Review of debit cards from VTB bank

Bank of Moscow is the second largest credit institution in Russia. The financial institution VTB offers its customers thousands of banking products every year. One of the most popular is the offer for personalized debit cards.

Let's take a look at the conditions under which a potential holder is provided with a debit card from VTB.

VTB: types and characteristics of debit cards

One of the advantages of this financial institution is a large selection of debit products. Let's consider all types and features of debit cards.

VTB multicard

The multicard belongs to the "platinum" category. It is distinguished from other cards by its versatility: it will suit almost all clients. A multicard can be a place for storing money, a cashback card, as well as a card for paying for goods and services on the Internet. This means that you can customize it to suit your needs. To do this, you just need to connect the required package of options.

A client who opens such plastic has the right to free service (if the condition for the minimum requirements for money turnover is met), as well as benefit (thanks to the return of interest on purchases).

Benefits and conditions for individuals and legal entities:

• annual service fee is not charged if the cash turnover for payment from the account is at least 15,000 thousand rubles. per month;
• the ability to keep money in rubles, dollars and euros;
• up to 10% cashback;
• commission-free withdrawal of money throughout Russia at VTB ATMs;
• convenient replenishment;
• receipt (withdrawal) - up to 350 thousand rubles / day and up to 2 million rubles / month;
• balance bonus - up to 7%

Classic debit card

Classic (standard) debit from VTB has an average set of features. The cost of annual use is 750 rubles. The daily limit is 600,000 rubles, the monthly limit is a million. Commission fee is not charged in VTB payment systems, in systems of other banks - 1%.

The advantage of such plastic (mastercard) is the ability to be serviced abroad (for example, an unnamed card cannot be distinguished by this). In addition, you can apply for an overdraft. A classic debit card is valid for two years. After its expiration, it is necessary to apply for a re-release of plastic.

Classic debit card with cashback

The main feature of the classic debit (mastercard) with cashback is the accrual of bonus points by making a non-cash payment, which can be cashed or spent. At the moment, cashback is up to 5% of the amount spent. In addition, such a banking product has the following terms of service and release:

• for registration of one plastic, a small fee of 75 rubles is charged;
• free service if you spend less than 20 thousand rubles a month;
• if the turnover is more than 20 thousand rubles / month, then the service will cost you 39 rubles for thirty days;
• withdrawal fee - 5.5%;
• discounts and gifts are available for use in organizations that are partners of VTB.

Gold debit card

The cost of gold debit plastic is slightly higher than the classic version; nevertheless, it remains a desirable banking product for customers who want to emphasize their status and high income.

VTB gold debit card - benefits and conditions:

• the opportunity to issue for free (no release fee is charged);
• accrual of bonuses for every thirty rubles spent (money for bonuses must be given out at any VTB branch);
• the ability to conveniently manage your account using remote services;
• gold debit - currency card: you have the opportunity to open up to 3 accounts in rubles, dollars and euros.

Platinum debit card

Platinum debit belongs to the highest category of plastic. As a rule, it is drawn up by clients who want to emphasize their status, as well as receive as many privileges as possible from the bank.

Maintenance of such a banking product will cost you free of charge if the monthly cash turnover is at least 65,000 rubles, and the account balance is at least 700,000 rubles.

A platinum debit card allows its holder to receive two additional cards, which can be issued to their friends or relatives. In addition, it can be presented in several currencies at once (rubles, dollars, euros).

When such a product is launched, a bonus program is automatically connected to the plastic, which involves the accrual of 1 bonus for every 25 rubles spent.

Bonus card "Collection"

Bonus (additional) card The collection involves the accrual of bonuses from your purchases and paid services. The number of points depends on the tariff:

You can exchange savings for goods and services in the following areas:

• Gift certificates;
• payment for cinema and theater tickets;
• Appliances;
• childen's goods;
• books;
• clothes;
• shoes.

Auto map

An autocard from VTB is suitable for customers who spend a lot of time behind the wheel. It has the following conditions and capabilities:

• electronic microchip;
• the ability to use funds of non-cash payment in one touch (using PayPass and PayWave technologies);
• annual service cost - 300 rubles;
• cashback accrual in the amount of 3% of payment for fuel at the gas station, in the amount of 1% - for any other purchases.

"Map of impressions"

The VTB Card of Impressions is suitable for those clients who do not sit in one place, but constantly spend time in any institution: in a cafe, theater, cinema, restaurant, gym, etc.

By making a payment in such places, you get 3% cashback.

"World map"

Another type of debit plastic from VTB is the World Premium Card, which is tied to the international Visa Gold system. The advantage of such a card is that payment on it is allowed in any way: by magnetic stripe, using an electronic chip, and payment can also be made using the latest service technology - with one touch.

It should be noted that the Map of the World does not have a cashback or interest on the balance, but it has a bonus program “Miles”, the essence of which is the accumulation of bonus points (miles). Two bonuses are awarded for every 35 rubles spent on the card. You can cash your savings or spend on the purchase of railway and air tickets, booking a hotel or hotel, as well as renting a vehicle.

Conditions for issuing a debit card in vtb

The debit card is accumulative. This is a kind of storage for your money. Unlike credit, debt cannot appear on it. It is for this reason that the conditions for registration are not so strict:

• the presence of a passport of a citizen of the Russian Federation;
• the presence of a permanent residence permit in the region where the VTB Bank branch is located.

As a rule, this is enough for the bank to consider your application for the issue of plastic. Nevertheless, VTB may still request confirmation of your profitability. To do this, you provide any document of your choice:

• certificate in the form 2-NDFL;
• bank statement;
• foreign passport with notes on the passage of customs control;
• documents for the car.

Many holders are interested in the question of how to activate the plastic. Activation is carried out by calling the VTB hotline, at an ATM, as well as in your personal account.

It is worth noting that a citizen of the Russian Federation from any category of the population, including pensioners and students, has the opportunity to order a debit card. A student, for example, can issue a banking product marked “youth”. It all depends on the type of plastic that will be available to you.

How to get a VTB debit card

There is more than one way to get a card from VTB. A potential holder can take advantage of any of them.

Open via online application

The easiest way to get plastic is to apply online. You don't need to go anywhere. You form an application at home using any device that has an Internet connection.

To do this, go to the official website of VTB Bank and fill out the appropriate form, following the prompts and setting the necessary parameters.

How long does it take to make plastic? Within a few days, you should receive a response with a decision of the financial institution. If the answer is yes, you will soon be able to pick up the product at the bank branch. Production time - 7-14 days.

Clearance through the department

People who do not trust the Internet can order any VTB debit card at a VTB branch. To do this, take your passport with you.

After completing the application, you will also need to wait for a decision from the bank. You can pick up the ordered card in 7-14 days.

Free service

Typically, each debit card has an annual service price that depends on the type of card.

However, it is possible to receive services free of charge from VTB account holders who spend from 15,000 rubles per month.

Debit card packages from VTB

It's a great idea to get not just one debit card, but a whole package in this category. This makes it possible to issue additional cards, which imply the accrual of a high percentage of cashback when paying for certain goods and services.

Classic package

The classic debit package from VTB has the following conditions and advantages:

• the package includes the following additional cards: “Individual salary card”, “Cash back card”, “Collection”;
• low service cost (it costs only 75 rubles per month);
• there is a bonus program, which involves the accrual of special bonuses in the amount of 1 point for every 50 rubles spent;
• a client who owns a classic package of services has the opportunity to open a savings account up to 8.5% per annum.

Gold package

Conditions and benefits:

• the package includes the following additional maps: "Collection", "Auto Map", "World", "Impressions";
• opening accounts in three currencies (rubles, dollars and euros);
• automatic connection of an account to a personal account in the VTB24-Online system;
• automatic connection of account information services;
• automatic linking of the cards that the client has to the VTB24-Online system (through which you can also close the card).

Platinum package

Conditions and advantages of the "platinum" package:

• the package includes the following additional cards: VTB program "Collection", "Autocard", "Impressions", "World";
• the ability to open an account in three different currencies (rubles, dollars and euros);
• automatic connection of your main account and additional cards to the VTB-Online system;
• automatic activation of account information services.

Benefits of the Privilege project

• the package includes the following additional cards with tariff plans: “Autocard”, “Impressions”, “World”, “Savings”;
• the ability to open an account in rubles, dollars and euros);
• automatic connection of your account to the VTB24-Online system;
• automatic connection of information services.

Restrictions on use

Restrictions (limit) depends on the category of plastic:

• classic. The daily limit for cashing out funds is 100,000 rubles, the monthly limit is 1,000,000 rubles;
• gold. The daily withdrawal limit must be no more than 250,000 rubles, the monthly limit must be no more than one million;
• platinum. The VTB platinum debit card limit is no more than 350,000 rubles, the monthly limit is no more than three million.
• privilege (black edition). The holder of the Privilege package can cash out up to 400,000 rubles a day, and up to 3 million a month.

Disadvantages of cards

VTB's debit cards have drawbacks. They are as follows:

• lack of a cash insurance program;
• there is no interest on the balance and cash back (only for additional cards);
• there are more cases when an account is closed without a good reason (it will take quite a long time to unblock an account);
• potential holders may not count on quick plastic clearance;

Additional features of vtb cards

As mentioned above, debit from VTB allows its holder to issue cards with additional features by connecting them to the main account. For example, "Autocard" - the ability to return up to 5% of the amount spent at any gas station. You can read about all this in the article a little higher.

It is also worth highlighting some other additional capabilities of VTB, namely the ability to transfer funds to a debit card from a credit card, as well as to issue plastic with an individual (own) design.