OTP Bank JSC is the largest financial organization operating in Central and Eastern Europe.

In Russia OTP branches The Bank provides the domestic consumer with a variety of financial, insurance and investment services.

One of the most relevant products that are especially popular with OTP Bank are credit cards and debit cards.

In order to get acquainted with the list of cards offered for use, you need to go to the official website of OTP Bank.

On the main page of the site will be presented different departments of information, one of which is called "Bank cards"

After moving to the department you are interested in, several more points “Credit” and “Debit” cards open, where all the necessary information regarding OTP Bank bank cards is offered.

The main advantage of the “Home Card”, on which the bank places special emphasis, is cashback, or in other words, the return of money to the account after reproducing the payment in the store.

The amount of cashback is 3% of the total amount of your purchase.

Important! This service works automatically, without connecting additional options and services.

• You pay with a "Home" card in any grocery stores;
• OTP Bank returns money to your account in the amount of 3% of the total cost of products;
• the total refund can reach several thousand rubles per month.

Basic information on the "Home Card" tariff:

1. Amount credit limit is 10,000-300,000 rubles, the amount is determined by OTP Bank on an individual basis.

2. Credit rate for payment of 24.9% per annum (based on the amount of the allocated loan, paid in billing period using the card).

3. For other services, including withdrawal Money from the card, the credit rate is 49.9% per annum.

4. The grace period for interest-free repayment of debt on a loan is 55 days.

5. Upon completion grace period, minimum monthly payment is 5% of the amount of the credit limit ( minimum amount 500 r).

The first year, the card is serviced by the bank free of charge.

But, from the second year, the service becomes paid, the amount of service is 1600 rubles per month (annual service fee is charged once a year on the day the card was activated).

6. Penalty for skipping monthly minimum payment at the end of the grace period - 20% per annum.

"Home card" has excellent functionality, which is convenient to control through a special application "OTPdirect".

• provision of a Russian passport;
• citizenship of the Russian Federation;
• age from 21 to 68 years;

This card can be issued only at OTP Bank branches, where a banking services specialist will help you choose the most favorable conditions for the client.

This credit card is designed for active users of bank cards who like to make purchases through cashless payments.

OTP Bank allows each user of the Lightning card to set up their personal cashback income in the amount of 1.5% from each purchase.

The main advantages of the credit card "Lightning":

A welcome bonus of 300 rubles when making a one-time purchase in excess of 2,000 rubles within 30 days from the date of purchase of the card.

1. Free annual service.

2. 19.9% ​​per annum with timely repayment of debt on the loan for six months.

3. Replenishment through online OTP banking - free of charge;

4. Grace period for interest-free repayment of loan debt is 55 days.

5. Cost control through a special application "OTPdirect".

6. 7% per annum - income on the balance of own funds.

7. Up to 30% discount from partners of the Mastercard program.

Mandatory requirements for the recipient of the card:

• provision of a Russian passport;
• citizenship of the Russian Federation;
• age from 21 to 68 years;
• continuous work experience at the last place of work - 3 months;
• registration on the territory of the Russian Federation and actual residence in the region where the card was issued.

This card can also be issued only at OTP Bank branches in person.

Credit card "Clear"

This card- a special form of concessional lending, for people who are used to making the necessary purchases without waiting for the "best" time.

It allows you to use loan funds card in the absence of any interest from the bank, subject to the timely repayment of the loan debt in accordance with the grace period of 55 days.

Additional benefits of clear credit OTP cards Jar:

1. The card can be used as an electronic wallet to make an online payment in an online store.

2. Loan limit up to 1,500,000 rubles.

3. The interest rate depends on the amount of the loan and the terms of its repayment.

4. All information on your card can be obtained through OTP online banking, OTPdirect service, SMS informing and round-the-clock support of OTP Bank.

5. If you lose your card, you can block it by calling hotline and report the loss.

6. You can withdraw cash from a large number of ATMs around the world, without additional commission.

7. Pay for a product or service anywhere in the world.

When applying for an understandable OTP Bank credit card, it is enough to have a passport with you.
This card is also in NasterCard Gold format for payroll or other OTP clients Jar.

A very convenient option for those who are not sitting still. This card allows you to pay your bills from anywhere in the world. Also, the card has a convenient accumulative functionality.

Basic conditions of the Mastercard Gold card:

• 7.5% per annum on the balance of personal funds on the current account;
• international level payment system Mastercard;
• control of expenses through a special application OTPdirect;
• SMS notification - 59 rubles per month;
• release is free;
• the cost of monthly maintenance - 149 rubles;
• validity period is three years.

The card can be issued to a person who has reached the age of 18 upon presentation of a passport.

Another very convenient option for those who like to travel.

Mastercard Unembossed has the following benefits:

• up to 7% per annum on the balance of personal funds on the dawn of the account;
• price annual service- 588 rubles;
• the cost of issuing a card is 99 rubles;
• card validity period - 3 years,
• SMS informing.

Cost control can be controlled through a special OTPdirect application.

Map World "Happy Time"

This card is an excellent solution for the domestic consumer. Reply to all international standards and does not depend on external economic factors.

The Mir card is convenient not only for payroll clients, but also for pensioners.

Terms of the tariff plan of the World card "Happy time":

• free card issue;
• the validity of the card is 3 years;
• free SMS-informing service;
• free service during a year;
• up to 6% per annum on the balance on a personal account.

Very beneficial for pensioners receiving pension contributions through OTP Bank.

Debit card MasterCard Standart "Youth"

This debit card is an economical solution for students.

Important! Registration is available only for persons from 18 to 25 years old inclusive.

Additional information on tariff plan"Youth" card:

• maintenance of the card during the year is free of charge;
• SMS informing service - 59 rubles per month;
• the validity of the card is 3 years.

Debit card MasterCard Standart "For travelers"

OTP Bank offers a currency card "For travelers", which is designed for making cash transactions abroad.

The main difference of this card is the currency account (dollars/euro).

Additional terms:

• the cost of annual maintenance - 20 $ / 20 €;
• card issuance is free of charge;
• SMS informing service – 2$/2€ monthly;
• the validity of the card is 3 years.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. the federal law dated July 27, 2006 N 152-FZ "On Personal Data" is not violated.

Paper money is gradually becoming a thing of the past, for financial transactions people are increasingly choosing cashless payments. Purchasing goods in online stores, shopping at retail outlets and even paying for travel is one bank card replaces a whole purse today. For both credit and debit cards, each bank defines different tariff conditions and bonuses: service cost, cashback, interest on the balance, cash withdrawal limit and much more. The OTP Bank debit card offers a number of advantages for its owner. We will review the tariff conditions for OTP bank debit cards.

Information about OTP Bank

Russian OTP department The bank is part of an international OTP groups group. She is one of the key representatives financial market European continent. Russian OTP Bank is among the 50 largest banks in the country and has about 4 million customers. There are branches in almost 4 thousand settlements Russia, so finding an ATM is not difficult.

Withdrawal limit by type of debit card

There are two types of OTP Bank debit card: profitable and classic. Using the first, you can receive cash income in the form of interest on the balance of the account. The principle is the same as that of a conventional deposit, but the client always has the money, he can receive it and dispose of it at any time. For the balance of funds on the card of the second type, classic, no interest is charged. Consider the terms of OTP Bank debit cards, four products are offered to customers.

• MasterCard Standard is designed specifically for young people aged 18 to 25. The card is available only for clients of this age category (at the time of applying to the bank). MasterCard Standard allows you to store and use money in rubles, the annual service is free. The limit for withdrawing cash from an OTP bank debit card: up to 50 thousand rubles per day and up to 200 thousand per month.
• For those who love to travel different countries, OTP Bank recommends currency MasterCard Standard. A special condition of the OTP bank debit card is that it can store US dollars or euros. This option will allow you to significantly save on conversion: the money in the account is stored immediately in foreign currency, there is no need to recalculate rubles at the current exchange rate, and also declare them when leaving the country. You can pay with an OTP Bank debit card anywhere in the world. The maintenance fee is $20 or Euro (depending on the chosen currency) per year. Cash withdrawal limit: up to 1,000 USD/EUR per day and up to 6,500 per month.
• Profitable card MasterCard Gold allows you to accumulate up to 7.5% per annum for the balance of the account. In addition to interest on the balance, the owner has access to all the privileges of a gold holder MasterCard cards: discounts and Special offers Worldwide. For example, access to the business lounge of Sheremetyevo Airport or movie tickets. The cost of maintenance is 1788 rubles per year (149 per month). Restriction on cash withdrawal from an OTP Bank debit card: up to 90 thousand rubles per day and up to 500 thousand per month.
• With MasterCard Unembossed, you can earn up to 7% on your account balance. Issue fee - 99 rubles, for a year of service - 588 rubles (democratic 49 per month). The limit for withdrawing cash from an OTP bank debit card: up to 50 thousand rubles per day, up to 300 thousand rubles per month.

The interest on the account balance is determined depending on the smallest amount that was on the card during one calendar month. For amounts up to 30 thousand rubles, only 1% per annum is charged. To get maximum interest rate on the card you need to have 100-200 thousand rubles every month at least. These cards are perfect for those who keep large sums on the card and do not use them for a long time. Cashback on OTP Bank debit cards is not credited.

Conditions for obtaining and requirements for the client

To apply for a debit card at OTP Bank, you only need a passport. Requirements for the client - age from 18 years. You can control the funds on your account free of charge through the OTPdirect Internet bank both from a computer and from a phone - a special application has been developed. For all tariffs, the service of informing via SMS messages is available for 49 rubles per month.

It is impossible to issue an OTP bank debit card online, but on the website you can read more about the tariffs and conditions, find out the address of the nearest branch, and also contact the manager: https://www.otpbank.ru.

Conclusion

Each OTP bank debit card has its own advantages, conditions and cash withdrawal limits, the choice depends on the individual situation of the client. Cards are serviced at all ATMs connected to international systems MasterCard and Visa.

Banking products have taken root in the life of almost every modern person. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before making a specific option, a potential client needs to take into account the main points, which are sometimes quite a lot.

Definition

So, banking organization issues a payment plastic card, intended for settlements at the expense of funds belonging to the client. Their person places on this account independently, the amount that he has.

Debit card Profitable Gold OTP Bank is a piece of plastic measuring 85.6 × 53.98 mm. Some FIs offer to get it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and unnamed instruments are issued various systems(Visa, MasterCard, MIR).

Cards of any type Russian Federation equipped with special chips for data storage. Some of them also have a magnetic strip to match older devices.

How to make a choice

Financial institutions offer a variety of products to potential customers, and it is not so easy to understand such a wide range. What points you should definitely pay attention to:

• cashback;
• interest on the balance;
• the cost of annual maintenance;
• issuing bank;
• methods of depositing and withdrawing cash;
• the amount of commission fees;
• the availability of an overdraft, the conditions for it;
• the ability to create an individual design of plastic.

What are the advantages

Profitable Gold card of OTP Bank is a profitable and convenient tool for paying for everything that its owner needs. This product has many advantages:

• Additional savings due to various options.
• Increased security.
• Convenience of paying for purchases in online stores.
• Even greater privileges for those who choose VIP plastic.
• The ability to receive cash and make payments anywhere in the world.
• Quality and affordable service.

About Usage

To make a payment in a store, it is enough to insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.

In online stores, on the corresponding page, the required details are indicated and, if necessary, enter one-time password from SMS.

Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN, and then follows the prompts of the device or operator.

Parameters for various available products are conveniently displayed on one page. The user sees all the information and can immediately compare them to highlight suitable options. The necessary calculations are carried out on the online calculator, located right there. After completing the search, the site visitor presses the "Online Application" button and proceeds to fill out the form.

A debit bank card is a convenient payment instrument that allows you to carry out a wide range of financial transactions. Its main advantage is that it replaces cash, which is not always convenient and safe to carry around (for example, if you are planning to make a large purchase). In this article, we will consider what types of debit cards are offered by OTP Bank - one of the leaders financial services not only in Russia, but also in Europe.

Types of debit cards

OTP Bank products are very popular among Russians. For your clients financial institution offers to issue several types of plastic. The current conditions and tariffs are considered in the table below:

Name	Currency	The amount of interest charged on the balance of funds	Maintenance cost per month	Peculiarities
MasterCard Gold	Rubles	0.065	149 rubles	For customers who plan to use plastic not only in Russia, but also abroad.
MasterCard Unembossed	Rubles	5,5%	49 rubles	Suitable for those who want to receive income from the deposit without overpaying.
MasterCard Standard in currency	dollars or euros	Not provided	20 dollars or euro	Allows you to make profitable purchases abroad.
MasterCard Standard in rubles	Rubles	Not provided	Not charged	Designed for young people aged 18 to 25 years.
Map World "Happy Time"	Rubles	Not provided	Not charged	The terms of the card are suitable for people of retirement age.

Features and Benefits

Plastic from OTP Bank has many advantages. Among them it is worth noting the following:

• is international, therefore, allows you to carry out income and expenditure transactions abroad;
• you can deposit money into the account through the bank's cash desk or by transfer from another account;
• in order to prevent fraud, bank employees constantly monitor transactions carried out with the card;
• the 3D-Secure service is connected to the plastic, which allows you to make secure payments on the Internet;
• currency conversion occurs automatically at the most favorable rate;
• the bank guarantees its customers the export of funds abroad without delays and bureaucratic procedures;
• Bonuses are accrued for paying for goods and services with a card.

Such a payment instrument is really very convenient and will not let you down in any situation.

It is known that issuing a debit card is much easier than a credit card. This is due to the fact that the client does not need to prove to the bank his solvency and reliability. To apply for plastic, you must visit the OTP branch and write a corresponding application. You only need to have one document with you - a Russian-style passport. It takes an average of 3 days to make plastic, after which you can pick it up at the bank or order home delivery.

Online registration

Not every person can allocate time to visit the bank. Therefore, OTP Bank provides its customers with the opportunity to order a payment instrument online on the official website. To do this, go to the section "Debit and credit cards" and select the item "Application for receipt payment card". The client will be asked to select the type of card and fill out a form, where you will need to specify your full name and contact details.

After sending an online application, a bank employee will call you back to clarify the information, he will also answer all your questions. As in the first case, the plastic will be ready after 3 days.

OTP Bank has developed several types of debit plastic: MasterCard Gold, MasterCard Unembossed, MasterCard Standard in foreign currency, MasterCard Standard in rubles and the Mir card "Happy Time". All of them are distinguished by favorable conditions and tariffs, some have a deposit and free service. Which product to prefer depends on the purpose of use and the individual wishes of each.