VTB bank salary cards (gold, world, classic): description, services, loans, advantages and disadvantages

The most commonly used payment method is a bank card with purchase bonuses. Cards come in different payment systems: “master card” and “visa”, they almost do not differ from each other, except for a slight difference in service.

Types of salary cards in VTB

There are several types of salary cards offered for a variety of people, as in any other financial product from VTB Bank. Payroll projects of VTB:

• Classic - "standard".
• Golden - "gold".
• Platinum - "platinum".
• Privilege - "privilege" or "premium".

The classic one has basic functionality, it is simpler than the VTB gold salary card, the advantages are small. Includes free services in Internet and mobile banking, the ability to issue an additional one debit card for free.

In order to become a payroll client of VTB Bank, it is necessary that the organization in which you work has concluded an agreement with the bank for servicing a payroll project.

These products are ordinary debit products, the difference between them lies in the cost of service, tariffs and certain additional services provided by the bank to the client.

Some state, budgetary, military institutions and the army issue the Mir card to their employees. What it is?

"Mir" from VTB for state employees is a salary card that comes in two types: standard and gold. In terms of its usual functionality, it is almost no different from the cards of the international systems Visa and MasterCard, except that it is not intended to pay for purchases outside the territory of the Russian Federation.

Rates

Upon receipt, you must immediately activate and receive a permanent pin code in order to be able to use the services offered by the bank at the selected rate. The validity of the card is up to three years, that is, if you order a card in 2019, then it will end in 2022. Below you can see a comparison by category:

Concierge service is a service available to customers holding a premium card. They have daily contact with a service that provides any assistance or necessary information. You can buy tickets at any theater, ask for help on the road or organize any event - this service makes life much easier.

Cashback is the receipt of points for purchases made. You cannot withdraw bonuses, but you can exchange them for services or purchases.

What is the payroll project for?

VTB payroll project is the most convenient service for receiving wages in any organization, for controlling expenses and paying for various purchases with further bonuses for using them. He has his dignity.

Benefits of VTB payroll cards

What do organizations get if they join the payroll project of VTB Bank? First of all, it saves time and money; salary transfer within 20 minutes, which simplifies the work of an accountant and collection. And:

• The anonymity of payments is guaranteed, all data on salaries are hidden.
• Remote service (Internet banking, SMS) makes it easier to work with money.
• The connection is very simple: it is not necessary to open a current account.

VTB also gives the organization some discounts to the debit card holder, such as the MasterCard Bonus program, for which you can purchase discounted office furniture, equipment and train employees.

Benefits for employers

The Bank provides the heads of the organization with banking products of the Premium class on special terms. Such can be considered cards that an employer can receive absolutely free of charge, bonus programs, a personal manager who will help to conduct business together with VTB.

Benefits for employees

Employees who have been issued a VTB salary card are also offered favorable conditions. They can be considered some special conditions for loans and other financial products of the bank, cashback from VTB and partners, free cash withdrawals from partner ATMs and the ability to connect an overdraft to a card or receive a separate credit card with special conditions.

If you lose the card, then you can safely restore it later: reissue or replacement for employees is absolutely free, as well as its production. The expiration is also not a problem, the change occurs without the participation of the owners.

VTB loan for payroll card holders

Employees of companies that participate in the VTB payroll project are offered preliminary special conditions for lending. In particular, the bank offers credit cards, consumer loans and mortgages with reduced interest rates. What are the conditions for participation in the programs?

• The most important thing is to work in a company for six months and receive a salary on a VTB card for at least 90 days.
• The minimum and maximum age thresholds are from 21 to 65 years.
• The presence of the card where the salary comes.

The main document for obtaining a soft loan is a passport. At the request or request of the bank, the client can provide additional documents, such as a driver's license, SNILS, a foreign passport.

There are two loan options:

1. Connecting an overdraft to a VTB salary card.
2. Issuing a separate credit card or loan.

In the first case, the maximum amount on an overdraft card can be no more than half of the salary received by an employee. In the second, the maximum amount for loans is up to 5 million rubles, the approval of the bank here plays an important role.

Overdraft

An overdraft is a ready-made small short-term loan that can be obtained only as part of a salary project and which has its own conditions and interest. VTB connects an overdraft limit at an annual interest rate of 24%, its maximum amount is 300 thousand rubles. The initial payment is at least 10% of the debt.

Connection is possible simultaneously with the issuance of the card, by signing the necessary loan documents and the form for connecting the loan to the card. The debt is repaid automatically as soon as the salary arrives on the card, the loan extension also occurs automatically.

You can activate or deactivate this service only at a VTB branch, with a passport and an application from an individual. Calculating the overdraft is simple: no more than 50% of the salary is available.

Features of the VTB salary card

Recently, the population of the country has begun to use the cards of this particular financial institution more often and more, largely due to its favorable conditions and rates. The cost of servicing the card depends on its type, and its “free” depends on the minimum replenishment of the card per month.

It is possible to change the card by category, for this you need to contact the bank, complete the application and transfer your funds to a new card. You can check and find out the balance of the card through a mobile application or online.

Withdrawal and replenishment

You can put debit cards on your balance in many ways: at any VTB ATM or with partners, at a cash settlement department or from another card via the Internet bank. You can top up with the first two methods without a commission, in the third case, a commission may be charged from another bank.

You can withdraw cash at any VTB ATM - no commission. The maximum withdrawal amount depends on the type of card, overlimit withdrawal is not possible.

Transfer conditions

From the card, you can transfer money to the accounts of other persons, do it through an online bank. Money is transferred to the accounts of VTB clients without commission, and in order to transfer them to the accounts of clients of other banks, you need to pay a commission of 0.6% of the transfer amount, at least 20 rubles, on average, money is transferred per day.

Cons of the VTB card

It is impossible to pay with the Mir card abroad - one of the minuses for those who are used to paying by bank transfer everywhere. For some, the disadvantage is an insufficiently developed network of ATMs, but this is eliminated by a gradual increase in the number of bank partners and the development of the number of cash withdrawal terminals.

For debtors on loans: a bailiff may freeze accounts for existing debt, including accounts on a salary card, by decision of the FSSP. The arrest of funds is a very unpleasant procedure, so that this does not happen, you can contact VTB and refinance the loan.

Who can apply for a salary card?

Any employee working in a company connected to the VTB corporate program can get a card. Of course, he can refuse and use his debit cards, but it is unprofitable for both the company and the employee himself.

The Mir debit card is issued to civil servants, military personnel, the Ministry of Internal Affairs and pensioners, in general, to those who receive money from the country's budget.

What documents will be needed?

For registration, you must submit an application to the accounting department, after which a special form is filled out in a special form, which indicates passport data, income, contact phone number. From the documents you will need to take only a passport. Request processing takes a very short time.

After registration, the details of the card, the contract for the issued salary account and instructions with the tariffs of the card are transferred.

Savings

On the card, you can open a savings account, where interest is accrued on the balance. The deposit is opened online or after a visit to the VTB branch, the depositor can issue it for any purpose and any amount. The deposit is managed from a personal account, which is very convenient for people who value their time.

Cashback

All VTB salaries have bonus programs: cash back for purchases, from 1% to 5% is returned to the card back in money that can be spent on any other purchases. With premium cards, it is also possible to accumulate miles for various flights and pay for hotels.

For the Privilege product, special services are available, the privileged holder has the right to be in the airport business lounges and receive instant assistance at VTB branches.

On the Mir card, the accumulation of Collection bonuses is available, their number depends on the type of the selected card. You can spend pluses on a special website of the program from VTB, and the service is connected in your personal account on the banking website vtb.ru.

Is it possible to dispose of the card after dismissal?

After leaving the organization, any employee can keep the card for himself and use it for personal purposes. But it is worth remembering that the service is free for exactly the entire period of work in the company, because all the costs of issuing, replacing and operating are covered by the legal entity. After the end of work, the annual service becomes paid and you need to pay for it yourself:

• Standard costs 500 rubles per year;
• Gold - 2500 rubles;
• Platinum - 5000 rubles;

Therefore, if the use of the card is not planned, then it is better to block it at the VTB branch, experts will tell you how the card is closed. It will no longer be possible to unlock it in the future.