A credit card is an incredibly convenient tool for cashless payments and receiving money in Moscow and any other city in the Russian Federation. You can use the borrowed funds at your discretion: withdraw cash, pay for any services and goods - without having to provide the bank with detailed information about the purpose of using the loan. Today, credit cards issued by Tinkoff Bank are incredibly popular. TCS is the first banking institution in Russia to completely abandon branches. All transactions and applications are carried out instantly, via the Internet or by phone in Moscow and other regions.

Bank offers

• Credit card TCS bank "Platinum"- a great option for obtaining a loan, suitable for every person. The conditions for obtaining and using a Tinkoff Credit Systems bank credit card are very attractive. The amount of the loan limit reaches three hundred thousand rubles, the interest-free period for using plastic is 55 days, the monthly interest rate is from 6%. For any purchase, bonus points are awarded - 1%, and a bonus of up to 30% of the amount of purchases made by special bank invitations.
• The All Airlines card is an opportunity to fly on vacation from Moscow and other cities for free every year, by any airline. It does not take much time to issue and receive a Tinkoff Bank credit card online. ALL Airlines gives miles from each order: for booking cars and hotels - 10%, for purchasing air tickets - 5%, for any purchases by card - 2%. the bank guarantees the return of their full cost.Additional benefits of the ALL Airlines product:
  • favorable interest rates, 55 days interest-free period;
  • gift 1000 miles upon registration;
  • free insurance for travel around the world.

You can get detailed information about the interest on the credit card of Tinkoff Credit Systems Bank ALL Airlines and other credit cards from CreditZnatok service specialists.

• The Kanobu card provides savings on games, helps to earn bonuses and allows you to win prizes. Detailed information about the credit card: constant drawings of valuable prizes, exchange of accumulated bonuses for purchases in Kanobu, complete account statistics. An online application for a Tinkoff credit card also provides bonuses from partners.
• AFIMALL City card- the opportunity to return in the form of points % of any purchases in restaurants and shops "Afimall" and spend them at the rate of 1 ruble = 1 point. How to use a Tinkoff credit card and ensure yourself the maximum benefit, the employees of the CreditZnatok service will tell you. Terms of accrual of bonus points:
  • for purchases at Afimall City - 5%;
  • for any other purchases - 1%;
  • for orders made with partners - up to 30%.
• eBay credit card - part of the expenses is returned to the account as points that can be spent on further purchases at the auction worth from 1000 rubles. Interest rates on the Tinkoff credit card are incredibly attractive: 5% - for purchases at the auction, 1% - for all other purchases; 10% - bonus for the first purchase. CreditZnatok experts will tell you how to order a Tinkoff credit card online without wasting time and money.
• OneTwoTrip card - bonuses for booking tickets on the OneTwoTrip.com website, without restrictions on places, dates and flights. Bonus for registration - 1000, promotional code in the amount of 1000 rubles.

CreditZnatok will help you get a Tinkoff credit card for any need. Leave a request on our website or contact consultants. You will receive a credit card with the required amount of money in the shortest possible time!

Those who want to get a credit card without confirmation of income and without visiting a bank branch may be interested in the cards offered by Tinkoff Credit Systems (hereinafter referred to as TCS). In this article, we will consider all credit cards of this bank, analyze the conditions for them , as well as requirements for the borrower, and compare these characteristics, the pros and cons of TCS cards with the conditions for credit cards offered by other popular Russian banks.

Tinkoff Platinum and All Airlines

Currently, TCS Bank offers only two card products with a credit limit - Tinkoff Platinum Master Card Platinum and All Airlines Master Card World (also available with a chip). By the names, it is easy to understand that these cards are positioned as premium, while the conditions for obtaining them are very democratic: the borrower does not need to confirm income, the card can only be issued with a passport, and there is no fee for issuing it.

Almost anyone between the ages of 18 and 70 with permanent or temporary registration can get a TCS credit card. At the same time, of course, the bank may consider the application and refuse to issue a loan without informing the potential borrower of the reason for the refusal. Note that the currency of both cards is rubles, and the TCS service tariff plan is made individually for each client.

The grace period for both cards is 55 days, during which no interest is charged per person for using credit money. This is slightly more than the vast majority of banks (usually 50 days). The maximum credit limit for the Tinkoff Platinum card is 300 thousand rubles, for All Airlines - 700 thousand rubles.

For the first and subsequent years of service, Tinkoff Platinum is charged 590 rubles, All Airlines - 1890 rubles. For SMS-informing about incoming and outgoing transactions on both cards, the client will have to fork out for 59 rubles. per month. On both cards, the holder can store his own funds, while the interest on the balance of these funds is not charged.

In addition, TCS Bank offers the possibility of using the Tinkoff Platinum card to repay a loan taken from another bank. To do this, you need to transfer funds from an account opened with another creditor bank to an account in the TCS linked to the Tinkoff Platinum card, after which it will be possible to repay the first loan for free within 90 days.

It is not entirely clear why this option is needed: after all, the cardholder's debt to the first creditor bank does not disappear. Note that the grace period of 55 days does not play any role in this case, since during the 55 days of free use of the loan, interest is not charged only on the money spent on paying for goods and services, so that transfers or credits of any there were amounts on the card, the commission will be charged "on a general basis."

Finally, the interest rate for using credit funds on the card is: for Tinkoff Platinum holders - from 24.9% to 32.9% per annum, for All Airlines holders - from 23.9% to 29.9%. Other conditions for servicing cards are specified in the loan agreement. You can familiarize yourself with the sample agreement on the official website of Tinkoff Credit Systems Bank.

Bonus programs

A Tinkoff credit card is not only a means of payment, but also an opportunity to receive bonuses and discounts from TCS partners: both cards of this bank are tied to bonus programs. So, the holder of the Tinkoff Platinum card for its use is awarded points "Bravo" (like "Thank you from Sberbank") at the rate of 1 point = 1 rub. With these bonuses, the holder can subsequently partially compensate for purchases from program partners.

True, there is a limit on the accrual of bonuses: this is 1% of any purchases paid by the card, and up to 20% for special offers, but not more than 6000 points during the billing period. In addition, the holder must keep in mind that points can be spent only after he has carried out a refund operation for the full cost of the purchase paid by the card through the TCS Internet Bank. The bank on its website does not report whether a commission is charged for such an operation.

In turn, the holder of the Tinkoff Platinum card is awarded bonus miles for using it, which can later be spent on the purchase of railway and air tickets. To do this, the cardholder needs to transfer the accumulated miles in the TCS Internet Bank at the miles exchange rate set by the bank (this information is available on the TCS website). Miles are credited for all purchases paid by the card (at the rate of 1 to 20 miles for every 100 rubles). In addition, upon opening the card, 1000 welcome miles are credited.

Registration process

You can apply on the TCS Bank website by filling out a questionnaire of several pages, or through specialized banking resources (for example, the Banki.ru portal). To apply for a card, only a passport is required, but at the same time, TCS will definitely request a landline phone (if you don’t have your own, you will have to indicate the phone number of one of your relatives or friends).

In addition, when filling out the questionnaire, the bank will ask the applicant to indicate the amount of his income and the amount of rent for the apartment, and will also ask if the applicant has a car and, if so, what brand.

The declared time for making a decision on issuing a card is 2 minutes, but the bank does not specify from what moment the countdown begins. This means that de facto the borrower will have to wait: after all, a lot of time will pass until the TCS specialists receive the application, review it, make a decision and inform the applicant about it.

If the decision to issue a loan (that is, a card) is positive, the borrower receives a card either in his hands from a bank representative who arrives at the address indicated in the application, or by registered mail. To activate this card, you need to call the round-the-clock number indicated on its back and follow the instructions of a bank specialist. The PIN is generated in a strictly confidential mode and is also communicated to the borrower by phone, but without the participation of a bank specialist.

As for closing the card, this can be done only after the full repayment of the debt. Having paid the entire debt (“body” of the loan + interest), the cardholder must contact the TKS Bank contact center with a request to close the card account and follow the instructions of the specialists.

Differences between TCS credit cards and cards of other banks

It should be noted that both TCS cards have competitors. For example, All Airlines' Master Card World has AirBonus Master Card and AirBonus Premium Master Card issued by Avangard Bank. The rate on them ranges from 15% to 24% per annum, the grace period is the classic 50 days, and the size of the credit limit is the same as for TCS cards.

However, miles are credited differently - one for every 30 rubles spent. and for every 7 rubles spent when booking hotels on Booking.com. Other "competitors" of this card are usually tied to the bonus programs of a particular airline (for example, Sberbank has Aeroflot, VTB24 has Transaero, etc.).

As for Tinkoff Platinum Master Card Platinum, its competitor can be called, for example, the Alfa-Bank card "100 days without interest" (Visa Classic or MasterCard Standard, Gold or Platinum). In addition to a huge grace period (100 days credit funds on the card can be used free of charge), Alfa-Bank offers a credit limit of up to 750 thousand rubles. at 18% -19% per annum, as well as discounts up to 30% for 5000 participants of the bonus program.

The annual maintenance of a regular card costs 875 rubles, and you can also keep your own funds on it. True, at the same time, Alfa-Bank has much more severe penalties for delaying the next loan payment and higher commissions for both cashing out money and transferring funds.

If we analyze maps with similar conditions:
- credit limit up to 300-700 thousand rubles;
- no proof of income required;
- registration in the region where the card is received is not required;
- the ability to apply for a card online;
- a decision on the application for issuing a card is made on the day of application;
- availability of bonus programs;
- the ability to store on the card not only borrowed, but also own funds.

It turns out that TCS has two main competing banks - Avangard and Svyaznoy. Their card products are very similar to those offered by Tinkoff Credit Systems - the difference is only in the amount of commissions and interest rates, as well as in service features that can only be found out by reading the loan agreement.

As for Sberbank, the similarity of its credit cards with TCS cards is limited by the presence of the “Thank you from Sberbank” program, the optional registration in the region where the card was issued, and the ability to store personal funds on it along with credit. It is not yet possible to apply online through the Sberbank website, and the package of documents submitted with the application includes a certificate confirming income. As a result, a Sberbank credit card cannot be obtained on the day of application.

Overview of bank credit cards

Bank Tinkoff Credit Systems offers to use a universal banking product - a Tinkoff credit card. With the help of this small piece of plastic with a magnetic stripe, you can carry out almost any financial transaction, from the banal payment for purchases in a store to remote access to a card account through an Internet bank or purchasing goods in online stores.

How to get a Tinkoff Bank credit card

In order to become the owner of a Tinkoff Bank credit card, you can use two methods:

1. A more convenient way is to fill out an online application of Tinkoff Bank for a credit card on the official website, wait for a preliminary decision (according to the bank, the calculation of the preliminary conditions of the loan takes no more than 2 minutes) and, having assessed the volume of the agreed credit limit, agree or refuse receiving a card. If all credit conditions suit you and you agree to receive a Tinkoff Bank credit card, it will be delivered to you at the address specified in the online application at a convenient time. All necessary documents will be signed at the time of delivery.
2. Many potential customers receive an invitation in the mail to go through a preliminary review of a loan application. In addition, residents of those regions in which there is no bank delivery service receive a card by mail. In this case, you fill out all the documents sent, sign them and send them back to the bank together with a photocopy of your passport. After receiving the documents, the bank specialist sends you an SMS notification with a proposal to activate the received card and start using it.

When receiving a Tinkoff Bank card, be sure to check the spelling of your name in Latin. According to the rules of the bank, a discrepancy of no more than 2 characters from the correct spelling is allowed (as in).

How to activate a Tinkoff Bank credit card

Once you have received a Tinkoff Bank credit card, it cannot be used immediately - it must be activated. For this purpose, you will need to call the bank's support service at 8-800-555-7771 (the call is not charged in Russia). Further, using the voice service, following the instructions, you will be able to go through the activation procedure and receive a PIN code. After receiving the PIN code, the card can be used. The last thing you need to do to complete the Tinkoff Bank card activation procedure is to put your personal signature on the back of the card, without which it is considered invalid.

Types of Tinkoff Bank credit cards

Currently, Tinkoff Bank issues 4 types of credit cards targeted at various consumer groups and having original features:

• Tinkoff Platinum credit card- the most popular loan product in the bank. The advantages of this card are the possibility of ordering the card online and the service of free delivery within Russia. The credit limit is limited to 300 thousand rubles (for each client, the limit is calculated individually, based on the information provided and credit history data). All Tinkoff Platinum card holders are provided with a grace period of 55 days to pay off debts on purchases paid for by the card.
• Credit card «All Airlines» is a special product designed for regular travelers. With this card, you accumulate bonus miles with the possibility of redeeming them for an airplane ticket. Moreover, unlike specialized cards of other banks, which, as a rule, enter into an agreement with a particular airline, the All Airlines card accumulates universal miles, with the possibility of exchanging them for ANY ticket. The cost of annual service for this card is 1890 rubles, and the maximum credit limit is 700 thousand rubles. There is also a grace period of 55 days, the possibility of online ordering on the website and free delivery within Russia. A unique feature of the All Airlines card is the provision of free insurance with an insurance amount of 50 thousand US dollars, valid worldwide. Insurance is provided by Renaissance Insurance Group. The risks of loss of luggage, trip cancellation, loss of documents and so on are insured.
• Credit card "Odnoklassniki"- in fact, it is an analogue of the Tinkoff Platinum credit card with advanced features. In particular, when making purchases, OKs are accumulated for use on the Odnoklassniki Internet resource. On the same resource, using a special application, it is possible to create an individual card design (each design takes part in a competition, the winner of which will receive 15 thousand rubles). Otherwise, the terms of service for this credit card are similar to the Tinkoff Platinum credit card.
• Book World Gold Credit Card is a joint product created in cooperation with the World of Books company. It provides preferential conditions for making purchases in the World of Books stores - a 10% discount on each order. In addition, a one-time discount for the first purchase in the amount of 300 rubles is provided. The general conditions for granting loans are similar to the Tinkoff Platinum credit card (limit 300 thousand rubles, 55-day grace period, online order).

Tinkoff Bank is also issuing a Yandex Money universal bank card. This card is issued to the Yandex Money wallet and allows you to use both the funds on the card account and electronic money. You can read more about this Tinkoff Bank card in ours.

Additional services of Tinkoff Bank cards

In addition to the standard services available to all credit card holders, Tinkoff Bank specialists have developed several additional features that significantly increase the usability of Tinkoff Bank cards and allow you to constantly attract new customers. First of all, it is a free and mobile bank, automatically connected to each card. With the help of this service, you can manage your own card account from anywhere, with an Internet connection.

An increased level of security when paying for purchases on the Internet is provided by a specialized service created by Tinkoff Bank specialists. In the process of paying for a purchase using a Tinkoff Bank card, now you need to enter an SMS code that is sent to the mobile phone number specified in the Internet bank or when concluding an agreement. In addition, each online store is checked for registration in the secure shopping system. Thus, you are almost completely protected from fraud on the Internet.

For all credit cards of Tinkoff Bank, with the exception of Tinkoff Platinum, the opportunity to participate in the bonus program from the bank's partners is available. You can get acquainted with special offers in the Internet bank. If you use them, you can return up to 20% of the purchase amount with bonus miles, "OK"s or just rubles.

In 2007, for the first time, a new format bank appeared in Russia, which offered its customers exclusively remote services. The idea was successful and quickly gained popularity among customers who do not want to waste their time in lines.

Now Tinkoff Bank is the only credit institution whose activities are carried out almost entirely online. The bank has only one branch in Moscow and there are no ATMs at all. However, this fact not only does not interfere, but, on the contrary, helps the institution to gain popularity. It is no coincidence that at the end of 2016 the bank was among the best Russian credit institutions.

Today, Tinkoff Bank offers its customers a wide range of products. Each offer is distinguished by comfortable conditions of use and has certain advantages. So, for example, for those who need an additional financial reserve, the bank offers to apply for a Tinkoff Platinum credit card online. The product allows you to pay for goods and services both on the Internet and in regular stores, as well as withdraw cash. The use of the card is available both on the territory of the Russian Federation and abroad.

Let's take a closer look at what a Tinkoff Platinum credit card is, what are the conditions for using plastic, and how to manage a banking offer with maximum benefit for yourself.

How to use the Tinkoff Bank card?

The Tinkoff Platinum card belongs to the premium class, which provides the holder with certain advantages. In particular, for any purchases from the card, the owner is awarded bonuses ranging from 1 to 30%. In this case, 1 point is equal to 1 ruble.

The Platinum card also guarantees the borrower a grace period of up to 55 days. During this period, you can return the debt to the bank without paying interest.

It can also be a nice bonus: for wealthy citizens, it can reach up to 300 thousand rubles. However, the amount of borrowed funds is always determined by the bank for each applicant strictly individually.

However, it is important to understand that not everyone can get plastic of this level. The applicant still has to prove to the bank his reliability and solvency. We will talk about how to apply for a Tinkoff credit card below. In the meantime, let's consider the capabilities of the product and discuss the specifics of its use.

First of all, it is important to understand that the Tinkoff Platinum card is intended for daily use. In particular, plastic supports the following features:

1. Payment by bank transfer in stores or via the Internet.
2. Online debt refund. You can do this using Internet banking or using a mobile application.
3. any banks in Russia. However, it is important to understand that the operation is always carried out with a commission of 290 rubles + 2.9% of the amount received. The specified amount of funds will be withheld each time a loan cashout operation is performed, regardless of which ATM is used. Attention! Third-party banks may charge a separate cash withdrawal percentage. This is also important to consider when choosing a withdrawal terminal.

The Tinkoff Platinum credit card is provided by the bank on the following terms:

1. Free release. The commission for issuing plastic is not provided for by tariffs.
2. Using the card during the year will cost 590 rubles. Each subsequent plastic issued in addition to this account has the same cost.
3. The Platinum card has two different interest rates depending on the type of transaction. For funds spent by non-cash transfer, the bank will charge 19.9 - 29.9 percent per annum. Cash withdrawals are subject to 32.9 - 49.9 percent per annum. If plastic is issued in order to receive money from an ATM, then it is better to take a cash loan from a specialized organization.
4. The amount of the credit limit is determined based on the individual parameters of the borrower. The maximum available loan amount per product is RUB 300,000.
5. The grace period on the card is 55 days. Before you issue a Tinkoff credit card, you should familiarize yourself with the mechanism of its operation. The countdown starts from the date of receipt of the card. For spending, a period of 30 days is determined. Another 25 days are available under the conditions for repayment of the loan. If during the time of return the client pays the full amount of the debt, then no interest is charged. The grace period is renewed every 30 days, provided that the previous debts on the card have already been repaid. In some cases, this rule significantly complicates the use of the card.
6. The amount of the minimum loan payment is not a fixed amount and is determined by the bank based on the client's parameters. However, as a standard, it is no more than 8% of the total debt. You can find out the date of payment by calling the hotline number of the organization 8 800 555-25-50, via SMS notification, by logging into your personal account of the Internet bank or into the mobile application. Similarly, you can get information about the amount of debt.
7. The Tinkoff Platinum card allows the client to deposit funds through any ATM of any bank. In this case, the operation is carried out without a commission. You can also pay the costs through terminals, various electronic systems or mobile phone shops.
8. The Bank provides its customers with two whole SMS-alert services: SMS-info and SMS-Bank. If the first is provided free of charge, then the cost of the second when using the extended package is 59 rubles per month. In any case, when the SMS notification option is enabled, messages about card replenishments, SMS statements and payment reminders are delivered free of charge.

Conditions for obtaining a loan and requirements for the borrower

Before applying for a Tinkoff credit card, you should familiarize yourself with the requirements that the organization declares to be mandatory. They are minimal, therefore, getting plastic is quite simple. However, when applying, it is important to read them carefully.

Here is the basic list:

1. Only clients over the age of 18 can apply for a credit card. The product is available up to and including 70 years of age.
2. The loan offer is valid only for citizens of the Russian Federation. Stateless persons or residents of foreign states cannot apply for a card loan.
3. Formally, permanent or temporary registration is not required to receive a credit card. However, it is better if it is.

Compliance with the conditions listed above will help you to get a Tinkoff Platinum credit card online easily and quickly.

Registration procedure

You can only apply for a loan by submitting an online application. It needs to be done. Filling out the form usually takes no more than 5-10 minutes.

In this case, the applicant will have to provide the credit institution with the following information about himself:

1. Last name, first name and patronymic.
2. Mobile or landline phone number for operational communication.
3. E-mail address.
4. Desired credit limit.
5. Passport data.
6. Address of registration and residence.

A few hours after filling out the questionnaire data, a bank representative will contact the client by phone to confirm the request. After the loan is approved, the user will receive a confirmation to the number indicated in the questionnaire, and the plastic will be sent for release.

After 5-14 days, the courier will deliver the card to the specified address and hand it over to the client personally. At the moment of handing over the envelope with the product, the bank representative will without fail check the information from the questionnaire with the original documents, ask you to sign the contract, and instruct you on how to use the Tinkoff Platinum credit card.

Advantages and disadvantages of the card

Today, Tinkoff Platinum cards are becoming increasingly popular in our country. With proper use and careful observance of the terms of repayment of debts, the product has every chance of becoming very convenient and profitable.

Its positive aspects include:

1. Convenient registration procedure: the ability not to provide documents confirming income.
2. Relatively low interest rate among similar products.
3. Free release.
4. High-quality customer support when contacting the hotline.
5. Thoughtful and intuitive Internet banking.
6. As an additional plus, many holders consider courier delivery of the card to the specified address. The service is provided completely free of charge. At the same time, the client himself chooses a convenient time for a meeting with a bank employee. You can order delivery to your home or work.

The only significant drawback can be considered the absence of branches and ATMs "Tinkoff". For those who prefer to solve problems by personally contacting the office, it is better to choose another bank.

Loyalty programs

At the end of the article, we will talk about how to use the Tinkoff Platinum credit card with profit. Plastic participates in the Bravo bonus program. According to its terms, for each purchase the system automatically awards bonus points, each of which is equal to 1 ruble:

1. 1 point for each write-off from the card;
2. and from 3 to 30 - for payment in partner stores.

You can spend the accumulated points on the purchase of railway tickets or in cafes and restaurants.

Knowing how to use the Tinkoff credit card correctly, you can not only not pay extra money, but also earn on the bonus program.

The Tinkoff Platinum card opens up a whole range of opportunities for the client. Using the product allows not only not to save money for the thing you like, but also to receive various bonuses and privileges. Comfortable Internet banking is perfect for business people. In addition, a remote support system has been thought out and implemented for customers.

Would you like to know more about a credit card from Tinkoff Bank, in particular - what interest rates are offered, what do they write in reviews about it, is it worth opening? We will answer all these questions below.

What credit cards are available at Tinkoff Bank?

Many of our readers mistakenly believe that this banking institution has only one credit card, which is issued to everyone. However, this is a highly incorrect assumption. Indeed, only one program, Platinum, is the most popular, but in addition to it, there are also several other, no less profitable offers.

In particular, the following card products will be available to you:

1. Platinum - limit up to 300,000 rubles, rate from 12%, maintenance 590 rubles. annually,
2. All Airlines is a great deal for travelers who earn points for every purchase. These points can then be exchanged for a discount when buying air tickets. The rate is from 17% per annum, the limit is increased - up to 500 thousand,
3. All Airlines Black Edition is a similar offer, but already of premium quality. The owner will have access to the maximum limit of up to 2 million rubles, a reduced rate of 12% per year, as well as the widest range of travel opportunities and privileges;
4. S7 and S7 Black Edition are similar programs that apply exclusively to purchases with discounts at S7 Airlines. The premium product has a credit line of up to 1.5 million rubles. and a small percentage of 12%;
5. Azbuka Vkusa and Azbuka Vkusa Black - this card is suitable for people who often buy in this supermarket chain, want to participate in the bonus program, take part in private events, receive gifts, etc.;
6. AliExpress, eBay, Lamoda, Perekrestok - operate on the same principle, offering their owner participation in the bonus program for purchases. For accrued bonuses, they then give a significant discount on the next purchases;
7. WWF is a product for those who want to do charity work. The bank transfers 1% of the amount of purchases to WWF. The carrier itself is made from renewable, environmentally friendly materials that will not harm the environment.

Conditions for obtaining a credit card

To begin with, we will discuss the basic information from the tariffs that apply to a platinum credit card from TKS Bank. It should be noted that at the end of 2018, information appeared that more than 4 million Russians already own such a product.

Apply for a loan now
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Of the pluses can be noted:

• Quick consideration of the application (no more than 2 hours);
• Registration without certificates of income and employment, only passport data is needed;
• No need to visit a bank branch, the whole process from submitting an application to receiving a bank decision takes place via the Internet;
• The card is delivered to your home or office within 7 days from the date of approval of the application.

• Interest rate - from 12 to 29.9% per annum for non-cash purchases;
• For cash withdrawals, the rate is from 30 to 49.9% per annum plus a commission of 2.9% of the withdrawal amount + 290 rubles;
• The credit limit can be from 10 thousand to 300 thousand rubles;
• Every month you need to make a minimum payment of at least 8% of the debt amount + accrued interest;
• A grace period of up to 55 days applies to non-cash purchases;
• Loan repayment is free of charge through the bank's partner network;
• Each client for any purchase on the card receives bonus points (1% of the purchase amount), which can be exchanged for a discount when buying railway tickets and paying a check in a restaurant;
• Internet banking, Mobile banking and SMS informing - free of charge;
• If you want to track all debit transactions on the card, you will need to pay 59 rubles per month for the SMS bank service;
• The amount of annual maintenance - 590 rubles;
• In addition, insurance is paid monthly.

Installment card

Not so long ago, TCS-bank credit cards had the opportunity to pay for purchases in installments. This possibility is supported by the owners of all cards of this bank, including Tinkoff Platinum.

How it works? You make a purchase using credit funds in certain stores that are partners of the bank, and then return them during the grace period in annuity (identical) payments, which are calculated very simply: the installment period is divided by the amount of the debt, the amount received must be paid monthly.

You can do more, but not less. If you meet the deadline, you will not have to overpay. The maximum period is 365 days, but it is always determined individually by each store.

How to buy in installments? You need to view the list of stores on the TCS Bank website that allow you to pay for purchases in this way. Read the conditions carefully - what are the minimum amounts and maximum terms, some stores give installments only when paying online, this must be taken into account.

• In your mobile application, go to the "More" section, for this you need to click on the 3 dots in the bottom panel. Next, look for the "Bonuses" tab, then "Special Offers" and after "Installments". If you log in through a PC, then in your personal account, find the "Bonuses" section and select the "Installment" option.
• Next, select a suitable offer and read its terms.
• Click on the "Activate" button.
• Spend credit funds on the purchase.

Who can use a credit card from Tinkoff Bank?

This credit card option is perfect for those who value their time and effort. All you need is to allocate 15 minutes to fill out the questionnaire on the official website of TCS-bank, and if it is approved, agree with a specialist by phone on the conditions for obtaining and using the card.

The contract will be brought to you by a courier to your home or office, signing will not take much time. He will only need a passport, no additional certificates need to be presented.

This loan product is ideal if you want to have a little extra cash in case you don't have enough of your own savings to buy something important. The card has a grace period of up to 50 days, during which you will not be charged interest for using the loan.

If you return the amount spent within this period, you will not have to overpay anything! Important: for the grace period to work, you need to pay with a card without cash, large commissions are charged for withdrawing money, plus the benefit is removed.

Reviews about Tinkoff Bank cards

On many sites, in reviews of Tinkoff Bank, you can see a lot of negative information that the company allegedly drives people into a debt hole, that it is very difficult to pay off a loan, and similar statements. However, there is a very important point here: each person independently decides to receive a card, reads the contract himself and signs it with his own hand, agreeing to all the conditions of the bank, no one forces him.

In other words: if you signed an agreement, then you are obliged to comply with its terms, if something is not clear, you can always check with the employee by phone all the points that interest you. And if you used the loan, but do not want to return it, then you should not be surprised at the accrued fines and penalties, large payments and calls from the security service.

For some reason, many people forget that a bank is not a charitable organization that gives people loans for free. If you have issued a loan, you are obliged to repay it exactly within the agreed timeframe on previously known conditions, no one will forgive your debts, and fines will be charged for delay.

What to do if for some important reason you cannot make the next payment? Simply stopping paying is not an option, thereby ruining your reputation and increasing your debt.

What should you remember before applying for a credit card?

Before applying for a credit card, you should think several times about whether you know how to draw up and plan your budget, whether you have sufficient income to repay the loan, whether the conditions written in the contract suit you.

And only if you carefully read the conditions, agreed to them and firmly believe that you are able to pay the loans, you should apply. And if you received a card, used borrowed funds, then do not forget to make a monthly payment on time, at least.

Remember that the bank provides more loyal conditions for regular customers. Unfortunately, the percentage will not be reduced for you, but the available amount can be increased if you actively use your limit.

Please note that this product is beneficial only for paying for purchases with a card, it is unprofitable to withdraw cash from it! With such an operation, there is no grace period, i.e. the percentage begins to act immediately, and a fairly tangible commission is also charged.

How to get a card at Tinkoff Bank?

Everything is very simple - you need 15 minutes of free time, a passport at hand and access to the Internet. TCS-Bank does not have its own branches, and therefore filling out the questionnaire for obtaining a credit card takes place remotely, i.e. through the Internet.

You need:

• Go to the official website of the company at the link tinkoff.ru,
• Select the "Credit Cards" section,
• Familiarize yourself with the available options, click on the name of the program that you like best,
• A new page will open with a full description of the product. Be sure to open the "Tariffs" tab to know what conditions you should count on,
• If everything suits you, then click on the "Issue a credit card" button,
• Carefully fill in all required fields in the application form, especially passport and contact details. Write only true information
this link. If you have a bad credit history, and banks refuse you, then you definitely need to read this. If you just want to apply for a loan on favorable terms, then click here.
If you want to apply for a credit card, then follow this link. Look for other posts on this topic.