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About the card
My Rules Credit Card from ATB — a banking product with a lucrative 7% cashback
Asian-Pacific Bank offers its clients a profitable borrowed funds product — the My Rules credit card (ATB), which is reviewed in this article. The card allows you to not only purchase goods in Russia and abroad, but also receive pleasant bonuses for it — up to 7% cashback.
A calculator on the website will help you calculate the benefits of the credit card.
ATB My Rules Credit Card: Terms of Use
ATB has developed favorable terms for using the credit card for its clients. They will not pay for card maintenance and have the opportunity to order an additional card for their relatives by linking it to their account. Card opening and reissuing are free of charge. While credit cards from other banks may accrue interest on the account balance, this does not apply to the My Rules plastic card.
As for other financing terms, they are as follows:
- Credit limit
The minimum limit is 30,000 RUB, and the maximum is 700,000 RUB. These are not final figures. By decision of the financial institution, both the minimum and maximum amounts may be changed.
- Interest rate
Its rate is 28% per annum. Interest is charged for purchases made at retail and service enterprises, as well as in online stores.
Please note! The bank charges interest if the cardholder fails to meet the grace period.
The same fee applies to cash withdrawals, money transfers to another card, gaming transactions, and quasi-cash.
- Grace period
The grace period is 56 days. During this period, the cardholder has the right to use borrowed funds free of charge.
For breaching the agreement, quite substantial penalties are charged — a flat fee of 700 RUB + 3% of the overdue amount for each day.
- Cash Withdrawal Limit
The bank has set daily and monthly cash withdrawal limits. During the day, a user can withdraw no more than 250,000 RUB, and per month — no more than 1,500,000 RUB.
Please note! Balance inquiries at ATB ATMs are free. At ATMs of other institutions, the fee is 45 RUB, except for the first inquiry.
- 7% Cashback
If you look at the reviews for the ATB My Rules credit card, you can see that you can earn a good return with it. 7% of the funds spent on groceries, lunches in restaurants and cafes, and gas station services are returned in the form of points. At the same time, 1 point equals 1 Russian ruble.
Terms
ATB issues the My Rules credit card to individuals who meet the following requirements:
- Citizenship — Russian.
- Age — from 21 years old at the time of application and no more than 67 years old at the end of the agreement.
- Permanent source of income and official employment (sole proprietors are eligible).
- Work experience — at least 1 month at the last place of employment. For working and non-working pensioners, the work experience requirement does not apply.
Please note! If you are engaged in entrepreneurial activity, your business experience must be at least 6 months.
- Registration: bank's service area.
Note! Bank clients with a good credit history may have registration outside the ATB region.
When reviewing an application, the bank pays attention to ensuring that the applicant's close relatives do not have debts with the financial institution.
- Age: 21-67 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the Bank's service area.
- Mobile phone.
- Employment: mandatory.
- Work experience: at least 1 month at the last place of employment.
To apply for the ATB My Rules credit card, the borrower needs to provide a main document — a valid passport. Additional documents may be requested at the discretion of the financial institution. These include a foreign passport, INN (tax ID), and an income verification certificate. If a pensioner is applying for the credit card, a pension certificate is mandatory. Men under 27 years old must present a military ID.
- Identity document: Russian citizen passport.
- 2-NDFL certificate from the employer confirming income.
Asian-Pacific Bank offers a standard procedure for obtaining the My Rules credit card.
To get the card, fill out the application form by answering the questions. The application process takes no more than 7 minutes.
Please note! By logging in via the ESIA service, you will save time on submitting the application and increase your chances of getting the My Rules credit card from ATB.
Send the application to the lender and wait for the preliminary decision on the application. The waiting time does not exceed 15 minutes. In case of approval or refusal to issue the card, an SMS message will be sent to the specified phone number.
To pick up the card, bring your documents and visit the nearest branch. Credit cards are issued without a queue.
The ATB My Rules credit card also offers additional features. Plastic cardholders can participate in discount programs of the Visa and Mastercard payment systems. They can also receive free account statements in ATB-Online / ATB-Mobile.
ATB provides its clients with 24/7 support through the Contact Center and allows them to report a lost card to the financial institution from any country via a single number.
Conclusion: the ATB My Rules credit card, which you have just read about, is a profitable product for those who frequently visit gas stations and enjoy dining at cafes and restaurants.
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Answers to questions
Where to activate the credit card?
Activation is available at the bank branch immediately after receiving the credit card
Where can I find the minimum payment amount?
To do this, you can connect the paid SMS notification service, log in to your personal account, or find the information using the mobile app or ATB ATMs
Is it possible to increase the credit limit?
The limit increases automatically for loyal and regular customers
Can the card be closed before the contract ends?
Yes, upon the cardholder's application and after repaying all debts
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