VTB 24 ranks third in the TOP 10 banks for issuing credit and debit cards in the Russian Federation. The Bank offers its customers several types of payment instruments. Understanding their functions should be done before opening an account. The product range includes classic, gold, platinum payment instruments and a VTB 24 Privilege debit card . Let's consider them in more detail.
"Classic" cards
All cards of VTB 24 Bank have their own advantages. The classic series is characterized by low cost of maintenance and ease of design. An application for a card can be issued at the office or through the site.
The cost of opening an account and the first quarter of service is 225 rubles. Active users who monthly drive at least 20 thousand rubles. in the account and transfer to the card 75 rubles., service charges in the following months do not produce. All other users must pay 75 rubles quarterly. and another 59 rubles. for SMS alerts.
This category of payment instruments, like the VTB 24 Privilege debit card, is issued in the form of the unnamed Classic and Standard. Additionally, you can order CashBack for 90 rubles. Under the terms of this program, 1% of all purchases will be returned to the account. The maximum amount of return is limited to 5 thousand rubles. Additionally, you can open a savings account and receive 8.5% on the balance.
Just like the VTB 24 Privilege debit card, classic payment instruments allow their holders to use these services absolutely free:
- pay fines, services, arrange bank transfers;
- connect to a remote service (VTB-24 Online);
- connect SMS informing about ongoing operations with the card.
Gold Cards
The cost of servicing a debit Gold card is 1050 rubles per year. At the same time, card holders get these advantages:
- connection of an additional card to the account is free of charge;
- for every 30 rubles. - 1 bonus point;
- quarterly service will cost 350 rubles .;
- one card is connected to three accounts simultaneously;
- funds can be cashed abroad;
- conversion is carried out at the bank rate.
Additional privileges:
- motorists - 3% cashback when paying for goods at gas stations, 1% from other acquisitions;
- amateurs of entertainment - 3% cashback when paying bills in cafes, restaurants and cinemas;
- travelers - a bonus of 2 miles for every spent 35 rubles .; accumulated miles you can pay for the transfer, hotel reservation and ticket.
"Platinum" cards
Customers who wish to receive the maximum number of services can apply for a Platinum card for 3,000 rubles per year and receive such benefits:
- additional connection of 2 cards to the account for free;
- for each spent 25 rubles. 1 point is credited to the bonus account;
- transfers in rubles are issued free of charge online;
- the card is immediately connected to three accounts - ruble, euro and US dollars;
- instant clearance;
- 3% cashback in certain categories (payment of fuel, purchases at restaurants, airline tickets).
VTB 24 Privilege Debit Card
The product line also has a special offer for customers who wish to receive priority service. VTB 24 Privilege card debit is issued in the form of MasterCard Black Edition and Visa Signature. Its holders get the following benefits:
- connection to a multicurrency account;
- cash withdrawal at ATMs at an increased limit;
- discounts on services, goods purchased anywhere in the world;
- Penalty for unauthorized overdrafts - 36.5%;
- balance request at ATMs - 15 rubles. for the operation;
- registration of a Priority Pass card with access to the airport business lounge;
- participation in insurance programs with a coverage of 75 thousand rubles.
The VTB 24 Privilege debit card allows you to use the following bonus products:
- Travelers can draw up a "World Map" and get 4 miles for spent 35 rubles. The latter can be exchanged for hotel reservations or airline tickets.
- Holders of the “Card of impressions” receive 5% cashback when paying for tickets to the theater, cinema and restaurant bills.
- According to the "Autocard" 5% Cash-back at 5% is charged when paying for parking services, gas stations and car services.
The listed advantages are provided by the VTB 24 Privilege debit card. The withdrawal limit is not limited. In "native" ATMs, no commission is charged. When withdrawing funds through terminals of other banks, an additional 1% of the withdrawal amount is charged, min. - 300 rubles.
Common Benefits
Platinum, Gold and Privilege debit cards at VTB 24 Bank allow their holders to receive:
- personal manager service;
- connection of insurance projects;
- special services;
- discounts, special programs.
VTB 24 Privilege card debit: reviews
The “Privilege” service package has already been appreciated by many customers. Firstly, the card is immediately connected to three accounts, which means you don’t have to worry that funds will run out abroad. But even in this case, it will be possible to withdraw cash at any bank branch for free. A good incentive is also the presence of a cashback when paying for all services. Service fees and cash withdrawal fees are the same as in other banks. The only drawback is the high requirements for a free account service:
- monthly minimum balance on the main and additional cards - 350 rubles and 175 rubles .;
- card turnover more than 35 thousand rubles;
- monthly receipt of funds - 40 thousand rubles.
Credit limit
In addition to a debit card, a Privilege credit card can be issued. It is serviced under the following conditions:
- monthly rate - 18% per annum;
- if the conditions of free service are not met, then the monthly commission is 850 rubles .;
- an opportunity to increase a credit line;
- the presence of an interest-free period;
- discount projects, cashback.
A revolving credit line is provided to regular customers at 22% per annum.
Money transaction
Through Internet banking, VTB 24-Online can transfer funds within one bank for free, and to accounts in other organizations with a commission of 0.4%. Transfers in foreign currency are charged at a rate of 0.6%. If the application is submitted at the office of a credit institution, then no transaction fee will be charged within one bank. Transfers to third party accounts are charged at a rate of 0.5-1%, in foreign currency - 0.75%.