SPM Bank online application for a credit card. SMP Bank Online Application Credit Card. Credit card is convenient

Paying for the purchase of VISA bank card "SMP Balticmiles" and Visa "SMP PINS", you will get points. Subsequently, they can be exchanged for free airfare and other privileges.

Map "SMP BalticMiles / Pins Visa Platinum"

Paying for the purchase of VISA bank card "SMP Balticmiles" and Visa "SMP PINS", you will get points. Subsequently, they can be exchanged for free airfare and other privileges.

Map "SMP Aeroflot Bonus Visa Classic / SMP Aeroflot Bonus MC Standard"

Using the map in the partner companies of the Aeroflot Bonus program, you will receive miles twice: from this company and from SMP Bank

Map "SMP Aeroflot Bonus World MasterCard Black Edition"

Free insurance against accident; Free insurance for leaving abroad; the ability to open the contribution "Premium"; Free Concierge Service Services; priority access to the privileged airports waiting rooms around the world; 25% discount for renting a bank safe in the WMP offices of the Bank; participation in the program of the Privilege MasterCard priceless Moscow; Free SMS-Informing About All Card Operations

Card with an individual design

For the use of the card, points are charged, for which, and later receive a premium ticket, to improve the service class on regular Aeroflot flights, as well as use the services of partner companies. Free insurance policy for the Gold program or insurance policy from accidents with an insurance amount of 1 million rubles. The program "Concierge Service Gold". Collection of the "MasterCard Favorites" privileges (for MasterCard Gold card holders); Privileges Visa Premium (for Visa Gold Cardholders)

SMP Aeroflot Card Bonus Platinum

For the use of the card, points are charged, for which, and later receive a premium ticket, to improve the service class on regular Aeroflot flights, as well as use the services of partner companies. Free insurance policy on the program platinum. The program "Concierge Service Platinum". 25% discount for renting a bank safe in SMP Bank. Free services for emergency replacement cards and issuing cash when it lose or damage abroad. Accrual interest on the balance of own funds on the score: 5.25% per annum in rubles and 3.25% in foreign currency

SMP Aeroflot Card Bonus Standard

For the use of the card, points are charged, for which, and later receive a premium ticket, to improve the service class on regular Aeroflot flights, as well as use the services of partner companies. Free insurance policy on the program standard or insurance policy from accidents with the sum insured of 150,000 rubles.

Main Metro Metro Map Maestro

"SMP Metro" combines the functions of a payment bank card and a travel ticket in the Moscow Metro. Accrual 1% per annum on the balance of own funds on account

SMP Metro Card Standard

"SMP Metro" combines the functions of a payment bank card and a travel ticket in the Moscow Metro. Accrual 1% per annum on the balance of own funds on the account. As a gift, an insurance policy is provided with the sum insured: 150,000 rubles. (insurance policy from accidents) or 30,000 euros for 30 calendar days (insurance policy for traveling abroad)

Map of SMP Transaero Gold

Free insurance policy for traveling abroad with an insurance sum of 30,000 euros for 30 days after staying abroad or insurance policy from accidents with the insurance sum of 1 million rubles. Making operations on the SMP Transaero card, the owner will receive points that will later be able to Exchange for free tickets for flights Transaero. The program "Concierge Service Gold". Monthly interest accrual for the amount of own funds on account: 1% per annum

This card is available in 45 cities of Russia, but it is most in demand and is relevant in Moscow. If you live in the capital and often go to the subway, then the "SMP Metro Standart" card will be a very interesting proposal for you.

This card offers the largest metropolitan bank "SMP Bank", and against the background of other credit cards, the proposal from SMP Bank will help to save on trips to the Moscow Metro.

Unlike other banks, the "SPM Bank" does not hide, under what conditions the interest rate is distributed. When providing a full package of documents, you can count on a minimum rate of 23.99% per annum if the package of documents is not complete, then you can get at the maximum rate specified in the table.

The full package of documents includes: passport, 2-NDFL certificate for the last 3 months and a copy of the employment record.

The bonus program is "sharpened" by those who often use the Moscow metro. When paying the map, each trip for you will cost everything in 28 rubles, regardless of the number of trips for the month.

In addition to credit funds, you can use your own, and it is quite convenient to have in the same map all: your funds, credit card and cheap passage to the subway.

The card is produced from the MasterCard payment system for you for free, but the 1st and 2nd year of service will cost you at 450 rubles a year.

The grace period applies to cash withdrawal. If you cash your own funds in ATMs and PVN Bank, then you are exempted from the Commission. In case of cashing credit, get ready to part with 2.99% - this is the Commission.

Pretty low Commission for SMS informing compared to other banks, only 240 rubles per year or equivalent in foreign currency, if the card is issued in euros or US dollars.

Each owner of the "SMP Metro Standart" card is provided with free insurance policy from accidents with an insurance sum of 150 thousand rubles or a policy of traveling abroad.

As with any loan, it is attentive and punctual when repaying debt. With overdue debts, you are waiting for a penalty in the form of 20% per annum from debt.

Pluses of disadvantages

1. The map is focused on the subway.
2. The grace period applies to cash withdrawal.
3. Free provision of the insurance policy.
4. Cheap SMS informing.
5. It is possible to use own funds

1. Paid first year card maintenance.

Bank "SMP Bank" in a good account among customers and has a high popular rating. If you are interested in this offer, then you can get the latest and relevant information in the bank offices or on free phones: 8-800-555-25-55 or 8-800-200-76-46.

If you want to compare Conditions On the map "SMP Metro Standart" with other cards from other banks, then you can do this in the appropriate section.

Good luck and good credit history!

The Bank "Northern Sea Path", submitted in more than 40 cities of the Russian Federation, offers its customers a wide range of services. The year of the founding of the bank is 2001. The central office is located in Moscow. The bank is in the list of thirty largest banks.

Among other services, the Bank is ready to offer several types of cards. This is one gift card, one travel and five bonus cards. With bonus cards, you can accumulate bonuses and miles. Then you can get different bonuses from partners, or free flight.

Credit card is convenient

1. The right amount of money is always at hand.
2. Fast purchase of purchases.
3. No need to wear a lot of cash with you.
4. When crossing the border, you do not need to declare the amount of money.
5. With an overseas trip, it is not necessary to take care of the presence of currency exchange items.

You can make a map easily and simple. For this, you just need to register an application, and follow the instructions when filling out the questionnaire. Consultants on the site will be prompted which documents for this need, you will select the optimal map option for your needs. Will be prompted when and where you can get a ready-made card.

There are no traditional credit cards in the SMP Bank product line. At the same time, a credit limit can be connected to many debit. overdraft. If there is not enough own funds on the map, you can "go out in minus" and until the debt is repaid, use the card as a credit.

Types of cards in "SMP Bank"

The Card issued by the Bank is divided in this way:

• in special purpose (Aeroflot, travel);
• in category (Black Edition, Platinum / Premium, Gold, Classic / Classical, Electronic);
• by the type of payment system (world, MasterCard).

The choice depends on the needs and lifestyle. If you often fly by plane, the map "SMP Aeroflot" will be very by the way. Its feature is that with any purchases you are charged miles, which can be subsequently used to buy a ticket.

Those who are actively useful by public transport, use the "travel SMP" (the program is still regional, only for Moscow and Yekaterinburg). With it, you will have access to preferential fareral conditions. There is even a delayed payment feature.

To the one who is used to spend a lot, it is worth buying a Platinum and Black Edition card. They will help get a good cachex, as well as a number of purchasing bonuses from partners.

Well, for those who save, there is a reason to purchase either a classic or electronic (non-alien) card of payment systems world and MasterCard. Their annual service cost is minimal, and the possibilities of using unlimited.

The ability to connect this service is provided to customers who comply with all of the following conditions:

• salary client of this bank;
• worked at the current place for at least three months;
• age from 21 to 59 years;
• there is a permanent registration in the presence zone of the bank;
• minimum income of 10 000 rubles per month;
• no credit card credit cards or debit with connected overdraft.

To allow the Bank to provide a credit limit, you need to write an application for its connection. In addition, the Bank asks to provide an extract from the account of the salary accrued in the last 3 months.

Debit cards "SMP Bank" can be ordered through an online application, however, to establish a credit limit, documents must be submitted personally.

For electronic (nonien) cards service overdraft is not provided.

How to use Overdraft

Overdraft is a "floating" loan. Do not climb in minus - a debit card, took advantage of the credit limit - the card turned into a credit. Rased the debt together with the thrown percentages - and she again debit. Of course, at first an overdraft limit will be minimal. Subsequently, but not more often than three months, one can apply for its increase. If for some reason in the increase will be denied, the next application is allowed to be submitted in two months.

Service conditions are the same as along the usual "card" loan. During the month following the calculated (i.e., when you took advantage of a credit limit), you need to make a minimum payment. "SMP Bank" defines it in the amount of 5% of the amount of overdraft debt. The difference from the standard credit card is that the date of payment is not appointed; You can enter it throughout the month - from 1 to 30 (31) the number.

You can pay without a commission through terminals or cash registers "SMP Bank" or to use the payment online using the SMP on-Bank system. The remaining methods will be paid for the client.

Annual use of the credit limit, according to the Tariffs of the Bank, depends on the type of the selected card:

The bank allows you to use the grace lending period - if the debt is fully repaid within 55 days, interest for use is not charged.

If it is necessary to receive cash due to overdraft, an additional fee for cash withdrawals will be 3.99% (at least 300 rubles).

Check the balance of the card and get another debt information in ATMs, bank offices, by telephone or SMS, as well as through the Internet Bank.

SMP Bank is a Moscow commercial bank offering services since 2001. In terms of assets, the financial institution is included in the 30s of the largest banks in Russia. The credit organization is engaged in lending, RTO, attracts deposits of the population, conducts operations with securities and performs acquiring. In connection with the US sanctions, introduced in 2014, MPS Visa and Mastercard blocked operations on SMP Bank banking cards. Therefore, the number of emitated plastic products offered by the credit institution is small. At the moment, the Bank is more oriented to the provision of services to corporate clients.

Order Release of plastic can be directly in the bank separation with personal contact. This will require a statement and present an identity document. After the manufacture of plastic, the card is issued to the client.

Also "SMP Bank" offers the possibility of a remote application of the application through the official Internet resource of the bank. After selecting the card product and fill the necessary data, you should send an application by clicking the "Finish" button.

After receiving the application, the Bank's employee will call the client to clarify the timing of the card.

Map activation

Plastic bank card is issued to a customer in inactive condition. For timely activation, you will need to write a statement in the office of the credit institution and from the next day the plastic can be used. If you have questions about the activation process, customers can contact the Bank's support service by calling 8-800-555-25-55.

How to use your card

Card owners from SMP Bank can use plastic in limited mode, since since 2014 the financial institution is included in the sanction list approved by the United States. Therefore, the credit institution currently recommends using the WPC WPC bank cards. Perform operations on such cards can be exclusively in Russian outlets.

To operate card account management, the client has the ability to connect the SMP ON-Bank service. To do this, it is enough to fill out an application for connecting to the bank's office and register at https://smponbank.ru/authorize/logon.

The SMP Bank website has a demo version of the SMP ON-Bank system.

System features:

• Payment for services and transfers.
• View relevant information on account.
• Personal expenses.
• Card lock.
• Autoplates.
• Currency conversion operations.
• Opening accounts and deposits
• 24-hour access.

Also "SMP Bank" offers a mobile version of the application for smartphones.

Methods of replenishment

You can replenish the card account:

• At the office of the branch "SMP Bank".
• External bank transfer from another financial institution.
• Through translation services from the card to the card.
• Through the bank's payment terminal.
• Using terminals "Eleknet".
• With the help of "SMP on-bank".

The client may choose the most convenient way. It is important to pay attention to the amount of commission charged by the service providers for the transfer of funds.

Debit cards

The debit is a great payable tool and means of storing funds. The client does not need to have cash, quite regularly replenish the card account. The use of settlement cards makes the payment process in retail outlets quick and convenient. Calculate the debit can only be within the invocation of a positive balance. "SMP Bank" currently offers several debit plastic products for their customers.

Classic world

The debit of the National Payment System The world for making calculations with a standard service set.

The use of this type of plastic will cost its owner only 300 rubles per year.

"SMP Bank" does not expect additional income to the balance of the account.

Remove funds in third-party devices can not be free. We'll have to pay a commission 1% of the transaction amount, but not less than 100 rubles.

The monthly limit for removal of funds is 600 thousand rubles, while getting more than 150 thousand rubles. per day will not work.

You can replenish the card in the bank's devices for free, but when cash in foreign ATMs, the charge for enrollment will be 0.8% (min. 30 rubles).

The service "SMS-informing" is provided for the first month for free, but then the bank will write off 55 rubles per month.

The list of devices serving the world map is available on the link https://locator.mironline.ru/.

The world is premium

Calculated NPS Card World with additional opportunities from SMP Bank. You can get plastic by referring to a branch or leaving an application for an Internet resource of a credit institution. It is important that the use of the map is possible only in Russia. At the same time, the fee for annual support will be 1,500 rubles.

Additional income on the map is not provided.

Get funds in devices of foreign banks will not work for free. The Commission will be 1% of the transaction amount, but not less than 100 rubles.

"SMP Bank" has established restrictions on cash receipt:

• no more than 300 thousand rubles. per day,
• no more than 1 million rubles. per month.

You can replenish the map in the bank's devices for free, while when you contribute to cash in third-party terminals, the Commission is 0.8% (min. 30 rubles).

According to the Tariffs of the Bank, the fee for the "SMS package" is not taken.

SMP Bank offers additional services for premium cardholders:

• Free insurance against accidents.
• Discount for renting safes 25%.

Also an interesting new service for the owners of premium cards, the world will become "concierge service". As part of this service, the following features are provided:

• Travel organization: Booking and payment of hotels anywhere in the world, buying tickets, car rental, guide services, visa support, consulting assistance and much more.
• Leisure organization: reservation of tables, ticket booking for events.
• Flower delivery, gifts.
• Call taxi and transfer.
• Travel support.
• Health care.
• Information Support: Home Assistance, Language Support, Road Help and Other.

Electronic map Maestro

The simplest debit card with a minimum charge for escort: 150 rubles per year.

This produces plastic for free. The map options are limited to standard operations. You can issue a map only in the office of the bank.

Issuance of funds in the banks without a commission, and in ATMs of other people's credit institutions, the fee will be 1.5%, but not less than 200 rubles.

Restrictions on cash on the map:

• up to 300 thousand rubles. per day,
• up to 50 thousand rubles. per month.

Enrollment of funds when replenished in the terminals of foreign banks are free.

For the use of the SMS-Info service, the Commission 55 rubles will be charged monthly. "SMP ON-Bank" is provided to all customers for free.

MasterCard Standard, Gold, Platinum

"SMP Bank" offers MasterCard PS cards of different categories: classical, gold and platinum. All cards are named and manufactured free. Below is a comparison of conditions according to these products:

Thus, a wider range of services and capabilities are available on the maps of the privileged level. However, not all clients need these options, so they can choose cheaper products with standard cash removal capabilities.

Travel system

The PMP is a calculated card with a transport application. Having such a map, the client can use it to pay for travel by public transport of Moscow and Yekaterinburg on special tariffs. To do this, it is enough to attach a map to the reading device, and payment will be made in deferred mode. For Moscow cards, the total amount of payment of travel is written off once for the previous month. In Yekaterinburg, the calculation is carried out every Tuesday for the previous week. The number of trips paid in this way is not limited.

"SMP Bank" offers transport maps of two types of Maestro and MasterCard Standard. Annual use of each of them will be:

• Travel SMP Maestro - 300 rubles;
• Direct SMP MC Standard - 450 rubles.

Cash issuance in the bank devices is free, and in third-party terminals, the fee will be 1.5% of the transaction amount (min. 200 rubles).

The SMS package provides for 55 rubles every month. SMP ON-Bank is available for free.

Conclusion

At the moment, the direction for the development of the CMP Bank's card business is experiencing not the best times. Therefore, the number of plastic products offered is limited in the inability to provide a number of services to customers. But, nevertheless, the bank is trying to offer favorable tariffs and preferential conditions for attracting and meeting the needs of users.