Promsvyazbank credit card with preferential. Credit card "145 days" Promsvyazbank. Requirements for customers
Relevance: May 2019
The supercard credit card from Promsvyazbank is able to attract the attention of users with an interesting proposal: a long grace period (145 days), rapid decision making, as well as free output and maintenance.
The credit card refers to the category of platinum, which indicates the privileges and capabilities that can offer MasterCard and Visa cards of this level.
Tariffs and conditions
Promsvyazbank credit card has the following conditions:
- The fee for annual service in the first year is not charged, in the following - 1500 rubles. In case the average cashless turnover around the card over the past year was less than 30 thousand rubles. per month.
- The maximum possible credit limit is 600 thousand rubles. The exact amount is appointed by the bank individually, it will depend on what income from the borrower and what method of its confirmation.
- The limit on the issuance of cash - no more than 500 thousand rubles. daily and no more than 2 million rubles. monthly.
- Interest rate with cashless payment - 34.9% percent per annum.
- Commission for cash cash in ATMs - 4.9%. Minimum cash amount - 299 rubles.
- The first grace period is up to 92 calendar days, follow-up - up to 55 days.
- The minimum monthly payment is 5% of the amount of debt.
- Penalty for the lack of payment on debt, including the minimum payment per month, is 20% per annum from the entire amount of debt. The penalty is calculated for every day of delay.
- Commission during card reissue before its expiration - 1300 rubles.
- Payment for SMS informing - 69 rubles. per month.
Credit card has a bonus system. When paying the purchases of the supercard to the holder's account, bonuses are credited, which can be spent (every 10 bonus points are equal to 1 rub.).
Points can be paid for purchases (up to 90% of the cost of goods and services provided that at least 7,000 points on a card account), they can be sacrificed to charity, pay for services and commissyazbank commissions or exchange bonuses for money.
Credit Card from PromsBabank 145 days has an electronic chip, providing additional protection when paying purchases, and it supports the MasterCard PayPass contactless service technology.
Promsvyazbank Supercard Holder can issue an additional card both for himself and or your loved ones. Annual service on the first additional card is not charged, by the second and subsequent additional cards it will be 999 rubles.
Requirements for holders
Commitment Credit Card Promsvyazbank can any citizen of the Russian Federation whose age is ranging from 21 to 63 years. The overall work experience should be no less than 1 year.
To get a credit card in a bank, a temporary or permanent registration will be required, or a permanent place of work in the regions of the appeal to the Promsvyazbank division.
To confirm income, you need to provide one of the following documents: 2-NDFL certificate, a passport with a marginal control note, which confirms the visit to other countries, not including the CIS countries) during the last six months, the certificate of registration of any vehicle and an account of bank account The cards that are open to the client name.
List of documents required for registration of the application:
- Application form.
- Passport of a citizen of the Russian Federation.
When making a map, the Bank will offer two payment systems: Visa Platinum and MasterCard World. There are no differences in tariffs and opportunities between these cards.
You can fill out an online application for a credit card on the official website of the bank www.psbank.ru.
How to close the map?
If you need to abandon the Promsvyazbank credit card, you will need to close the credit account and make sure that you have no debt left before the bank.
- To do this, visit any bank branch, find out the current balance and leave an application for closing the current account.
- A copy of the application is recommended to assure and save.
- Then get a certificate that you do not have a debt on your credit card and only after that you can give a card to employees to disposal (it is advisable to make sure that it is cut into parts).
Long-term reliable bank work is the best recommendation for consumers. One of the system-generating financial institutions of Russia was recognized by the Commercial Bank Promsvyazbank, which is part of the top three largest private banks of the country.
Features of the bank
PJSC "Promsvyazbank" takes the size of assets 11th place in Russia. Established in 1995 by the Ananya brothers, the financial structure set the task of servicing the business of telecommunications companies. However, the rapid development of the Bank forced the owners to take measures aimed at increasing the versatility of the proposed loan product. This made it possible to attract a large number of customers: legal entities and individuals.
As of 2019 The Bank serves more than 100,000 Russian enterprises and 2 million retail customers. Today, Promsvyazbank's regional network has more than 300 salespoints in 90 regions of the country, which allows 88% of the country's population.
For private clients, the Bank offers a wide range of services: deposits and accumulation, salary maps, investment, consumer lending. One of the main activities of the Bank, in demand by various categories of consumers, is the issue of credit cards.
Types of cards
Promsvyazbank regularly replenishes a line of credit cards with new proposals.
Today, the bank offers 4 types of cards that differ significantly from each other by functionality:
- PSB "Planet";
- premium GRACE currency card;
- Platinum;
- and the credit card with a great popularity with the indiscreet name is supercard.
Bank employees assure that all the conditions provided by the Client on banknotes alone among the best in Russia. Check if it actually conducts an analysis of the functional capabilities of cards and comparing their tariffs.
Conditions
PSB "Planet", produced in two categories - a classic card and a premium-level card, allows its owner to accumulate miles and pay by them in traveling anything: starting from buying a finished tour and before paying a plane ticket. This bank sees its unconditional advantage over competitors' proposals in the Travel category.
A classic card allows you to get 1.5 miles for every 100 spent rubles, the premium card is already charged 2.5 miles for the same amount. For the card holder, visa support and free tourist insurance are 50,000 euros.
The client has the possibility of interest-free cash withdrawal abroad with the amount of 5000 rubles. Annual service according to exposure from tariffs - 399 rubles. per month.
Credit limit on the map of the planet starts from 20,000 rubles. Maximum amount - 400,000 rubles. The grace period is standard - 55 days. The interest rate for the use of money begins from 27.9% per year. Presence in the Wallet Card PSB Plata Premium will already count on more - the credit limit is increased to 600,000 rubles, and the interest rate is reduced to 25.9%.
The service cost in the first year will cost free, but the second and subsequent years monthly commission will be 599 rubles.
The premium Grace currency card feature is that it allows the owner to use borrowed funds in the currency. Maximum credit limit 15000 US dollars or 14,000 euros. The first year of ownership of the card is 0% on credit and 0% for the service if the monthly turnover exceeds 750 euros.
From the second year, the loan percentage will be 9.9% per annum. The map is a convenient tool that allows you to travel with maximum comfort. And her belonging to the category of platinum will allow the owner to receive privileges on trips that correspond to its high social status.
Credit card Platinum is the most modest of all the cards offered by the Bank. The maximum credit limit is only 150,000 rubles. Its service can so be cheaper - 590 rubles. in year. Grace-period - 55 days. Percentage for the use of money 29.9%. When issuing cash, the Bank automatically charges a commission of 1.5% of the amount, but not less than 150 rubles.
Comparing the advantages of the product with other similar, it can be noted that the credit card is positioned as a card for every day. Platinum is the name of the card, and not its category, which, perhaps, can mislead the user until he familiar with the credit conditions offered.
The latter, but not by the value - supercard. Judging from the name, the product developers were to surprise the potential consumer with the unique characteristics of the credit card. And indeed, there is no analogue of any bank.
Her main attractiveness for the borrower is a superliner interest-free lending period, which reaches 145 days! The Master Word Pay Pass premium category map supports contactless payment technology. Maintenance will be absolutely free in one case - if the road turnover exceeds 30,000 rubles. per month.
An enlarged lending limit can also be attributed to the advantages of proposals - up to 600,000 rubles. Interest for credit can fluctuate: from 29.9 for corporate clients up to 34.9% for ordinary borrowers. By purchasing an exclusive, the owner automatically becomes a participant in psbonus loyalty. When accumulating 50,000 points you can exchange them for 5000 rubles.
Another advantage is supercards - the ability to receive discounts in partner organizations. If desired, the client can, spending 333 rubles, arrange a map of individual design. The advantages of the map lies in the ability to use it in debit mode, putting its own money from above. At the same time, the commission for their removal will be zero.
The comparative analysis has shown that Promsvyazbank's proposed maps really deserve consumers. A little embarrassment of the annual service price, but by default, the qualitative loan product of the platinum level can not cost cheaply.
Documents for receipt
The list of documents necessary for obtaining credit card is not very long:
- passport of a citizen of the Russian Federation;
- wage certificate in form.
Additional documents (to choose a client) that may be needed when making a map:
- certificate of registration of a foreign-made car not older than 7 years or domestic not older than 5 years from the date of manufacture;
- an extract on the current account of the client in a third-party banking organization;
- passport with a marker about the departure abroad for the last 6 months;
- current account or account of a bank card operating in Promsvyazbank in the name of the client.
How to arrange a credit card promsvyazbank
Credit card registration is carried out by submitting a package of documents to the Bank's office. The package includes a completed application form and a list of the above documents.
If the borrower has a positive credit history to receive a bank card up to 100,000 rubles. Will not be big problems - the registration of the card employees of the bank will be carried out within an hour. In other cases, the release of the card will have to wait during the week.
Is it possible to place online
The bank provides an opportunity to submit a preliminary application-online using the service on the site. Choosing the most appropriate map for you fill in the corresponding window a small form.
You must specify personal information about yourself, contact details and information on average monthly income. After receiving the application, the credit specialist will contact you in the near future to confirm the information provided.
How to use
The functionality of any credit card is very wide - today on the right credit card is a universal financial instrument that allows you to solve various tasks.
The main purpose of the credit card is to provide the Bank by the Bank by the Client in the lending established by the Lending Treaty. The card allows the owner of the card to carry out non-cash payments for purchases in stores and Internet. It is not forbidden to take cash from the card in special terminals or cash desk.
Using the map you can get a discount system in bank partner organizations and save bonuses. Bonuses are essentially an additional stimulation of customers for the operations on the map.
Bonus points can be exchanged within the framework of established banking rules for gifts, or return money back to the account (Cashback function). Additional service are often tied to cards: free information support, concierge service, hotel reservation, free medical insurance at the exit abroad, etc.
The release of additional cards allows family members to enjoy the financial service provided.
In addition, the card can demonstrate the social status of the owner. The level of gold or platinum indicates the material security of the cardholder.
Banks, trying to overtake each other in a competitive race are looking for new ways to increase customer interest and develop additional privileges that increase the attractiveness of credit cards.
Grace period
The grace period for the entire map is standard - 55 days. The exception is supercard with the declared Grace-period of 145 days.
When using it, it should be understood in some subtleties:
- the first grace lending period is 92 days after receiving and activating the card. The client is exempt from paying interest if at the end of each month pays the minimum contribution of 5% of the debt amount;
- the second grace period starting in the first one is standard - 55 days.
If you extinguish the amount of the loan on the specified time, the additional interest accrual does not occur.
Repayment
Repayment of debt on a credit card is possible by several convenient methods for the client.
We highlight the most common 5 ways that are most often used:
- translation from another debit or credit card;
- in cash at the bank's office;
- through a mobile or Internet bank;
- in any ATM with cash receiving function;
- with an electronic wallet.
These methods are quite enough to have time to pay for the loan at the set time.
Promsvyazbank credit cards are designed mainly to a segment of wealthy users who prefer to receive maximum privileges for their money. The presence of a credit card of a proven bank will be your advantage and will provide a convenient tool for solving financial issues.
Video: Platinum Map Promsvyazbank
Another superproduct on the credit card market we were offered Promsvyazbank. Meet, this is a supercard - a product with super bodies (so presented the card on the official website of the bank), free maintenance for the entire card (4 years), all sorts of pleasant bonuses and a long first period of preferential lending - 145 days (here the keyword is first). In addition, it is drawn up for free and the maximum credit limit on it can reach 600 thousand rubles. And this credit card category Platinum, which speaks of its status, opportunities and privileges that provide cards of this level MasterCard and Visa payment systems. And more tacities, including free SMS informing and Internet bank. UV, you can now exhale.
| Credit Limit Max. | Rate min. |
Grace period | Annual maintenance | Issue | 600000 | 34,9 | 145 | 0 | rubles | % | days | rub. |
| Lending terms | Map service | Requirements for owner | |||
|---|---|---|---|---|---|
| Maximum credit limit | 600000 rub. | Payment fee | Is free | Age | from 21 to 63 years |
| Interest rate | 34,9% | Annual maintenance | 0 rub. | Documentation | in 2 documents |
| Grace period | up to 145 days | SMS-informing | 0 rub. | Bonuses | |
| Minimum payment | 5% | Validity | 4 years | Loyalty program | Privilege Program, Psbonus |
| Grace period for cash withdrawals | Yes | Cash withdrawal at ATM due to loan Your / alien |
4.9% (min. 299 rub.) / 4.9% (min. 299 rub.) | Percentage of customer balance | Not |
| Delivery options: Mail / Courier | No no | Using your own funds | maybe | Cashback (refund) | Not |
| Benefits | Service, design, Internet bank, SMS information - free, card with chip, use of own funds, lack of a commission for removing own funds in ATMs of the Bank and partner banks, advanced bonus program, long-term grace period - up to 145 days | ||||
| disadvantages | High interest rates, high penalties | ||||
Supercard Promsvyazbank
Credit Limit Max.:
Rate min.:
Grace period:
Annual maintenance:
Credit card with free annual service, long first grace period, which is valid for the removal of cash card review
up to 145 days - 1st grace period on the map (hereinafter 55 days)
Lending terms
Maximum credit limit
Interest rate
Grace period
up to 145 days
Minimum payment
Grace period for cash withdrawals
Delivery options: Mail / courier
Map service
Payment fee
Is free
Annual maintenance
SMS - informing
Validity
Cash withdrawal at ATM due to your credit / alien
4.9% (min. 299 rub.) / 4.9% (min. 299 rub.)
Using your own funds
maybe
Requirements for owner
from 21 to 63 years
Documentation
in 2 documents
Loyalty program
Privilege Program, Psbonus
Percentage of customer balance
Cashback (refund)
Service, design, Internet bank, SMS information - free, card with chip, use of own funds, lack of a commission for removing own funds in ATMs of the Bank and partner banks, advanced bonus program, long-term grace period - up to 145 days
High interest rates, high penalties
More about tariffs and conditions
What do you think the tariffs and conditions are good? Also consider thousands of people who decided to become the owners of the supercards after her announcement. But let's go down from heaven to Earth and look at the first customer reviews. Although all the nuances listed below could be found, spreading in tariffs and in the rules of the issue and maintenance of international bank card cards for individuals. These documents are available on the Bank's website.
Order a card via the Internet is quick and easy.
Credit card - a convenient tool for everyday life. It makes it possible to provide additional money for a short period. The Bank Promsvyazbank provides a line of credit cards that have some features and advantages.
Credit Card Opportunities Promsvyazbank
The Bank provides several types of credit cards. One of them is platinum cards.
- PSB Platinum is a premium credit card VISA or MasterCard with a high credit limit. It gives exclusive services, such as free design of additional cards with Standart and Gold chips. You can arrange them on yourself or a native person. Insurance programs are also included: "Card Protection" for holders and "Traveler Protection". In case of loss, the replacement occurs within one day.
- The usual, obtained in Promsvyazbank credit card has a grace period of 55 days. At this time, the percentage of the loan is not credited. However, there is a supercard - Promsvyazbank credit card - 145 days without payments. This is the largest grace period among all offers in the market. It is also platinum and has all the advantages of this type.
Transaero maps group. Three types of execution: Classic, Gold and Platinum. The last two are created according to a special program "Transaero Privilege":
- Promsvyazbank credit card: Positive reviews from those who often use flights;
- Makes it possible to register for a business class counter;
- Increases service priority in the waiting room;
- Allows you to carry 10 kg over baggage norm. Platinum - an additional 15 kg of manual weight;
- VIP service and reservations in Transaero offices;
- Invitation to the Transaero Business Classroom;
- Specifies to Vnukovo and Domodedovo Airport.
All maps have 3D-Secure technology. It allows you to conduct and take secure payments from abroad.
Psbonus. For all subscribers there is a bonus program. When calculating the store through a map, depending on its type, bonuses are accrued. One hundred rubles - 1-2 bonuses that can be paid. In collaborating with the bank stores discounts when buying can reach up to 40%. Also, when receiving a card, an accrual of 200 to 1500 bonuses is accrued.
Comparative Credit Card Characteristics from Promsvyazbank
The table shows Promsvyazbank credit cards in the online comparison:
Platinum cards have the biggest limit and the smallest credit rate. However, such cards are expensive in service and get them harder: you need to have a really high income.
Supercard - has the largest percentage, but free in service and has a big grace period.
Gold and platinum cards have additional privileges in service.
Leave on a credit card online application in Promsvyazbank. For this:
- On the main page of the site, expand the list "Online Services";
- Follow the link "Assistant Selection of a Bank Card";
- At the top Expand the list "Bank cards";
- Click on the "Credit Cards" button;
- Select the map you are interested in and click Apply. "
- Fill out the form, send it to consideration and expect a response from the bank.
You can leave a standard application in any branch of Promsvyazbank.
Requirements for the borrower:
- Citizen of the Russian Federation + permanent registration;
- Age 21 - 63 years;
- Work experience more than 1 year;
- 2 phone numbers.
After making a card, get it in the office of the bank. Card creation time - from 1 to 2 weeks. 
You can also immediately go to Promsvyazbank offices and issue a map there.
When decorated, you need to have documents:
- Statement
- Passport of the Russian Federation
- A copy of the employment book
- Help 2-NDFL
For loyal clients, the procedure can be simplified. There are special suggestions when, according to the application for a credit card, Promsvyazbank and a passport can be obtained from the Gold Card. A card without a limit can be obtained one by one passport.
- The grace period is 55 days. Supercard - 145 days.
- Promsvyazbank credit card Conditions on maturity places standard: at least 5% monthly from the credit amount.
- The penalty for late payout is 20% per annum.
- For cash withdrawal, the commission is charged - 4.9% and per day 500,000 rubles. Excess of this amount is added another 2% of the amount of exceeding.
Credit card enjoys high demand among Russians. It is very convenient to have access to additional financial resources at any time of the day. If the client complies with a number of rules, then this loan may be interest-free. You can get a credit card in almost every Russian bank, but the conditions for their extradition and service can differ significantly. Consider in more detail tariffs for a credit card from Promsvyazbank.
Types of credit cards from Promsvyazbank
In this financial institution, customers can get three types of credit cards:
- Map "PSB Planet";
- "Supercard";
- Map "Platinum".
Each of these cards has its advantages. According to the banknotement "PSB Planet" for non-cash operations, the client charges bonuses that can be used to buy air and train tickets, booking hotels, paying tourist vouchers. This offer is an optimal choice for customers who travel a lot and often go abroad.
According to the "Supercard" there is a long grace period - up to 145 days. This is a standard card for customers who do not want to pay extra interest. The account limit is determined taking into account the income of the borrower, but it cannot exceed 600 thousand rubles. The commission for servicing "plastic" is missing.
Credit card "Platinum" is a profitable offer for high-income customers who want to receive bonuses and privileges in partner companies. The credit limit is 150 thousand rubles, and the Account Service Commission is 590 rubles.
What gives the "supercard"?
"Supercard" from Promsvyazbank is the optimal choice for customers who plan to repay the debt on the account during the preferential period. It is produced in three different classes: Visa Platinum, Mastercard Platinum, MasterCard World. The emission of credit cards with an individual design is possible.
The card has a high level of protection against fraudulent operations and is equipped with an electronic chip. It also provides contactless payments and 3D Secure technology installed.
When receiving a card with a limit to 100 thousand rubles, no certificate of income is required. Also possible alternative revenue confirmation. In addition to the civilian passport, the client needs to provide or PTS on a car, or a passport, or an extract for a salary card. The decision on the issuance of a credit card is accepted within one working day.
According to the Supercard, Promsvyazbank has established favorable tariffs:
- The grace repayment period is up to 145 days. It applies not only to non-cash transactions, but also on cash withdrawal operations.
- In the first year of using the map there is no commission for servicing "plastic". From the second year there is a fee of 1,500 rubles. But if the average monthly turnover on the map is at least 30 thousand rubles, then this Commission is written off.
- High limit - up to 600 thousand rubles.
Privilege data can be obtained not in all banks. See also: . 
How to use a credit card
How to use a credit card 145 days from Promsvyazbank?
It is very important that the customer pays the debt on the map during the preferential period. Otherwise, interest is accrued. The rate is quite high - 34.9% per annum. In mandatory, the borrower must pay the minimum monthly payment. It is 5% of the arrears on the map and plus accrued interest. If the payment has not been made, the bank will accrue a fine of 20% per annum.
It is very important to figure out the order of calculating the grace period, so as not to miss the date of payment. In Promsvyazbank, Grace begins with the first number of each calendar month. The next 25 days is given to the client for debt repayment. According to the "Supercard", the grace period can be extended and reach 145 days, but the minimum payments of the client must contribute.
In order to maximize the card maintenance, it is better to use it only for non-cash transactions. When removing cash in ATMs, an additional commission is charged. It is 4.9% of the amount, but not less than 299 rubles.
If you use the card only for non-cash operations and repay the debt in full within the grace of the period, the overpayment will be zero.
How to arrange a credit card of Promsvyazbank?
How to issue Get a map in this financial institution can a client that meets the following requirements:
- Age from 21 to 63 years;
- The presence of permanent registration in one of the regions of the country, in which the branches of Promsvyazbank are opened;
- The duration of the employment experience of 12 months;
- In the questionnaire, the client must specify two contact phones.
The client needs to fill out the questionnaire and provide documents. The application will be reviewed within one working day. If it is approved, then the client needs to sign a contract service contract. Plastic himself will be ready within 10 working days.
For registration of a credit card in Promsvyazbank, a minimum package of documents is required. It is mandatory a civil passport, SNILS and a second document to choose from (to confirm solvency):
- Certificate in form 2-NDFL;
- Passport with confirmation of travel abroad over the past six months;
- TCP on a car whose age does not exceed seven years;
- Certificate of income in the form of an employer;
- Extract from the bank for 6 months by a salary card.
The process of registration of the card does not take a long time. To speed it up, the client is better to fill out a questionnaire online on the site. Application will be made a preliminary decision. It will only remain to provide documents and sign an agreement.
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