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Cash-back credit card from Vostochny Bank
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About the card
Cash-back credit card from Vostochny Bank — banking product overview
Russian banks offer various credit card programs. For example, one might offer cash back on purchases at medical clinics. Another on lunches in restaurants and cafes. A third on visits to entertainment venues. Therefore, before applying for a credit card, an applicant should carefully review the programs and decide which cash-back category will be most profitable for them.
Vostochny Bank has offered something that no other financial institution does: it has issued a product that allows you to change the bonus program and elevated category every month — the Cash-back credit card.
Cash-back credit card from Vostochny — terms
Vostochny Bank offers favorable service terms for the Cash-back credit card.
- Credit limit amount up to 400,000 RUB
- Favorable "Cash-back" bonus program
It allows you to accumulate bonuses and exchange them for cash back. The cardholder can choose the desired category and change it if necessary. There are 4 types of categories.
1 — Behind the Wheel
It provides a cash-back refund from 1 to 10%. The maximum amount is returned for gas station services. You can count on a 5% refund if you pay for parking, taxis, car washes, and car-sharing. For other services, the cash-back is 1%.
2 — Warmth
Pay for utilities, public transport, and pharmacies and get up to 5% back + 1% on everything else.
3 — Leisure
When going to a cafe, bar, or restaurant, expect a 5% refund. The bank will return 10% as cash back for movie tickets and taxi rides. For other services, the refund will be 1%.
4 — Online Shopping
The Vostochny Cash-back credit card allows you to get cash back for purchases of movies, books, food, and any goods purchased in online stores. The cash-back rate in this area ranges from 1 to 10%.
5 — All Inclusive
For any card transactions, a refund of 2% of the spent amount is available.
Please note! If you need to change the bonus program, the new category will take effect on the 1st day of the month following the month in which the change was initiated.
- Grace period — up to 56 days
The zero period refers to the time when the borrower uses credit funds free of charge. It is provided only on the condition of non-cash spending.
In case of untimely debt repayment, the grace period is canceled and interest is charged on the entire amount. If the minimum payment is not made, penalties may apply. The amount is calculated for each borrower individually and depends on the limit.
- Interest on account balance
If your credit card from Vostochny Bank acts as your wallet, there is an opportunity to earn a little extra. Up to 4% per annum is accrued on the balance of funds.
- Free maintenance
You will not have to pay for the maintenance of the Vostochny Cash-back credit card; consumer reviews confirm this.
- Interest rate from 24%
The reward amount depends on card transactions and submitted documents. For example, if you provide proof of income (referring to cash transactions), you can count on 29.0 – 36.0% per annum. Without this document, the reward can reach 78.9%. For non-cash transactions with proof of income, it is 24.0%, and without it — 28.0%.
Terms
Citizens who meet the following requirements can apply for the Cash-back (Vostochny) credit card:
- Citizenship — Russian. Citizens of other countries cannot apply for the plastic card.
- Age: 21 to 71 years old (inclusive).
- Stable income required.
- Work experience: at least three months at the current employer.
- Age: 21–71 years.
- Citizenship: Russian Federation.
- Mobile phone.
- Income: stable monthly income over the last 3 months.
The bank does not set any special requirements for issuing a plastic card. The main thing is that the applicant can provide an identity document. Depending on the information provided, the financial institution may request an additional document: a 2-NDFL income statement, a notification on the state of the personal account from the Pension Fund, a bank statement with turnover from an account opened with a third-party organization, etc.
- Identity document: Russian citizen passport.
- 2-NDFL certificate from the employer confirming income.
The procedure for obtaining the Cash-back credit card from Vostochny Bank is standard.
- Click the virtual "Apply" button on our service.
- After being redirected to the bank's official website, fill out the application form by entering the requested information.
- Wait 5 minutes. The system needs time to process your application.
- Upon receiving a positive decision, collect your card in a convenient way. You can order home delivery by courier or pick it up yourself at a branch.
Cash-back credit cardholders can take advantage of additional features of this banking product.
- Order an additional card for Visa, UnionPay, or MIR payment systems. The card can be issued to anyone over 14 years of age.
- "Bring a Friend" promotion available. A great opportunity to get 1,000 RUB for small expenses. The bank gives this bonus for each friend who comes to the bank based on your recommendation.
- Proprietary cashback service for online shopping. A major plus is that the cashback is instantly visible in your account. You won't have to accumulate points until you reach the minimum amount required for exchange.
- Apple Pay, Samsung Pay, and Google Pay support. Modern technologies can be used for banking transactions.
- SMS notification. The service is connected automatically for all cardholders. It is free for the first month. Subsequent months cost 89 RUB.
Please note! You can disable the SMS notification service if you do not need it.
The Cash-back credit card from Vostochny Bank is a profitable banking product that allows you to save a decent amount of money. Order the card and use it to pay at gas stations, bars, restaurants, and online stores.
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Answers to questions
How long will it take to review the application?
Depending on whether document verification is required, from 2 to 30 minutes.
How to know if the credit card has been approved?
You will receive a notification from the bank. As a rule, it is sent as an SMS to the specified phone number, though a credit manager may also call you directly.
Where can card delivery be requested?
Only to the bank office, where you will need to pick it up yourself.
How does card activation work?
Upon receipt, you will need to activate the card either in the bank's mobile app or at an ATM. For the former, log in to the app, select the new card, and click activate. You will then need to enter the SMS code. For ATM activation, insert the new card into the ATM and create a PIN code. In most cases, activation can be completed right at the branch with the assistance of a bank employee. Activation is also available by calling the bank's call center.
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