Uralsib credit cards: reviews, registration, conditions, grace period, cash withdrawal

Uralsib Bank began operations in 2005. Today it is in the Top 10 largest financial and credit organizations of the country.

The bank offers its customers more than 15 types of credit cards. Each product is distinguished by discount programs, special offers, annual maintenance costs, bonuses, etc. Uralsib cards are protected as much as possible. A microchip is built into them, the PIN code is available only to the client, each operation is accompanied by an SMS notification, purchases are impossible without one-time passwords (3D-Secure system). So how do you choose the best? Let's try to figure it out.

Lending terms

The bank defines a number of conditions for opening a credit card. Here is some of them:

• The credit card of Uralsib Bank is subject to overdraft. That is, a loan opens in the event of an overspending of personal money.
• Such a card is issued only to the client of the bank. That is, it is necessary to have at least one account in it or to receive wages through Uralsib, etc.
• Interest on Uralsib credit card - up to 28% per annum. They are selected individually in each individual case. For example, if documents confirming income were not provided when opening a credit card, then the maximum rate will be set.
• The credit limit approved by the bank is 500,000 rubles.
• The grace period is most often set at 60 days.
• Uralsib credit cards (this topic is emphasized in the reviews) are issued for three years, but you can use a loan as long as a deposit account is opened.
• A fee will be charged for the operations of transferring funds and issuing cash. Most often, it is 3.9% (but not less than 300 rubles).
• Card maintenance costs an average of 299 rubles. in year. It depends on the class and type of card.
• Almost every card has a compliment bonus program. The points earned give you the opportunity to purchase tickets, book hotels, etc.

Borrower Requirements

Uralsib does not expose any special conditions and rules to the borrower. Standard requirements:

• Russian citizenship.
• Have registration at the place of residence in the region where the card is issued for at least 6 months.
• Age limit of 25 years.
• A borrower who has reached his 60th birthday and does not have life insurance or disability risks, the bank is entitled to suspend the Uralsib credit card (reviews warn about this).
• The borrower must hold the last position for at least three months.

Uralsib Credit Card: Terms and Conditions

A package of documents can be prepared as minimal. It will provide an opportunity to open a loan, but with a high interest rate. If you collect documents at the required maximum, then experts will select the most advantageous offer in each individual case.

To apply for a Uralsib credit card with any of the selected options, you must provide a passport and application form (filled out at the bank). To reduce the rate, you can add a statement from the salary account, a statement of income and a second identity document. This can be a TIN, driver’s license, passport, etc.

Annual interest rate

For all types of credit cards, it is 28%. In some cases, for example, for owners of salary programs, the rate may be reduced. Each package of documents is considered individually.

Validity

Any type of credit card of Uralsib Bank is valid for three years. The agreement with the bank may be prolonged simultaneously with the reissue of the card, subject to the requirements of Uralsib. In addition, any of the loan programs must have a grace period (that is, repayment of debt without interest). Unlike most banks in which the benefit is valid for no more than 55 days, Uralsib provides 60 days.

By the way, the bank makes concessions to customers and makes it possible to replace the card under an outdated lending program with a new Uralsib credit card with a grace period. Denied only to those who have "hitches" in the credit history.

Credit card activation

Any kind of it requires activation. The procedure is simple: any operation in a terminal or ATM requesting a PIN code (it is indicated in a secret envelope issued with the card).

Cash withdrawal

The procedure can be completed at any of the Uralsib ATMs and the terminals of partner banks. These include Mezhtopenergobank, Rosinterbank, Uglemetbank and others.

In any of the terminals, this service will cost from 300 rubles to 3.9% of the issuance amount.

Making payments

According to the bank’s terms, you can pay off the debt in several ways:

• Directly in the office.
• At the Uralsib ATM or any other that supports the cash in function.
• In the terminals of the bank and its partners.
• Transfer from an account from any other financial and credit organization.
• Withdrawal from a salary card.

Repaying the loan, according to the terms of the bank, is possible with any amount, but it should be at least 5% of all debt.

Kinds

The loan products offered by the bank are diverse. Most of them include Infinite / Black edition, Gold, Platinum, Classic / Standard. There are two payment systems: Visa and MasterCard.

Conditionally, bank credit cards are divided into two types:

1. With a grace period.
2. For payroll program participants.

Grace Cards

The choice, according to customers, is more than sufficient. Most popular offers:

• Standard or classic . Includes a familiar set of services. As an incentive, the cash back feature may be added. Annual maintenance and release - from 299 rubles. This type of card is the most popular. It is chosen by customers first acquiring a similar product. Among the advantages can be distinguished non-presentation of income statements (it can be replaced by a driver’s license or passport). As well as a limit of 500,000 rubles., Most banks are more than 300,000 rubles. do not offer. Often mentioned in reviews minus the classic card - non-proliferation of the grace period for cash withdrawals.
• “ The World”, Premier / Optimum . These Uralsib credit cards (reviews are full of gratitude) are intended for travel, including booking tickets, hotels, etc. Issue - 6,000 rubles, annual maintenance - 699 rubles. Card chip - bonus points - compliments. Today compliments are available from World MasterCard ^® All World American Express ^® Optimum All World and others. To obtain this card (obvious advantage), no work experience is required and there are no requirements for customer insurance.
• Lukoil . It works only at Lukoil's gas stations. Issue and maintenance costs 900 rubles. The accumulated points (one point - one ruble discount) can not only be spent on fuel payments at Lukoil gas stations, but also purchased goods in this network. The accrual occurs according to the scheme - 50 rubles - one point at a gas station and 75 rubles per point at other retail outlets. The card even allows the ability to fully pay for the purchase with points, adding one ruble in cash to them. Judging by the reviews, a pleasant advantage of the card is the absence of requirements for customer insurance and work experience.

• Telephone. Bonuses (1 or 2% of the purchase amount) for any purchases are transferred to the payment of the phone. Issue and maintenance - 900 rubles. The card is considered the best tool for saving money on communication and is the most popular. A recognized plus of this loan product is the lack of binding to a particular operator, like similar cards of other banks.
• “A Decent Home for Children,” Standard / Gold . Designed to participate in charity programs organized by the Victoria Foundation. Issue 900 rubles, service - 2,999 rubles. The Bank transfers from its own funds 0.5% of the amount of each purchase made with this card.
• Premium, Gold or Platinum . Additional services and privileges are added to the standard set of services. For example, an insurance policy in the amount of up to 71,000 euros. There is also the possibility of emergency assistance to the card holder (cash withdrawal, replacement of lost plastic, etc.). The card has the option of contactless payment. Issue / service - 2 999/6 000 rubles.

• Premium category highest, Edition, MasterCard Black, VISA Infinite / World . Premium cards are the key to privileges and benefits. Each is serviced personally and has exclusive programs. These cards are intended for discerning customers. And especially for those who often travel abroad. The card is accompanied by insurance coverage of up to 71,000 euros (also valid in Russia), interest-free cash withdrawal is possible abroad (no more than once a week), no payment will be charged for the SMS service. A dedicated telephone line with emergency assistance and much more are organized for the owners of this card.

Priority Pass card allows you to enter VIP lounges regardless of ticket class. There is the possibility of contactless payment. Issue 21 750 rubles, service - 6 000.

VISA Platinum PayWave card is also from a series of privileged ones. The annual service includes several additional services. This is, for example, access to Internet banking, a free “SMS service”, a purchase protection program, an insurance policy with coverage of up to 71,000 rubles, a warranty extension program. As well as a telephone service of legal and medical support, the search for the necessary specialist, the solution of organizational issues and other services.

Cards of the series Visa Infinite card is a special product of the bank. The possibilities are almost endless: from comprehensive family insurance coverage and individual financial solutions to a personal manager in special service areas. The package is the same as the previous card, but insurance is already designed for the whole family and has a coverage of more than 700,000 euros. There is also an innovation - concierge service.

Any of the cards described, as evidenced by the reviews, has hidden fees. Loan payments are calculated by the annuity system (in equal shares).

For payroll program participants

These loan offers are issued by the bank for free. Annual service starts at three hundred rubles (most often it is paid by the employer). The standard term for which the card is issued is three years. The credit limit is limited to 500,000 rubles. It is installed for each client individually and in special cases it can be increased.

Judging by the reviews, Uralsib credit cards of this type are completely satisfied with salary card holders. For monthly payments are debited automatically, and there are no problems with debt. Many customers have access to various bonuses and Internet services.

How to order?

There are two ways to get a bank credit card:

1. Through the Internet, on the official website.
2. Personally contacting one of the bank branches.

The first method is considered the most convenient. On the bank's portal, you need to fill out an online application for a Uralsib credit card, and then wait for a response from the bank. Usually, after three working days, the card can already be picked up at the nearest Uralsib branch.

"Pros and cons"

Any proposal of the bank requires a balanced decision, and opening a loan, even more so. Let us try to highlight the disadvantages and advantages of Uralsib Bank credit cards.

The obvious advantages include:

• Loan terms, uniform and understandable for everyone.
• Online application for a Uralsib credit card.
• Individual interest rate with an increased package of documents.
• The grace period of a Uralsib credit card is five days longer than in other banks.
• The Compliment program, which allows you to receive bonuses for purchases.
• Mobile banking, intuitive Internet service, round-the-clock call center.

There are not many shortcomings, but they are. It:

• limit - only 500,000 rubles;
• a large percentage of cash withdrawals from a Uralsib credit card;
• lending only in domestic currency;
• high cost of issuing and servicing premium cards;
• sky-high interest rates.