Conditions of credit card OTP Bank "Zipper" - registration, reviews. Online application for credit card zipper "OTP Bank Svyaznoy Map Lightning

OTP Bank is one of the leading Russian banks in the segment consumer lending. His products are in demand among our fellow citizens. According to the credit card "Lightning", the bank offers not only a standard list of functions, but also the ability to compensate for their costs.

Owners This cards can not only use financial resources bank but also get additional income. Of the advantages of "zipper" should be noted:

• There is no commission for the release and maintenance of the card.
• The presence of an electronic chip, 3D Secure and PayPass technologies.
• Not required documentary confirmation of income.

• An interest-free debt repayment period for 55 days.
• Accrual interest on the residue own funds in the amount of 0.1-7% per annum. The maximum rate will be offered to customers who will have from 5 to 200 thousand on the balance sheet. In all other cases, interest accrued at a rate of 0.1%.
• Profitable bonus program. According to its conditions on the credit card, OTP Bank's customer has the opportunity to get a Cash Back by purchases up to 3%. 1.5% of compensation is paid from all non-cash transactions in the amount of more than 100 rubles committed at the expense of credit and own funds.

3% Customer can get for the calculations in the company in which he received a credit card. So partners of the bank on this bonus program DNS protrudes, a lot of furniture, leran, connected. Also, the borrower has the opportunity to get 300 welcome points. To do this, he needs to pay the card in the amount of 2000 rubles due to borrowed money Within 30 days from the date of receipt of the credit card.

And the indisputable advantage is the service in the European Bank, which pays great attention to the quality of servicing its customers and their satisfaction with the products offered.

Credit Card

You can arrange a link "Lightning" only in the salons mobile communications "Svyaznoy". To get it enough to provide a passport and fill out the questionnaire. If the application is consistent, the client is immediately issued a nonien card.

Important! Opportunities to order and file a credit card of the OTD bank online application, no. It is only necessary to contact "connected". Salon addresses can be found on the site of the bank.

A citizen of Russia, whose age is from 21 to 69 years old may issue a "Lightning" map. Labor experience - from three months. The presence of permanent registration in one of the regions of the Bank's presence is mandatory.

After the borrower received a credit card, you need to carefully carefully examine the tariffs. After that - to activate. To do this, it is enough to call to the Call Center of the Bank free Number 8-800-100-55-55 or 0707 (from mobile). An employee must report its passport data and the password word specified in the questionnaire when making cards. After that, the credit card can be used for calculations: to remove cash in ATMs, pay for purchases on the Internet, trading network.

It must be remembered that the effect of the grace period is distributed only to non-cash operations. In order for the overpayment to be zero, it is necessary not to remove cash and repay the debt during the Grace period in full. In any case, the borrower must pay minimum paymentwhich is 6%, but not less than 600 rubles.

All owners of "Lightning" receive free access to their account through the Internet banking system of OTP Direct. Here you can see the balance of the debt, the date of payment of payment, the amount of accrued interest.

Attention! It is important to pay timely mandatory payment. If it is missing, a penalty of 20% per annum is charged.

Conditions for borrowers

The size of the credit limit is 300 thousand rubles. But it is calculated personally for each borrower, taking into account his solvency.

Interest rate on the "Lightning" map is equal to:

• 19.9-34.9% per annum on non-cash translations;
• 49.9-59.9% per annum on all other operations, including cash withdrawals;
• the rate of 19.9% \u200b\u200bper annum is established by customers who have time to extend the debt on the map for six months.

Customer's costs also include payment of SMS banking, the cost of which is 79 rubles per month. For the release and maintenance of the card, the commission is not charged. You can use the card for calculations not only in Russia, but also beyond.

How to remove cash?

On the "Lightning" map, a limit on cash withdrawal is 45 thousand rubles per month.

The removal of cash in any ATMs and cash desks will be charged the same commission. It is 3.99% +390 rubles. The Commission is written off the card account and is taken into account in the formation of debt.

Hello everyone!

Thank you for, I continue to review the cards with Cachebank from the Bank of OTD: today in line plastic with a very interesting title "Lightning".

This is also a credit card that can accrue Cashback. Therefore, if a more profitable and popular version of plastic () we rejected you, you can try happiness with this product.

According to statistics, 8 out of 10 applications are approved, so you can believe in success. But first you need to know what to get ready for, so we begin our review on the Lightning Credit Card from the bank.

If the Red-Bank flagship is "Big Cashback" - at least somehow glowed in advertising on the Internet, then this is absolutely impossible to say about the "zipper".

You can learn about it in two cases:

1. Accidentally found on the official website of the OTD-Bank;
2. Get insight after the real discharge came to mind.

Here you choose yourself, what option do you like more!

The same is the same credit card MasterCard WORLD, only the color is more fun. In addition, there is a non-contact payment system, so all "clearly" with this weather forecast.

Availability

After the cant has revealed with the receipt of a "big cashback" credit from the Rate-Bank, the main issue is: it is easy or difficult to get a "zipper"?

IN this case Requirements are much less, for example, no salary information is required. Here is a list of requirements:

• Being a citizen of the Russian Federation aged 21 to 69 years inclusive;
• Have a permanent residence;
• Have a workplace at least the last three months or pension certificate.

In theory, only a passport is required to submit an application, but may still require:

1. Reduss;
2. International passport;
3. Driver's license.

So it will be more logical something from this immediately with you and grab.

In addition, these documents will increase the likelihood that the card will approve. However, not everyone will want to shine excess data - it is to solve you.

The map is really issued to almost everyone. But this is, among other things, due to the fact that the maximum credit limit is only 300 thousand rubles. For comparison, the "Big Cashback Plastic" it comes to a million rubles.

If you need a credit card for 300 thousand, then look around - she, at least, the service will be better.

So, here we have a surprising period standard - 55 days. Consists of two periods:

• the first 30 days - you can spend credit money;
• the following 25 - you need to pay spent.

It sounds difficult, but all can be tracked in free mobile application from serving bank . Of course, from this point of view, since its software has repeatedly admitted to the fuel: not just a zipper, but a real guiding star.

Cashback on the credit card "Zipper" from OTP

After we found out that there is nothing impossible in obtaining a "Lightning" credit card from SPO-Bank, it's time to learn that, in fact, we get, except the Scar of Harry Potter on the forehead.

I will say briefly: cashback is mediocre .

Everything that customer can count on:

• 1.5% for all purchases;
• 3% on purchases from partners (before was, now this option fell off - not available).

If compared with the same "platinum" from Tinkoff, then she knows how:

• 1% for all purchases;
• Up to 30% of partners.

And if you have been driving and take, then there are 2% at all on everything, and also bonuses for travel.

But it is possible to dream for a long time, so let's go back to our plastic.

Kashback on the "Lightning" map from OTP is credited in bonuses. Maximum accrual - 2000 bonuses per month, which is not so much.

On the other hand, these are spending in the amount of more than 130 thousand rubles. Bonuses are accrued only on operations over 100 rubles.

But this bonus cachek on the "lightning" from SPO can be obtained even. And here the following Cashbank operations are not subject to:

• payment rates,
• bet,
• lombards,
• tote
• replenishment of electronic wallets and similar.

Bonuses automatically turn into rubles each tenth of the month at 1k1 - It's great and convenient: no hidden commissions, translations and problems.

If the goods were returned, or the purchase was canceled, then Cashback from the "Lightning" card from the POD-Bank will be taken back. But this is a normal practice for all bank cards.

Bonuses

Map "Lightning" from SPO-Bank is trying to attract loyal conditions and bonuses, for example, on the first purchase.

If its amount is more than 2,000 rubles, and the purchase itself will be made within 30 days from the date of receipt of the plastic, the bank will throw you at 300 bonuses from above.

Here is a generous proposal, right?

We must take!

Honestly, such moments are mixed. Take the same Tinkoff - he often offers 1-5k bonuses for the first purchase or even just for the registration of the card: here it is for .

By the way, everything is so bad here that the Bank itself reminds of the "priceless cities" program from MasterCard. In theory, this program gives discounts in various cafes, restaurants, hotels and so on.

But how you can guess, price tag in such establishments such that at one glance at the check can really get a discharge.

In short, this discount in 10-20% will not save.

Visor - Free!

"Lightning" is still free, although produced since 2017 .

For comparison, the Big Cashback credit card began to be issued in 2018 and was originally free. But literally and years did not pass, as its release began 3000 rubles + 200 rubles per service monthly.

Someone felt Haip and decided to work out. As a result, only "died". But for SMS KI will have to pay 79 rubles every month. I advise you to disable this option at once and download the mobile application.

Reviews for credit card OTP "Zipper"

The map is popular to call in any way, since it does not work out its name and does not offer anything interesting and unique.

In this regard, and reviews for a Lightning Credit Card from SPO-Bank Find difficult - If someone issued plastic by chance, then it is simply not recognized.

Of course, I, as always, rummaged the whole Internet for the sake of you and mined fresh reviews about the map "Zipper" from OTD.

For example, on the link there is a full-fledged discussion of this record on the forum "Bank.ru".

I want to pay attention to what comes in the reviews of the "Lightning" map from OTP a lot of complaints about not quite the right job of the Bank: for example, the account number does not close at the request, and then the client goes to Penny. Trying even in the trifles to fit a penny from a person - I do not accept such brandly fineness.

Pros and cons

In nature, zipper is a necessity, since the sky must be splashing somewhere.

Issued this map I was given a map in the "Euroset" salon without problems, the design took 15 minutes. From the documents you need, only a passport and nothing superfluous. So that's what I want to say about this card ...

Long wanted to purchase a credit card with preferential period On purchases, but I didn't know what ... I went somehow in the "Euroset", there the girl did himself, well, well, that's the same ... It's good that the passport was with you. I often make purchases in stores, but since the money does not always happen, and I don't want to wait until the salary, therefore such cards as "zipper" with a credit limit for me are profitable ... There are many such cards, just all your conditions. Specifically about this card I can say that "%" is big, if you get an instant loan for cash withdrawal is not profitable because large percentage For the credit itself + percentage of cash withdrawal, which is also not small. It is profitable for this card that there are 55 days when you don't take the interest for the use of money if you pay the card in stores, that is, without cash, which also has a credit limit, but to remove on the face, the percentage is accrued daily, with first day + for removal. But there are nuances, you need to understand that the difference is not 55 days and to 55 days (and not to delay, since this also has its own mafia). There are still no big plusings - accrual percent on the balance of your own funds, i.e. If you have a loan for purchases on the map, you just decided to put your money for interest, and then if you have over 5,000 thousand then up to 7% per annum, If less than this amount, then 0.1% per annum. What is quite good, but it is worth understanding the difference whether to put money for the percentage? At such a map, or on other cards with a limit loan, the percentage of the residue is of course lures, but you do not forget for the percentage of removal: which is fixed 2, 99% of the removal of the amount and 290 rubles for the removal of the amount. So is it worth thinking? The benefit is only when without non-cash .... there is an advantage of free annual service, which is wonderful ... (I can assume that "free" - just the first first year of service. I myself use this card for the second month, my income for using this card is still I did not see, (i.e., cachek for buying 1.5% of the amount spent) is not enough, but if the sum of the money spent exceeds 2000 thousand rubles, then 300 rubles will return to you. Therefore, for this map it is beneficial for me to buy clothes, from For this, I took it and took it .... I did not like it, the fact that Keshbeks are not charged immediately and not next. Day, or rather accrued every day, after buying and paying according to the contract, this is straining .... about other nuances to read ourselves on the Internet. Thank you for your attention!

Video Overview

Want to buy an expensive thing, but you do not have enough money for it? Crop the bank can fix the situation. Now this payment facility bank issues individuals per day. Card design can be carried out on a passport in the bank or remotely separation.

Conducting credit cards in OTP Bank

For those who want to order a credit card, OTP Bank have such conditions for working with the payment agent:

• interest on the loan - 24.90% per annum (in the bank there is a single bet);
• credit limit on the card - up to a million rubles;
• the grace period of lending is 50 days;
• release 5 additional cards;
• free annual service ( free maps They offer many banks of Russia).

Also credit cards allow you to get cachek for large shopping.

Get credit ref Bank can all citizens of Russia. To do this, it is enough for them to submit a request for the issuance of a credit card on the organization's website. An online application for such a means can be filed at any convenient time. The bank will consider it in an hour. If the application is approved, it will be necessary to come to the department, select the design of the payment agent and make a credit card of the OTD of the Bank along with the contract. The credit card will be active on the day of receipt.

Modern man cash You can need to pay for purchases or services at any time, and you are not always possible to ask for debt among friends and friends. A credit card will help to quickly get out of the temporary financial difficulty, but in most cases a lot of time can leave for its design. However, it is not worthwhile - the problem will help to quickly solve the problem from OTD Bank's credit card. You can get it instantly and even without visiting the office of the Bank's service.

Map features

When there is a need to issue a credit card, borrowers are usually addressed to the Bank's Office or send a request through the site. credit institution. In the case of a "Lightning" credit card, you do not need to go to the bank to apply. This is a joint project of OTP Bank and "Svyaznoy-Club", plastic spreads through trading network "Svyaznoy". The ability to receive a credit card right in the store significantly increases its availability.

Conditions

Credit card "Lightning" from OTP Bank is a full payment tool that can be used worldwide. Conditions on the credit card are as follows:

• free release;
• free annual service;
• credit limit - up to 300,000 rubles;
• rate - from 19.9%;
• monthly payment - 6% of the amount of debt;
• interest-free period - up to 55 days;
• Cash back From all purchases - 1.5%;
• contact payments Pay Pass;
• percentages for the residue - up to 7 per annum;
• discounts I. special offers from MasterCard partners;
• free transfer of money to another card;
• control of expenses

How to get a

In order to get a "Lightning" credit card, OTP Bank is enough to visit one of the salons of the "connected" in its city. The application will take a store employee, it will also give plastic, which will be in inactive condition. To activate and receive the PIN code, prepare a handle and paper, call the free number 8-800-700-56-59 and follow the tips of the autoinformer. You can then proceed to pay for goods and services.

Bank requirements for the borrower

OTP Bank does not make any special requirements to its borrowers:

• age - 21-69 years;
• citizenship of the Russian Federation;
• permanent registration and actual accommodation in the region, where there are separations of OTP Bank;
• permanent employment and experience in the last place of work from 3 months;
• the presence of a pension (for retirement clients).

What documents are needed

The only one necessary document To obtain a credit card "Lightning" is. It is very important that it is not overdue, did not have torn, evaporated or remembered pages and unnecessary records. If your passport is in an unsatisfactory condition, the Bank will refuse to issue a loan (but the reason for the refusal to you, of course, will not report).

How to use "zipper"

In order not to simply use borrowed funds on a credit card, but also to extract the maximum benefit from this, it is important to take into account some nuances. We will analyze more.

Surprising period

It is very important to correctly understand the essence of an interest-free period in order not to disturb its conditions and not overpay on the loan. It consists of two parts:

• established period (1 - 30 Number of each month) - time to make purchases on a credit card;
• repayment period (1-25 number of the month following calculated) - term full repayment Debt formed during the estimated period.

The term of 55 days is the maximum value of an interest-free period. For example, if you have one purchase on credit 1 number and another 30 number, then in any case, in order to avoid overpays, you need to return both amounts up to the 25th day of the next month. When removing cash, the interest-free period is not valid.

Cash Back

Cash back in the amount of 1.5% of the purchase amount is charged on the Card bonus account once a month 10 of the number for the previous month. Maximum amount Bonuses is 2000 rubles per month. When this amount is reached, the accrual of bonuses stops until next month. Then Cash BACK accrual starts again and only with purchases of the current month.

Cash BACK is not performed when performing:

• cash transfers and cash withdrawals;
• replenishment of electronic wallets;
• payment of insurance and financial services;
• shopping lottery tickets, rates in casino and tote;
• payment services.

Repayment of credit

To make the amount of the monthly payment or the entire amount of the debt, you just need to replenish your credit card in one of the following ways:

1. Use the online translation service from the map to the map on the OTD Bank website. For internal translations, the Commission is not charged. When using other payment instruments financial institutions The issuer of the card can make payment for the service.
2. Run the translation between your cards via the Internet Bank "Speakers".
3. Replenish the account of the card through the branches and aTMs Ref Bank.
4. Top up the account through self-service terminals or in the trading points of the Bank's partners. When making a payment through partners, you must provide your passport, a card number or contract. When using the terminal, select the "Repayment of Credits" section and click "Topill Map".

About pluses and minuses

An important feature of "zipper" is its availability in attractive interest rate from 19.9%. When decorated, the Bank sets the bid individually, but it is ready to reduce it with timely making monthly payments within 6 months. Thus, long-term lending is necessary to reduce the bet. For profitable use of your card, try to make large purchases in the first days of the month to have time to pay off debt without paying interest during the interest-free period.

Credit Cards - My Experience and Terms of Use: Video