Get a credit card from the Russian Agricultural Bank. Overview of a credit card of the Russian Agricultural Bank with a grace period

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The reputation of a bank depends not only on its versatility, but also on many years of successful work on credit market. One of the banks that combines extensive experience and following fashion trends is the Russian Agricultural Bank.

About the bank

Founded at state participation in 2000, the Russian Agricultural Bank was established to serve producers in the field of agro-industrial production. To date, with authorized capital at 334 billion rubles and 76 regional branches, the bank is confidently among the 30 largest banks in Russia.

Joint Stock Company "Rosselkhozbank" being a universal commercial bank works with both legal entities and individuals. One of the activities of a financial institution is the issue of a wide range of credit cards that meet the interests of a wide range of consumers.

Types of cards

Like other banks, Rosselkhozbank offers cards designed for customers with different income levels. The main credit product is the Classic, Gold and Platinum cards, which differ in the level of advanced features and interest rates.

In addition to the above cards, the bank issues a number of credit cards that have unique advantages that allow its holder to receive additional benefits:

• travel credit card;
• credit card "Amur tiger";
• owner's credit card;
• instant credit card of Rosselkhozbank;
• country credit card;
• Rosselkhozbank-Rosneft credit card.

To help determine the choice of the card the client needs, we will consider the individual features of each of them in more detail.

Terms and interest rates

The conditions common to all Rosselkhozbank credit cards are as follows:

• the grace period on the card is 55 days;
• bank commission for cashing out 2.5-3.9%;
• all cards can be issued at the choice of the borrower in two main international payment systems: Visa or MasterCard;
• validity of cards - 24-36 months;
• no additional fees;
• the possibility of registration up to 7-8 additional cards for your loved ones;
• The map can be managed through mobile bank' and 'Internet office'.

Let's compare individual conditions by cards and interest rates, in order to determine the most successful loan products from the borrower's point of view:

An analysis of the features of each of the credit cards will allow the borrower to decide on the choice of a card that meets his tastes and preferences.

How to apply for a Rosselkhozbank credit card

To issue a card, the borrower must personally come to the nearest branch of Rosselkhozbank, having previously captured all Required documents.

Documents required to apply for a credit card include:

• passport;
• military ID - for male borrowers under the age of 27;
• completed application form;
• documents confirming the income and employment of the client: for all categories of individuals - different. For example, from a person working for hire, the bank will request a certificate for the last 4 months, individual entrepreneur will be required to provide proof of state registration, an extract from the USRIP and a copy tax return in form.

When submitting documents, an employee-adviser of the bank is obliged to check the compliance of the client established requirements. You should not expect to apply if the match is incomplete.

The portrait of the borrower of Rosselkhozbank is as follows:

• age - from 21 to 65 years inclusive;
• citizen Russian Federation;
• work experience at the last place of work must be at least 4 months and at least 1 year seniority for the last five years;
• registration (permanent) on the territory of Russia.

Can I apply online

The method of filling out an application online can save the client's time, since the service works around the clock, and the borrower has the opportunity to fill out the questionnaire at any time convenient for him. You should select the credit card you are interested in and start processing by going to the application page.

In the upper corner of the page, you must select a bank branch convenient for you. Then, using a special slider, indicate the planned card limit. The program will require the borrower's personal data: full name, date of birth, contact phone number and email. In conclusion, it is proposed to write an additional comment: the purpose of the loan, a convenient time for contact, etc. By submitting an application, the client agrees to the processing of personal data.

After submitting an application, the waiting time for a decision can be 1-2 days. A call from the managers of the security service department is possible in order to clarify additional information.

In the case of a positive decision to provide a credit card, it is necessary to decide on the method of obtaining a card. No credit card allowed courier delivery or by mail. However, the best way will be personal visit office with the signing of all necessary documents.

Attention: The proposed credit limit amount can be reduced by the bank's employees after analyzing your solvency.

Grace period

The Bank offers all credit cards an interest-free period for using borrowed money. The 55-day grace period is divided into two parts: settlement and payment. AT settlement interval, constituting calendar month there is a purchase that is paid for in a non-cash way.

The payment period following the reporting period lasts 25 days. Not to overpay enough high interest accrued on the loan amount should be within this time interval and repay the debt.

You can top up your card balance in different ways:

• transfer money from another credit or debit card;
• deposit the required amount through the bank terminal;
• pay the loan through the cash desk at the nearest branch;
• throw cash from an electronic wallet;
• send by bank or postal transfer.

When repaying a debt, you should carefully consider the timing, since obligations are considered fulfilled not from the moment the borrower sends funds, but from the moment they are credited. If the loan cannot be repaid on time, the minimum payment of 10% must be paid at the end of the period. Its amount is calculated automatically by the program in your personal account.

How to check balance

You can check your credit card balance in several ways:

• across Personal Area client "Internet office";
• by SMS informing;
• through " mobile bank" in phone;
• when carrying out transactions through an ATM;
• call to contact center bank - for this method it will be necessary to pass identity verification by phone.

Rosselkhozbank credit cards are one of the most common and popular financial products, which is characterized by great demand among modern population. Everybody financial institutions and among them one can note the RSHB, provide an opportunity to issue them on favorable terms.

Credit cards represent the best opportunity to expand your financial and financial resources in the most efficient way. financial opportunities. To do this, you just need to use the proposed credit limit.

The organization provides optimal conditions for credit cards. On the basis of which the popularity of the financial product is becoming higher. Among the main favorable and comfortable conditions are the following:

• Standard credit cards from RSHB are valid for 3 days;
• Borrowed funds are provided for full use in rubles at favorable rate from 21.9%;
• The amount of the loan granted is determined strictly individually;
• The maximum loan amount is not more than one million;
• Each card is securely protected by a reliable innovative built-in chip;
• Plastics have a fairly favorable grace period of 55 days.

A Rosselkhozbank credit card with an optimal grace period makes it possible to use money during this time and not pay any additional charges.

Rosselkhozbank credit cards with a grace period

The financial institution provides its customers with 7 different types kart. Each of them is characterized by its individual capabilities, as well as the terms of service. Here are the most requested ones.

"Amur tiger"

The card makes it possible to pay for goods and services as freely as possible, and without any time limit on the established limit of permitted lending. To open, you do not need to confirm the targeted spending of funds. Among the features of the products are noted:

• The minimum loan rate is 23.9%;
• The first year of service is free;
• The standard cost is 700 rubles per year;
• The credit limit reaches 250 thousand rubles.

In each completed transaction, the owner automatically transfers funds to maintain the population of such a rare animal as the Amur tiger.

"Master"

The product benefits from a 1% refund of the purchase price. The purchase can be made in different retail chains, cinemas, pharmacies, cinemas and various service companies. At the same time, a refund is provided from the cost of refueling, if it was carried out by bank transfer. The loan limit can reach 250 thousand, the interest rate starts from 23.9%. Similar conditions can be obtained by issuing the Rosselkhozbank-Rosneft product.

This product is intended for an active category of consumers who make purchases on modern Internet sites, in ordinary stores. It is possible to withdraw funds using partner ATMs and paying a fairly attractive commission. All operations require mandatory authorization, which optimally guarantees high level safety of payments made.

The set limit and interest are fully equal to the two above listed cards. As for the cost of service, it is equal to 200 rubles for the MasterCard category and 300 for Visa cards. "Track" is characterized by approximately the same conditions.

"Classic"

The main advantage of this financial offer is the optimal opportunity to use a wide range and variety of services and at a very affordable cost. The maintenance fee for the year is 700 rubles. Funds can be withdrawn and paid for purchases anywhere, and the total free interest-free time is 55 days.

"Instant"

The card is very comfortable in the process of application for customers who want to fully expand and diversify their material capabilities. This can be done to the maximum affordable price and in the shortest possible time. The product can be issued and received in one day. The period here is also 55 days, and general terms and Conditions applications are completely similar to the product of the Country category.

"Golden"

Rosselkhozbank credit card, the terms of which refer it to modern bank bonuses. It is intended to advantageously emphasize the high social status and financial position of the owner. Among the advantages are:

1. Access to a wide range of customer-favorable services of a special additional plan.
2. An increased credit limit is provided.
3. Guaranteed security of financial transactions.
4. A variety of preferences in the form of benefits and discounts from popular companies and service providers.

Loans are provided at 22.9%, and the maximum amount reaches 600 thousand. The maintenance fee is 2000 rubles per year of use.

"Premium"

This is one of the most privileged RSHB cards. Its conditions in themselves emphasize the high status of its holder. The product is initially addressed by the owner with a fairly high status, as well as an ideal credit reputation. Cardholders enjoy the following benefits:

• The limit reaches one million;
• Unlimited comfortable service is provided;
• Exclusive offers in all respects;
• Various discount program;
• Low rate across credit line – 21,9%.

The price for maintenance per year is approximately 4 thousand. It is slightly higher than the usual rates, but fully justified by the large number of advantages.

Apply for a Rosselkhozbank credit card

Currently, it is not required to visit the office premises in person to apply for a loan financial product. You just need to have high-quality high-speed Internet access.

First of all, you need to visit the resource of the institution and immediately go to special section"Individuals". After that, you will need to click "Maps", in which a list of offers available for each client will automatically open, in which the product necessary for use is selected. Attention opens the button "Issue online". Immediately after such activation, a window for filling out an application is presented to your attention. In this form, you will need to provide the following important information:

• personal initials;
• Desired loan amount;
• Phone;
• Map category;
• Date of Birth;
• Registered email address;
• Data on the regional branch of the RSHB.

If the staff and management of the organization make a positive decision, the applicant will need to visit the office in person to complete all the processes related to registration.

Required documents

To obtain a positive result, you will need to prepare a special package of documents, consisting of such papers as:

1. Application form.
2. Ordinary civil passport for official identification.
3. If the applicant is a male under the age of 27, a military ID must be provided.

Separate documents may be required to justify in a certain way the general material and financial position, as well as employment. The detailed list of documents directly depends on each individual case. People who are officially employed will need to provide a well-formed certificate of category 2-NDFL.

If an individual entrepreneur applies for a credit card, he must provide an official extract from the USRIP, as well as a copy of the tax return with a registration certificate.

After filling out the questionnaire in detail and submitting an application with documents, you will need to wait about five days before the bank makes a decision. If it is positive, the client will be required to personally visit the bank branch and complete the card issuance.

Requirements for the borrower

The organization offers the opportunity to become the owner of a loan product to everyone who applies. Three categories of users apply to the institution - individuals, payroll clients, customers who have earned a positive reputation in the bank.

The requirements for these categories of customers are put forward approximately the same. Rosselkhozbank credit card, an online application without certificates can only be issued for a citizen of the Russian Federation. His age is important - from 21 to 65 years and his registration in any region of the state.

Conclusion

Almost all RSHB cards are advantageous in that they provide affordable and profitable terms use. Each one is provided with grace period up to 55 days. If you study the reviews, this is quite enough to make spending and close all payments on time without paying interest.

To issue such a product, a special online application must be completed. Before taking the necessary loan, pre-order the card, and then pick it up at the appointed time. If you use plastic loans wisely and repay all interest on time, you can make significant profits in the form of bonuses and various cashbacks.

Credit cards differ from ordinary consumer loans in that the contract for the use of credit services is not drawn up on a certain amount, but on the amount taken directly by the client during the entire period of use. At the same time, in loan agreement not a fixed rate is indicated, as is the case with the usual consumer credit, and growing - from an interest-free loan in the first months to 30-40% per annum (including penalties for long-term non-payment). Therefore, before issuing a card, you need to clearly identify your own goals, on the basis of which you should choose a suitable offer from the assortment of Rosselkhozbank.

Specific terms of use depend on the type of credit card purchased: interest rates, commissions for cashing out funds and the cost of annual maintenance differ significantly. However, there are general conditions that each bank sets in accordance with the policy and internal regulations of the organization. For example, Rosselkhozbank stands out in the financial services market by its loyalty to the Russian middle class:

• All credit cards are valid for no more than three years;
• All cards are equipped with an innovative chip that protects the user from fraud;
• Loans are issued only in Russian rubles;
• The minimum possible rate after the grace period is 21.9% per annum;
• The maximum possible limit is 1 million rubles;
• Grace period - 55 calendar days from the date of the loan.

How do Rosselkhozbank credit cards with a grace period differ from cards of other banks?

Not everyone banking organizations give a grace period of 55 calendar days. As of 2020, the standard of 30 days has formed in the financial services market. In this regard, Rosselkhozbank has increased its popularity among Russian consumers, as it provides customers with a grace period almost twice as long.

During the grace period, the consumer can only pay for the debt itself, and no interest is charged to him. Thus, when the debt is returned before the expiration of the 55-day period, the RSHB actually provides not a loan, but an installment plan.

Payment during the grace period (also called the "grace period") is calculated using the formula:

• Estimated part. From the moment the plastic was activated, i.e. at the first attraction of a loan, the user is given a month during which he can freely use a credit card within the established limit. Example: Ivan took the Amur Tiger card with an approved limit of 250,000 rubles. On October 15, he bought a phone for 10,000 rubles. Until November 15, he can additionally receive a loan in the amount of up to 240 thousand rubles.
• Payment part. As part of the terms of use, the consumer is obliged to deposit on the card an amount covering part of the principal debt within 25 days. Rosselkhozbank requires repayment of at least 1/10 of the total debt. Example: Ivan is obliged to pay 10% of the debt amount - this is 1 thousand rubles. By October 10, he is obliged to deposit at least a thousand rubles on the card if he does not want to receive a penalty.

At the end of the grace period, interest is added to the amount of the principal debt and, accordingly, monthly payment increases. At the same time, the borrower can still contribute only 10% of the amount of loan funds issued by the bank.

What types of RSHB cards exist and what are their differences?

The main difference between the offers is in the cost of annual maintenance, the commission for cashing out money and the interest rate. The maximum possible limit, the duration of the grace period and the validity period are the same for all credit cards.

Important: the credit limit depends only on the solvency of the client. Depending on the level of income, the limit can be set in the amount of 30 thousand rubles to 1 million rubles. You can confirm the level of income with a certificate of income in the form of 2-NDFL.

As of 2020, Rosselkhozbank provides its customers with a choice of nine types of credit cards.

Classic. Suitable for any purpose, because. it gives the most optimal terms of use and the size of bonuses. Interest rate from 23.9% per annum, annual service costs 700 rubles (when issuing a card with PayPass technology, service costs 750 rubles). Card issuance is free. Three payment systems are available: Visa, Mastercard and MIR.

country. It is mainly intended for shopping in online stores, because. bonuses when using this particular credit card are the largest among the entire RSHB line. Interest rate from 23.9% per annum, annual service - 300 rubles. for Visa, 200 rubles. for MasterCard and MIR.

"Amur tiger". Key Feature card is that from each purchase 0.7% of the amount spent goes to charity, namely, to maintain the Amur tiger population. The credit limit cannot exceed 250 thousand rubles, the interest rate is from 23.9% per annum, annual maintenance during the first year of use is free, then - 700 rubles annually.

"Map of the owner". The peculiarity lies in more bonuses for offline purchases: in pharmacies, cinemas, catering establishments, and so on (1% cashback from each purchase). If a user pays for the purchase of fuel at a gas station, the cashback is 5%. Issuing a credit card costs 99 rubles, the limit cannot be more than 250 thousand rubles, interest rate from 23.9% per annum... There is no service cost with a turnover of less than 10 thousand rubles per month, otherwise the RSHB takes 1,800 rubles annually for using the card.

Premium. Suitable for active users, because. the card gives the lowest interest rate of 21.9% per annum. Besides, maximum limit in the amount of 1 million rubles, users of this card are approved more often. However, the cost of annual maintenance is at least 4 thousand rubles.

Golden. The interest rate, like that of the premium, is quite low - from 22.9% per annum. The main plus is a large cashback (up to 15% when buying from RSHB partners). Annual maintenance is cheaper than the previous option - 2 thousand rubles a year.

Travel. Designed specifically for travel lovers, Harvest rewards you with 1.5% Special Points on any targeted spending. They can be spent on hotels, tickets, etc. You can withdraw money without commission at RSHB ATMs, there is no paid annual service, the interest rate is from 22.9% per annum.

Instant. In terms of the cost of maintenance and all other conditions, it is similar to the Country card. The difference lies in the fact that bank employees must issue the card immediately on the day of application, so there is no need to wait for approval and come to the bank several times. You can use the card only within the Russian Federation.

Credit card Rosselkhozbank-Rosneft. Collaboration product of two major Russian companies mainly intended for active car users. When buying fuel at Rosneft gas stations, increased bonus points are credited to the card as part of the Family Team program. At the first purchase from Rosneft, 300 bonus points + a fixed percentage are awarded. Interest rate from 23.9% per annum, payment system only one is available - "MIR", annual service from 1200 rubles.

Requirements for the borrower

• The borrower must be a citizen of the Russian Federation;
• Age at least 21 years and not more than 65 years (inclusive);
• Over the past five years, a citizen had to earn at least one year of total experience, and at the last workplace - at least 4 months;
• The user must be registered within the Russian Federation. The presence of a residence permit or permanent residence in another country makes it impossible to obtain plastic;
• The borrower must have a permanent and fully legal source of income. Depending on the level of income, the maximum credit limit on the card is set individually;
• At potential client must have a good credit history. The presence in the past of delays, litigation with banks, and the like can lead to a refusal to issue plastic.

Required documents

• Internal passport of the Russian Federation with a residence permit inside the country;
• A completed application form indicating income, guarantors, etc. You can fill it out with bank employees inside the branch. Also, do not forget that Rosselkhozbank provides an opportunity to apply online for a credit card;
• If the applicant is a man under the age of 27, you will need a military ID or certificate of study (for students);
• Copy work book with all marks general experience and length of service at the last workplace (if employment contract at least 4 months before applying to the bank, it can be presented instead of a copy of the work book);
• Certificate of income in the form of 2-NDFL or in the form of a bank.

Registration procedure

When contacting bank employees directly, the algorithm of actions is as follows:

1. Before going to the bank, you need to collect all the necessary documents. Otherwise, the bank will only be able to get advice;
2. The package of documents is accepted by employees, contact details are saved by the bank for communication with the client;
3. The documents are sent to the security service of the bank. Within 3-5 days, all provided papers are checked for the possibility of forgery, forgery, etc.;
4. A decision is made to approve or reject. The Client is informed about this by phone, letter or otherwise (depending on the contact details left);
5. The client needs to come to the bank to sign the agreement and receive the card.

If the user wants to issue an instant card, the process is accelerated - plastic must be issued on the same day the client applied for the service.

A Rosselkhozbank credit card can also be issued through an online application, and without any information. To do this, go to the official website of the organization - https://www.rshb.ru-, find the "Application for a card" tab, then indicate the selected bank offer, the desired monthly amount, passport and contact details. If the decision is positive, you will be contacted and invited to the nearest branch of the bank to continue the procedure.

Immediately after receiving the card, you won’t be able to buy anything with it, since you can use the Rosselkhozbank credit card only after activation. This can be done either in the department under the supervision of the employees of the organization, or by phone. hotline, or at an RSHB ATM. You will need to come up with or name a ready-made pin code, after which the credit limit will become available.

Are there special bonus programs and privileges?

All cards are different in terms of bonuses, so it's easier to think of this as a list:

• The Travel card gives 1.5% bonus points from the amount of the target (tourist) purchase. You can spend them on the purchase of air, railway tickets, hotel reservations, etc.;
• Users of the Amur Tiger credit card transfer 0.7% of each purchase to the Center for the Study and Conservation of the Amur Tiger Population;
• The Master Card gives 1% cashback for any purchase, as well as 5% for purchases at gas stations;
• Rosselkhozbank-Rosneft accrues bonus points when shopping at TNK and Rosneft gas stations, you can spend them there. Please note: if you tell an employee of the Russian Agricultural Bank the promo code “POLISH BEARS”, you will receive a discount of 850 rubles for the first year of servicing a credit card;
• Premium and Golden credit cards give the highest cashback in RSHB partner stores. You need to find out where you can get the largest cashback on the official website of the Russian Agricultural Bank (the list is constantly updated and it makes no sense to give it).

In general, if there are no priority areas among the costs, the budget and flexible offers "Classic", "Country" and "Instant" are great for the consumer.

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