Tinkoff Bank offers its customers a wide selection of credit and debit cards. Let us consider in more detail the nuances of these payment systems, and also find out what holders think about them. Reviews on Tinkoff Bank cards are abundant. Among the most popular are the following.
Platinum
According to reviews, the Platinum card of Tinkoff Bank provides customers with a credit limit of up to three hundred thousand rubles. The grace period is fifty-five days. No release fee is charged. The cost of annual maintenance is five hundred and ninety rubles. In addition, a bonus program is provided for this card, within the framework of which points are awarded under the name “Bravo” for non-cash payment of goods and services. With these points for three months you can compensate for the total cost of purchases from program partners in the category of restaurants and train tickets at a one-to-one rate. The advantages of this payment system are the low cost of servicing the card, as well as the fact that upon receipt of the income confirmation is not required. Tinkoff Bank credit card reviews are of interest to many.
All Airlines Card
Its credit limit reaches seven hundred thousand rubles, and the grace period, as in the previous case, is fifty-five days. The fee for the first year of service is charged in the amount of one thousand nine hundred rubles. The All Airlines bonus program accrues miles to its customers for purchases that can later be used to compensate for the cost of any previously purchased tickets through the Internet Bank. The advantages of the card are the loyal requirements for age, as well as the registration of the borrower along with free travel insurance. The reviews on Tinkoff Bank cards confirm this.
All games
The payment tool All Games charges a thousand rubles for maintenance per year. For purchases made with this card, customers are awarded points that can compensate for three months the full cost of goods purchased in various electronics and computer equipment stores. The disadvantage of the card is that its grace period of fifty-five days does not apply to cash withdrawals.
Google play
Google Play Card provides customers with a credit limit of up to seven hundred thousand rubles. Annual maintenance costs one thousand rubles a year. The loyalty program accrues bonuses for its customers for purchases, which can be used to compensate for the cost of purchases on the Google Play portal within three months from the day they were made. According to reviews, the terms and conditions of Tinkoff Bank on credit cards are understandable.
Lamoda
This payment system is a joint program of Tinkoff Bank and the Lamoda online store, thanks to which the accrued bonuses for purchases can be used to pay for services on this site. Within this bonus system, one point is equal to one ruble. Pluses of the card are the loyal requirements for registration of the borrower, as well as a large amount of the credit limit, which is seven hundred thousand rubles.
According to reviews, Tinkoff Bank cards are now very popular.
Debit cards
Among the bank's debit programs, the following products are often used:
- Svyaznoy Club debit card. The cost of annual maintenance of this system is ninety-nine rubles. In the event that the customer’s account for the billing period contains a balance of at least thirty thousand rubles, the card is served free of charge. This debit product is tied to the Svyaznoy-Club bonus program. Thus, the more often various payments are made by the card, the more points are awarded. These points can be used as discounts from partners of the program, which are the Litres online library, the Teremok restaurant chain and others. Tinkoff Bank credit card reviews are discussed below.
- Tinkoff Black Card. The annual maintenance of this debit system costs one hundred and ninety rubles. Under this program, customers are returned up to five percent of the spent purchases in certain categories, which are changed quarterly in your account. The advantages of the card are the low cost of service, the absence of a commission for withdrawing more than three thousand rubles, the provision of interest on the balance, as well as the presence of a cashback system. Reviews about credit cards and interest of Tinkoff Bank are not always positive.
- WWF debit card. With this card, customers take part in saving animals, as part of the spending is allocated to the Foundation’s support programs for rare representatives of flora and fauna, as well as their habitat. When using this system, the bank charges customers interest on the balance of the account. One of the advantages of WWF is the absence of a commission for withdrawing more than three thousand rubles. In addition, with this system you can make instant payments with one touch. This is confirmed by the feedback on the debit card of Tinkoff Bank.
- Map of Ulmart. When paying for purchases with this card, customers will receive a refund of part of the spending in the form of points. In addition, three hundred bonuses for the first purchase are provided as a gift. But not all reviews of Tinkoff Bank debit cards are positive.
- Aliexpress. With this card you can earn points in the amount of two percent of the money spent by making purchases on the Aliexpress website. For any other purchases, customers will be able to return one percent of bonuses. This card also supports instant one-touch payments. In addition, customers are provided with such a service as the availability of complete statistics on accounts, as well as the ability to make any payments and transfers on a computer or phone.
Reviews on Tinkoff Bank cards
In their reviews of the bank’s credit systems, people share that they like the fast delivery of cards when they order. Bank representatives who bring the cards take their time to advise customers if they have any questions. Thus, customers are told about the additional bonus features of the products provided.
People like that, in addition to withdrawing cash from any ATM, at the same time a good percentage is accrued on money that simply lies on the card. At the same time, for the money spent, people are returned an increased cashback for all kinds of promotions, which can be tracked through the mobile application. According to many reviews, it is worth saying that customers are happy with how much can be saved. What other reviews of Tinkoff Bank 2017 credit cards are there?
People who have used the services of the bank for a long time, say that customer service is carried out in accordance with the conditions specified in the contract, which are fully implemented. Thus, as part of the service, interest on the balance on the debit card is honestly accrued. Moreover, the interest provided for accrual is one of the highest in Russia. Thanks to all of the above positive aspects of the bank’s work, clients in their comments write that they are very satisfied with its services and thank for the promptness in resolving any issues that arise.
According to reviews, the terms of the Tinkoff Bank card are often violated. In a series of comments, dissatisfied customers say that they say one thing at the bank, but do something completely different, and they also have to call the operators for a very long time. For example, there are situations when a person gets a credit card at home with a limit that does not match the previously agreed amount. Along with this, the representative may come with an agreement on the interest rate, which also will not meet the previous conditions. In this regard, already experienced customers are advised to carefully check the signed agreement.
Also, experienced customers of the bank are advised to be especially careful when filling out the questionnaire, as there is one nuance in which there are two empty squares at the bottom of the document, which must be checked. After activating the card, customers who do not do this have to additionally pay sixty rubles for SMS notifications every month, as well as another five hundred and ninety for the insurance of the loan provided.
There are many clients who regret having contacted a Tinkoff Bank credit card in general. They write that they had to pay huge fines for late payments, and on the part of bank employees they received only rudeness along with threats. Moreover, in such situations, closing the card is quite difficult. So, if the payment is delayed for ten days, regardless of the reasons for the delay, the client is fined a hundred percent of the monthly payments, which, of course, is a lot.
Thus, there are very different opinions about Tinkoff Bank's credit cards on the Internet that are both positive and negative. Among the main advantages, the following advantages of this payment system are most often called:
- The presence of an interest-free period, which is up to fifty-five days, which means that during this time no interest is charged to customers when they pay with a credit card for any purchases, which, however, does not apply to cash withdrawals.
- Against the background of repayment, the bank regularly increases its credit limit.
- Customers are especially pleased with the availability of bonus points. That is, when a person pays with a card, he receives one point for every hundred rubles spent, which are later deducted from the total debt.
- People also like internet banking. This service is easy to use, in addition, thanks to it you can independently control any card transactions. This is especially convenient for those who live abroad or are unable to contact the bank.
Cons of credit cards
People highlight the following disadvantages:
- The presence of the initial trick associated with the Platinum credit card insurance option of Tinkoff Bank. Reviews on this subject are available. In this regard, people are advised to immediately contact the bank support service after the card is delivered to the client in order to cancel the unnecessary insurance service. Otherwise, a hundred or two to the total amount of debt as a loan insurance will be charged each month, which, of course, is not necessary for anyone.
- Clients are not satisfied with excessively high interest rates.
- When issuing such cards there is always a danger to squander all the money at a time at the first opportunity. But this, however, refers to issues of self-discipline.
Customer reviews of Tinkoff Bank debit cards
In their comments about the debit cards of the bank, people name the many advantages of this payment system, among which the following advantages are most often mentioned:
- Debit cards for depositors are completely free, for their issuance, as well as service, no commission is taken.
- Cash withdrawals are free of charge at absolutely any ATM around the world, provided that at least three thousand rubles are written off.
- You can replenish Tinkoff Bank's debit cards through partner banks, for example, Qiwi, Euroset terminals, mail and so on. This can be done free of charge four times a month.
- The money that is on the card accrues ten percent per annum. And when using a card to pay for purchases in stores or on the Internet, a cashback is made and returned to the account half a percent of all purchases. As for the category of goods with an increased cashback, they change every three months.
- Transfers from the card to any other banks occur without writing off a commission.
- The client has the opportunity to issue additional cards for free. On each card, you can set a limit on cash withdrawals, as well as on the use of the amount per month. In addition, you can allow or prohibit transactions through the Internet. All this is done extremely quickly, in just a couple of minutes via the Internet bank or mobile application. All service software systems are very stable.
- Customers also like the convenience of tracking their spending, in which the card itself calculates how much money in rubles was spent on certain goods. We have provided customer reviews on Tinkoff Bank credit cards.
Disadvantages of debit cards according to customers
Customers also write about the following disadvantages of debit cards:
- Lack of bank offices.
- Many do not like the fact that cashback is at best one percent, and its higher categories are not very popular.
- There is no execution of a written bank deposit agreement, which may carry risks.
- Some are not satisfied that free cash can be withdrawn only from the amount of three thousand rubles.
- Also, many are not happy that the minimum balance for free maintenance is thirty thousand rubles.
- Clients are required to spend at least three thousand rubles a month in order to be charged interest on the balance.
- People do not like the imposed SMS service, which should immediately be abandoned even at the stage of compiling the questionnaire, otherwise you will have to pay an additional forty rubles per month.
- Another disadvantage is that the cashback is not rounded up in favor of the client, for example, from a purchase amount of two hundred ninety-nine rubles, it will be only two rubles, and not 2.9. In addition, with purchases up to one hundred rubles, a cashback is not provided at all.
Today, Tinkoff Bank offers its customers many credit and debit cards. In general, according to most reviews, we can say that customers are satisfied with the quality of the services provided.
The article provides feedback on credit cards and interest rates of Tinkoff Bank.