchases. Maximum size remuneration for options: "Auto", "Cash back", "Restaurants" - 15,000 rubles. per month. For other options - unlimited.to 10%
PERCENTAGE REMAINING
Interest is accrued on the balance on the master account when making purchases with a card in the amount of 5 thousand rubles or more per month. When the "Savings" option is enabled, interest on the balance on the master account is not accruedup to 7%
WITHDRAWAL OF CASH AT ANY ATM
The bank returns commissions for withdrawing its own funds from a debit card at ATMs of other banks in the form of cash back. The commission is refunded for purchases with a card in the amount of 5 thousand rubles or more per month. Limit for withdrawal without commission - up to 150 thousand rubles0% commission
Manage your finances with the VTB24 service package - VTB24-Online Internet Banking, SMS notifications, the possibility of issuing a premium debit card, additional bonus programs Auto, Travel or Entertainment are now in one package!
Collection program bonuses
1 bonus for every 50 Р spent on the card
1 bonus for every 30 Р spent on the card
1 bonus for every 25 Р spent on the card
CashBack Bonus Card
Classic
Bonus Auto Map
Gold
Gold / Platinum
Bonus World Map
Gold
Gold / Platinum
Visa Signature
Bonus Experience Card
Gold
Gold / Platinum
MC World Black Edition / Visa Signature
Insurance program "Card Protection"
coverage up to 75,000 RUR
coverage up to 75,000 RUR
Insurance program "Account protection"
coverage up to 350,000 RUR
Traveler Protection insurance program (optional)
coverage up to $ 50,000
coverage up to $ 100,000
SMS-notification package "Maps"
59 R per month
is free
is free
is free
SMS-notification package "Cards +"
59 R per month
is free
is free
is free
Savings account
up to 8.5%
up to 8.5%
up to 8.5%
up to 8.5%
Number of free additional cards within the package
1 Visa Gold / MasterCard Gold / Gold card Mir
2 Visa Platinum / MasterCard Platinum / Platinum card World
4 Visa Signature / MasterCard Black Edition / Privileged card World
Transfers in rubles through VTB24-Online to your accounts and accounts of third parties opened with VTB24
is free
Transfers in rubles through VTB24-Online to accounts opened with other banks
is free *
Transfers in rubles at the bank's offices to their accounts opened with VTB24
is free
Transfers in rubles at the bank's offices to third-party accounts opened with VTB24, and to accounts opened with other banks
1%
1%
0,5%
0,5%
Privileges from international payment systems
Personal manager serviceDedicated telephone line
Priority Pass (access to the airport lounges)
Brokerage service
Concierge service"Base"
"Base"
"Premium"
Free cash withdrawal from ATMs of other banks
Once a quarter
2 times a quarter
3 times a month
Complete one of the conditions and use the package for free!
Monthly account balances, including deposits
over 200,000 RUR
over 350,000 RUR
more than 700,000 rubles
over 2,000,000 RUR
Monthly card turnover
more than 20,000 RUR
more than 35 000 RUR
over 65,000 RUR
over 55,000 RUR
Regular payments to the master account
more than 15,000 RUR
more than 40,000 RUR
over 80,000 RUR
more than 120 000 R ****
Monthly master and savings account balances
over 100,000 RUR
more than 175,000 RUR
over 350,000 RUR
If none of the conditions above suits you, then the cost of monthly maintenance will be:
75 R per month
350 R per month
850 R per month
2 500 R per month ***