Premium debit cards are a payment instrument with which you can perform familiar banking transactions, as well as gain access to the widest possible range of additional opportunities. At the same time, all banking services are provided at the highest level.

Conditions

Premium cards at RaiffeisenBank are offered in two types:

• MasterCard Platinum and Visa Platinum;
• MasterCard World Black Edition Premium and Visa Platinum Premium.

MasterCard Platinum and Visa Platinum cards provide the following features:

• Free access to SMS notification service;
• Emergency issuance of money in cash if the card is lost abroad;
• Urgent production and re-production of cards;
• Equipping the card with a microchip for increased protection;
• Card support for 3D-Secure security systems.

• Use of a free insurance program from AIG and Cardiff companies. Insurance includes provision of medical care, legal and administrative support, reimbursement of expenses for flight cancellation, damage to luggage and other problems. Insurance coverage is valid 24 hours a day;

Owners of MasterCard World Black Edition Premium and Visa Platinum Premium cards, in addition to the services listed above, are provided with premium services under the “Priority Pass” program:

• Use of first and business class lounges, regardless of ticket level;
• Use of the services of over 600 lounges at international airports in one hundred countries around the world, including first class lounges at Sheremetyevo-2 airport, which has three lounges, Vnukovo, where there is one lounge, and Pulkovo-2, where there are three lounges. Use of the halls is free.

The following tariffs are set for servicing these cards:

Services and operations
Annual maintenance of the main card	Free, the client pays only the cost of servicing the service package, equal to 1,500 rubles per month.
Annual maintenance of an additional card
Limit of transactions during the day	3,000,000 rubles / 100,000 dollars or euros
Limit for cash withdrawals and transfers to other cards during the day	500,000 rubles / 15,000 dollars or euros
Limit for cash withdrawals and transfers to other cards within a month	Is not limited
Commission for withdrawing cash from a bank teller	150 rubles / 5 dollars or euros
Commission for cash withdrawals from ATMs of the Bank and partner companies	0%
Commission for cash withdrawals at branches and ATMs of third-party banks	100 rubles / 3 dollars or euros
Commission for transfers between RaiffeisenBank cards	0%
Commission for transfers to cards of other banks	1.5% of the transaction amount, but not less than 100 rubles / 3 dollars or euros
Urgent card production and receipt of a PIN code (in Moscow)	For free
Commission for re-issuing a card after expiration	For free
Emergency cash withdrawal abroad in case of card loss	For free
Fee for using the “SMS notifications” service for the main card (monthly)	For free
Fee for using the “SMS notifications” service for an additional card (monthly)	For free
Commission for transactions in a currency other than the account currency	1% of the transaction amount
Blocking the card in case of loss	For free
Payment for services from a card	No commission

Any client who has reached 14 years of age and has presented a passport and has sufficient solvency to pay for card services can receive a debit card.

Competitors

Platinum cards of the international payment systems “Visa” and “MasterCard” are offered by most credit institutions in Russia. The most famous of them are Sberbank of Russia, Alfa Bank, VTB24 Bank and Rosselkhozbank.

Issued for 1-3 years. An account can be opened in rubles, dollars or euros. The cost of service is 10,000 rubles, 300 dollars or euros for basic cards and 2,500 rubles, 75 dollars or euros for additional ones. Payment instruments are issued and reissued, including ahead of schedule, without commission, PIN-CD is replaced free of charge, and if the card is lost, money is issued in cash without commission. There is a daily cash withdrawal limit of RUB 1,000,000 or equivalent. If the limit is exceeded, a fee of 0.5% of the amount debited will be charged. If a client withdraws money from branches or ATMs of other banks, a commission of 1% of the transaction amount is charged. The monthly cash withdrawal limit is RUB 50,000,000 or equivalent. If expenses from the card account exceed the balance, a fine of 40% per annum is charged. Owners of cards of this type can use a concierge service, a dedicated telephone line when contacting the Bank, separate service premises, cash in the amount of up to $5,000 if the card is lost abroad, legal and medical support for the cardholder and his relatives.

Available under the “Comfort” and “Maximum” tariff plans. The cost of servicing these payment instruments is 499 rubles per month with an account balance of up to 600,000 rubles, 20,000 dollars or 16,000 euros and free of charge with a balance exceeding the specified amount under the Comfort tariff plan and 3,000 rubles per month with a balance of account in the amount of up to 1,500,000 rubles, 50,000 dollars or 40,000 euros and free of charge if the balance exceeds the specified amount in accordance with the “Maximum” tariff plan. Cardholders can use a dedicated telephone line when contacting the Bank, service from the most professional employees when resolving their issues, discount programs and special offers provided by the Bank's trading and service partner organizations, a service for insuring purchases paid for by card against the risks of their loss due to loss or theft (insurance period is 90 days), medical assistance and legal support (for holders of Visa payment system cards) and other benefits and privileges within the framework of the Visa Premium and MasterCard Favorites programs.

VTB24 Bank issues platinum cards for a period of 1-3 years. Maintenance costs 30,000 rubles or the equivalent for a year. You can order up to five additional cards; they are serviced for 10,000 rubles per year. Money is withdrawn from the account at branches and ATMs of the Bank without commission, at branches and ATMs of other credit institutions - with a commission of 1% of the withdrawn amount, but not less than 100 rubles. There is a fee of 15 rubles for requesting a balance at ATMs of other banks. A written application from the client to terminate the card is processed for 2,500 rubles. If a card is lost or damaged, it is replaced for 5,000 rubles for main cards and 2,500 rubles for additional ones. The same tariffs are used when changing the PIN code. The spending limit on the card is 1,000,000 rubles daily and 3,000,000 rubles monthly or the equivalent. If the client's expenses exceed the balance, a penalty of 50% per annum is charged.

Payment systems "Visa" and "MasterCard". The list of services and opportunities is similar to all previously reviewed offers from other banks, except for the Priority Pass program. You can order a card in one of two tariff plans – “Personal” and “Capital”. “Personal” provides for opening an account in rubles, dollars or euros, issuing a main card and up to eight additional cards, and “Capital” - up to seven additional cards. Cards are issued for one year. Servicing cards – both basic and additional – costs 7,000 rubles per year or the equivalent. The initial payment when opening a card is 7,000 rubles for the “Personal” plan and 107,000 rubles for the “Capital” plan. On the balance of money in the account, 1% is credited under the “Personal” plan and 1%-5% under the “Capital” plan. You can withdraw cash within the daily limit of 500,000 rubles under the “Personal” plan and 1,000,000 rubles under the “Capital” plan. The PIN code can be replaced for 20 rubles under the “Personal” plan and 50 rubles under the “Capital” plan. If expenses exceed the balance, a penalty of 40% per annum is charged. SMS service is provided for 45 rubles, access to remote services – for 25 rubles. A written statement about the loss of a card is processed for 1,500 rubles.

As you can see, services under the Priority Pass program are not provided when issuing Platinum cards of the listed organizations. This indicates the uniqueness of RaiffeisenBank's products.

Some credit institutions issue cards with opportunities to participate in this program in addition to Gold or Platinum cards. These are, for example, RIA Bank, where when you apply for a Gold MasterCard you can get a Priority Pass card, Moscow Credit Bank, where the Priority Pass card is an additional privilege for holders of Visa Infinite and Visa Platinum cards of this Bank. Their maintenance costs 4,500 rubles per year for basic cards and 3,000 rubles for additional ones. The same range of services is provided as with RaiffeisenBank cards.

At Avangard Bank, the Priority Pass card is issued in addition to the Gold Card, which is issued for three years and provides the opportunity to use discounts under the “MasterCard Priceless Moscow” and “Visa Gold” programs. The card is serviced for 3,000 rubles or the equivalent for a year. The interest rate is 12%-24% per annum. The borrower can be a Russian citizen aged 19 to 58 years, permanently registered in the region where the Bank operates. No proof of income is required. Card servicing is free if you maintain an average monthly amount of at least 20,000 rubles on your account.

A similar opportunity is offered by Bank IBA-Moscow, where the Priority Pass card is issued in addition to the Bank’s Premium cards. The cost of servicing Premium cards is 5,000-6,000 rubles per year, depending on whether they are equipped with a conventional magnetic stripe or a microprocessor. Cards are valid for 2 years.

The MasterCard World Black Edition card is issued by UniCredit Bank as part of the Prime service package. It is serviced for 3,000 rubles monthly in rubles and 5,000 rubles monthly in foreign currency for basic payment instruments and for 4,000 rubles monthly for additional cards. The cards provide a list of services similar to the RaiffeisenBank program, but the Priority Pass program is not one of them.

In most credit institutions, to gain access to premium services at airports, you need to order a card issued jointly with partner airlines - S7 Airlines, Aeroflot, Ural Airlines, UT Air and others. These cards, in addition to an increased level of service, award points for flights, but this is a different category of banking products.

The traditions of banking require the ability not only to communicate with the client, but also to create special conditions for him, individual solutions in the form of special products. In such cases, the principle of mutual benefit works - the bank makes offers to those who bring stable profits or take an active part in the turnover of funds.

RaiffeisenBank has two such service programs with enhanced service - these are two Premium class products.

Premium DIRECT

The Premium DIRECT service system is designed for an active user who is ready to travel a lot, travel on business and constantly resort to various banking instruments from card loans to receiving cash and payments.

The cost of using the Premium Direct program per month is only one and a half thousand rubles, but the terms of service allow you to do without this fee. It is enough to be active in several directions - and the system starts working for free:

• if the balance of use of bank products per month is more than one million rubles;
• if you bring the balance on the use of products to 500 thousand rubles per month and carry out transactions using bank cards for 25 thousand rubles;
• if your monthly transactions using bank cards amount to 75 thousand rubles.

The conditions are not very onerous, but in return you receive premium banking services in the form of:

• five types of premium cards “Visa” and “MasterCard Platinum”;
• three premium credit cards;
• system for accumulating miles when flying with Austrian Airlines;
• the ability to transfer rubles in the Raiffeisen Connect system (Internet banking) or use payment orders;
• insure yourself and family members when traveling on preferential terms;
• enjoy 20% discounts when renting safe deposit boxes.

The bank's information center provides you with a separate support channel with a personal manager. The telephone becomes a convenient means of constant communication with a financial advisor. When traveling, the “Concierge Premium” system becomes an assistant, allowing you to simply order and reserve rooms, tickets, call a taxi and resolve all transport issues.

The client has the opportunity to plan his expenses and forecast his financial situation using banking analytics tools - an important nuance for a business person. RaiffeisenBank provides premium clients with additional offers and individual discounts for other services and privileges when creating deposits.

Premium Banking

Service under the Premium Banking system corresponds to the services of the priority pass category - for privileged clients. The package is paid - its cost per month is five thousand rubles, but the bank provides free use. For this it is enough:

• the total balance of using bank products for one million rubles per month and purchases for 25 thousand rubles using premium Raiffeisen bank cards;
• maintaining a monthly balance of two million rubles per month.

An actively traveling client of the Premium Banking system receives service with privileges:

• the opportunity to use business and first class lounges at airports for free (a total of 700 facilities in one hundred countries around the world, including Moscow airports) with your companions, regardless of the ticket category;
• preferential conditions under the “European Travel Insurance” system with a full range of insurance services and emergency assistance for illnesses, injuries, accidents while traveling with coverage of medical expenses;
• access to the services of the “Concierge Premium” program, which allows you to book and buy air tickets, hotel rooms, use airport meeting services, call an interpreter and other amenities important for the traveler;
• a call back system from the bank anywhere in the world to save money on contacting support;
• use of favorable currency conversion rates via R-Connect (Internet banking);
• the ability to withdraw cash without interest and receive emergency cash if your card is lost in most countries of the world.

Even if you pay a monthly service fee of 5,000 rubles, these offers are the most profitable when traveling. Reviews from RaiffeisenBank clients using these premium packages are generally positive. The bank promptly responds to requests and provides clear explanations on all issues.

Banks offer premium services to clients with large assets and turnover. Its main advantages:

• highly qualified specialists;
• maximum speed;
• "wholesale tariffs";
• access to exclusive banking products;
• pleasant little things in everyday life from numerous bank partners.

Why is Raiffeisenbank Premium interesting? At what speed is cooperation profitable?

Premium Raiffeisen products

The main choice is between two proposals:

• Premium Banking – a range of services that implies close cooperation, joint investment of large sums, which is often the main source of client income;
• Premium Direct – profitable placement of available funds, bonuses for maintaining balance or turnover at a level corresponding to above-average income.

General rules of service:

1. A prerequisite for using the package is the issue of a Raiffeisen bank card. A new account can be opened or an existing one can be used.
2. Each client can only have one package.
3. Maintenance per month is free. Further, the tariffs establish conditions under which there is no commission. They differ between packages.
4. The bank may provide discounts on services.
5. When reconnecting the same complex, the free period does not apply to the current month.

Premium banking

The Raiffeisenbank Premium Banking product line offers a maximum range of services on the most favorable terms for clients with big money.

To gain access to them, you need to subscribe to the Premium 5 service package. The number 5 means the number of free service indicators from which the client chooses.

Conditions

Premium banking from Raiffeisenbank has flexible requirements for being free. For each month, except the first, you need to score 5 points, combining any of the proposed conditions. Any compliance will earn you a point. Their number increases proportionately when fully completed, two-, three-fold or more. Points are not split.

Conditions to choose from per month:

1. balance on accounts in Raiffeisen (balances minus payments received for insurance) 500 thousand rubles;
2. balance of 10 thousand conventional units in foreign currency (euro, dollar, pounds sterling, Swiss francs);
3. the amount of payments for all cards of the package is 50 thousand rubles;
4. salary receipt of 100 thousand rubles;
5. the amount of debt on client loans in Raiffeisen is 3 million rubles.

If there are not enough points collected, at the end of the month a service fee of 5 thousand rubles will be withheld.

Service programs

With the Premium 5 package, clients receive:

• personal manager - a specialist who is familiar with the client’s accounts, history with the bank, interests, and is ready to carry out instructions for banking operations;
• 24/7 support line;
• financial, investment consultations;
• premium range of services for travelers;
• premium service halls in the bank - an opportunity to discuss issues with the manager without the presence of strangers;
• premium concierge service – a team of specialists ready to resolve any organizational issues within the framework of law and ethics;
• discounts from numerous bank partners and payment systems around the world - just show your Raiffeisenbank card.

Financial consulting

The Central Bank included Raiffeisen in the Unified Register of Investment Advisors. The bank's specialists are highly qualified. They are well acquainted with the realities of the Russian market and European investment experience.

An individual approach is used for each premium client, which involves step-by-step work:

• determining a comfortable risk/return ratio;
• development of a financial plan;
• selection of suitable financial instruments;
• timely portfolio optimization.

The financial advisor offers a comprehensive solution using various products from:

• deposits for different periods;
• securities and other exchange-traded instruments;
• lending;
• risk insurance.

Premium Line 24/7

24-hour remote service is available by calling 88007005250. You can:

• obtain information on any banking products, including your own;
• order the amount of cash for withdrawal;
• entrust the execution of banking operations;
• order insurance, certificates.

Comfortable travel

The range of services includes:

• unlimited access to Priority Pass business lounges for the client and all his fellow travelers, however, VIP lounges may have restrictions on the number of persons per Priority Pass;
• extended travel insurance coverage for the whole family;
• free cash withdrawals all over the world; if the currencies of issue and account differ, conversion costs arise;
• favorable currency conversion rates in amounts starting from 300 thousand rubles. or 5 thousand dollars;
• emergency issue abroad without commission up to $5,000;
• a call back, which can be ordered by calling customer support number 84957755221, selecting item 1 in the voice menu, and hanging up.

Privileged banking products and services

Main premium products:

• free servicing of Raiffeisenbank premium cards;
• deposits in rubles at a rate of up to 6.6% per annum, in dollars up to 1.2% per annum;
• savings accounts at a rate of up to 5.5% per annum;
• 17 mutual funds;
• investment life insurance;
• trust management of assets;
• brokerage services;
• a line of insurance products with a high amount of coverage for any insured event (life, health, property, income, paid treatment in any country in the world, etc.);
• consumer loans with a rate of 10.99% per annum;
• non-targeted loan secured by real estate from 11.99%;
• individual rate on a loan for the purchase of real estate.

Premium Direct service package

The cost of servicing the package is 1,500 rubles per month. It is free if at least one of the following conditions is met:

• purchases with cards for 75 thousand rubles. and more per month;
• balance on all accounts in Raiffeisen at the end of the month from 500 thousand rubles. + payment via plastic from 25 thousand per month;
• permanent balance from 1 million rubles;
• receiving a salary into an account in Raiffeisen from 300 thousand per month.

The range of services is a “light” version of Premium banking:

• financial advisor;
• 24/7 Premium Line – telephone support;
• travel risk insurance for the client and his family;
• discounts all over the world from partners.

Among the products in the Raiffeisenbank Premium Direct package the following are available on favorable terms:

• premium plastic;
• deposits;
• savings accounts;
• investment insurance;
• mutual funds;
• insurance programs for various risks;
• loans.

Cards in premium packages

You can get up to 3 main cards, the number of additional ones from Raiffeisen is up to 5 for each main one. Premium banking clients have access to:

• debit, credit platinum Visa Premium;
• credit Visa Platinum Travel Premium Rewards, which allows you to accumulate Travel Miles – iGlobe bonuses;
• debit MasterCard World Black Edition;
• Austrian Airlines WBE credit MasterCard connected to the Miles & More loyalty program.

Free service with the Direct complex:

• debit, credit platinum Visa/MasterCard;
• credit MasterCard World Austrian Airlines (Miles & More);
• premium credit card Visa Platinum Travel Rewards (Travel Miles).

When you disable packages, a fee of 10 thousand rubles/year is charged for servicing each of the listed cards.

The service fee for MasterCard World Buy & Fly is charged on a general basis - 299 rubles / month, but the bank often holds promotions, plastic can be obtained at a more favorable rate.

Terms of use of premium cards of Raiffeisenbank packages

Basic Rules:

• the maximum total amount of expense transactions per day is 6 million rubles;
• daily limit on cash withdrawal is 500 thousand rubles / 10 thousand c.u. for premium cards, 200 thousand rubles / 3 thousand c.u. according to the classics;
• maximum cash receipt per month is 3 million for premium plastic, 1 million for classic;
• for salary clients, the limit for receiving cash per day on classic cards has been increased to 300 thousand rubles / 5 thousand cu, there is no monthly limit for premium cards;
• commission for cashing out from cards in branches is 150 rubles/5 cu. for the operation;
• Raiffeisen ATMs issue no commission;
• for residents of regions outside the Moscow and Leningrad regions, free withdrawal from third-party ATMs is provided, the number of transactions per month for Premium 5 is not limited, for Premium Direct - 2 times;
• Replenishment of premium plastic through Raiffeisen services is always free, according to the classics, the commission is 100 rubles. for amounts up to 10 thousand rubles. through the cash register;
• transfers by card number within the bank without commission, to a third party - 1.5%, minimum 50 rubles/1.5 cu;
• reissue is always free;
• courier delivery 390 RUR/6 USD within Russia, 1000 rubles abroad.

What are the differences between the packages?

Sometimes there is confusion about package names. The bank's website presents the following complexes:

• Premium banking is a set of services on favorable terms for clients who are ready to store millions at Raiffeisenbank and earn money on them.
• Premium 5 is the current name of the Premium banking service package, used in the names of tariffs and service documents.
• Premium – package of Premium banking services, issued before 04/10/2017. Those who entered into an agreement before the specified date are served under the same conditions, including the ability to issue cards under the terms of this package. Premium rates are not available to new customers.
• Premium Direct is a set of products for those who have free money in the range of 2-2.5 million rubles or monthly expenses up to 250 thousand rubles. The package allows you to place funds profitably and receive loans on attractive terms. The set of privileges largely repeats the list of Premium banking, but it does not include by default trust management, brokerage services, and unlimited access to lounges at airports. Cash withdrawal conditions are preferential, but less loyal.

Pros and cons of premium service at Raiffeisenbank

Advantages:

• high reliability - in 2019, second place in the rating of Russian banks according to Forbes;
• there are highly professional investment consultants;
• the bank belongs to the large European group Raiffeisen Bank International, the client’s banking history can positively influence the decision of the group’s financial institutions when applying in Europe;
• unlimited PP.

Flaws:

• interest rates on traditional banking products (deposits, loans, cashback) do not look attractive compared to offers from other banks;
• a small number of branches and ATMs in Russia as a whole;
• up to 3 main cards in packages (more can be issued outside the package).

Review analysis

It is difficult to find reviews on the Internet from satisfied customers who would write that they trusted the bank with 20 million, and it met their expectations. It is unlikely that you will choose a bank for large sums based on reviews on forums.

Such investors keep their thoughts behind the scenes and sometimes publish them in glossy magazines. Not without their participation, Raiffeisen's assets exceeded 1 trillion. rubles, and the bank itself was in second place in the Forbes ranking.

On the forums there are posts from clients who are satisfied with the results of working with the bank on mutual funds.

There are a lot of negative reviews online. Most of them relate to interest rates on deposits and cashback. There are clients with experience of dealing with incompetent employees. Dissatisfaction is caused by the need to wait for a meeting with a manager when applying to an area with premium service, if the meeting is not scheduled in advance (however, the bank warns about the need to pre-agreed a time in large print on the website).

Conclusion

Raiffeisen Bank knows how to make money out of money effectively. It attracts large clients with its range of investment tools, its centuries-old reputation and the fact that it represents a kind of “financial window” to Europe. There are beautiful Alps, attractive real estate and cheap money. Bonuses are disproportionately compared to cashback or deposit rates.

Raiffeisen Bank debit cards are presented in a fairly wide range of classes and additional features. In addition, the institution allows you to sign up for a tariff package that provides more benefits, and sometimes free card services.

Classic cards at Raiffeisen Bank

Raiffeisen's classic debit card comes in two versions: MasterCard Standard and Visa Classic. It is allowed to open an account in any currency and use funds for transfers and payments to individuals and legal entities.

Card features

Raiffeisen allows you to take advantage of discounts from its partners when paying by card, the list of which includes restaurants, shops, and tours. firms and other organizations. Since the product is serviced by international payment systems, it is possible to pay with the card abroad or receive cash with it. In the Internet space, incl. Through remote management services, you can independently conduct banking operations.

Maintenance cost

Servicing this card costs 750 rubles per year. If you apply for additional plastic on one account, then its service will be 600 rubles. Raiffeisen offers to significantly reduce the cost of servicing with a debit card and get additional opportunities by signing up for the Optimal tariff package. Its price is 100 rubles per month, but up to three cards can be issued and used for free, incl. additional.

To use the tariff, one of the following conditions must be met:

• Pay with a card for services and goods worth over 10 thousand rubles per month;
• The average balance per month must exceed 100 thousand rubles.

Limits and tariffs

Limits and commissions for classic cards are within the following limits:

• Receipt and transfers, per day: up to 200 thousand rubles;
• Per month: 1 million rubles;
• Receiving cash from a Raiffeisen ATM: no commission. Through the machines of other banks: 1%+150 rubles;
• For cash deposits, a commission is charged only for amounts up to 10 thousand rubles: 100 rubles. For large amounts - free of charge;
• Transfers to cards of other institutions: 1.5%;
• When conducting transactions abroad: 1.65%.

Gold and Platinum cards - privileges

The Raiffeisen Gold debit card has additional privileges, which are expressed at different points, depending on the type.

Advantages of the Gold card

Master Card Gold Package: 5% cash back on spending at gas stations, free policy for the owner and family members when traveling abroad. Visa Gold Travel: the ability to accumulate miles (1 for every 40 rubles), which can be exchanged for train or air tickets, car rentals, and hotel room reservations.

Conditions of the Gold package

Gold cards are issued upon registration of the Gold service package. Within its framework, you can request up to 5 cards of a similar level. To avoid having to pay for the service, one of the following conditions must be met:

• Carry out non-cash transactions per month for 30 thousand rubles or more;
• The balance should not fall below 300 thousand rubles.

Advantages of the Platinum card

To receive even more privileges, you can apply for a Platinum debit card from Raiffeisen. It is issued when connecting to the Direct tariff package. Platinum MasterCard and Visa Platinum Premium cards are equipped with the following features:

• The limit on daily transactions has been increased to 500 thousand rubles;
• SMS notifications are received free of charge;
• Opportunity to get a free travel insurance policy for yourself and family members;
• If you lose your plastic outside the country, you can get cash urgently;
• Discount for using a bank safe – 20%;
• Separate line for consultation;
• Concierge service.

Platinum card service cost

The fee for using the package is 1,500 rubles per month. It is necessary to maintain a balance at the end of the month in the amount of 1 million rubles, perform expense transactions for 75 thousand rubles or accept into the account from 300 thousand rubles per month. You can also maintain a balance at around 500 thousand rubles, but subject to monthly expenses exceeding 25 thousand rubles.

Registration of plastic takes place at the department if you have a passport. You can order a debit card from Raiffeisen using an online application only as part of the Direct (Platinum) package. The request contains only personal data and contacts. An employee contacts the client and clarifies the registration details.

conclusions

Each type of Raiffeisen Bank debit product will be of interest to a specific client. Thus, travelers will find the Travel card (Classic or Gold) beneficial, as it allows you to accumulate and exchange miles. Frequent restaurant visitors will appreciate the Afisha card, which provides a 10% discount at establishments specified by the client. You can also always give preference to one of the standard options: Classic, Gold, Platinum, each of which has many features and privileges.