"Cash-back" credit card from Vostochny Bank

Product advantages

The "Cashback" card from Vostochny has several interesting features right away:

· The card allows the client to receive up to 10% cashback on all purchases. The client can independently choose the categories for receiving cashback.

· When making cashless payments, the client pays no interest during the grace period.

· The card allows storing personal funds on the account, rather than just spending borrowed ones. At the same time, the client receives up to 4% on the balance.

· Possible credit limit: up to 400 000 RUB.

· The bank has a free app that allows you to track all expenses and monitor the duration of the interest-free period.

However, the client can get the most benefit from the card only by thoroughly understanding the nuances of the tariff under which the card operates. Let's take a closer look at what the bank offers and how we can use it.

Tariff plan

Clients usually have main questions regarding the loyalty program, which allows them to receive cashback, that is, a refund of part of the purchase amount. A 10% cashback is very tempting, but you need to use the banking product correctly to get the maximum benefit. For example, the type of cashback that is best for you to choose will directly depend on your lifestyle.

Main points to remember:

1. The client receives 10% cashback in the selected category; a new one must be selected every month.

2. The main cashback can be obtained by making cashless purchases from the bank's partners. The list of partners can always be found on the website. It is recommended to visit it regularly as the list is constantly updated.

3. Expense categories need to be changed, meaning a new one must be selected every month.

It is recommended to make purchases within the Vostochny ecosystem, as in this case the client receives the maximum possible cashback.

Categories that can be chosen to receive cashback on the card:

· "Behind the Wheel" category. Includes expenses related to personal transport: 10% cashback for purchases at gas stations, payment for carsharing, car washes, and parking: 5%, for purchases in other categories: 1%.

· "Leisure" – cashback for going to the movies and taxi rides: 10%, visiting city public catering establishments including cafes and restaurants: 5%. For purchases in other places: 1% as well.

· "Warmth" category: 5% when paying for utilities, transport travel expenses, and purchases at pharmacies; all other purchases: 1%.

· General "All Inclusive" category. In it, the cashback is the same (2%) for all purchases in any category.

The tariff plan also allows you to receive interest on the balance of your own funds. It varies depending on the amount:

1. Amount up to 10 000 RUB: no interest, 0%.

2. From 10 000 to 500 000 RUB: 4%.

3. Over 500 000 RUB: 2%.

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Loan terms

The conditions under which a person can become a user of this credit program are quite loyal.

· Age from 21 to 71 years.

· Having registration in the region where the bank has an office.

· The future borrower must have permanent employment for at least 3 months. For those under 26, the minimum work experience must be at least 12 months.

· For those under 25, a 2-NDFL certificate is mandatory, although it should be remembered that banks increase the chance of approval

if this certificate is provided by a prospective client of any age.

· Contact details of the prospective borrower.

Only a citizen of the Russian Federation can get a credit card, as this reduces the bank's risks.

Required documents

Documents to be provided along with the application depend on the card issuance terms. This must be a passport with valid registration in the required region, a 2-NDFL certificate if required, as well as proof of employment and work experience if the 2-NDFL certificate is missing. An employer-certified copy of the work book will suffice.

How to apply

You can apply in several ways:

· Online on the bank's website. Simply fill out a short application and enter your contact number. A credit manager will call you, and you can arrange to order the card.

· In person at the branch. A more time-consuming method, but in this case, all unclear points can be clarified immediately, and the bank will receive the documents right away and can begin issuing the card immediately after verifying them.

Additional information

You should keep in mind the features of this card, which may come as a surprise if you do not read the documents with tariffs in full. Thus, the bank charges 1 000 RUB for card issuance (or re-issuance), but there is no maintenance fee. The client is also subject to a transaction limit of 75 000 RUB per day and 600 000 RUB per month.

The bank allows issuing an additional card for a family member over 14 years old.

FAQ

1. How long will the application review take?

Depending on whether document verification is required, from 2 to 30 minutes.

2. How to find out 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.

3. Where can card delivery be ordered?

Only to the bank office, where you will need to pick it up yourself.

4. How is the card activated?

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.