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Gold debit card from FORA-BANK
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Articles about debit cards
About the card
Online application for the Fora Bank "Vse Vklucheno" Visa Gold debit card
The Forabank "Vse Vklucheno" Visa Gold is a unique banking product where you can not only store your savings, but also receive an approved credit limit in the form of an overdraft of up to 500,000 RUB. The unique loyalty program offers a choice of seasonal offers with cashback up to 15%, and if you keep your own savings, the bank will accrue a guaranteed interest rate on your balance of up to 5%, subject to the minimum tariff plan requirements.
How to make the most of the Fora Bank "Vse Vklucheno" Gold debit card
The favorable terms of the Forabank "Vse Vklucheno" Gold debit card are designed for various segments of the population. If you are a pensioner or a student, you can count on an annual card maintenance fee of 0 RUB. Other categories can also use the banking product for free, subject to certain conditions:
- Spend 10,000 RUB in the first month — 0 RUB maintenance fee.
- Starting from the second month, spend 20,000 RUB per month and the maintenance fee will also be 0 RUB.
- Public sector employees, pensioners, and students — always 0 RUB.
- In other cases, the card costs 59 RUB per month.
Even if your monthly turnover is up to 10,000 RUB, you will still benefit from the Fora Bank "Vse Vklucheno" Gold debit card. Cashback terms for a turnover of up to 10,000 RUB include the following:
- You receive a 1.1% cashback on any purchase.
- Choose a partner store from the list and get 15% cashback.
- Select seasonal cashback categories in your online account and get a guaranteed up to 5%.
In this case, the maximum monthly cashback is 10,000 RUB.
Additional conditions for profitable use of the Forabank "Vse Vklucheno" Gold debit card
Today you can apply for the Forabank "Vse Vklucheno" Gold debit card, which offers the following features and privileges:
- Lucrative cashback system: partners — always 15%; seasonal offers — always 5%, gas stations — always 2%, other categories — 1.1%.
- Favorable interest on your balance: 3.75% for amounts from 10,000 to 200,000 RUB, 5% for amounts over 200,000 RUB, and 0% for amounts up to 10,000 RUB.
- Favorable monthly card maintenance fees ranging from 0 RUB to 59 RUB per month.
- Premium-level service can be added to the card. Priority Pass is available for 2,500 RUB, with a visit fee of 27 USD.
- Overdraft (credit line) of up to 500,000 RUB is available at an interest rate of 19.5% per annum.
- Maximum monthly cashback does not exceed 10,000 RUB.
You can manage your balance using either a mobile device or internet banking.
Terms
- Age 18 and older (without overdraft).
- Age 21–60 (for overdraft).
- Registration in the bank's region of operation (in all cases).
- Residence in the region for at least 6 months (for overdraft).
- Work experience of at least 6 months (for overdraft).
- Proof of income for the last 6 months.
Requirements are minimal if you order a debit card without an overdraft. An overdraft requires additional banking verification.
- Age: 18 years and older.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the Bank's service area.
- Mobile phone: required.
- Work experience: at least 6 months.
- Passport of a citizen of Russia.
- A second document of your choice.
- Proof of registration in the region where the bank is located.
- Employment history certificate, required for an overdraft application.
- Income statement for the last 6 months, required for an overdraft.
Please note that according to the tariff plan, you must be between 21 and 60 years old to qualify for an overdraft. If the bank declines the overdraft, a standard debit card without a credit line is issued.
- Identity document: Russian citizen passport.
- Additional document: SNILS, INN, international passport, military ID, driver's license, or pension certificate.
- 2-NDFL certificate from the employer confirming income.
- Copy of the work book.
Before submitting your application, our financial services matching service suggests checking the information about the bank's location in your region of residence. The bank provides two card issuance schemes: at a branch or via courier (not available in all cities).
- Review the service's offer regarding the banking product.
- Follow the link to the official website of Fora-Bank.
- Fill out the application form.
- Specify the bank branch closest to you.
- Choose your card delivery method — branch pickup or courier delivery.
- Pick up the banking product within 14 days.
Attention: to get overdraft approval, you must provide information about your employer, income source, and income amount in the application form. After the application is approved, submit documents regarding your work experience and salary amount to the bank branch or give them to the courier.
Among the unique offers is the option to connect an overdraft. The maximum allowed amount, depending on your salary level, does not exceed 500,000 RUB; once the bank approves the application, you can use the technical overdraft. In this case, the interest rate is 19.5%. When you subsequently top up the card, the bank first pays off the overdraft loan.
Additionally, you can apply for a Priority Pass card for a period of 3 years, which will cost you 2,500 RUB, and a fee of $27 will be charged for each business lounge visit.
For those who work in municipal or state institutions, a salary transfer service is available with an annual maintenance fee of 0 RUB. A similar free maintenance scheme is available for students transferring their scholarship and pensioners transferring their pension savings to a debit card. The "Traveler Protection" program is not provided for the "All Inclusive" category on Visa, Mastercard Gold, or Mir cards. Insurance is only available for VISA Platinum cards, where the cost is 1,990 RUB per year.
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Answers to questions
How will my card be delivered?
At a branch or via courier delivery. Order fulfillment time: no more than 14 days.
What is needed to activate the debit card?
You will receive instructions with the card stating that you need to call the bank's hotline and complete the activation.
How can I check my card balance and transactions?
At the bank with an operator.
At Fora-Bank and Promsvyazbank terminals – free of charge.
At terminals of other banks – per tariff.
In online banking.
In the mobile app.
By calling the hotline.
I don't remember my PIN code, what should I do?
You need to call the hotline, select the appropriate menu, and then follow the auto-attendant's prompts.
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