VTB visa card 24 yearly service. Credit classic card VTB24. Detailed overview, terms, rates and reviews
Credit multicard
to 10%
INTEREST FREE PERIOD
You may not pay interest for the use of credit funds, provided that the full amount of the debt is repaid by the 20th day of the month following the month in which the purchases were made. In other cases, interest will be accrued 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 R
Debit multicard
Free service Monthly commission is not charged if one of the following conditions is met:The amount of purchases is not less than 15 thousand R on cards
account balances of at least 15 thousand R
receipts from 15 thousand R to the master account from a legal entity
If none of the conditions are met, the commission will be 249 R
CASH BACKCash back (cash back) - part return Money spent with a bank card back to the account within a month following the month of purchases. Maximum size rewards for options: "Auto", "Cash back", "Restaurants" - 15,000 rubles. per month. Other options are unlimited.to 10%
INTEREST ON THE BALANCE
Interest is accrued on the balance of funds on the master account for card purchases in the amount of 5 thousand R per month. If the "Savings" option is enabled, no interest is accrued on the balance of funds on the master accountup to 7%
CASH WITHDRAWAL FROM ANY ATM
The bank refunds withdrawal fees own funds from a debit card at ATMs of other banks in the form of cash back. The commission is returned for card purchases in the amount of 5 thousand R per month. Limit for withdrawal without commission - up to 150 thousand R0% 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!
Bonuses of the "Collection" program
1 bonus for every 50 R spent on the card
1 bonus for every 30 R spent on the card
1 bonus for every 25 R spent on the card
Bonus Card CashBack
Classic
Bonus Autocard
Gold
Gold / Platinum
Bonus World Map
Gold
Gold / Platinum
Visa Signature
Bonus Experience Card
Gold
Gold / Platinum
MS World Black Edition / Visa Signature
Insurance program "Card Protection"
coverage up to 75 000 R
coverage up to 75 000 R
Insurance program "Account protection"
coverage up to 350 000 R
Insurance program "Traveler Protection" (optional)
coverage up to $50,000
coverage up to $100,000
SMS-notification package "Cards"
59 R per month
is free
is free
is free
SMS-notification "Cards+" package
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 Mir
4 Visa Signature / MasterCard Black Edition / Privileged card Mir
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 bank offices to your accounts opened with VTB24
is free
Transfers in rubles at bank 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
Service of a personal managerDedicated phone line
Priority Pass (access to the airport business lounge)
Brokerage service
Concierge service"Base"
"Base"
"Premium"
Free cash withdrawal from ATMs of other banks
1 time per quarter
2 times a quarter
3 times a month
Fulfill one of the conditions and use the package for free!
Monthly account balances, including deposits
more than 200 000 R
more than 350 000 R
more than 700 000 R
more than 2 000 000 R
Monthly card turnover
more than 20 000 R
more than 35 000 R
more than 65 000 R
more than 55 000 R
Regular receipts on the master account
more than 15 000 R
more than 40 000 R
more than 80 000 R
more than 120 000 Р****
Monthly balances on master accounts and savings accounts
more than 100 000 R
more than 175 000 R
more than 350 000 R
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***
The large amount of the available credit limit and the low interest rate, the grace period for lending (valid for cash withdrawals on account of the loan) create a good impression of the card. The service is not free, the average market according to the classics (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. | Bid min. |
Grace period | Annual maintenance | Design | 450000 | 24 | 50 | 750 | rubles | % | days | rub. |
A classic from a large bank with good features plus a profitable bonus program |
|||||
| Lending terms | Card service | Owner Requirements | |||
|---|---|---|---|---|---|
| Maximum credit limit | 450000 rub. | Issue fee | Is free | Age | from 21 to 68 years old |
| Interest rate | 24% | Annual maintenance | 750 rub. | The documents | according to 2 documents |
| Grace period | up to 50 days | SMS informing | 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 withdrawal | 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 the client's balance | Not |
| Delivery options: mail / courier | No no | Use of own funds | maybe | Cashback (refund) | Not |
| Advantages | Bonus program, presence of a chip, large credit limit, grace period valid for cash withdrawals, low interest rate | ||||
| Flaws | Significant fee for withdrawal of credit funds, payable service SMS informing (fee is low), significant penalties for late payment | ||||
Classic VTB24 card
Credit limit max.:
Rate 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 withdrawal
Delivery options: post / courier
Card service
Issue fee
Is free
Annual maintenance
SMS - informing
Validity
Withdrawing cash from an ATM at the expense of your own / someone else's loan
4.9%, min. RUB 300/4.9%, min. 300 rub.
Use of own funds
maybe
Owner Requirements
from 21 to 68 years old
The documents
according to 2 documents
Loyalty program
Bonus program Collection, discounts from partners
Interest on the client's balance
Cashback (refund)
Bonus program, presence of a chip, large credit limit, grace period valid for cash withdrawals, low interest rate
Significant commission for the withdrawal of credit funds, paid SMS informing service (low fee), significant 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 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 as part of a number of corporate programs).
The tariffs also have another useful item about service: 199 rubles for the 1st year, if the client issues the product on the VTB24 corporate website (you can profitably get 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 from the date of issuance.
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 bank customers, for example, who have opened a deposit (not for 10 thousand, of course), are more likely to receive it in full. Its value for everyone else will depend on solvency and accumulated credit history.
The grace period is honest (more) up to 50 days, covering cash withdrawals (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 small. A larger payment stimulates faster repayment of the loan, 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 banking) at VTB 24 will cost 300 rubles annually.
This is a basic package, there is also an extended one - 500 rubles. Banks that charge for such services can be counted on the fingers.
But there is an opportunity to use Telebank for free, for this you need to satisfy some condition specified in the tariffs. For example, it can be used free of charge for 3 years by a client with a VTB24 payroll bank card or for 1 year by a client who has opened a deposit. Attracted a beginner to connect to the TV bank - get 60 days for free. Than you do not have an affiliate program, and the bank will earn money and you will be fine.
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. Often this is enough, in addition, Teleinfo is provided free of charge (it is 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 connect the "Cards" package for 180 days (120 rubles) or for 360 days (200 rubles)
An account statement with the necessary payment can be sent to e-mail (free service), by SMS. It is not a problem to find 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 from your own 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 funds with a commission of 3.9% of the transfer amount (min. 100 rubles)
Penalties for late payment are very decent: for late repayment of debt on a loan - 0.8% per day of the amount of overdue debt. For exceeding the established credit limit, 0.6% per day of the excess amount will be taken.
You can repay the loan free of charge at VTB 24 ATMs with the function of accepting cash or in Telebank removed from your account. You can replenish a credit card with a commission through the Contact system, using the Visa Money Transfer or MasterCard ® MoneySend money transfer service, 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 of the bank's presence and an age of 21 to 68 years to get a credit card. From the documents: passport and the 2nd one to choose from (certificate 2-NDFL 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 current clients (salaries or depositors) (this is natural).
Bonuses
The bank offers the "Collection" bonus program, 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 for all your VTB 24 cards (if you have several of them) will be credited to a single bonus account. Nice 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 more than 1 thousand pieces in all major cities. Having considered how much it costs to service a VTB 24 card, we get:
| Name | Maintenance cost (rub) first year | Cost of maintenance (rubles) subsequent years |
| Multicard | Is free | Is free |
| classical | 100 | 750 |
| Golden | 1500 | 3000 |
| Transaero | 75 | 75 |
| Transaero GOLD | 350 | 350 |
| My conditions | Is free | Is free |
| My MasterCard Gold Terms | 1800 | 3600 |
| Russian Railways | 75 | 75 |
| RZD Gold | 350 | 350 |
| UTair | 100 | 100 |
| UTair VISA Gold | 2000 | 4000 |
| Yakutia | 75 | 75 |
| Yakutia Golden | 350 | 350 |
| Yakutia Platinum | 850 | 850 |
| Payroll card Classic | 100 | 750 |
For a more detailed consideration of the issue, it is necessary to study the following questions:
The cost of annual maintenance of VTB cards
The most popular and interesting for VTB Bank customers are:
- Classic. Allows you to receive bonuses from 1.5% of any purchase. When using it, partners can get back up to 10% of the funds. It has high limits (up to 100 thousand cash withdrawals per day) and is also well protected from fraud. For the first year of service, it is enough to pay 100 rubles, and for the next 750;
- Golden. Expands the limits several times, and also has increased account capabilities (store up to 3 million rubles on the account). The cost of maintenance in the first year is 1,500 rubles, when in subsequent years you will have to pay 3,000 rubles each;
- Salary. They are an option for legal entities who want to reduce the cost 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 pay only 100 rubles;
- My conditions. One of the best credit cards for individuals because it does not require annual payment. Having a fairly small limit on loans (up to 150 thousand). Additionally, it receives bonuses from VTB 24 in the amount of 1%.
Having considered the advantages and tariffs of popular accounts, they will allow you to understand how much it costs to maintain a VTB 24 card.
Additional bonuses VTB 24
Among the advantages of the cards of this bank are:
- Earn points for purchases. Provided at a rate of 1% for any spending. There is also a group of partners (shops, websites, airlines and others) where you can get increased amount points (3-10%);
- Miles. Depending on which card is issued (Transaero, Yakutia or UTair), miles are provided, with which you can later pay for a ticket or flight. Accumulative payment system relished 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. In the future, it will be possible to pay for railway tickets;
- Cash withdrawal. It is 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 benefits from VTB 24 will be in addition to the relatively low cost of service.