Tinkoff Bank Joint Stock Company is a financial company that specializes in remote servicing. The first and only banking institution operating without its own banking terminals and offices. The key areas of the organization when working with individuals are Tinkoff Platinum debit and credit cards.
Tinkoff Platinum Credit Card
Tinkoff Platinum credit card is a classic financial product with a grace period. It is convenient to use every day.
Tinkoff Platinum Credit Card - conditions:
- The interest-free period is 55 days.
- The maximum limit in rubles is 300 thousand.
- Monthly payment - 8% of the amount spent, but not less than 600 rubles.
- Annual maintenance of the main / additional credit card - 590 rubles each.
- Participation in the insurance program - 0.89% of the amount owed.
- SMS notification - 59 rubles every month.
Step-by-step instructions for obtaining a credit card
You do not know how to issue Tinkoff Platinum? To get it, you need to perform a few simple steps:
- Fill out and send an application on the official portal of the bank (passport information will be required).
- Wait for a decision that is made in a few minutes. The applicant may be called from the bank if there are additional questions.
- If the decision is positive, the card will be delivered by the bank employee at a convenient place and time. Delivery is carried out within one week.
The credit card is transferred to the client in an inactive state, that is, you cannot pay for goods and services, nor can you withdraw cash from it. In order to activate an account, you need:
- Call the hotline number or do it on the site.
- After activation, you need to save the PIN code.
- Put a signature on the "plastic".
Now the card is ready to go.
Bonus program "Tinkoff Platinum"
All credit card holders participate in a special program and receive bonuses for purchases. The higher the check amount, the more points are returned to the account. Accumulated points can compensate for purchases from the categories: cafes / restaurants and railway tickets.
Bonuses “Bravo”:
- For each payment with a Tinkoff Platinum card, the percentage is returned to the account.
- From 3-30% for special offers that can be set up in your personal online banking account.
Interest free period
The grace / interest-free period is the period during which it is required to pay the amount of the debt so as not to overpay interest on the use of borrowed funds. For a Tinkoff Platinum credit card, this period is 55 days.
The countdown of the interest-free period does not begin from the day of spending the funds from the card account, but from the moment of receiving the next monthly statement. For example, if a client received it on May 11, then the grace period will be valid until July 4 (55 days). The monthly period from May 11 to June 11 is provided for spending funds from a credit account, from June 11 to July 3 - for debt repayment.
120-day credit card Tinkoff Platinum: conditions
This is the same credit card with a credit limit, but with an extended interest-free period. Only a novice will be able to issue it, that is, the client who does not yet have a credit card at Tinkoff Bank. You can get a card in a similar way:
- To the Tinkoff Platinum card, an online application is registered on the official website.
- After approval, the bank employee brings the card to the applicant.
- To activate an account, you need to call the hotline.
- If you need to transfer funds to a card of another bank, then inform the operator about the desire to activate the service - balance transfer.
- Dictate to the manager the number of the card to which the funds should be transferred.
After the operation is completed, the owners of the Tinkoff Platinum card have 120 days to deposit funds to pay off the debt when interest will not be charged.
Free Tinkoff Platinum Services
Gratuitous services provided by the bank:
- Depositing money to the card through partners of the bank (to close the debt).
- Internet banking.
- Mobile banking.
- Information about the operations performed.
- SMS notification about account replenishment, reminder of the next payment, etc.
- Monthly account statement (by email or letter).
Fines and commissions
The Tinkoff Platinum card has the following terms of use:
1. Penalty for non-payment of the minimum payment in rubles:
- The first month is 590.
- The second month in a row - 590 + 1% of the amount owed.
- Further - 590 + 2% of the amount of debt.
2. Forfeit for late payment of the minimum payment - 19% per annum.
3. Commission for cashing out funds - 290 + 2.9%.
4. Payment for spending funds above the established credit limit is 390.
Interest
The interest rate on a Tinkoff Platinum credit card varies and depends on the operation made using a credit card:
1. Payment for purchases:
- 0% during the grace period;
- From 19.9 to 29.9% per annum after the grace period, subject to the timely payment of the minimum payment.
- From 32.9–49.9 per annum after an interest-free period and non-payment of the minimum payment.
2. With a Tinkoff Platinum card, cash withdrawals are 32.9–49.9% per annum.
3. Commissions for other actions - 32.9–49.9% per annum.
How to deposit funds to the card
The direction of Tinkoff Bank is remote work with clients. In addition to the fact that the organization does not have its own offices, they also do not have ATMs. But this is not a problem for closing credit card debt, because the organization has a whole network of partners, which includes 350 thousand payment points with the possibility of depositing money.
The simplest option to recharge a Tinkoff Platinum card (according to reviews) is a debit card of this or any other bank. In addition, it is possible to replenish the account by bank transfer or by depositing cash through payment terminals. All these methods do not imply payment of a bank commission, but in some cases it will be necessary to pay a partner, therefore, in order to save money, it is worth examining the conditions before the operation.
In addition, do not forget about the timing of crediting money. Transferring from one card to another or depositing funds through the terminal is usually done in a few minutes, but a bank transfer can take several days. This circumstance should be taken into account in order to prevent late payment.
Card financial transactions
The procedure for transferring funds to a bank card with a Tinkoff Platinum credit limit can be performed in different ways:
- Bank transaction. Before sending money in this way, you need to make sure that the selected financial institution does not charge a transaction fee and is really a Tinkoff partner of the bank. There are companies that charge fees, but do so purely symbolically. For example, Avangard Bank charges 10 rubles for a bank transfer, regardless of the amount.
- Transfer from a card of another bank. Tinkoff Bank itself does not charge a commission for such a procedure, but the other party may charge a fee for the service. This point should be clarified before sending money. When sending funds from a Tinkoff debit card to a credit operation, it is executed instantly and without any fees. Internet banking has a separate module for conducting transfers.
- Transfer through partner banks. The full list of partners is published on the official website of the organization, in the Internet bank, as well as in the mobile application. Transfer fees are most often not charged, but there are exceptions. For the operation, it is necessary to provide a loan agreement number, sometimes a passport is required.
In addition, you can transfer funds to any other from a Tinkoff Platinum credit card, but you will need to pay a fee of 2.9% of the transfer amount plus 290 rubles for the transaction. Since the interest-free period extends solely to payment for purchases, then interest on spending credit funds will be accrued.
How to find out the balance
You can get information about the credit balance in the account in different ways:
- Through online banking. This is the fastest and easiest way. Data is updated in real time, so any errors are excluded.
- By customer support number 880055510101. This method is convenient to use when there is no Internet at hand. The operator will ask several questions for identification, after which he will tell you in detail about the status of your account.
- By sending an SMS message to number 2273 (MTS, Megafon and Beeline). After sending a message with the text “Balance” and the last four digits of the bank card number, information about the account will be received.
- Through the mobile phone application. As fast and convenient as Internet banking, Internet is required.
Credit card reissue
A month before the expiration of the bank card, the bank automatically issues a new one. It is also brought to the client by a bank employee by prior arrangement. Relocation is not performed in two cases:
- When a customer has overdue credit account debt.
- If the owner has not used the card for a long time and has not taken any action on it.
If it was lost or stolen, then you can re-open the Tinkoff Platinum card early. To do this, call the toll-free number 88005551010 and report on the reason for which a reissue is required. After receiving the application, the client will receive a new one in the shortest possible time.
How to close a card
To close the Tinkoff Platinum credit card, several steps are required:
- Pay off debts to the bank and pay all fees. It is necessary to call the customer support service of the bank. After passing the identification, the dispatcher will say the exact amount payable for the current month. Be sure to ask the bank employee to turn off the SMS banking service, because a monthly fee is charged for it every month. Check with the operator if this amount is full for the calculation, and whether interest will be accrued on it in the next month. Once all debts have been closed for credit, you should block your credit card if you do not intend to use it in the future. In case of overpayment to the bank, this amount can be requested to be returned to the specified details. In addition, you can find out the amount of debt in the Internet bank.
- For thirty days, send an application to the bank with a request to close the card account. If necessary, you can withdraw the application within the same period.
- The agreement states that the card is the property of the bank and must be returned to the owner. In practice, it is extremely rare to return a card, since after closing it turns into a regular piece of plastic, but just in case, you can keep it for several months in case you need a refund.
- After 30 days, you need to call back to the Tinkoff customer support service to make sure the account is closed and ask for a certificate, which must have a blue print on it. The banking institution cannot refuse you, they are obliged to send it by mail to the home address.
How to find out and increase your credit limit
Card credit limit is the maximum amount a client can spend. It is installed on an individual basis and can reach 300 thousand rubles. You can find out the amount that is available specifically for you, as well as other Tinkoff Platinum conditions and tariffs, in Internet banking or in the letter attached to the credit card.
The credit limit of these cards is revolving. With timely payments, you can always pay her in stores.
Many credit card holders have a question: how to increase the limit on a Tinkoff Platinum card? It is impossible to do this at the request of the owner, only a bank makes such a decision. To help increase the amount, you need to use the card as often as possible and make payments established by the bank on time, Tinkoff encourages and trusts respectable borrowers.
Advantages and disadvantages of the Tinkoff Platinum card
A bank card with a credit limit from Tinkoff Bank has a number of positive aspects:
- Ease of design.
- Free shipping.
- No income statement required.
- Long interest-free period for paying off Tinkoff Platinum card debts up to 120 days.
But in addition to the advantages, this banking product has its drawbacks:
- For new customers, the percentage for the content is quite high.
- The initial credit limit of the card is not high, and many who draw up it hope to receive the promised 300 thousand rubles.
- It is not beneficial to withdraw cash, because the commission is very high.
Should I open a Tinkoff bank credit card
It is beneficial to draw up a Tinkoff Platinum credit card according to customer reviews in several cases:
- You can easily do without cash.
- It’s more convenient for you to pay with your card, rather than in cash.
- Your income is stable enough to make payments on time and not pay interest.
The answer to the question whether it is worth issuing a credit card cannot be unambiguous. Everyone must decide for himself.