VTB 24 Bank offers a wide selection of credit cards, differing in borrowing limits, interest rates, additional features and annual service costs.

1. Age: from 21 to 69 years.
2. Own income: at least 20,000 rubles per month for residents of Russian regions and more than 30,000 for residents of Moscow or the Moscow region.
3. Citizenship of the Russian Federation, presence of permanent residence.

Before issuing plastic, VTB Bank reviews the following documents:

1. Passport of a citizen of the Russian Federation.
2. Documents confirming income: 2-NDFL or a certificate in the bank form, a personal account statement, a certificate from the place of work (for those who receive a salary in an envelope) for the previous six months.
3. If the requested limit is over 100,000 rubles, VTB Bank also often asks for a foreign passport or vehicle registration certificate.

The conditions for obtaining a VTB 24 credit card require the following sequence of actions:

• filling out a form on the official website of a financial institution;
• making a decision (during the working day);
• receipt of plastic after release to the department specified by the client during registration;
• notification of card issue via SMS;
• provision of original documents when receiving a means of payment at the office.

Types of credit card products

VTB 24 offers its clients the following types of cards:

1. Cashback. For each purchase, a refund of 1% is made. This is the simplest type of plastic, but it can also be used for online payments. Has a grace period of 50 days, like all other options.
2. Pocket. Allows you to save 1% at ATMs of third-party banks.
3. World map. Allows you to receive bonuses in the form of miles, which can be exchanged for travel insurance or used to purchase air tickets. For every 35 rubles spent from the account, the client receives 4 miles. Miles are also awarded when the card is opened on the holder's birthday.
4. Automap. Allows you to receive cashback from 1% to 5% of the amount spent at retail outlets. The maximum accrual occurs when it is used at a gas station. With a total expenditure of over 65,000 rubles per month, the client has access to the “Road Assistance” service. It includes technical assistance, car opening, evacuation and much more.
5. Map of impressions. Allows you to receive 5% cashback for purchases in cafes, restaurants and cinemas. In other cases, the refund will be 1%.
6. Collection. Every 25 rubles spent equals 1 bonus point. You can spend bonuses in the Collection online store. It offers a wide selection of unique products, cosmetics and perfumes.

Any VTB 24 bank credit cards allow you to:

• issue additional cards for yourself or loved ones (but no more than 5 pieces);
• use Internet banking services and SMS notifications about the movement of funds in the account (free of charge or at a tariff);
• save up to 40% when purchasing goods from bank partners.

Classic, gold and platinum cards

Plastic can have different statuses, which affect its parameters.

1. Classic. The limit of such a card does not exceed 300,000 rubles. These are the simplest, but at the same time, very functional products. They are suitable for performing all standard operations, but do not have an additional range of capabilities. Service – 75 rub. in year.
2. Gold. The limit of up to 750,000 rubles allows you to use plastic even for large purchases. In addition, the owner gets access to a free concierge service. Using this service, you can easily and easily order tickets, find a hotel or call a taxi. The cost of maintenance is 300 rubles per year.
3. Platinum. Limit up to 1 million rubles. Intended for privileged clients. Maintenance – 850 rubles per year.

During the application process, a bank employee will give you additional recommendations on how to use the VTB 24 credit card. The interest rate is strictly individual and depends on the status of the borrower. Varies in a wide range of 24-39% per annum.

In the article:

VTB Bank offers a good selection of credit cards with different statuses and favorable lending conditions. Potential borrowers and current clients of this financial institution will be able to choose the most attractive banking product among an extensive line of credit cards. The conditions of VTB credit cards are quite loyal; if used correctly, owners will be able to appreciate all the advantages of credit cards from this bank.

Types of credit cards

Making the right choice when applying for a loan using a bank card can sometimes be quite difficult. Each plastic has its own characteristics, bonus program and privileges. You should find out in advance which types of credit cards will be more interesting for you. How VTB 24 credit cards are serviced, conditions, reviews, replenishment methods, features of the grace period - all this information will be useful to make the right decision.

If the borrower plans to travel regularly, he should focus on co-branded cards with bonuses in the form of miles. Car owners will be interested in cards with a certain percentage of refunds when paying at gas stations; lovers of high life will be more interested in cash back from clubs, restaurants, etc.

VTB 24 offers 3 main types of plastic:

• Classic;
• Gold;
• Platinum.

What is different about each VTB 24 credit card? Terms of use will vary. It all depends on the status: on classic cards the credit limit is lower, there are fewer bonuses (as a percentage), but they are also cheaper to service. Platinum owners will receive more interest (points, miles) on bonus systems, they will have access to a fairly large credit limit, but the cost of service will also increase significantly.

Terms of use of credit cards of different banks, including VTB 24

Choosing a VTB 24 credit card

When choosing, you can focus on the “purpose” of the credit card. The following VTB 24 credit cards are issued (their terms of use are different):

• For travel lovers (bonuses in the form of miles from Russian Railways or Transaero);
• Autocards;
• Pocket (access to finance on attractive terms of use);
• For entertainment lovers (cash back is provided when paying in clubs, restaurants, table reservation services);
• Status (large credit limit - up to 2 million rubles).

All these cards are members of the Visa or MasterCard systems; they can be classic, gold or platinum.

Classic credit card

If your choice is a VTB 24 classic credit card, the terms of use will be as follows: the borrower can use credit funds both in the Russian Federation and abroad, the grace period applies to cash withdrawals, the average limit on the card is up to 300 thousand rubles, interest is charged for purchases - 1% of the amount (or 1 bonus for 50 rubles). The “classic” is available in several versions:

• Pocket;
• Cashback;
• Collection;
• VTB24 – Russian Railways.

Gold credit card

Are you interested in the VTB 24 gold credit card? The terms of use of these cards imply higher bonus interest, but the cost of servicing the credit card also increases. You can choose the following gold options:

• World map;
• Automap;
• Collection;
• Map of impressions.

Terms of registration and use of the card

If you are interested in VTB 24 credit cards, you can find out the conditions for receiving them in advance in order to prepare the necessary documents. The main requirements for potential borrowers will be:

• Age: from 21 to 68 years;
• Citizenship of the Russian Federation: required;
• Registration: permanent or temporary in the region where the bank operates is required;
• Additional documents: international passport, 2-personal income tax, salary account statement, tax return, bank certificate, documents for PTS are required.

The first three points are common to all types of credit cards. Regarding the last point (additional documents), it all depends on what kind of card is issued, gold, platinum or classic VTB 24 credit card. Terms of use

specific documents may differ, but without additional confirmation of your creditworthiness and work experience (at least the last 3 months continuously), a potential borrower will not be able to apply for registration.

Cash withdrawal

It is worth noting that VTB 24 is quite loyal to the issue of cash withdrawals. Many credit institutions charge interest on cash withdrawals during the grace period. VTB 24 shows loyalty in this matter; the grace period also applies to cashing out funds.

Features of withdrawing cash from a classic VTB 24 credit card

But there is only one card that works without a grace period. The exception is the VTB 24 classic credit card. Its terms of service do not imply a grace period at all. We are talking about a “Pocket” credit card of the “MasterCard Standard” category. If you plan to open it, then carefully read the terms of use.

Despite the lack of an interest-free period, it is a rather attractive banking product. This is a credit card with a low commission for withdrawing credit money (1%, your own is free). And also with a low cost of annual maintenance - only 900 rubles / year, and no requirements for confirmation of work experience.

Conditions for withdrawing cash from credit cards at VTB 24

• Own funds: free at VTB 24 ATMs;
• Credit: 1%, but not less than 50 rubles. (in own ATMs and PVN, transactions in partner banks and third-party credit institutions);
• Transfers: 5.5%, but not less than 300 rubles. (any transfers, with the exception of using your own finances - no commission).

Note: these are standard terms of use for most cards, please clarify this issue when registering.

Loan repayment

You learned how the VTB 24 credit card is serviced. The terms of loan repayment depend on the type of credit card. The minimum monthly payment for repayment is usually from 3 to 5% of the amount of funds used + accrued bank interest. It is worth noting one feature of VTB 24’s work.

Calculation of the grace period begins not from the day of actual use of the card, but according to calendar months. What does this mean for the borrower? If the indicated grace is a period of 50 days, then actually you will have only 30 days to use the finance without interest, and 20 to restore the balance on the card. Then, starting next month, you will be able to “start” the grace period again.

Please clarify this issue with bank specialists to prevent delays and penalties from coming into force. Although they are minimal at VTB 24 (0.1% per day accrued on the overdue amount), nevertheless, try to avoid such situations.

The conditions of VTB credit cards are in some aspects more attractive than similar products from other banks. But they also have their own characteristics that borrowers should consider when choosing.

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:

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 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.

For people living at a modern pace, plastic cards have long replaced traditional systems for making payments and storing money. In addition to debit cards, there are also credit cards. 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 makes a late 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.
• Each card account can have several plastic cards connected to it. 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 the monthly payment or lower 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. The 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 for using funds. 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. It takes no more than three weeks to produce a plastic card.

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. All bank credit cards, except the MasterCard Standard card, have a period during which you can use 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 exactly 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.

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.