Income cards from VTB. VTB24 - types of cards and methods for issuing them VTB 24 cards without annual maintenance

VTB 24 is a systemically important bank, which in terms of a number of indicators (size of assets, profits, loan portfolio) occupies second position among Russian banks. The financial institution provides a full range of banking services, including the issue of plastic cards.

The VTB 24 debit card, according to many experts, is considered the most profitable. You can order it at a bank branch or on the website. The second option is more profitable for the client. He will not have to pay an account maintenance fee for the first month (249 rubles).

Three loyalty programs have been developed for the card:

1. Cashback up to 10% is paid in the “Car and Restaurant” categories, 2% - on all non-cash transactions.
2. Miles and bonuses are awarded at 4% of the amount spent.
3. “Savings” - 10% accrual on the balance.

The client independently chooses the program that will be valid in his tariff. You can change the category every month. For tariffs to be profitable, the client must make more non-cash payments

It is also worth paying attention to the following tariffs:

1. Unlimited release of additional cards. The first five are issued without commission.
2. Free withdrawals from ATMs.
3. Account maintenance fee: 249 rubles per month. No fee is charged if the turnover or account balance is at least 15,000 rubles per month.
4. Internet banking is free of charge.
5. There is no charge for SMS notifications.
6. Non-cash transfers from card to VTB 24 card are free of charge.
7. 5% is charged on the balance if the amount of non-cash payments exceeds 500 rubles. per month. After connecting the “Savings” option, these interests are not accrued.

To apply for a debit multicard, you only need a civil passport.

Important! In order for the card to generate income, you need to regularly make non-cash payments. Otherwise, the client will only spend money on paying commissions and will not receive any benefits.

This financial institution offers three types of credit cards: classic, gold and platinum. The higher its class, the more expensive the cost of service. But the client receives a higher credit limit and more profitable loyalty programs.

The maximum limit on a classic card is 299,999 rubles, maintenance is 75 rubles per month; for gold - the limit is 350,000 rubles, and the commission is 350 rubles; for platinum - the limit is 1 million rubles, and the account maintenance fee is 850 rubles per month.

The conditions for obtaining a VTB 24 credit card are simple:

• Citizens of Russia aged from 21 to 68 can take advantage of this offer.
• Documents you need to provide are a passport and a certificate of income for the last six months.

The following cards are available to the client:

1. Credit card with cashback function— the maximum amount of compensation is 10%.
2. "Pocket Card"— this option will be of interest to borrowers who need cash. For withdrawals from any ATM, a minimum commission of 1% is charged.
3. Collection Card— for every 30 rubles spent in the retail chain, 1 point is awarded. Accumulated bonuses can be exchanged for goods and services from the presented “Collection”.
4. "Automap" Available only in gold and platinum. According to it, the client receives a 3% cashback for payments at gas stations and 1% of the amount of all purchases. An additional option is a set of Road Assistance services.
5. "World map"- the best solution for travelers. The borrower receives 2 miles for every 35 rubles debited from the card. World map bonuses from VTB 24 can be exchanged in your personal account or at points where partnerships have been established. They exchange them for air and railway tickets, hotel accommodations, and car rentals.

VTB offers a wide selection of credit cards that meet customer needs.

The advantages include:

• The grace period also applies to cash withdrawal operations;
• low interest rate;
• profitable bonus programs.

The disadvantage is the high fee for withdrawing cash from an ATM.

Important! Use credit funds only as a last resort. Try to repay your debt within the grace period and make only non-cash transactions.

VTB services are also of interest to legal entities. They use credit programs, open current accounts and salary projects. As a result, all employees of this enterprise receive salary cards, to which payments due to them are transferred.

Each person can independently open a salary card privately, for example, it could be a VTB World 24 salary card. The received details are transferred to their accounting department.

The following service rates are established:

• There is no account servicing fee;
• if a card is opened without a salary project - a commission of 249 rubles per month, it is not charged if the amount of receipts exceeds 15,000 rubles;
• free issuance of five debit and credit cards;
• cash withdrawal from VTB24 ATMs without commission;
• Cash withdrawal at the cash desk is free if the transaction amount exceeds 100 thousand rubles, otherwise a fee of 1000 rubles is charged;
• receiving funds from third-party ATMs - 1%, but not less than 300 rubles;
• viewing balances at ATMs of other banks - 15 rubles per request;
• free SMS information.

The salary card also has the same loyalty programs as the debit card.

Pension cards

You can apply for a pension card at branches opened in Moscow, Irkutsk, Samara and the Moscow region.

To do this you need to do the following:

1. Contact a VTB Bank branch, provide your passport and pension certificate.
2. Sign a service agreement and receive a card.
3. Submit details for payment to the pension fund at your place of residence.
4. Write an application for transfer of pension to the account.

There is no charge for issue and maintenance. You can withdraw cash from VTB Group ATMs for free. The balance of funds is accrued at 7% per annum, and when choosing the “Savings” option - 10%.

Finally

VTB24 will not please its clients with the variety of cards it issues. But those offers that exist include all the basic functions and possible privileges. And the established tariffs are really favorable. The client has several options to avoid paying fees on debit and credit cards. Borrowers have access to a high limit and interest-free use of borrowed funds for 50 days. Clients who keep their funds in the account will receive an additional income of up to 10%.

More information on VTB 24 salary cards on video:

VTB 24 debit cards are now quite widespread. They can be used by different people, regardless of age and profession. Plastic cards linked to a personal electronic account at VTB 24 Bank make it easy and simple to pay for goods and services, as well as receive salaries, stipends, pensions, and benefits.

VTB 24 debit card - conditions for receiving

Unlike credit cards, a debit card in any case acts as a convenient storage of funds, with which it is impossible to fall into debt. Therefore, the conditions for obtaining this “wallet” are the most minimal, and depend on the type of card:

These are the three main types of VTB 24 debit cards. Anyone can receive them, regardless of their place of work or even whether they are employed. But the unnamed card is considered the most accessible, since even minors can become its owners. You can also link such a card to the account of one of the parents in order to easily and quickly control your child’s expenses.

How to get plastic

The main way to obtain a savings card account is to go to the appropriate bank with the necessary documents, namely a passport. After a short conversation with employees, the financial organization and the procedure for filling out an application for a card, there is a two-week waiting period, after which the debit card is issued to its holder.

Now you can order a VTB 24 card via the Internet. This is done on the official website of the bank or its partners. The bank’s online resource always has simple step-by-step instructions, following which you can easily order plastic with the required package of services and privileges. To pick up the finished product, you must go to the bank branch indicated when filling out the form on the website.

Additional VTB 24 debit cards

In addition to the three main types of debit cards, VTB 24 has issued a whole series of additional debit cards with their own features, privileges and restrictions.

For example, the VTB 24 Cash Back plastic card based on MasterCard Standard allows you to make purchases in online and offline stores, with 1% of each purchase returned back. The maximum refund amount per month is limited to five thousand rubles. The cost of servicing the VTB 24 Cash Back card varies from 90 to 900 rubles, which depends on the selected package of options.

Debit Automap designed specifically for people who spend most of their working time behind the wheel. The autocard from VTB 24 is serviced by the MasterCard World system and has the following features:

1. Electronic microchip.
2. One-touch payment function PayPass and PayWave.
3. Cash Back 3% when using the services of any gas stations both in the Russian Federation and abroad. When paying for other goods and services, 1% is refunded. The refunded amount cannot exceed 15,000 rubles per month.
4. The fee for using plastic is 300-4,500 rubles per year.

Withdrawing funds from the Autocard through bank ATMs is not subject to commission. In other cases, an additional percentage is deducted from the withdrawn amount.

The “Platinum Autocard” debit card differs from the previous card in two features: the cost, which is limited to 10,700 Russian rubles, and an increased cashback when using gas station services (it is 5%).

Debit " Map of impressions" from VTB 24 is suitable for those who often visit cafes, cinemas and similar public places. Plastic can be serviced by one of two systems to choose from: VISA Classic or MasterCard Gold. The “Impression Card” is equipped with all modern technological innovations, has a chip and the latest PayPass and PayWave fast payment modules. Individual option – Cash Back 3% when paying for services in cafes, cinemas, restaurants.

"Platinum Experience Card" is a special VTB 24 platinum debit card. It is equipped with a cash back option in the amount of 5% of each payment for goods in cinemas, cafes and restaurants. “Platinum” plastic will cost its owner 10,700 rubles per year.

"World map"- another type of debit cards from VTB 24. Plastic is issued on the international VISA Gold platform. World Map supports all methods of use: magnetic stripe, electronic chip, and the latest one-touch technology. This type of debit has no cashback or interest on the remaining amount. But this card has a unique package of bonuses attached to it – accumulation of miles by paying for purchases through this card. For every 35 rubles spent, 2 miles are credited, which can then be spent on renting hotel rooms or purchasing air tickets. Miles are spent at the rate of 3 miles = 1 ruble.

Platinum "World map" has twice the bonus package compared to a regular world card. For every 35 rubles spent, 4 miles are awarded.

There is also a VTB 24 platinum debit card "Privilege", which is made on the basis of VISA Platinum or MasterCard Platinum. The Platinum Card has an extensive bonus program that many retailers and public establishments participate in. Bonuses are credited for using plastic.

Debit card account "Privilege", as in the previous case, has an impressive number of bonus programs, including:

• discounts in stores, cinemas, gyms, restaurants, etc.;
• accumulation of bonus points and their conversion into real money;
• Free business class lounge pass on air travel.

The premium card carrier is serviced by VISA Signature or MasterCard Black Edition systems.

All types of VTB 24 debit cards currently available are listed here. It is worth considering that the actual cost of using a specific card account depends on the selected optional packages, and can vary between two different values. The connected options include not only various privileges and bonus programs. The cost of annual use is also influenced by additional maintenance services, such as SMS information, mobile banking, etc.

Traditional banknotes and coins are gradually becoming a thing of the past. More and more people prefer plastic cards. Cashless payments have a number of undeniable advantages. First of all, there is no need to carry large sums of money with you to make purchases. In case of loss, the plastic can be instantly blocked, keeping the funds on it safe.

Convenient and functional VTB 24 debit cards can become such a tool for regular use. An extensive network of branches, widespread location of ATMs, economical tariffs - these are just the main advantages of the bank's products. Now let's take a closer look at them.

Conditions for issuing a VTB card

It is important to understand that this type of product does not involve any lending relationship between the holder and the bank. The conditions for receiving are quite loyal, and therefore the issuance of VTB 24 debit cards is a fairly quick procedure.

The Bank puts forward the following minimum requirements for individuals:

• the age of the designer is from 18 years (additional plastic is available from 14 years);
• presentation of a passport;
• writing an application (filled out at the bank).

In order to obtain a VTB 24 debit card, you do not need to provide a certificate of income, SNILS or any additional documents, as is the case with credit products.

Non-personal means of payment

The fastest and most economical option is to open an instant debit card without placing personal data on the plastic. The product is issued on the spot, immediately after submitting the application. The cost of annual maintenance is 150 rubles.

This VTB 24 debit card, the conditions for registration of which are minimal, has the following properties:

• the card has a limit on cash withdrawals (100 thousand rubles daily and 600 thousand rubles monthly);
• not suitable for paying for goods and services on the Internet due to its insufficient security;
• this type of card cannot be used abroad;
• in some cases they are not accepted at retail outlets.

The non-registered VTB 24 debit card is relevant for individuals who are looking for an economical option while sacrificing functionality.

The product is suitable for those who care about how much a payment instrument is made. When time is limited, this is a great choice. Information on how to obtain a VTB 24 debit card can be obtained at any branch of the institution.

Classic package

You can get a VTB 24 debit card containing information about the owner as part of one of the packages. The classic package has a standard set of features. It allows you to use cashless payments, Internet banking and cash withdrawals everywhere. These actions will be available both in Russia and abroad.

The package is provided free of charge:

• with monthly income of 15 thousand rubles;
• for account holders with a total amount of 200 thousand rubles;
• with a stable turnover of 20 thousand rubles per month.

In other cases, the cost of servicing the product will be 75 rubles monthly. Payment is withdrawn from the account once a quarter. Nice bonuses of this package include cash back (return of part of the funds when purchasing back). Every 50 rubles spent are returned in the form of 1 bonus point credited to a special account. Accumulated bonuses can be spent on purchasing gifts from the “Collection” section. These bank cards are great for charging.

Gold package

The 24 types of banking products issued by VTB Bank are designed for different users. For those who want to emphasize their own status, a Gold package is provided. The cost of issue is 300 rubles, maintenance - 350 rubles per month.

In addition to standard features (transfers, payments, Internet banking), this includes additional privileges:

• For every 30 rubles spent by bank transfer, 1 bonus point is awarded;
• 1 additional card is provided free of charge;
• One withdrawal of funds abroad without commission is available.

Debit cards provided as part of this VTB Bank package:

1. "Collection". Beneficial for clients who make a large number of payments using non-cash payments. Involves the accrual of bonus points (1 point = 30 rubles). You can spend them in the institution’s special online store.
2. Automap. Perfect for all car owners. Provided with cash back on purchases in the amount of 1%, for payments at gas stations - 3%.
3. Map of impressions. These are cards for lovers of recreation in public places. When paying for food in cafes and restaurants or purchasing cinema tickets, a 3% cash back is provided. For other purchases – 1%.
4. Travelers map. Allows you to receive free air tickets in exchange for miles (2 miles = 35 rubles).

You can study the terms of use and information on how to get a VTB24 debit card as part of the Gold Package in more detail by going to the official website. It is worth considering that before the release of the product, the client’s application is checked by the bank’s security service. This is due to high limits on cash withdrawals (600 thousand rubles per day).

Platinum package

A VTB 24 debit card as part of the platinum package is available to people with high status and a stable income.

It is issued free of charge in the following cases:

• with monthly income of 80 thousand rubles;
• for account holders with a total amount of 700 thousand rubles;
• with a stable turnover of 65 thousand rubles per month.

It is possible to release cards similar to the gold package. However, the cash back will no longer be 3, but 5% for similar expenses. In addition, VTB Bank provides 2 additional cards, 2 cash withdrawals abroad without commission and additional life insurance free of charge. The package is received only after approval by the bank's security service.

The convenience of using banking products is difficult to underestimate. They greatly simplify people’s lives, making shopping and transfers accessible without having to leave home.

VTB Bank itself issues a huge number of both debit and credit cards. VTB 24 bank cards differ from cards of other banks by interesting applications, high privileges, as well as good programs with the bank’s partners. Any VTB Bank card, both regular classic and high-end cards, has a large number of convenient services and privileges.

Types of VTB 24 debit cards

VTB cards 24 different types and varieties. They are mainly divided into classic, platinum and there is also a privilege card. Each card has its pros and cons.

Classic VTB 24 debit card

This card has the smallest conditions for receiving it. But it also has minor limitations. There is also a bonus program that is immediately activated - for every 50 rubles spent from this card you will receive 1 bonus.

To connect SMS banking, as well as Internet banking, you will have to pay 59 rubles per month. To issue another additional card on this account, you will have to pay about 300 rubles. Service tariffs - with a monthly balance of up to 200 thousand rubles and a turnover of up to 20 thousand, you can use and maintain it for free.

VTB 24 gold debit card

This card has great privileges for rich and successful individuals. Below are all the conditions for its use.

• For 30 rubles spent = 1 bonus
• There are bonus cards: World, Impressions, Autocards
• There is an insurance program
• It is possible to issue an additional card for free
• There are small privileges when paying abroad
• Free service with a balance of up to 350 thousand rubles and a turnover of up to 35 thousand rubles.

Platinum debit card VTB 24

This card has the highest class of privileges. There are minor changes compared to the bank card. You are eligible to receive both gold and platinum grades. You get 1 bonus when you spend up to 25 rubles. In addition, there is insurance when traveling to another country. Free annual service with a balance of up to 750 thousand rubles and a turnover of 65 thousand.

Types of VTB Bank credit cards

VTB 24 Classic credit card

• The maximum threshold of funds is 300 thousand rubles
• If the amount of monthly funds spent is exactly 10 thousand rubles, then no commission is charged
• Cashback on any purchases is 1%

VTB 24 Credit Gold Card

• Card limits up to 750 thousand.
• 1% for withdrawals from other banks
• Monthly expenses must be at least 25 thousand rubles, otherwise a commission will be charged

VTB 24 Platinum Credit Card

• Card limits up to 1 million.
• 1% cashback on all goods and services
• 1% for withdrawals from other banks
• Monthly expenses must be at least 65 thousand rubles, otherwise a commission will be charged

It is reasonable to pay attention to the proposal of a large financial state corporation. Let's look at what a VTB card is - the review is dedicated to the universal VTB24 Multicard and the debit line of VTB Bank of Moscow.

VTB card products

Today, to obtain a VTB Bank card, you can contact a branch of any of the two financial organizations representing the retail line of business of the banking group of the same name:

• VTB 24;
• VTB Bank of Moscow.

Both companies are widely represented in all regions of Russia, their plastic cards are equally “native” for the entire huge network of VTB ATMs.

For VTB 24 cards, types are a thing of the past. This bank offers individuals a single universal package product called Multicard.

An exception is made only for clients who are issued salary cards in accordance with contracts, where VTB 24 prescribes tariffs for cards paid by employers.

VTB Bank of Moscow issues a line of debit cards in which the following are available:

• classic MasterCard Standard, Visa Classic or MIR Classic at the client’s choice;
• MasterCard “Super 3” with the Troika transport application and 3% cashback;
• non-embossed plastic with cheap maintenance, including shareware;
• premium products - gold Visa and MasterCard, platinum Visa;
• cards for philanthropists, allowing you to participate in supporting the construction of churches or donate to the famous Tretyakov Gallery while making everyday purchases.

For any VTB Bank of Moscow debit, you can order up to 4 additional MasterCard Standard cards linked to the same card account, with which it is also convenient to pay for purchases and withdraw cash. At the same time, the holder of the main card has the right to set the necessary limits on transactions for each “additional card” in order to limit the spending of its user (for example, a child).

VTB24 Debit Multicard

The new universal VTB 24 card is available as a debit or credit card. Debit Multicard combines the following parameters:

• free release and shareware;
• accrual of interest on the balance of funds on the balance sheet;
• Savings account service;
• free transfers to cards/accounts of other banks;
• free cash withdrawals from any ATMs;
• multi-currency due to the ability to issue free additional cards in a currency different from the currency of the main card account;
• bonus program with increased cashback for purchases of services / goods of the selected category;
• free SMS information, Internet banking and mobile application for smartphones.

Please note: the holder of a debit Multicard has the opportunity to order up to 5 additional cards of any type for themselves and their loved ones - both debit cards and credit cards.

But to open a credit card at VTB Bank, you must meet the issuer’s requirements for the borrower:

• age 21-68 years;
• Russian citizenship;
• registration at the place of residence (in the region where the bank operates);
• income from 30 thousand rubles. for a resident of Moscow / Moscow region, from 20 thousand - from any other region.

Registration and cost of Multicard

The mandatory requirement for a holder of a universal VTB 24 bank card is to be at least 18 years old.

A person with Russian citizenship, whose identity is confirmed by a passport of a citizen of the Russian Federation, can submit an application for a Multicard through the website multicard.vtb24.ru or page.

A client with a different nationality/ID should contact a branch of the issuing bank to submit an application.

A VTB 24 bank card is completely free for the holder if at least one of the conditions is met:

• the total balance of funds on the client’s accounts - the master account (the main account of the VTB24 client), current and Savings account - no less than 15 thousand rubles;
• the amount of purchases on the main and additional cards is at least 15 thousand rubles;
• receipt of remuneration for labor of at least 15 thousand rubles to the master account from a legal entity or individual entrepreneur.

If all conditions are not met, a service fee of RUB 249 will be charged. per month.

Important: the Multicard service fee does not depend on the number of VTB 24 plastic cards and accounts opened within this package of VTB 24 banking services.

Savings account and interest on balance

Another important feature that distinguishes the VTB 24 debit card is the conditions for the comfortable accumulation of funds in the holder’s accounts with the issuing bank and the accrual of interest on the balance.

With the Multicard, each client can independently open a Savings Account in the Internet bank or mobile application, store money on it and receive good interest.

The amount of interest depends on the period of storage of funds in the Savings Account (hereinafter - NA) and the total amount of purchases on the main and additional cards (hereinafter - on the Multicard). In this case, the interest rate is determined by two components:

• base interest rate;
• a supplement to it.

The base rate increases depending on the duration of storage of money in the National Bank:

• from the first month - 4%;
• from the 3rd month - 5%;
• from the 6th - 6%;
• from the 12th - 8.5%.

Supplement to the base rate depending on the amount of purchases on the Multicard:

• 5 - 15 thousand rubles. - 0.5%;
• 15 - 75 thousand rubles. - 1%;
• from 75 thousand rubles. - 1.5%.

Important: the bonus is accrued and paid subject to activation of the “Savings” bonus option. By enabling this option, the holder refuses to receive cashback.

Accordingly, from the second year of using the banking product, a client who has connected “Savings” can receive 10% per annum on the balance of funds on the NS.

If another bonus option is selected, the holder receives interest on the balance in the master account:

• 1% - with a monthly purchase amount of 5 - 15 thousand rubles;
• 2% - 15 - 75 thousand rubles.
• 5% - from 75 thousand rubles.

Interest is calculated on the minimum account balance during the month and is paid at the end of the next month. Income for the last month is not paid in case of closure of the NS/master account.

Transfers, payments and cash withdrawals

With active use of the MultiCard, the holder also has access to free online Card2Card transfers and interbank transfers to current accounts using the details of financial organizations.

The limit on free transfers without commission also depends on the amount of purchases paid with Multicard during the month:

• 5 - 15 thousand rubles. - 15 thousand;
• 15 - 75 thousand rubles. - 75 thousand;
• from 75 thousand rubles. - 150 thousand rubles.

When the transaction is completed, the commission is withheld, but at the end of the next month it is returned to the master account if the client has fulfilled the conditions regarding purchases.

Similar limits apply to free cash withdrawals from ATMs of third-party banks. When performing these operations, the commission is first charged in the same way, and then returned based on the results of the month.

It is recommended to make transfers through the Internet bank or mobile application, where, among other things, detailed information on the VTB 24 card is available - transaction history, amount of accrued cashback and income in the form of interest on the balance, details for receiving interbank transfers to the master account in rubles , US dollars or euros, etc.

Pros of the offer: bonus program and cashback

The VTB 24 plastic card also allows you to receive income from purchases made, the amount of which, in addition to the amount of goods and services purchased, depends on the selected bonus option:

• “Restaurants” or “Auto” - up to 10% cashback for purchases in the corresponding category;
• “Travel” or “Collection” - up to 4%, respectively, in miles or bonuses for any purchases;
• “Cash Back” - up to 2% for any purchases.

Important: a connected bonus option can be changed free of charge once a month.

Another undoubted advantage of the VTB debit card is excellent limits on cash withdrawals without commission at “native” ATMs: 350 thousand rubles. per day and 2 million rubles. per month.

Disadvantages of the VTB 24 debit card

Since Multicard is a completely new product, it is too early to evaluate the reviews of this debit card from VTB 24. But some shortcomings can already be detected:

• high cost of paid services if the conditions of free services are not met;
• really high cashback and interest on the balance are available only for spending amounts of 75 thousand rubles or more. / month;
• high commission for cash withdrawals and other transactions through the cash desk (cashier-operator) of VTB24;
• unlike most issuers, VTB24 does not classify payments for communication services and housing and communal services as any purchases for which cashback is not due;
• Incoming transfers by Card2Card, or so-called, are not possible. withdrawing money from cards of other banks. True, as a representative of the financial institution reported on the Banki.ru forum, they plan to activate this service.

Mastercard "Super 3"

Mastercard “Super 3” (“Super Troika”) is a VTB Bank of Moscow debit card with a transport application in the form of a universal electronic travel card of the same name.

Product Features:

• cashback 5% for ticket purchases in the capital’s metro, 3% for other purchases;
• 10 welcome trips for purchases over 10 thousand rubles. in the first month from the date of release of plastic;
• accumulated funds (no more than 3,000 rubles/month) can be used to pay for travel on public transport by registering for an electronic travel card in metro terminals or the Elecsnet system. In addition to travel, Troika can pay for visits to Moscow skating rinks, the planetarium, the zoo and the Tretyakov Gallery;
• “Super Troika” is a VTB card with an online application, the only one in the Bank of Moscow line (the rest must be ordered at branches);
• The travel card can also be topped up with cash at terminals or by transfer through online banking or a mobile application using the Troika number on the back of the plastic.

• the issue is free;
• free service with a balance of at least 30 thousand rubles. or the amount of purchases from 15 thousand rubles. / month;
• 99 rub./month. for service in other cases;
• 59 rub./month. cost of SMS notifications from the third month;
• Card2Card replenishment without commission;

The advantage of the product is the availability of cashback.

Flaws:

• cashback can only be spent on topping up Troika;
• if the terms of free service are not met, RUB 1,188. / year the fee is too high;
• the high cost of SMS notifications;
• a huge fine for technical overdraft - 50% per annum.

Classic VTB debit cards

The bank cards of VTB Bank of Moscow of the classical category are worthy of attention, combining a low cost with a fairly large range of opportunities available to the holder - convenient replenishment of the balance and withdrawal of cash, non-cash payments at any points of sale equipped with POS terminals, online payments and transfers, free use Visa or MasterCard card abroad.

• card type - MasterCard Standard, Visa Classic or MIR Classic;
• the issue is free;
• service cost - 750 rub. / year;
• the ability to order up to 4 additional cards costing 450 rubles. / year each;
• the cost of SMS notifications is 59 rubles. / month (from the third month);
• Card2Card replenishment without commission;
• payments and transfers in the Internet bank and mobile application, as well as cash withdrawals from VTB ATMs without commission.

The advantage of the VTB Bank of Moscow product line is that with a large network of VTB ATMs and comparable, or even the same cost of service as Sberbank, the financial organization of the VTB Group provides a quality of service that causes much fewer complaints than that of Sberbank.

Flaws:

• the bank is inferior in quality of service to large private financial companies;
• large fine for technical overdraft (50% per annum);
• high minimum commission for cash withdrawals from third-party ATMs.

Other debit cards of VTB Bank of Moscow

Let us name the conditions under which VTB Bank of Moscow offers other types of debit cards.

Annual maintenance cost:

• VTB MasterCard or Visa gold debit card - 3,000 rubles;
• platinum Visa card – 9,000 rubles;
• cards for patrons of the arts “Gift to the Shrine” and “State Tretyakov Gallery - VTB - VISA” classic - 900 rubles;
• “Gift to the Shrine” Visa Infinite for VIP clients - 24 thousand rubles;
• “State Tretyakov Gallery - VTB - VISA” Gold – 3000 rubles, Platinum – 9000 rubles, Infinite – 24 thousand rubles.

Advantages of card special offers:

1. Each VTB international payment system bank card provides access to special offers and discounts from MasterCard Worldwide or Visa Inc. With Gold class products and above, customers participate in the corresponding premium programs.
2. VTB debit cards for benefactors are offered with different options of magnificent design: “Gift to the Shrine” - with images of temples and monasteries, “Tretyakov Gallery” - with reproductions of painting masterpieces.

Disadvantage: high maintenance cost.

conclusions

Classic VTB bank cards successfully combine low cost with a fairly large range of features and available services. Visa Classic for a philanthropist is a good product for a Russian who is not indifferent to the treasures of Russian culture and spirituality.

The Debit Multicard is suitable for wealthy individuals who want to combine more options in one card product and at the same time do not see the need for Gold, Platinum or Infinite class plastic.

VTB Bank of Moscow premium cards provide access to privileges that are affordable for the financial institution’s VIP clients.

When choosing any card, you need to carefully monitor your transaction history to prevent technical overdraft. It is important to remember that the delivery of an SMS about replenishing your balance does not mean that the money has already been credited to the account - it can take up to 5 days.