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Chetverka debit card from UniCredit Bank

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No-fee cash withdrawals
No-fee cash withdrawals
up to 500,000 RUB
Interest on balance
Interest on balance
up to 0 %
Cost
Cost
0 ₽
Overdraft
Overdraft
No
Cashback
Cashback
up to 10 %
Decision
Decision
From 5 min
Chetverka debit card from UniCredit Bank
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Updated: 14.10.2024

About the card

Chetverka transport debit card from UniCredit Bank

Among the abundance of debit cards, the Chetverka card from UniCredit Bank stands out. This banking product benefits those who use vehicles, offering the highest discounts and cashback returns across four categories. These categories include:

  1. Taxis.
  2. Car sharing.
  3. Public transport fare payment.
  4. Gas stations.

Thus, if you use at least one type of transport service, a 10% cashback return will be available on your UniCredit Chetverka card. This rule also applies to those who use public transport—the metro, bus, trolleybus, or tram.

However, you can only get 10% on the transport card if you meet the minimum requirements. Otherwise, the cashback percentage for the UniCredit Bank Chetverka will be as follows:

  • Card purchases of 50,000 RUB or more – 10% return.
  • Card purchases from 10,000 to 50,000 RUB – 5%.
  • Card purchases under 10,000 RUB – 1%.

The favorable terms of using the transport card have been appreciated by many debit card holders in various Russian cities.

 

Additional terms for the UniCredit Bank Chetverka debit card

To make the Chetverka debit card from UniCredit Bank profitable for you, consider the expanded loyalty program, which provides benefits from transactions, including with bank partners, in automotive categories and an extensive network of stores. To check the list of partners where you can get up to 15% cashback, we recommend downloading the Mobile.UniCredit mobile app.

  • The more purchases you make within a single month, the higher your cashback return will be.
  • If you spend less than 10,000 RUB per month, a 1% cashback will be credited across all categories.
  • A guaranteed 10% cashback is credited in the "transport categories" for purchase amounts starting from 50,000 RUB per month.
  • For amounts from 10,000 to 50,000 RUB, 5% cashback will be credited in the transport categories.
  • You can get up to 15% cashback from partners in the Mobile.UniCredit mobile app.
  • Until December 31, 2019, all new customers of the credit institution who issued a Chetverka debit card at UniCredit Bank can participate in the "Cashback x 2" promotion, where they can receive a 20% return. The offer is valid only until the end of 2019.

As additional programs, you can participate in "Priceless Cities" presented by the Mastercard payment system.

Terms

  • Russian citizenship.
  • Must have registration in the region where the bank is located.
  • Minimum applicant age – 18 years.

When applying for the banking product, the bank may request data from a second document. The full list of documents is specified in the application form.

  • Age: 18 years and older.
  • Citizenship: Russian Federation.
  • Registration: permanent or temporary within the Bank's service area.
  • Passport of a citizen of Russia.
  • Registration stamp in one of the regions of the Russian Federation.
  • Data from a second document – SNILS, INN, or other.

To participate in a number of motorist servicing programs, the bank may request vehicle data.

  • Identity document: Russian citizen passport.
  • Additional document: SNILS, INN, international passport, military ID, driver's license, or pension certificate.

The financial services selection service invites you to apply for the Chetverka debit card from UniCredit Bank, which is designed for purchases and for those who use transport services.

  • Review the feedback on the UniCredit Chetverka card and follow the link to the official website.
  • Fill out the application details to receive the card.
  • Provide your contact details.
  • Submit an application for the product on the official website.
  • Choose the delivery option – courier service or branch office.
  • Wait for the bank's decision and pick up your debit card.

The card is produced within 1-2 business days.

The bank offers drivers a special "Driver's Package" offer for the debit card, which includes the following programs:

  1. Technical consultation with a specialist.
  2. Specialist legal consultation.
  3. Fuel delivery.
  4. Evacuation services after an accident.
  5. Taxi payment in case of an accident.
  6. Replacement of damaged tires.
  7. Car door unlocking service.
  8. Car jump-start assistance.

Items 1 and 2 are provided free of charge. Items 3-8 are available if the monthly debit card turnover is at least 10,000 RUB. To clarify and connect the service, please call 8 800 250 73 00. Services 1-2 are provided in 80 offices across the country. Service 3 is paid in cash against a receipt. Service 4 is provided once per traffic accident. Service 5 is provided in partnership with the Russian Automobile Club, up to a limit of 1,000 RUB. Service 6 is provided free of charge to the nearest tire fitting shop. Service 7 is provided for an additional fee and subject to technical availability. Service 8 is provided no more frequently than using a single jump-start power source.

Please note that the double cashback promotion for the "Chetverka" card ("Cashback x 2") at a rate of 20% is valid only until the end of December 2019. Thereafter, the standard cashback return rate for transport services on the "Chetverka" card will be set at 10%.

Rates

Payment instrument
Mastercard
Card type
World
Card validity period
36 months
Interest rate on the balance of available funds
Not provided
Cash withdrawal (conditions)
Free at UniCredit terminals. Free at UralSib, MKB (Moscow Credit Bank, Raiffeisenbank, Otkritie FC network) terminals. Other banks charge according to their tariff.
Money transfers
Free of charge for any individual or organization up to 10,000 RUB per month. Free transfers are available only via the Mobile.UniCredit service.
Annual debit card maintenance
0 RUB with purchases starting from 10,000 RUB per month
Overdraft
Not provided
Delivery scheme
Bank Branch
Delivery period
Up to 2 calendar days
Loyalty programs
Guaranteed 10% in 4 categories: gas stations, carsharing, taxis, public transport. Up to 15% with partners (mobile app download required to view the partner list via Mobile.UniCredit). All other purchase categories – 1%
App
Android and iOS platforms
Internet bank
Yes, free of charge
Age
From 18 years
Cardholder registration
Preferably within the region where the Bank is located
3D Secure
Available
Contactless form
PayPass
Currency
Rubles only
SMS notifications
60 RUB
Overdraft penalties
No

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000
Overpayment
1 000 000
Total payment amount
9 000 000
Loan maturity
15.05.2022
Monthly payments
500 000

Answers to questions

How is the card delivered?

Following application approval, the card is delivered by courier within 5 days, or can be picked up at a bank branch within 2 working days. Russian Post delivery is available in select regions with a delivery time of up to 14 calendar days.

How does card activation work?

You will receive an activation guide along with your card. Available methods include an ATM, internet banking, or a branch.

How do I check my account balance?

Free at bank ATMs, branches, personal accounts, and mobile banking
SMS notifications cost 60 RUB per month.

How to change the PIN code?

To change it, call the hotline, select the PIN code menu, and follow the automated system prompts.

Other offers

Customer reviews

Leave a review
Olga
Olga
Guest
UniCredit Bank
I have been familiar with UniCredit Bank for a long time and using the card is convenient for me. If you make large purchases using the card during the month, cashback is returned. The card is relevant to me because I use public transport and a good cashback percentage works, but again, a limit is needed there.
Gennady
Gennady
Guest
UniCredit Bank
This card is convenient to use at gas stations and in taxis. It's convenient for paying in taxis, and buying gas at filling stations is profitable. It is profitable precisely because with this card you get a discount on every refuel. I don't know about other regions, but in our region this card is accepted by almost all gas stations. Personally, I got this card with pleasure.
Alina
Alina
Guest
UniCredit Bank
I received the card at a bank branch. Everything was issued and activated very quickly. I didn't sit in a queue. Money is debited immediately for online purchases from the card. There are no glitches in this regard. Support service answers calls around the clock. Everything is reliable and as transparent as possible.
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