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Virtual credit card from Kviku
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About the card
Kviku Virtual Credit Card: what kind of banking product is it and how to use it
Kviku Online Bank is the first fintech company that began serving clients online, unlike traditional banks. From the bank's founding (2013) to the present day, all banking operations are conducted online. To get a Kviku credit card, you don't need to stand in lines or travel to the nearest office. There are no branches, paper contracts, or phone calls.
The Kviku virtual credit card, which you can apply for on our service, is designed exclusively for making purchases. Its main advantage is the speed of issuance. You will receive a decision in less than 10 seconds.
Kviku virtual credit card — terms of use
The Kviku credit card is a digital-only product that does not require a physical card. Its terms of use are as follows:
- The following are not supported: cash withdrawals at Russian or foreign banks, transfers between cards, and payments for existing loans or microloans.
- The interest rate depends on the applicant's creditworthiness and the information provided. It starts from 29% per annum.
- Free access to your Personal Account and mobile banking.
- The credit limit is calculated individually for each client. The minimum is 1,000 RUB (for new clients), and the maximum is 10,000 RUB. It becomes active after the product is activated.
- The interest-free period is up to 50 days. During this time, the borrower can use bank funds without paying any interest. If the cardholder fails to repay the full amount by the deadline, interest will be charged according to the established rates.
- According to the credit card terms, payments are made twice a month in accordance with the established schedule.
- Cashback of up to 30%. The amount earned depends on the store where the purchases were made.
- The validity period of the virtual card, like the credit limit, is calculated individually and ranges from one month to one year. If there is no account activity during this period, the product will be closed automatically. In other cases, the card can be renewed via the Personal Account.
Terms
Borrowers who meet the following requirements can obtain a Kviku virtual credit card through their Personal Account.
- Age requirements: Minimum age is 18, maximum is 70.
- Must have a steady income (informal income is acceptable). Employment status is not a factor.
Please note! Despite these flexible employment requirements, many applicants are still denied the virtual card.
- Citizenship: Russian Federation only.
- Registration: Permanent residency within Russia. The region does not matter.
- Must have a mobile phone and an email address.
- Age: 18-70 years.
- Citizenship: Russian Federation.
- Registration: temporary or permanent within the territory of the Russian Federation.
- Mobile phone.
- Email: Recommended.
- Employment: Recommended.
The organization does not impose any serious requirements for issuing a virtual card. Only a passport is required.
- A valid ID document.
To become the owner of a Kviku virtual card, use our service
- Click the "Apply for card" button.
- Enter the required information into the opened form: passport and contact details.
- Enter the digital code sent via SMS message into the box.
- Receive the loan agreement, as well as the card details, from AirLoans MFC LLC at the specified mobile phone number.
- Activate the card.
- Visit stores and buy the items you need.
Good to know! If data discrepancies are discovered during the application check, you will definitely be refused a virtual card. Enter truthful information without making mistakes or typos.
Reviews of the Kviku virtual credit card confirm that it is issued quickly compared to other payment instruments.
After making your first in-store purchase, the payment schedule information appears in your Personal Account. The virtual card holder can also track the remaining card balance through their Personal Account.
Early repayment option. To do this, send a notification to the email address specified below.
The financial organization offers various payment methods. You can top up your account online in your Personal Account using a bank card. Elecsnet terminals, Yandex Money, Webmoney, and Qiwi are also used for this purpose. Euroset store cash desks and bank transfers are suitable for topping up your account.
To make a purchase via the website, you need to:
- select a product;
- fill out the application (standard procedure);
- select the payment option (Kviku virtual card);
- enter the payment instrument details and other requested information;
- confirm your wish to make a purchase using the code.
Now you know what a Kviku virtual credit card is and how to use it. Don't forget to top up your account on time and enjoy shopping!
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Answers to questions
How to pay for purchases in stores?
Kviku must be linked to your device using Apple Pay or Samsung Pay.
Can I cancel a purchase and return the funds to the card?
The issue is resolved with the seller (service provider). If the decision is positive, the funds are returned to the account.
How does the credit limit increase?
This option is only available for loyal and regular customers who frequently use the virtual card.
How does credit card activation occur?
To activate, follow the link https://kviku.ru/site/login
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