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Tinkoff Platinum Payment Sticker credit card from T-Bank
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About the card
Card description
The "Tinkoff Platinum" payment sticker is an add-on to the Tinkoff Bank credit card. It allows users to pay for purchases and use ATMs without plastic—using only a mobile phone. The service terms for the payment sticker are the same as for the "Tinkoff Platinum" credit card.
Terms
Issuing the payment sticker and delivering it to your home or office is always free. Tinkoff Bank also does not charge a fee for using the card.
Additionally, you can enable transaction notifications. The cost of this service is 59 RUB per month for Tinkoff Mobile subscription numbers and 99 RUB per month for other numbers. With a Tinkoff Pro subscription, transaction notifications are free. The bank will also not charge you for the service if you have already paid for it on your main credit card.
The credit limit on the card ranges from 15,000 to 1,000,000 RUB and is determined individually for each borrower.
Installment plans of up to 12 months are available for purchases made at Tinkoff Bank partner stores. Up to 120 days for repaying loans issued by other banks. Up to 55 days for regular 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 12% to 59.9% per annum on purchases and from 30% to 69.9% 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 290 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 it. For exceeding this limit, you will need to pay a fee of 2.9% of the transaction amount plus 290 RUB.
By paying with your credit card, you can earn cashback on purchases:
- 1% on regular purchases;
- from 3% to 30% for purchases at Tinkoff Bank partner stores.
Borrowers who already have a "Tinkoff Platinum" credit card can apply for the payment sticker. Generally, clients who meet the following requirements can apply for the card:
- are citizens of the Russian Federation;
- have permanent or temporary registration within the territory of Russia;
- aged 18 to 70.
To get a credit card, you only need to provide a passport of a citizen of the Russian Federation.
| Pros | Cons |
| The holder of the payment sticker will not need to pay a fee for its issuance and annual maintenance. | The bank charges a high interest rate on purchases made outside the grace period, as well as on cash withdrawals and transfers — from 12% to 69.9% per annum. |
| Tinkoff Bank provides a large credit limit — up to 1 million RUB, although it depends on many factors and may be lower. | For transfers of credit funds exceeding the limit and cash withdrawals, the holder is required to pay a high fee — 2.9% of the transaction amount plus 290 RUB. |
| The bank provides up to 120 days interest-free for repaying loans issued by other credit organizations, and up to 55 days interest-free for purchases. | |
| The payment sticker holder can make purchases in installments for up to 12 months at Tinkoff Bank partner stores. | |
| The bank charges no commission for transfers of borrowed funds up to 100,000 RUB per month with a Tinkoff Pro subscription and up to 50,000 RUB per month without a subscription. | |
| The bank awards cashback for card payments of 1% for regular purchases and from 3% to 30% for purchases at partner stores. | |
| The holder can get a card with just a Russian internal passport | |
| Tinkoff Bank delivers the card for free via courier to a location convenient for the borrower. |
How to apply
Tinkoff Bank has no physical branches, so you can only apply for the payment sticker online — in your personal account via the mobile app. To do this, log in to your account and click the "Open a new account or product" button.
Then click the "All" button in the bank cards section and select the desired payment sticker. Next, the future holder needs to click the "Continue" button.
After that, the user needs to choose the design they like and click the "I want this design" button. Next, you will need to set limits and alerts and click the "Issue sticker" button.
Rates
99 RUB per month for other numbers
from 3% to 30% for purchases at partner stores of T-Bank
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