It is hard to imagine the life of a modern business man without a plastic card. Moreover, most successful people who earn by no means small money, along with regular debit cards, also use credit cards, often even a few. Demand for this product today is great among all segments of the population, and interest in it is more than justified. Such cards allow you to always have a stock of free financial resources, regardless of salary, and are very helpful in case of a variety of unforeseen situations, spontaneous purchases. Today there is a rather large list of banks that have very interesting offers in this segment. Among them is the Russian Standard, which has proven itself well over the past few years. More than 25 million Russians today use the card products of this bank. Credit card "Russian Standard" issued in the amount of about 40 million pieces, and this is not the limit. Why is it so attractive for the citizens of our country? How to get it and on what conditions should you expect when submitting an application to the bank? These questions will be answered by this article.
General description of a bank credit card
The conditions and rules for using this kind of product are similar for most banks. But each of them has its own nuances and advantages. What is remarkable about the credit card "Russian Standard"? Firstly, getting it is very simple and often you don’t even need to go to the bank. You can apply online at the site of a credit institution. This will allow you to get money quickly, but to a limited extent. The fact is that the maximum limit on the card is 450 thousand rubles. In order to count on such a considerable amount, you will need, in addition to the standard set (passport and second document), to provide a 2-NDFL certificate, and for this you will still have to visit the Russian Standard Bank.
A large amount of credit cards can also be obtained if you own a real estate or a car. Then you should indicate in the questionnaire and these data. Such clarifications will allow the bank to better assess the financial condition of the borrower and provide a large amount of funds for its use.
The advantages of the card are in its interest-free period, which is 55 days. During this time, you can fully repay the loan amount without paying additional interest to the bank. However, this is not necessary. Money can be used even longer if there is no way to pay off the debt in this limited period. The only condition is to make a minimum payment of 5% of the used credit funds on a monthly basis.
Registration and conditions of the card
To whom and on what conditions is a Russian Standard credit card provided? An application may be submitted by persons who are at least 25 years old (for those who are over 18, there is a special offer) and not older than 65. In this case, you can count on the following offer:
- credit limit up to 450 thousand rubles;
- 0% upon repayment of debts within 55 days;
- 36% when using credit funds for more than 55 days;
- 4.9% for cash withdrawals from ATMs;
- free application and release;
- 600 rubles for annual card service.
In addition, in the case of a positive credit history and with regular use of the card, its limit will constantly increase. Also, the bank charges a small percentage of the balance on the card - 3% per year (a trifle, but nice).
You can keep both credit and own funds on the card (there is no percentage for withdrawing them). You can pay both in Russia and on trips around the world.
Credit Card Types
Next, we will consider a number of the most interesting offers of the bank in the category of credit plastic cards.
Raspberry Card
Depending on your needs, you can choose one of the offered loan products of Russian Standard Bank. A credit card, the terms of which will appeal to lovers of purchases, is Raspberry. In addition to all standard features, it allows you to accumulate bonus points in the amount of 10-15 units for every 100 rubles spent on the card. In the future, they can be exchanged for gifts from the Raspberry special catalog. The program involves a variety of cafes and restaurants, online stores, pharmacies, gas stations, dry cleaners and other services. This card can be a great gift for your beloved woman.
Cash Back Card
There is another attractive credit card "Russian Standard", which allows you to benefit from shopping. It is called Cash Back. Already by the name it is clear that it makes it possible to return part of the funds spent on the card. From the first purchase, this is 10%, and in the future - from 1 to 3% on an increasing basis (depending on the volume of purchases made). Another advantage of this card is the percentage for using credit money, which is 29% against the standard 36%. Agree, an attractive offer.
Blue American Express Card
This product is a real find for those who travel often and care about the safety of their financial assets. What does this Russian Standard credit card offer to its owners? Firstly, the ability to protect your money from fraudulent transactions with coverage (compensation) of up to 10 thousand US dollars. Secondly, legal and medical, as well as baggage insurance during trips both within the country and abroad. Thirdly, the return to the card up to 2% of the funds from purchases made on the card. In addition to all these benefits, another gift is a year of free banking. This will allow especially doubters to check all the features of the product, without spending a single ruble of their own funds. See, you will like this Russian Standard credit card ! Reviews of this product confirm that they continue to use it in subsequent years, despite the cost of maintenance in the amount of 900 rubles. By the way, the percentage for using money is also lower than under standard conditions, and amounts to 29% per annum.
Student Card
Finally we got to the youth product, so desired for the student population. Student credit card "Russian Standard" is intended for people aged 18 to 23 years, studying at universities in full-time and part-time departments. For its registration, you will need to provide a student ID card or a record book to the bank to confirm your status. For young and often non-working (or part-time) students, this product is very attractive. Card service costs only 200 rubles, and they are taken only for the first year of use. There is an interest-free period, and the rate itself is below standard conditions - 29%. In addition, by paying with this card, you can receive attractive bonuses in the form of discounts of up to 30% in various cafes, clubs and other entertainment venues that are in demand among young people.
As for the limit, it is initially set in a small amount. Usually this is 10 thousand rubles, which are regularly renewed in the amount of debt repayment. However, with constant and accurate use of the card, this limit will be increased by the bank if it sees a student’s serious attitude to credit funds. In general, this card is a great way to increase the size of your pocket money and learn how to interact with credit institutions.
Conclusion
Plastic today is a convenient and often profitable wallet replacement. And the Russian Standard credit card is an effective tool that allows you to expand your financial capabilities and use the bank’s money on favorable terms, and in some cases almost for free. The bank offers many options with various conditions and bonuses, which you can choose in accordance with your needs and status. Use credit cards to make your life richer and brighter!