A debit bank card is a convenient payment instrument that allows you to carry out a wide range of financial transactions. Its main advantage is that it replaces cash, which is not always convenient and safe to carry with you (for example, if you are planning to make a large purchase). In this article we will look at what types of debit cards are offered by OTP Bank, one of the leaders in financial services not only in Russia, but also in Europe.
Types of debit cards
OTP Bank products are very popular among Russians. The financial institution offers its clients to issue several types of plastic. We consider the current conditions and tariffs in the table below:
| Name | Currency | The amount of interest accrued on the balance of funds | Maintenance cost per month | Peculiarities |
|---|---|---|---|---|
| MasterCard Gold | Rubles | 0.065 | 149 rubles | For clients who plan to use plastic not only in Russia, but also abroad. |
| MasterCard Unembossed | Rubles | 5,5% | 49 rubles | Suitable for those who want to receive income from a deposit without overpaying. |
| MasterCard Standard in currency | Dollars or euros | Not provided | 20 dollars or euros | Allows you to make profitable purchases abroad. |
| MasterCard Standard in rubles | Rubles | Not provided | No charge | Intended for young people aged 18 to 25 years. |
| World Map “Happy Time” | Rubles | Not provided | No charge | The terms of the card are suitable for people of retirement age. |
Features and Benefits
Plastic from OTP Bank has many advantages. Among them it is worth noting the following:
- it is international, therefore it allows you to carry out income and expense transactions abroad;
- You can deposit money into your account through a bank cash desk or by transfer from another account;
- in order to prevent fraud, bank employees constantly monitor transactions carried out using the card;
- the 3D-Secure service is connected to the plastic, which allows you to make secure payments on the Internet;
- Currency conversion occurs automatically at the most favorable rate;
- the bank guarantees its clients the export of funds abroad without delays and bureaucratic procedures;
- Bonuses are awarded for paying for goods and services with a card.
This payment instrument is really very convenient and will not let you down in any situation.
It is known that issuing a debit card is much easier than a credit card. This is due to the fact that the client does not need to prove to the bank his solvency and reliability. To apply for plastic, you need to visit the OTP branch and write a corresponding application. You only need to have one document with you - a Russian passport. It takes on average 3 days to produce plastic, after which it can be picked up at the bank or ordered delivered to your home.
Registration online
Not every person can take the time to visit a bank. Therefore, OTP Bank provides its clients with the opportunity to order a payment instrument online on the official website. To do this, go to the “Debit and Credit Cards” section and select “Application for a payment card”. The client will be asked to select the type of card and fill out a form where he will need to indicate his full name and contact information.
After submitting the online application, a bank employee will call you back to clarify the information and answer all your questions. As in the first case, the plastic will be ready after 3 days.
OTP Bank has developed several types of debit plastic: MasterCard Gold, MasterCard Unembossed, MasterCard Standard in foreign currency, MasterCard Standard in rubles and the World card “Happy Time”. All of them have favorable conditions and tariffs; some have a deposit and free service. Which product to choose depends on the purpose of use and individual wishes of each person.
OTP Bank has only 4 debit products (for travelers, GOLD, youth), but our attention was attracted by the Unembossed income card of the Mastercard payment system. Acceptable interest conditions on the account balance, no issue fee and annual maintenance made plastic a very convenient payment instrument in the hands of any owner.
Internet bank when receiving profitable plastic
Each owner of an OTP Bank debit card has access to OTP-Direct Internet banking, SMS banking, SMS service and a mobile application for modern smartphones.
Internet banking is absolutely free to use and there is no connection fee. To use the service, you need to visit a bank branch and conclude a remote banking service agreement. After this, the employee will issue a login to enter the system, and an SMS message with a temporary password will be sent to the phone number specified in the application for issue and maintenance of the card.
Having received all the passwords and logins, you can log into the OTPdirect online bank from the official website on the Internet. When you first log in, the system will prompt you to change your password, be sure to change it to a new one.
In the OTP Internet bank, you can make more than 100 transactions (payment for housing and communal services, mobile communications, payments on loan obligations, transfers to accounts and cards of other banks, and much more).
Owners of smartphones running IOS or Android can download the Mobile Banking application, which offers the same functions as standard Internet banking.
SMS banking is another convenient service for owners of any phone. To find out the balance on the card, get a list of recent transactions, block the card, etc. All you need to do is send a short command in the form of an SMS message to number 5927. The cost of one message is determined by the tariffs of the mobile operator; there is no additional charge.
Moreover, you can activate SMS notifications to always stay up to date with the latest card transactions. The service will cost the owner 59 rubles monthly commission.
Transfer to an OTP Bank card - where can I find the details?
Most transfers can be made knowing only the recipient's card number. You can see it on the front side of the plastic; it consists of 16 or 18 digits, respectively. If you need to find out the account number to which the card is linked, just send a short SMS message to number 5927 with the following content: REKV “space” 1234** (where ** is the last 4 digits of your card). You can also find out your account number in online banking, a mobile application or by calling the customer hotline.
Information such as BIC, corr. account, bank TIN can be clarified on the official website in the “About the Bank” - “Details” section.
Bonuses and features
The main and only bonus of a debit card from OTP Bank is the accrual of interest on the account balance.
The interest rate is determined on the last calendar day of the month and is set depending on the minimum balance that was on the client’s account during the calendar month for which interest is paid (the minimum balance is determined at the beginning of each operating day).
Disadvantages of debiting from OTP
Profitable debit card of OTP Bank- a very interesting payment instrument that allows you to save money due to the absence of annual maintenance and issue fees, and also make good money on the accrual of interest. However, in order to get the maximum benefit, you must always keep a fairly large fireproof amount on the card. For some, this may be a significant drawback. But in general, the card has no drawbacks, even the commission for transactions at third-party ATMs is small.
The Russian branch of OTP Bank is a member of the OTP financial group (OTP Group), which is a leading player in the banking segment of Central and Eastern Europe. A banking institution on the territory of the Russian Federation provides a full range of banking and financial services for both private (individual) clients and legal entities.
OTP Bank actively promotes such a profitable product as plastic cards, because today almost every person uses it.
We also recommend considering the possibility of obtaining a cash loan from OTP Bank. You can submit your application right here:
A credit card makes it possible to pay with it throughout Russia and abroad. For the client, this is a kind of spare wallet that can be used at any time when necessary. Put it into an ATM or pay for a purchase - that’s why you need an OTP Bank credit card. An online application for this banking product helps a person save time on going to the bank when receiving plastic.
OTP Bank credit cards have various parameters based on which the client can make a choice:
- Belonging to the global payment system.
- Credit limit.
- Plastic card status.
- Possibility of using a grace period.
- Annual interest rate for using credit funds.
- Composition of the package of documents required when applying for a card.
- Bank requirements for a client wishing to purchase a card with a credit limit.
- Daily and monthly limits on cash withdrawals.
- Commission for cash withdrawal.
Distinctive features of OTP Bank credit cards.
- The bank's product line of credit cards is narrow and is represented by only two types: classic and gold status.
- All security of card payment transactions is ensured by the global payment system MasterCard.
- SMS notifications are sent for card transactions, which helps control the debiting of funds from the card.
- The choice of card currency is carried out at the request of the client and his needs (when submitting an online application to OTP Bank, you must indicate the currency)
- The credit maximum for a card product of any status is possible up to one and a half million rubles.
- Loan funds can be used for up to 55 days without paying interest.
- OTP Bank credit card works as a virtual electronic wallet for making payments on the Internet.
- Cash withdrawals are possible at millions of ATMs around the world.
- There is no need to declare funds on cards when traveling abroad.
Documents required for registration OTP Bank credit card.
At OTP Bank, a client can apply for a loan in two ways:
- only by passport,
- upon provision of a complete list of documents (passport, a second document of your choice (pension insurance certificate, TIN, driver’s license, income certificate)).
Requirements for a potential client wishing to apply for an OTP Bank credit card:
- citizenship of the Russian Federation,
- permanent registration in the region where the bank branch is present,
- age from 21 to 55 years for women and 60 years for men, entrepreneurs from 25 years old,
- receiving official income for at least three months and a permanent place of work,
- positive credit history.
Types of credit plastic cards at OTP Bank and their conditions.
MasterCard Standard rubles classic 1,500,000 29.9 (for one document), 24 (for a full package of documents) 600 rub. 55 daysMasterCard Gold rubles premium 1,500,000 29.9 (for one document), 24 (for a full package of documents) 1,800 rubles. 55 daysMasterCard Gold for businessmen rubles premium 1,500,000 29.9 (providing financial statements is not required) 1,800 rub. 55 days
Possibility of applying for a credit card using only one document.
This opportunity to receive a credit card using one document is provided at OTP Bank.
You can open and use a credit product only by presenting your passport. With this type of registration, the credit limit is also possible up to 1,500,000 rubles, and the annual rate will be from 29.9%.
In this case, to determine which is more profitable, We recommend that you familiarize yourself with the conditions of other banks:
Tinkoff credit card
Alfabank credit card with 100 day grace period
Application for a Kviku credit card
Standard application for a credit card with a complete list of documents.Providing documents from the full required list gives the borrower additional benefits, which include a lower interest rate (from 24%) and an increased credit limit.
Registration and receipt of plastic for people engaged in business.
It is often difficult for a businessman (entrepreneur) to obtain a credit bank card for himself, since financial institutions put forward quite strict requirements for such a borrower and for the list of documents and reporting provided. At OTP Bank, to obtain a card with a credit limit for business representatives, it is not necessary to provide financial statements or guarantors.
Features of the grace period for OTP Bank credit cards.
The period exempt from interest payments on OTP Bank credit cards is valid only for non-cash payments for goods or services. The grace period is renewable and begins to operate from the date of card activation, regardless of whether the client used preferential conditions in the previous month or not.
Banking products have taken root in the life of almost every modern person. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before designing a specific option, a potential client needs to take into account the main points, of which there are sometimes quite a lot.
Definition
So, a banking organization issues a plastic payment card intended for settlements using funds belonging to the client. The person places them on this account independently, the amount that he has.
OTP Bank Profitable Gold debit card is a piece of plastic measuring 85.6x53.98 mm. Some financial institutions offer to receive it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and non-registered instruments of various systems (Visa, MasterCard, MIR) are issued.
Cards of any type in the Russian Federation are equipped with special chips for storing data. Some also have a magnetic stripe for compatibility with older devices.
How to make a choice
Financial institutions offer potential clients a variety of products, and understanding such a wide range is not so easy. What points should you pay attention to:
- cashback;
- interest on the balance;
- annual maintenance cost;
- issuing bank;
- methods of depositing and withdrawing cash;
- amount of commission fees;
- availability of overdraft, conditions for it;
- the ability to create an individual plastic design.
What are the advantages
The profitable Gold card of OTP Bank is a profitable and convenient tool for paying for everything its owner needs. This product has many advantages:
- Additional savings due to different options.
- Increased security.
- Convenient payment for purchases in online stores.
- Even greater privileges for those who choose VIP plastic.
- Possibility of receiving cash and making payments anywhere in the world.
- High-quality and inexpensive service.
About use
To make a payment in a store, just insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.
In online stores, the required details are indicated on the corresponding page and, if necessary, a one-time password is entered from SMS.
Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN and then follows the prompts of the device or operator.
Parameters for various available products are conveniently displayed here on one page. The user sees all the information and can immediately compare it to highlight the appropriate options. The necessary calculations are carried out using the online calculator located right there. Having completed the search, the site visitor clicks the “Online application” button and proceeds to fill out the form.
JSC OTP Bank is the largest financial organization operating in Central and Eastern Europe.
In Russia, OTP Bank branches provide domestic consumers with a variety of financial, insurance and investment services.
One of the most current products that are especially popular with OTP Bank are credit cards and debit bank cards.
In order to familiarize yourself with the list of cards offered for use, you need to go to the official website of OTP Bank.
The main page of the site will present different sections of information, one of which is called “Bank Cards”
After going to the department you are interested in, several more points “Credit” and “Debit” cards open, where all the necessary information regarding OTP Bank bank cards is offered.
The main advantage of the “Home Card”, which the bank places special emphasis on, is cashback, or in other words, the return of money to the account after reproducing the payment in the store.
The cashback amount is 3% of the total amount of your purchase.
Important! This service works automatically, without connecting additional options and services.
- You make payments with your “Home” card in any grocery stores;
- OTP Bank returns money to your account in the amount of 3% of the total cost of products;
- the total refund can reach several thousand rubles per month.
Basic information on the “Home Card” tariff:
1. The amount of the credit limit is 10,000-300,000 rubles, the amount is determined by OTP Bank on an individual basis.
2. Credit rate for payment is 24.9% per annum (based on the amount of the allocated loan, paid during the billing period of using the card).
3. For other services, including withdrawing funds from a card, the credit rate is 49.9% per annum.
4. The grace period for interest-free loan repayment is 55 days.
5. At the end of the grace period, the minimum monthly payment is 5% of the credit limit amount (minimum amount 500 rubles).
The first year, the card is serviced by the bank free of charge.
But, from the second year, the service becomes paid, the amount of service is 1,600 rubles per month (payment for annual service is debited once a year on the day the card was activated).
6. Penalty for missing the monthly minimum payment at the end of the grace period - 20% per annum.
The “Home Card” has excellent functionality, which is convenient to control through the special “OTPdirect” application.
- provision of a Russian passport;
- citizenship of the Russian Federation;
- age from 21 to 68 years;
This card can only be issued at OTP Bank branches, where a banking services specialist will help you choose the most favorable conditions for the client.
This credit card is designed for active users of bank cards who like to make purchases through cashless payments.
OTP Bank allows each Molniya card user to set up their personal cashback income in the amount of 1.5% from each purchase.
The main advantages of the Molniya credit card:
Welcome bonus in the amount of 300 rubles when making a one-time purchase in the amount of over 2,000 rubles within 30 days from the date of purchase of the card.
1. Free annual maintenance.
2. 19.9% per annum with timely repayment of loan debt within six months.
3. Replenishment through online OTP banking – free of charge;
4. The grace period for interest-free repayment of loan debt is 55 days.
5. Control of expenses through a special application “OTPdirect”.
6. 7% per annum – income on the balance of own funds.
7. Up to 30% discount from Mastercard program partners.
Mandatory requirements for the card recipient:
- provision of a Russian passport;
- citizenship of the Russian Federation;
- age from 21 to 68 years;
- continuous work experience at the last place of work - 3 months;
- registration on the territory of the Russian Federation and actual residence in the region where the card is issued.
This card can also be issued only at OTP Bank branches in person.
Credit card “Understood”
This card is a special form of preferential lending, for people who are accustomed to making necessary purchases without waiting for the “best” time.
It allows you to use credit card funds in the absence of any interest on the part of the bank, subject to timely repayment of the loan debt in accordance with the grace period of 55 days.
Additional advantages of a clear OTP Bank credit card:
1. The card can be used as an electronic wallet to make online payments in an online store.
2. Loan limit reaching 1,500,000 rubles.
3. The interest rate depends on the loan amount and the repayment period.
4. All information on your card can be obtained through OTP online banking, the OTPdirect service, SMS notifications and 24-hour support from OTP Bank.
5. If you lose your card, you can block it by calling the hotline and reporting the loss.
6. You can withdraw cash all over the world from a large number of ATMs, without additional commission.
7. Pay for a product or service anywhere in the world.
When applying for a clear OTP Bank credit card, it is enough to have your passport with you.
This card is also in the NasterCard Gold format for salary or other clients of OTP Bank.
A very convenient option for those who do not sit still. This card makes it possible to pay bills from anywhere in the world. The card also has convenient storage functionality.
Basic conditions of the Mastercard Gold card:
- 7.5% per annum on the balance of personal funds in the current account;
- international level of the Mastercard payment system;
- control of expenses through a special application OTPdirect;
- SMS notification – 59 rubles per month;
- the issue is free;
- monthly service cost – 149 rubles;
- validity period is three years.
The card can be issued to a person who has reached the age of 18 upon presentation of a passport.
Another very convenient option for those who like to travel.
Mastercard Unembossed has the following advantages:
- up to 7% per annum on the balance of personal funds in the dawn account;
- annual service cost – 588 rubles;
- cost of issuing a card is 99 rubles;
- card validity period – 3 years,
- SMS informing.
Cost control can be controlled through a special OTPdirect application.
World Map “Happy Time”
This card is an excellent solution for domestic consumers. Meets all international standards and does not depend on external economic factors.
The Mir card is convenient not only for salary clients, but also for pensioners.
Conditions of the tariff plan for the World “Happy Time” card:
- free card issue;
- Card validity is 3 years;
- free SMS notification service;
- free service for a year;
- up to 6% per annum on your personal account balance.
Very beneficial for pensioners receiving pension contributions through OTP Bank.
Debit card MasterCard Standard “Molodezhnaya”
This debit card is an economical solution for students.
Important! Registration is only available to persons aged 18 to 25 years inclusive.
Additional information on the “Youth” card tariff plan:
- Card maintenance is free for a year;
- SMS notification service – 59 rubles monthly;
- The card is valid for 3 years.
Debit card MasterCard Standard “For travelers”
OTP Bank offers a currency card “For Travelers”, which is designed for making monetary transactions abroad.
The main difference between this card is its foreign currency account (dollars/euros).
Additional terms:
- annual service cost – 20$/20€;
- The card is issued free of charge;
- SMS notification service – 2$/2€ monthly;
- The card is valid for 3 years.
Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. Federal Law No. 152-FZ of July 27, 2006 “On Personal Data” is not violated.
