OTP Bank card Lightning: conditions for obtaining, reviews. Terms of the credit card OTP Bank "Lightning" - registration, reviews Credit card from the bank lightning conditions
Initially, the card is issued with a credit limit, but the holder can also use it for storage own funds, So how debit card: when storing own funds on the card, OTP charges up to 7% per annum. In addition, customers are waiting for a profitable cashback on all purchases of 1.5%. The offer is maximally available, the card Lightning OTP bank can be issued at the offices of its partners, for example, in any Svyaznoy salon.
Tariffication of Lightning card
One of the attractive points is the free issue and maintenance of the card without any conditions. This applies to the entire period of using the card. Other important points:
- there is a limit on cashing out - you can withdraw no more than 45,000 rubles per day;
- SMS informing costs 79 rubles per month;
- the monthly payment is at least 6% of the debt amount, but not less than 600 rubles;
- there is a grace period for paying interest, it can be up to 55 days.
A credit card, OTP Bank sets a limit for it, which can reach 300,000 rubles. But if you study user reviews, you can come to the conclusion that a small limit is initially approved, not exceeding 10,000-20,000 rubles. In the future, if the client uses the limit without any complaints, OTP Bank quickly increases the limit bar.
Interest rate depends on the type of transaction that the client makes. Excerpt from tariffs:
As you can see, cashing out an account is extremely unprofitable: an increased interest rate is taken for such operations, in addition, the client also pays an additional commission for withdrawing funds from a credit account. The amount of commission for withdrawal of OTP at its ATMs and at ATMs of third-party banks - 2.9% of the amount plus 290 rubles. Cashing out a debit account OTP ATMs is done free of charge.
Important point! If the client uses the card for six months without any complaints, OTP reduces the interest rate to 19.9% per annum (for transactions for payment for goods and services).
Cashback accrual
OTP Bank charges 1.5% cashback for all non-cash purchases of goods and services paid with the Lightning card. For payment transactions utilities bonuses are not awarded. Cashback is calculated from all transactions carried out by the client during the month, except for purchases less than 100 rubles.
You can get a maximum of 2,000 rubles in cashback per month. Accruals are carried out within 14 days of the next month. That is, for December, you will receive bonuses within 14 working days of January.
Why cashback is not credited:
OTP Bank provides for the accrual of a welcome cashback to the Lightning card holder, the amount of which can reach 300 rubles. To receive it, it is necessary to pay for goods or services at the expense of the card within 30 days from the date of issue of the card. credit limit, the amount of the transaction must be more than 2000 rubles. The welcome bonus will be credited along with all other bonus accruals next month.
An increased affiliate cashback of 3% is also provided. By issuing a card from a program partner, you get an increased bonus for purchases made with the card from the same partner.
List of partners:
Additional options
If you use the Lightning card not as a credit card, but as a debit card, you can receive interest on the funds deposited on it. The yield can be 7% per annum - this is a fairly high figure. Excerpt from tariffs:
Please note that 7% per annum is charged only if the minimum balance on the card account for the month was 5,000-200,000 rubles. It is not advisable to keep more than 200,000 rubles of own funds on the card.
For the convenience of customers, on the OTP Bank website, you can find a calculator for the annual yield from using a credit card. The calculator takes into account both cashback and interest on the balance of your own funds. For example, if you store 30,000 rubles on a card during the year and spend 20,000 from it non-cash, then the annual additional income will be 5700 rubles:
Credit card OTP Bank Lightning is a premium product of the Gold type. This means that its holders have access to privileges from the MasterCard system, and these are discounts of up to 30 from partners payment system around the world (details on the MasterCard Big Cities website).
Who and how can get a card
To obtain a card, you do not need to collect certificates, you only need a passport. The offer is valid for citizens from 21 years old to 69 years old inclusive. The applicant must be registered in the region where there are representative offices of OTP Bank. The presence of a place of work and a regular income is a prerequisite, the experience in the current place must be at least 3 months. If the applicant is a retired person, the mandatory employment requirement is waived.
To obtain a credit card, you must contact the Svyaznoy salon. The addresses of stores where cards are issued can be found on a special map on the OTP Bank website.
Regions where the service is provided:
On the spot, an application for the issuance of a card is immediately drawn up, which is sent for consideration. The answer comes within half an hour. If a positive decision is made, the card with the assigned limit is immediately issued to the client. If the issuance is denied, the debit version of the Lightning card cannot be received.
In the future, you can make payments to a credit card on the site OTP transfer with any other bank card. This operation is free of charge. All other methods of replenishing an account and the amount of commission fees can be found on the website of OTP Bank.
OTP Bank is one of the leading Russian banks in the segment consumer lending. Its products are in demand among our fellow citizens. With the Molniya credit card, OTP Bank offers not only a standard list of functions, but also the opportunity to compensate for your expenses.
The owners of this card can not only use financial resources bank, but also to receive additional income. Of the advantages of "Lightning" it should be noted:
- There is no fee for issuing and maintaining the card.
- The presence of an electronic chip, 3D Secure and PayPass technologies.
- Documentary evidence of income is not required.
- Interest-free debt repayment period within 55 days.
- Accrual of interest on the balance of own funds in the amount of 0.1-7% per annum. The maximum rate will be offered to customers who have between 5,000 and 200,000 on their account balance. In all other cases, interest is charged at a rate of 0.1%.
- Profitable bonus program. According to its terms and conditions on the OTP Bank credit card, the client has the opportunity to receive Cash Back on purchases up to 3%. 1.5% of compensation is paid from all non-cash transactions in the amount of more than 100 rubles, made at the expense of credit and own funds.
A client can receive 3% for settlements in the company in which he received a credit card. So the partners of OTP Bank in this bonus program DNS, Lots of Furniture, Leran, Svyaznoy perform. Also, the borrower has the opportunity to receive 300 welcome points. To do this, he needs to pay with a card in the amount of 2000 rubles at the expense of borrowed money within 30 days of receiving the credit card.
And the indisputable advantage is the service in European bank, which pays great attention to the quality of service for its customers and their satisfaction with the products offered.
Procedure for issuing a credit card
You can apply for a Molniya credit card only in Svyaznoy mobile phone stores. To obtain it, it is enough to provide a passport and fill out a questionnaire. If the application is approved, then the client is immediately issued an unnamed card.
Important! There is no possibility to order and apply for an OTP Bank credit card online. It is only necessary to contact the "Connected". Salon addresses can be found on the OTP Bank website.
A citizen of Russia, whose age is from 21 to 69 years old, can issue a Molniya card. Work experience - from three months. The presence of permanent registration in one of the regions of the bank's presence is mandatory.
After the borrower has received a credit card, you need to carefully study the rates again. After that, activate. To do this, just call the bank's call center at free number 8-800-100-55-55 or 0707 (mobile). The employee must provide his passport data and the password specified in the questionnaire when issuing the card. After that, the credit card can be used for payments: withdraw cash from ATMs, pay for purchases on the Internet, retail chains.
It must be remembered that the grace period applies only to non-cash transactions. In order for the overpayment to be zero, it is necessary not to withdraw cash and repay the debt during the grace period in full. In any case, the borrower must pay the minimum payment, which is 6%, but not less than 600 rubles.
All owners of Molniya get free access to their account through the Internet banking system OTP Direct. Here you can see the balance of the debt, the date of payment, the amount of accrued interest.
Attention! It is important to pay on time mandatory payment. If it is missed, then a fine of 20% per annum is charged.
Conditions for borrowers
The credit limit is 300 thousand rubles. But it is calculated personally for each borrower, taking into account his solvency.
The interest rate on the Lightning card is equal to:
- 19.9-34.9% per annum for non-cash transactions;
- 49.9-59.9% per annum for all other transactions, including cash withdrawals;
- the rate of 19.9% per annum is set for customers who timely repaid card debt within six months.
The client's expenses also include payment for SMS banking, the cost of which is 79 rubles per month. No commission is charged for issuing and maintaining the card. You can use the card for payments not only in Russia, but also abroad.
How to withdraw cash?
The Molniya card has a cash withdrawal limit of 45,000 rubles per month.
For cash withdrawals at any ATMs and cash desks, the same commission is charged. It is 3.99% +390 rubles. The commission is debited from the card account and taken into account when forming the debt.
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Do you want to buy an expensive thing, but you don’t have enough money for it now? The OTP Bank credit card can correct the situation. Now this means of payment the bank issues individuals per day. A card can be issued using a passport at a bank branch or remotely.
Conditions for issuing credit cards in OTP Bank
For those wishing to order a credit card from OTP Bank, the following conditions for working with a means of payment apply:
- interest on the loan - 24.90% per annum (the bank has a single rate);
- credit limit on the card - up to a million rubles;
- grace period of crediting - 50 days;
- issue of 5 additional cards;
- free annual maintenance(free cards are offered by many Russian banks).
Also, credit cards allow you to get cashback for large purchases.
All citizens of Russia can receive OTP Bank credit cards. To do this, they just need to submit a request for a credit card on the website of the organization. An online application for such a means of payment can be submitted by you at any convenient time. The bank will review it in an hour. If the application is approved, you will have to come to the branch, choose the design of the means of payment and issue an OTP Bank credit card along with the agreement. The credit card will be active on the day of receipt.
Limit:
up to 300,000 rubles
Bid:
Age:
Service charge:
0 rub. in year
OTP Bank is one of the largest Russian banks in the consumer lending segment. Customers are offered plastic with a limit of up to 300,000 rubles. The main difference from other products of the organization is the accrual of bonus points when making purchases.
Plastic is issued at the office of the organization or with partners, is issued at any service point after production (takes up to 2 weeks). The loan amount is set individually, after studying the questionnaire and the borrower's credit history.
general information
A credit card is characterized by attractive conditions that make the use of the card beneficial for the owner. Plastic is issued by the MasterCard payment system, category - World. Additional options (Priority Pass, Concierge Service, free insurance) are not provided in this category.
The commission for cash withdrawal depends on the chosen tariff plan.
Interest on the balance in the amount of 6.5% is charged on the amount from 5,000 to 200,000 rubles. In other cases, 0.1% per annum is charged.
Credit terms
Credit conditions depend on the reputation of the client and the package of attached documents. The lender provided for a reduction in the interest rate to 19.9% per annum for trustworthy borrowers after 6 months of using a credit card, subject to timely repayment of the debt.
Given the conditions, it is more profitable to use plastic when paying for goods in stores or via the Internet. In this case, the lowest rate applies and bonuses are accrued.
Requirements for clients and documents
On the official website it is indicated that registration is carried out according to the passport. However, the bank may request additional documents(SNILS, TIN, driver's license), as well as a 2-NDFL certificate. Usually proof of income is required if the lender has doubts about solvency or the borrower has a negative credit history.
The presence of outstanding loans and previous delays negatively affect the reputation and complicate obtaining a credit card. We recommend that you go through the CI correction program by contacting the MFI. If time permits, submit a request to Sovcombank for the program "". The passage will take about 3 years. In MFIs, the reputation is corrected within 2-3 months.
Plastic features
The credit card is issued with the owner's name, so there are no problems with paying online or using it abroad. For the convenience of users, the possibility of paying with one touch (Pay Pass) is provided. There is also a chip and Secure Code security technology needed to confirm online transactions.
Plastic is tied in the Google Play mobile application.
According to the terms of the bank, the card is not delivered by courier or mail. For registration and collection, visit the nearest branch. A complete list of branches is listed on the official website of the organization.
Mobile banking and additional services
Internet banking "OTP-Direct" and mobile app available to all card holders. Downloading is free. The application monitors the status of the account, makes payments, transfers, etc.
Despite the absence of a service fee, the SMS-info service is provided for a fee - 79 rubles. monthly.
Penalties and limits
For skipping a payment, the bank charges a penalty of 20% per annum on the amount of the debt. No other penalties are provided. Data on the delay are sent to the BKI on the first day.
The daily limit for cash withdrawal is 45,000 rubles.
Loyalty program
Priceless cities
Owners of Molniya plastic can enjoy discounts of up to 30% under the loyalty program of the MasterCard payment system. PS partners are located all over the world, which allows you to travel profitably.
The Priceless Cities program includes offers from well-known Russian stores (YOOX, The Body Shop, Redken, Rendez-Vous, GUM, etc.). The size of the discount is from 5 to 30%. The number of partners is constantly growing. In addition to discounts, privileges of various levels are available to holders - access to closed theatrical performances, exhibitions, gift tickets to premieres, excursions, etc.
Bonuses and Cash Back
The card provides for the accrual of bonuses. 1 bonus = 1 p. Accrual scheme:
- 300 bonuses* for the first purchase in the amount of 2,000 rubles or more, made within 30 days after the issuance of plastic;
- 3% of the amount when making purchases from bank partners against the credit limit;
- 5% of the amount for purchases from 100 rubles. through their own and loan funds.
*Gift bonuses are provided for making the first purchase at the expense of borrowed funds. If you pay with your own money, no bonuses will be awarded.
The maximum number of bonuses per month is 2,000.
Debt repayment
When using borrowed funds once a month, the bank charges a minimum payment - 6% of the amount, but not less than 600 rubles. The borrower repays the debt no later than the settlement date. It is advisable to deposit money 1-3 days before the due date of payment. making out wire transfer Please note that the duration of enrollment is 5 working days.
Transfer from card to card takes several hours. Commission is not provided. When depositing money through ATMs, crediting is instant.
Advantages and disadvantages
Getting a credit card Lightning has advantages for owners:
- Participation in the bonus program. Points are awarded for each purchase paid for with credit funds. Savings are spent at the partners of the bank. Users also receive discounts and other privileges under the MasterCard Priceless Cities program.
- Free service. Plastic is produced and maintained free of charge throughout the entire period of validity.
- Sufficient limit. Maximum amount- 300,000 rubles. The limit is set based on financial condition client and his rating.
- Interest on the balance. Interest up to 6.5% per annum is charged on the balance of own funds.
- Modern technologies. Plastic is equipped with Secure Code security technology, and also supports contactless Pay Pass payment.
- Simple decoration. A credit card is issued at the bank office or from partners of the organization, according to the passport. Other documents are not requested.
Flaws:
- Operation restrictions. There is a cash withdrawal limit of up to 45,000 rubles per month. There is no limit on payment for purchases.
- High rate for cash withdrawals. The interest rate applicable to the withdrawal of funds is from 45.9% per annum.
- Commission for cashing out the limit. For each operation, a commission is charged from 2.9% + 290 rubles.
- Paid SMS-informing. The cost of the option is 79 rubles. per month.
Information about the issuing bank
is a subsidiary of the Hungarian holding of the same name, which owns 97.90% of the shares. Subdivisions are represented in Moscow and more than 3,700 settlements Russia. The number of private clients of OTP Group totals 11 million people in 9 countries.
In Russia, the history of the bank begins in 1994. Until 2008, the organization was repeatedly renamed and changed shareholders, until the bank bought out the Hungarian concern.
The company's financial rating is high. The bank is in 30th place in terms of net profit with an indicator of 1,983,517,000 rubles, and in 50th place in Russia in terms of own assets (152,675,211,000 rubles). The credit rating assigned by Expert RA is ruA with a stable outlook (moderately high level financial security).
Conclusion
The card is suitable for different categories of borrowers. Due to the accrual of interest on the balance, plastic will be beneficial for wealthy customers. For low-income citizens, there is an approved limit and a minimum payment of 6% of the debt. The loyalty program allows you to save on purchases and earn points. Conditions are standard for this type of lending. Interest is not charged on the debt for 55 days. If you return 100% of the debt within this period, you will not pay a commission to the creditor.
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