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Credit Europe BankVozmozhnosty Credit Card from VTB
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Articles about credit cards
About the card
"Karta Vozmozhnostey" is an advantageous credit card from VTB. The bank offers quite favorable service terms: free use, cash withdrawals and transfers without commission in the first 30 days, up to 30% cashback on purchases, and more.
Terms
Issuance of the main and one additional card, as well as their reissuance due to expiration or at the bank's initiative, is always free. Obtaining the third and subsequent cards will cost 600 RUB each. Card maintenance is free.
Additionally, you can enable transaction alerts. The service costs 79 RUB per month.
The credit limit on the card ranges from 10 thousand to 1 million RUB. It is determined for each borrower on an individual basis.
The card features a grace period of up to 200 days. It applies to purchases, cash withdrawals, and transfers.
The minimum monthly payment on the credit card is 3% of the debt amount, but not less than 100 RUB.
The bank does not charge interest on purchases, cash withdrawals, and transfers made within the grace period. Outside the interest-free period, VTB charges from 9.9% per annum on purchases and 49.9% per annum on cash withdrawals and transfers.
If the minimum payment is overdue, the bank charges a penalty of 0.1% per day on the overdue debt amount.
You can withdraw cash and transfer money for free during the first 30 days of service for an amount up to 100 thousand RUB. For exceeding this limit or starting from day 31, you will need to pay a commission of 5.9% of the transaction amount plus 590 RUB.
By paying with your credit card, you can earn cashback on purchases:
- 2% for purchases in the categories "Transport and Taxis", "Cafes and Restaurants", "Supermarkets";
- 2% for purchases in the "Pharmacies" category for payroll clients;
- 20% for all purchases in the first 30 days of service;
- up to 30% for purchases at VTB partner stores.
Borrowers who meet the following requirements can apply for the credit card:
- are citizens of the Russian Federation;
- have permanent registration in the bank's region of operation;
- aged 18 and older;
- have a regular income of at least 15 thousand RUB per month.
To obtain a credit card with a limit of up to 100 thousand RUB, you only need to provide a Russian internal passport. For a limit from 100 thousand to 1 million RUB, a document confirming income is required.
| Pros | Cons |
| The bank does not charge a fee for card issuance and reissuance if it was required due to expiration or at the initiative of the credit institution. | The bank charges a high interest rate on transactions and fees made outside the grace period. Thus, it ranges from 9.9% to 49.9% per annum. |
| Cardholders do not have to pay an annual card maintenance fee under any circumstances. | For transferring credit funds, the cardholder is required to pay a very high commission — 5.9% of the transaction amount plus 590 RUB. |
| The bank provides a large credit limit—from 10,000 to 1 million RUB. This amount depends on many factors and may be lower. | To apply for a card with a limit exceeding 100 thousand RUB, the cardholder will need to provide documents confirming income and employment. |
| The bank provides an extended grace period of up to 200 days for purchases, cash withdrawals, and transfers. | |
| The cardholder can transfer credit funds for free up to 100 thousand RUB in the first 30 days from the card issuance date. | |
| The cardholder can also withdraw cash for free up to 100 thousand RUB in the first 30 days from the card issuance date. | |
| The cardholder can obtain a credit card with a 100 thousand RUB credit limit using just a Russian internal passport. | |
| The cardholder can receive cashback of up to 30% of the purchase value. | |
| If necessary, the bank delivers the card for free via courier to a location convenient for the borrower |
How to apply
You can apply for a credit card at a VTB branch or online on the bank's official website. In the first case, you need to visit the credit organization's office with the required documents. To apply online, you need to go to the credit card application page and click the "Apply for card" button.
Next, you need to specify the desired credit limit, mobile phone number, and indicate whether refinancing is required. You also need to check the box and click the "Continue" button.
Then you need to click the "Sign in via Gosuslugi" or "Skip" button.
If you selected "Skip", you need to enter your last name, first name and patronymic, date of birth, gender, e-mail address, and passport details. You will also need to click the "Continue" button.
Then you need to enter your registration address, actual residential address, marital status, education, and income information, and click the "Continue" button.
Finally, you need to click the "Grant" button.
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