More recently, with the growing popularity of AUCHAN hypermarkets, Credit Europe Bank issued a rather interesting card. The card itself is intended directly for payment in Auchan stores. Auchan "Credit Europe Bank" card - pros and cons, advantages over other cards, and how can you get it?

Auchan "Credit Europe Bank" card with bonuses and discounts

Conditions for Auchan bank card

The card itself is issued directly in the international payment system under the status. That is why the card can be used not only in our country, but also abroad: making various purchases, transfers and even withdrawing cash from ATMs.

The card is a credit card and has a fairly large credit limit of 250,000 rubles, which is much more than many banks. Also, in the first 50 days you receive a grace period and can pay on the card without interest. Further, after the grace period expires, the rate will be 27% per annum, which is not so much.

Bonus loyalty program Auchan

The Auchan Credit Europe Bank credit card also has a rather profitable bonus loyalty program. Moreover, bonuses are awarded when paying worldwide, including when purchasing online.

If you make purchases in the Auchan chain of stores, you will receive 1% points or bonuses from the amount. And when purchasing in other stores, the percentage will be 0.8. When you accumulate a certain number of points, you can exchange these bonuses for gift cards from Auchan. 1 bonus is equal to 1 ruble at the loyalty program rate.

Auchan card discount program

The card also includes a discount program that allows you to purchase goods and services at reduced prices. To do this, you need to spend money on the card with the partners of the bank and this program. The full list of partners and stores can be found on the Credit Europe Bank website. The percentage of discounts varies greatly from 3% to 5%.

How to get an Auchan “Credit Europe Bank” card

You must be a citizen of the Russian Federation and have a passport in your hands. Also, if you want to request a limit of more than 140 thousand, then you must have a certificate of income in the second form of personal income tax and work experience of at least 3 months in one organization.

Conclusion

At the moment, this is one of the most profitable credit cards, which, if used correctly, gives you the opportunity to get into the black and win within your means through bonus and discount programs.

Auchan hypermarkets are extremely popular throughout the Russian Federation. Today, when making purchases at a large Auchan retail store, you don’t have to worry about not having enough money to pay for the purchased goods. The retail store offers its customers a card with a credit limit and pays for all products.

The Auchan credit card is an interesting banking product of the Visa payment system, through which a revolving credit line has been opened. Customers can also top up the card and store funds above the credit limit.

Each cardholder receives favorable conditions for both registration and service. Special attention should be paid to the bonus program, with which shopping will bring not only unforgettable pleasure, but also additional profit.

Card Features

Any capable citizen of the Russian Federation, over the age of 21, can receive a card and take advantage of all the privileges. The credit limit is set individually for each client and ranges from 20,000 to 250,000 rubles.

Among the features of a card with a credit limit it is worth highlighting:

• availability of a discount program;
• attractive bonus program.

Discount program for Auchan card

The hypermarket provides all customers who have received a Visa Classic card with a discount from 3% to 10% when paying for goods in partner stores. All partners are listed on the official website of the hypermarket.

Among the major partners it is worth highlighting:

• Adamas - 5% discount on all products using the card;
• Nikko -10% discount on all products using the card;
• 3-15 salon hours - 5% discount on all goods using the card.

Making purchases in such stores using an Auchan credit card is a pleasure.

bonus program

You can pay for goods and services with a credit card not only in the Auchan hypermarket, but also in other shopping centers where international cards are accepted.

All customers will receive a bonus point for each purchase:

• 1% for purchases in Auchan stores;
• 1% when paying in the online store Auchan.ru;
• 0.8% for purchases made using the card in any store, not only in the Russian Federation and abroad. The refund percentage is also maintained for transactions carried out on the World Wide Web.

Terms and interest rates

Everyone knows that before you apply for a card with credit funds, you should carefully study the conditions. It is worth noting that in comparison with other financial products, the Auchan credit card is a profitable product that everyone needs.

The main advantage is the presence of a grace period, during which the lender does not charge interest on the use of borrowed funds and allows the client to return the money in full, without paying interest.

Conditions for the Auchan credit card:

Card conditions	Description
Currency	You can only receive a card in ruble equivalent
Credit limit	The amount of the limit largely depends on the client’s solvency. Banks are ready to provide funds under this program, from 20,000 to 250,000 rubles. For decent customers who actively use the card and make payments on time, the lender may increase the limit
Interest rate	from 27% to 31.5% per year
Grace period	up to 50 days
Validity	The card is issued for 2 years
Loan payment	According to the terms of the loan agreement, the client is obliged to pay at least 3% of the debt amount
Annual card maintenance	from 350 to 470 rubles, depending on the client’s region of residence
SMS notification fee	from 50 rubles, starting from the second month of using the card
% for cash withdrawal	4.5%, but not less than 399 rubles per operation
Internet bank	for free

Documents for registration

To make the card available to a large number of citizens, the bank requests only a minimum package of documents for registration.

To get a profitable credit card and plunge into the world of exciting shopping, you will need:

If you need a card with a minimum limit, up to 50,000 rubles, then it is possible to issue it without a certificate.

Citizens who cannot prove their income, but want a card with a maximum limit, can provide a foreign passport or property documents. In practice, many show the lender the documents for the car.

It turns out that each client can count on receiving an Auchan credit card with just a few documents.

How to get an Auchan credit card

Many customers of the popular hypermarket have heard about the attractive card, but do not know how to get it.

In fact, the procedure is simple and accessible to absolutely everyone. There are two options for card design:

• in person at a bank office or Auchan store;
• through the Internet.

In practice, citizens apply for cards directly in the hypermarket, from a credit specialist. This is very convenient because you can borrow funds and immediately go shopping.

To obtain a card, you will need to prepare the necessary package of documents and fill out an application, which will be provided by an employee of the financial company.

Each client is required to fill out the application form personally.

Let's look at what data you need to provide:

Personal Information	The application will require that you include all personal information without abbreviations, namely: last name, first name and patronymic; date and place of birth; passport details: series and number, by whom and when issued, department code. The application must be filled out correctly. Corrections are not allowed
Registration	In this section of the application, you should indicate your passport registration and actual residential address, if it does not coincide with your registration. To receive a positive answer, be prepared to provide the financial company with information about your place of registration and residence: index; city; street; house, building, building and apartment
Employment	Since the lender issues cards with a credit limit exclusively to officially employed people, you must indicate: name of the employing company; field of activity; position held; work experience; salary amount To obtain a credit limit over 50,000 rubles, you must present a certificate of salary and a copy of your work record book or employment contract.

Give the completed application to the passport officer and wait 10-15 minutes while the application is processed. The card is issued to the client immediately after receiving a positive response and signing the loan agreement.

Online application

Citizens who want to save time can apply for an Auchan credit card online. All the client needs to do is go to the website of the lender or hypermarket and fill out an application. Before you start filling out the application, you will need to gain access to your personal account.

In your application, be prepared to indicate:

• personal data;
• passport information;
• information about work.

In most cases, filling out the application takes no more than 15 minutes. If you make a positive decision, you can receive the card at the nearest bank branch or order delivery by courier. As soon as the card is in hand, all that remains is to activate it. To activate, you should call the toll-free support number and answer all the operator’s questions.

Advantages and disadvantages

The Auchan card with a credit limit is very popular. What is the reason for this demand?

It's all about the advantages of the card:

• permanent revolving credit limit;
• simple design;
• long grace period;
• low cost of annual maintenance;
• minimum terms for consideration of an application;
• registration of a card using two documents.

Every credit card has both advantages and disadvantages.

It is worth noting the disadvantages of the Auchan card:

• cash withdrawal fee;
• limitation on withdrawals from an ATM, no more than 25% of the credit limit;
• overcharge for the SMS notification service.

Video: How to use credit cards correctly

For those who often make purchases on the Auchan network, it will be beneficial to issue a card of the same name, the issuer of which is Credit Europe Bank. Among other convenient services provided to users of this product is Internet banking.

To enter it, you need to register in the system and receive data for your Personal Account. We will tell you later how this can be done.

But first, let us remind our readers that, which is the Auchan card. This is a regular plastic payment card, with an overdraft allowed (i.e., a loan can be issued to its account).

What is it for? To accumulate bonus points that are awarded to the cardholder for any purchases made cashless, including in online stores. The accumulated points can then be exchanged for AUCHAN gift cards, where one bonus is equal to one ruble.

To write an application You can receive it at any of the stores in this chain. Any citizen of the Russian Federation who has a regular income and work experience at the current place of work of at least 4 months can receive it.

Of the required documents for registration, only a passport is declared. However, if you need a credit limit for your card of more than 20,000 rubles, then in this case you will need to present an additional document of your choice.

But let's return to Internet banking. This is a special service that allows you to access your account online, as well as make various transactions, such as transfers and payments.

To enter your Personal Account, You need:

1. Follow this link.
2. If you do not yet have login information, namely a login and password, then you will need to click on the “Registration” link. A form will appear with white empty fields that must be filled out. First you enter your card details (number, PIN code), then your mobile phone. The information necessary to obtain data is sent to his number. Be sure to read the terms of the agreement and check the box.
3. Once you have information about your login and password, you need to enter them using the link provided above. If you are logging in for the first time, the system may give you hints about some sections and available features. You can also change your password to something more convenient for you.
4. If you have already received this information, but you have lost or forgotten it, it does not matter. The same information window under the “Registration” link has another line - “Forgot my password.” After going through it, you can restore the information you need.

In your Personal Account you can track the status of your cash and bonus account.

About additional features, which you can use in the Internet banking of the Auchan card, you can find out by calling the Credit Europe Bank hotline, number: 8-800700-775-7.

If you want to know how to get a loan without refusal? Then go through

The financial company Europe Bank, together with Auchan hypermarkets, has issued a credit card with an allowed overdraft, which is accepted in most stores both in the country and abroad. Additionally, it has a discount system and a bonus loyalty program, which allows you to accumulate points and spend them with partners. So what are the reviews of the Auchan card? And under what conditions does it operate?

The Auchan card is issued jointly with Credit Europe Bank

Lending terms

In addition to the fact that you can receive bonuses from Auchan for this banking product, it also applies favorable lending conditions:

• its owners can count on a credit limit of up to 25 thousand rubles;
• within fifty days the funds can be used free of charge, and only after that interest will be accrued;
• for the use of borrowed funds, the bank client pays 29% per annum;
• Once a year, a fee for using plastic is charged in the amount of only 100 rubles;
• Internet banking is provided completely free of charge for clients of a financial institution;
• Also, borrowed funds can be withdrawn from an ATM in the form of cash - a commission of 4.5% is paid for this, but not less than 399 rubles;

If you decide to activate SMS notifications, the first month of service will be free, and then 50 rubles per month.

Discount and bonus programs

Judging by the reviews, many bank clients apply for a credit card only because of the bonus system, especially if the store is within walking distance or you shop there often.

Loyalty program bonuses are awarded under the following conditions:

• if you make purchases in Auchan hypermarkets or on the website of this company, then you are awarded 1% of the purchase as bonuses;
• if purchases are made at any other retail outlet in the country or abroad, then 0.8% is charged, and even online purchases are taken into account.

Bonuses that have been accumulated thanks to such purchases can again be exchanged for Auchan gift cards, and then make purchases with them. Moreover, 1 bonus will be equal to 1 ruble. The amount of bonus savings can be checked in your personal account.

Additionally, a discount system of 3 to 5% applies to all plastic owners. As well as other incentives in partner stores. These include, for example, Adamas, Nikko, watch salon “3-15”.

Additional services

Auchan credit card

Additional services are available for owners of this product, including:

1. Programs that allow you to insure owners against accidents. “Be Healthy” and “Comfort Plus” were developed by the insurance company MetLife.
2. SMS notification. A message about any transactions that occur with the card is instantly sent to your mobile phone.
3. Internet banking gives you the opportunity to manage your finances remotely;
4. Contactless payment makes it possible to pay for your purchases with just one touch of the terminal.
5. 3D-Secure is a system that allows you to safely pay for your purchases on the Internet.

Any of these services can be applied to your card.

Additional information on the map

For plastic, there is a “Purchase in Installments” program, which is valid only for those purchases made from the bank’s partners. The term of such installment plan, depending on each specific partner, ranges from 2 to 11 months.

How can I apply for a banking product? This can be done at a bank or in one of the Auchan stores. If you live, for example, in Mytishchi, and it is not very convenient for you to get to the hypermarket, you can order the product you have chosen online.

If everything is clear with the opening, then how to close the Auchan card? To do this, you need to contact one of the bank branches or call the hotline 88007007757. Remember that the account will be closed only if it has a positive balance.

Credit card reviews

There are different opinions and reviews about the card, both positive and negative. Here are some positive customer reviews:

“I was glad that I can use both a credit and debit card. That is, I can put money on it and make purchases, or I can use the credit limit. True, there is also a nuance - the grace period begins not from the day of purchase, but from the 1st. That is, if you made a purchase in Auchan, for example, on the 15th, then you will have not 50, but 35 days to repay the loan. But card service is very cheap and, one might say, symbolic. We used this card in several stores, and we received bonuses everywhere. So we are very pleased with this card!”
Lina, Siberia

The card can be issued at a bank or hypermarket

Here is a review from another woman who was satisfied with this product.

“I’ve been wanting to get a card from Auchan for a long time, but my husband kept stopping me - I was afraid that before the New Year I’d spend more than I needed. As a result, I designed it myself during my next visit to the hypermarket. I was captivated by the fact that they formalize it right before your eyes and do it immediately. Now I can spend as much as I need, and also receive bonuses for it. The main thing is not to go over the credit limit and repay the debt on time.”
Nina, Cherepovets

Unfortunately, there are many times more negative reviews than positive ones. And in most cases, they are due to the fact that at the hypermarket checkout they do not inform that the card is a credit product, and not just a way to accumulate bonuses.

“We thought it was just a bonus system, but we quickly realized that it was all a complete scam and nonsense. So it sat on our shelf for almost a year. And a year later, calls began to come in asking why don’t you pay for the service. We began to explain that at the checkout when checking out we were told that the service was free. It turned out that all this was complete nonsense, and wild interest was charged on the debt. Now we’re paying for something unknown.”
Victoria, Moscow

Here is another review from a dissatisfied customer who used this product.

“I, like many others, received this card at the checkout of the Auchan hypermarket. The girl really forced it on me, saying that it was a product of the store. In the end, I agreed - my wallet is full of these cards, one more, one less, what's the difference? At the same time, the seller also begged me to deposit money into my account and pay with it in the store as quickly as possible, but I refused. Then she politely asked me to do it within a month. When I arrived home, I received a message on my phone that I had been connected to SMS notifications. And then I thought about it, because the girl at the checkout said several times that there was no SMS notification or subscription fee, I specifically asked her. I started reading the agreement - it turns out it’s a credit card with its own annual fee. And for it to start working, you need to make your first purchase with the card. That's why they tried to persuade me so much! I had to go to another city, where there is a branch of Europe Bank, to close this ill-fated account.”
Elena, Yeisk.

Many bank clients confirm that they would be happy to use this loan product if only they were not deceived at the checkout. Since the conditions for it, including the subscription fee, are very favorable.