For many borrowers, credit cards become an excellent opportunity to use bank funds as needed. Khanty-Mansiysk Bank provides several options for such lending on fairly favorable terms. Today, this financial organization is becoming one of the largest regional banking systems due to its inclusion in the Otkritie group. Accordingly, card lending conditions become very attractive.

Conditions for obtaining a Khanty-Mansiysk Bank credit card

The main condition for obtaining a credit card is the presence of a bank account with the given financial organization with the possibility of using international payment systems. Next, the following conditions must be met:

• presence of Russian citizenship and registration at the place of residence in the region where the branch of this financial organization is present during the last six months;
• absence of overdue debts and negative loan history;
• having a permanent job for the last three months, as well as a regular income of at least 10 thousand net rubles;
• age range from 18 to 65 years at the end of the concluded loan agreement.

A credit card from Khanty-Mansiysk Bank is issued for a period of two years. Its service and registration are free. In this case, cash withdrawal is allowed with a commission of 3% with a minimum threshold of 150 rubles.

The grace period for such a card is 60 days. In this case, there is a minimum monthly payment of 5% of the total debt, plus full payment of accrued interest.

Apply for a credit card online

For many applicants, an urgent need is the question of how to apply for a Khanty-Mansiysk Bank credit card online. This method allows you to quickly apply for a credit card without having to waste extra time and stand in queues at a bank branch.

To make such an application, you must register on the official website and fill out the appropriate form. One of the advantages of Khanty-Mansiysk Bank is the rapid processing of applications. This usually takes no more than one working day.

Also, through an online application, you can immediately familiarize yourself with the functionality of Internet banking. It will allow you to quickly and conveniently check your balance and view current expenses online.

Interest on a credit card at Khanty-Mansiysk Bank

Interest rates on Khanty-Mansiysk Bank credit cards vary depending on their type. There are several main design options:

• Visa Classic offers the lowest interest rate - only 19%, the loan amount varies between 10-300 thousand rubles;
• MasterCard Cirrus and Maestro offer an interest rate of 26% under the same conditions;
• Rostelecom - Khanty-Mansiysk Bank offers an interest rate of 22%;
• Status - Khanty-Mansiysk Bank increases the credit limit to half a million while maintaining the interest rate at 22%.

All presented credit cards require confirmation of the client’s financial solvency. There are several advantages that determine the capabilities of credit cards of the selected banking system:

• through credit cards you can get a loan without having to collect a whole bunch of unnecessary documents;
• the grace period allows you to use bank funds for up to two months without accruing interest;
• a long period of use of a credit card allows you to create a positive history, which will allow you to count on receiving targeted and consumer loans in the future;
• Thanks to the international payment system, cards can be used in any country in the world;
• the opportunity to receive cash with a minimum commission, as well as a convenient system for repaying debts.

How to check your credit card balance

The Khanty-Mansiysk Bank Otkritie credit card status is valid for two years. During this period, the borrower can monitor the status of the current account and expenses online through the Internet service. To do this, registration on the official website is required.

To quickly issue a debit card in Khanty-Mansiysk, you only need a passport. Many people will like the product, since to receive it you will not need to document your solvency by presenting salary certificates or similar papers.

How to choose

Since bank cards in Khanty-Mansiysk are very diverse, it will be easy to choose the option that best suits your wishes. At the same time, it is worth focusing on such an important indicator as the presence of additional functions on the card of the bank you like in Khanty-Mansiysk.

Plastic is equipped with useful options to protect against unwanted actions of third parties. The use of 3D Secure technology guarantees the security of payments on the Internet. The PIN code, known only to the holder, acts as an identifier for the owner of the plastic media. When paying for goods and services contactless, time is saved significantly. The accrual of interest on the balance allows the holder to receive double benefits if a large amount is kept in the account.

How to apply

A debit card in Khanty-Mansiysk is a product that is available to most citizens of the Russian Federation. It is very convenient that you can apply for it both at the nearest office of the issuer and on its official Internet resource. When registering a payment instrument remotely, you save time because the form is filled out online.

The application contains the following information about yourself and your social status:

1. FULL NAME.;
2. age;
3. gender;
4. passport details (strictly in accordance with the document - series, number, by whom and when issued, department code);
5. mobile phone contact number;
6. address of the actual residence;
7. email.

As a rule, no more than 5 working days are allotted for consideration of the information provided by the applicant. If approved, a bank card is issued in Khanty-Mansiysk. The applicant is invited to receive it at the nearest branch, where an agreement is concluded on the basis of which a plastic carrier is issued.

What are the requirements?

A bank debit card in Khanty-Mansiysk will appeal to many people, since to issue it you will need to pass a check to meet the minimum criteria:

1. capacity;
2. age at least 18 years;
3. citizenship of the Russian Federation;
4. registration in the country.

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* All offers displayed on this page are the best or most profitable solely in the opinion of Banki.ru experts

Khanty-Mansiysk Bank has been operating in the Russian market for more than 20 years and has taken a fairly stable position in its segment. At the moment, there are more than 170 of its branches throughout Russia, where both private and corporate users can use certain banking services. Their list also includes credit cards of the Khanty-Mansiysk Bank of several types:

• for users of salary projects;
• for clients holding a bank account for payments using plastic cards;
• for persons who do not have a bank account;
• for deposit holders.

Each card has its own characteristics, which are expressed in the conditions provided to the client. Let's look at them in more detail in this article.

Khanty-Mansiysk Bank credit card: conditions

Depending on what type of card a citizen uses, he is provided with different types of conditions. The loan rate is subject to changes. It indicates the amount of interest accrued per year from the date of opening the debt. Also, the type of card affects the limit, which indicates the maximum amount after spending which the client will no longer be able to pay for purchases.

1. Persons using “plastic”, intended for payroll clients, are provided with a fairly low interest rate of 25% per annum. At the same time, the credit limit is set individually for the client and can be up to 25%. The maximum value ranges from 10 to 300 thousand rubles.
2. If the client does not receive a salary from the organization, but he has an account with this bank, then the conditions for him are slightly modified. Thus, the annual rate will be only 19%. At the same time, the maximum limit increases to 500 thousand. This amount can be doubled, but for this you need to issue a credit card belonging to the Gold category. At the same time, the rate will decrease by another 1%.
3. Perhaps the most ambiguous conditions apply to cards for those who decide to open a deposit with the Khanty-Mansiysk Bank. On the one hand, the problem is the lending rate of 26%. But at the same time, such a credit card also has some advantages. Thus, the size of the limit is selected for each client individually and depends on the amount of the deposit that was placed with the bank.
4. If a citizen has not had any contact with the bank before applying for a card, then he can receive a credit card with a limit of 10 to 500 thousand rubles. The loan rate in this case will be slightly higher than that of “payroll” or account holders. Its size will be 22% per year. But you can get more favorable conditions; to do this, you just need to get a Gold class credit card. In this case, the limit will be one million rubles, and the rate will be fixed at 19%.

Other cards

The most common types of credit cards from the Khanty-Mansiysk Bank were listed above. But, in addition to them, this financial institution can offer its clients other types of “plastic”, developed jointly with certain companies.

Thus, together with the UTair airline, the organization issues two “Status” cards. Both products have an annual interest rate of 29%. Their difference lies in the limit, which can have a maximum size of 500 thousand or one million rubles.

The bank also cooperates with Rostelecom. If the card recipient is a client of this operator, then he can order a credit card with a limit of 300 thousand rubles. The interest rate is identical to that for “Status” cards and is equal to 29% per year.

How to get a card

Khanty-Mansiysk Bank, like many other financial firms, is developing with the times. Therefore, there are several ways to issue credit cards. To do this, you can contact one of the company’s many offices or go to the official website in the “Maps” section. There, the client can submit an online application for a Khanty-Mansiysk Bank credit card.

For the last method of registration, you need to register on the bank’s website, and then fill out a short application form. This paper will be sent to the organization’s specialists, who will double-check the specified data and send a response. After this, the card will be sent to its owner. The exact delivery time directly depends on the client’s place of residence.

Advantages of Khanty-Mansiysk Bank cards

Credit cards from Khanty-Mansiysk Bank have several advantages, thanks to which they look more favorably compared to simple loans or products of other banks:

1. Each card has a grace period of 2 months, during which no interest is charged. As a result, the client can use the service without spending additional money.
2. A credit card is always at hand and in an emergency it will help you get a large amount in a short time. At the same time, the conditions will be much more favorable than in the same microfinance organizations.
3. The cards work with many terminals, as a result of which you can pay with them in all stores where cashless payments are possible.
4. Due to the large number of branches, as well as ATMs of the Khanty-Mansiysk Bank, credit card holders have the opportunity to withdraw amounts from their cards in the form of cash. In addition to the company’s equipment, clients can also use the terminals of the bank’s partners.
5. An SMS notification service is provided with the card. Thanks to it, it will be easier for the user to monitor the movement of funds in his account.

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Often a credit card (at Khanty-Mansiysk Bank or any other) may be needed at any time. And even if you don't regularly use borrowed funds, you never know when your budget will collapse and you'll need a small amount that you can pay back within a few months. The former Khanty-Mansiysk Bank provides such a service to the general population, with good conditions and many convenient functions.

Bank reorganization

First, it’s worth explaining the situation at the Khanty-Mansiysk Bank - in recent years, a number of significant events have occurred at the bank, which are important to know about before using their loan products.

Credit card

Due to the almost complete rebranding and transition of the bank to “another wing”, the credit card and any other offers will be issued at Otkritie tariffs.

A classic offer for those who just want to get a credit card and not waste their time looking for additional benefits from using it. The “starting” loan rate is 19.9 percent per annum, you will find out its exact rate after approval. The maximum credit limit starts from 20,000 rubles and ends at 300,000 rubles per month. To qualify for a limit of more than 50,000 thousand, you need to confirm your earnings - a 2-personal income tax certificate is best for this, but the bank is also considering other options. Free annual maintenance.



As the name suggests, the offer is aimed at travelers - those who like to visit other cities and countries for the sake of adventure and pleasure, and those whose work requires them to constantly move. It has standard conditions, but allows you to significantly save on air travel, purchasing train tickets, as well as on hotel accommodations. For every flight, relocation, or successful hotel booking, you will receive cashback in real money or special bonuses from the companies themselves. In the future, bonuses can be used to pay for a ticket, hotel, or other services. The cost of annual maintenance is 990 rubles for the standard version.



1. Smart

   The best option for profitable use with a small maintenance fee is 590 rubles per year. Allows you to use all technological innovations - the card is equipped with contactless payment technology (PayPass), and can also be connected to any smartphone for convenient payment by phone anywhere (SamsungPay, ApplePay, AndroidPay). Stable 10% cashback on purchases on Yandex Afisha, Rambler Kassa, and many other services for selling tickets to various events.

   

2. Lukoil

   Active motorists should apply online for this card; the fee for a standard Lukoil card is 990 rubles per year, but this cost is more than offset by the benefits when refueling. For every 50 rubles spent on gasoline or any purchases at the Lukoil minimarket, you will receive one bonus point. Once you reach a certain number of points, you can refuel your tank absolutely free, or pay for part of the refueling with bonuses. You will also be able to take advantage of various unique offers for cardholders.

   

3. Russian Railways

   A product released in collaboration with the Russian Railways company, which transports citizens across the territory of the Russian Federation and to a number of neighboring countries. The cost of annual service is the same as in the case of Lukoil, 990 rubles, but you can receive up to 2 points for every 50 rubles spent on tickets. Bonuses are credited almost instantly, and in the future you can spend them on any Russian Railways services. Also, special offers, discounts on tickets, etc. are often introduced for owners of such cards.

   

4. Automap

   A unique offer from Otkritie Bank for those whose lives are constantly connected with a car and movement. There is no division into a standard, premium, and gold card; the annual service fee is 2990 rubles. Quite expensive for a credit card, isn't it? However, this cost is justified by a number of guaranteed advantages. You will receive 3% cashback for every gas station, parking, car wash, toll road or car rental. You will also have access to a number of special offers, when paying with a credit card you will receive up to 10% cashback.

   

A special credit card from the former Khanty-Mansiysk bank allows you to use all additional bonuses and agreements between Otkrytie Bank and airline companies. After purchasing, you will be immediately credited with welcome miles, and for a series of simple actions (registration in the program, spreading information about the program, etc.) you can get even more. In the future, you will receive miles when purchasing air tickets and for spending directly on board the aircraft.


Special conditions are introduced for owners of gold and premium cards - they can often buy tickets at a lower price, and when purchasing several tickets at once, receive “real money” back, that is, cashback. Paying for such a pleasure is not cheap - for a standard UTrain card you will pay 1,500 rubles per year, for a gold card - 3,990 rubles, and for a premium card - 9,990 rubles. Such cards provide many advantages, but we advise you to carefully study the program and calculate your expenses - using such an expensive card only pays off through constant spending.

If you or someone you know took out a loan from Khanty-Mansiysk Bank and still hasn’t paid it off, or has problems with payments, then in the near future there is a very real chance to solve this problem. In connection with the transition to Otkritie, any client of the former KhMB can refinance their loan, lowering the rate and receiving a number of advantages. You can learn more about the refinancing program.

How to use?

Above we described the basic conditions of each credit card; the rate almost always starts at 19.9%, only the annual service fee and various benefits differ. But how can you use the card wisely in order to get the maximum benefit and not end up in debt? Let's talk about several important points.

1. Grace period

   One of your main allies in the fight for minimum interest and overpayments when applying for and using a loan. For almost all Otkritie credit cards, it is 55 days and allows you to use borrowed money absolutely free of charge during this period, thus going “to zero.” You just need to return the entire amount within 55 days, and the grace period will start counting again! Thus, with proper distribution of funds, you can use borrowed money absolutely free, and receive the benefits in full.

   

2. Cashback and bonuses

   Two useful allies in the credit business. Cashback allows you to return part of the money spent back, and various specific bonuses allow you to save on a certain category of goods and services. Be careful - refunds are often different in similar companies. Before purchasing goods or services, we advise you to go online and study this issue. Perhaps there is another company nearby, but their refund will not be the standard 0.5-1%, but as much as 10%! This way you will receive a 10% discount.

   

3. 3 types of cards

   Almost all of the above offers are divided into 3 categories: standard, gold, premium. In addition to changing the design of the “plastic” itself, the amount of refunds, the speed of accumulation of various bonuses, and more are changing. The annual maintenance fee also increases significantly. We advise you to carefully analyze your expenses before choosing your option - perhaps a standard card will be enough for you, but the costs for a “gold” one will not be justified.

   

4. Salary clients

   Like any other bank, Otkritie strives for constant cooperation with clients, and introduces a special department for payroll clients. Salary clients are individuals who receive their earnings directly to a debit card or account in Otkritie. Special conditions for loans apply to them (reduced interest rates, cash withdrawals from any ATM without commission, etc.). If you have been thinking about changing banks for a long time, think about transferring your earnings to an Otkritie card.

   

   A detailed list of benefits can be found on the official Otkritie website.

Bottom line

Today we learned a little more about the Khanty-Mansiysk Bank and found out which credit card from the new credit institution is more suitable. Check back often and stay up to date with the latest offers and news from the financial world!

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