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All Airlines Credit Card from T-Bank
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Articles about credit cards
About the card
“All Airlines” is a suitable credit card for those who travel frequently or go on business trips. By using it to pay for plane tickets and hotels, you can earn generous cashback on purchases and spend bonus points to offset ticket costs.
Terms
Issuance of primary and additional cards, as well as their reissuance and delivery to your home or office, are always free. The card maintenance fee is 1890 RUB per year.
Additionally, you can enable transaction notifications. The service costs 59 RUB per month for Tinkoff Mobile numbers and 99 RUB per month for other numbers. With a “Tinkoff Pro” subscription, transaction notifications are free.
The credit limit on the card ranges from 15,000 to 1,000,000 RUB and is determined individually for each borrower.
The card has an interest-free grace period of up to 55 days. It applies only to purchases.
The minimum monthly payment on the credit card is no more than 8% of the debt amount, but no less than 600 RUB.
The bank does not charge interest on purchases made within the grace period. Outside the interest-free period, Tinkoff charges from 15% to 39.9% per annum on purchases and from 25.9% to 59.9% per annum on cash withdrawals and transfers.
If the minimum payment is missed, the bank charges a penalty of 20% per annum on the overdue debt amount.
For cash withdrawals, you will need to pay a fee of 2.9% of the transaction amount plus 390 RUB. You can transfer money for free via Tinkoff Bank's own services up to 100,000 RUB per month with a “Tinkoff Pro” subscription and up to 50,000 RUB per month without one. For exceeding this limit, you will need to pay a fee of 1% of the transaction amount, but no less than 390 RUB.
By paying with your credit card, you can earn cashback on purchases:
- 1% for paying for goods and services in the “Payments and Transfers” section in internet banking and the mobile app;
- 2% for regular purchases;
- 2% for purchasing airline tickets on the websites of Aeroflot, S7, Pobeda, Utair, and Ural Airlines;
- 7% for purchasing airline tickets on the website https://www.tinkoff.ru/travel/;
- 10% for hotel bookings on the website https://www.tinkoff.ru/travel/;
- up to 30% on purchases at Tinkoff Bank partner stores.
Borrowers who meet the following requirements can apply for the credit card:
- are citizens of the Russian Federation;
- have permanent or temporary registration within the territory of Russia;
- aged 18 to 70.
To obtain the credit card, you only need to provide a Russian passport. However, the bank may additionally request documents confirming your income and employment.
Pros:
- free issuance and reissuance of primary and supplementary cards;
- high credit limit — up to 1,000,000 RUB;
- free transfers up to 100,000 RUB per month;
- cashback accrual of up to 30% of the purchase amount;
- free travel insurance;
- possibility to obtain the card at 18 years old;
- can be applied for with just one document;
- home delivery of the card by courier.
Cons:
- short grace period — up to 55 days;
- high interest rate outside the grace period — from 15% per annum;
- high fees for cash withdrawals and transfers;
- the bank may request documents confirming income and place of employment.
How to apply
T-Bank has no physical branches, so you can only apply for a credit card online—via your personal account in the internet bank or mobile app. To do this, you need to:
- go to the T-Bank website;
- provide your desired credit limit, the reason for applying for the credit card, your full name, mobile phone number, date of birth, and email address;
- click the “Next” button;
- provide passport details, permanent registration address, actual residential address, and an additional phone number;
- click the “Next” button;
- provide your place of employment;
- click the “Next” button;
- provide income, education, marital status, vehicle details if applicable, and a code word;
- click the "Apply" button;
- enter the code from the message.
Rates
Calculator
Answers to questions
How long does it take for an application to be reviewed?
Standard application review time takes no more than 2 minutes. In some situations, in accordance with bank policy, the review period may be extended by 24–48 hours.
How can I check the status of my application?
Within 60 minutes, you will receive an SMS notification on your mobile phone number. If this does not happen, you can visit this website page https://www.tinkoff.ru/status/ and enter the phone number used to submit the application.
How is the card delivered?
In regions where there is a bank branch, the card must be collected directly from an agent. For localities and regions where there is no office or branch of the financial and credit institution.
What activation methods are available for the card?
There are three options:
1. After receiving the card, you can visit the bank product activation page - https://www.tinkoff.ru/activation/.
2. Call the hotline at 8 800 555-77-71.
3. At a bank branch.
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