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Оформление по «Кредитная карта S7 — T‑Bank Premium от Т-Банка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
С «Кредитная карта All Airlines Premium от Т-Банка» все прошло без сюрпризов: заявка, проверка документов, деньги — быстро. Единственный момент — дополнительные услуги нужно отключать вручную, по умолчанию они включены. Если продукт нужен срочно, вариант рабочий, но переплату лучше посчитать заранее.
Оформление по «Кредитная «Карта Привилегий» от банка Зенит» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
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VTB is one of Russia's largest banks, serving both individuals and legal entities. It provides a wide range of services — here customers can obtain targeted and non-targeted loans, open savings accounts and deposits, apply for debit and credit cards, and more.
Advantages of VTB
VTB was founded in 1990 and has since established such a strong reputation that it has become one of the leaders in terms of customer count. In 2021 alone, the bank served about 16 million people. VTB has many advantages, among which we can highlight:
- Reliability and stability — VTB is a systemically important bank in Russia, so customers do not need to worry about the credit institution being unreliable.
- A large number of branches and ATMs — this greatly simplifies customer service since they do not need to spend much time searching for offices and self-service terminals.
- Wide range of services — as we mentioned, customers can get targeted and non-targeted loans, open savings accounts and deposits, apply for debit and credit cards, and much more.
- Lucrative loyalty program — all bank customers can earn bonuses for using VTB products.
Credit cards at VTB in 2024
Currently, VTB customers can apply for just four credit cards:
- “Karta vozmozhnostey”;
- Credit payment sticker;
- “Karta vozmozhnostey Privilegiya”;
- “Mir Supreme” digital credit card.
Their maintenance terms are as follows:
- credit limit up to 1 million RUB;
- grace period of up to 200 days for purchases, cash withdrawals, and credit fund transfers;
- commission-free cash withdrawals and credit fund transfers up to 100,000 RUB in the first 30 days from the card issuance date;
- cashback on purchases of up to 30% of the value.
Limit
period
Halva credit card from Sovcombank 
MIR credit card from Russian Standard Bank 
MTS Dengi Zero credit card from MTS Bank 
Vozmozhnosty Credit Card from VTB 
Uralsib 120 Days Maximum Credit Card Who can get a VTB credit card in 2024
VTB does not impose special requirements on its borrowers. For this reason, almost anyone can become a credit card holder. Thus, the credit institution imposes the following requirements on future borrowers:
- hold citizenship of the Russian Federation;
- permanent registration in the region where the bank operates;
- age 18 and older;
- a regular income of at least 15,000 rubles per month.
Documents required to apply for a credit card
The list of required documents depends on the requested credit limit amount. For example, a passport of a citizen of the Russian Federation is sufficient for approval up to 300,000 rubles. To obtain a larger amount, you will also need to provide additional documents confirming your income and employment.
How to apply for a VTB credit card in 2024
You can get a credit card from VTB in two ways: at a bank branch or online. In the first case, you need to visit an office during business hours with all the required documents. You can apply online on the official VTB website or in the mobile application. To do this, you need to:
- go to the credit card application page;
- click the "Apply for card" button;
- specify the desired credit limit and phone number, enter the code from the message, and check the box;
- click the "Continue" button;
- if possible, log in via Gosuslugi—this will increase the likelihood of approval—or click the "Without authorization" button;
- provide your last name, first name, and patronymic, date of birth, gender, email address, registration address, and residential address;
- click the "Continue" button;
- indicate your education;
- click the "Continue" button;
- indicate your marital status and the number of minor children;
- click the “Continue” button.
