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Credit Europe BankVTB Debit Card for Life
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Articles about debit cards
About the card
Description
"Card for Life" is a convenient and rewarding debit card from VTB. If you are looking for a card to receive your salary, this will be your ideal option. VTB provides salary clients with free annual maintenance, commission-free cash withdrawals, and higher cashback on purchases.
Terms
You can get the main card for free. In addition, the bank charges no commission for issuing up to five additional cards. Reissuing each of them at the initiative of the credit institution or due to expiration is also free of charge. To get a new card to replace an old one due to loss, lost PIN code, change of personal data, and so on, the holder will need to pay a one-time fee of 500 RUB. Card maintenance is always free.
Additionally, you can enable notifications for deposits and withdrawals. The cost of this service is 79 RUB per month.
The holder can top up the debit "Card for Life" without commission via transfers between their own accounts, as well as with cash at VTB and VTB Group ATMs. Funds can also be deposited onto the card in the following ways:
- transfer by bank card number;
- transfer by phone number via the Faster Payments System;
- via a bank account wire transfer.
The cardholder can withdraw cash from the card for free at VTB and VTB Group ATMs. The bank also charges no commission if the client meets at least one of the following conditions:
- receives their salary into an account opened with VTB and cashes out no more than 50,000 RUB per month;
- receives pension payments into an account opened with VTB, provided that no more than three months have passed since the last deposit.
In other cases, the holder will need to pay a commission of 1% of the transaction amount, but not less than 300 RUB.
The holder can transfer money for free between their own accounts opened with VTB and VTB Group. The bank also charges no commission for transfers to clients of other credit institutions by phone number via the Faster Payments System for amounts up to 100,000 RUB per month. If this limit is exceeded, a fee of 0.5% of the transaction amount is applied, but not more than 1,500 RUB. For transfers by card number, the holder will need to pay 1% of the amount, but not less than 50 RUB.
By paying with the debit "Card for Life", the holder can earn cashback on purchases. It is credited as follows:
- 2% of the spent amount is credited by the bank for purchases in the "Transport & Taxis", "Cafes & Restaurants", and "Supermarkets" categories;
- up to 30% for purchases at partner stores of the "Multibonus" program.
The maximum amount of cashback that can be earned on regular purchases is 2,000 bonus rubles. Rewards for purchases at partner stores of the "Multibonus" program are credited without limits. Bonus points can be spent in the following ways:
- exchange for rubles at the rate of 1 bonus = 0.85 RUB;
- exchange for goods, travel, certificates, and much more in the "Multibonus" program catalog.
VTB does not pay interest on the balance of the "Card for Life". Additionally, the cardholder can open a "Safe" or "Piggy Bank" savings account. The maximum interest rate in the first case is 13% per annum, and in the second — 11%.
| Pros | Cons |
| Free issuance of main and additional cards with the option of free reissuance upon expiration | High commissions for topping up and withdrawing funds when established limits are exceeded |
| Free courier delivery of the card to your residential address, provided the client lives within the bank's service area | |
| Free card maintenance without the need to meet any conditions | |
| Free access to the mobile app and online banking to manage your accounts | |
| Option for free card top-ups at VTB ATMs and partner bank ATMs, both via transfers from other banks and with cash | |
| Commission-free cash withdrawals via VTB ATMs and partner bank ATMs subject to the terms of the agreement | |
| Free internal and external transfers via the Faster Payments System up to 100,000 RUB per month | |
| Up to 30% cashback on purchases at partner stores | |
| Exchange cashback for real money |
How to apply
You can apply for a debit card at a VTB branch or online via the mobile app or internet bank. In the first case, just visit the credit institution's office during business hours with your passport. To apply online, go to the card application page and click the "Apply for card" button.
Next, the user will need to enter their last name, first name and patronymic, date of birth, email address and mobile phone number. You also need to check the box and click the "Get code" button.
Then the future holder needs to enter the confirmation code from the SMS message, specify the city, method and location for receiving the card, and click the "Submit application" button.
Rates
at ATMs of third-party banks subject to conditions — free of charge;
at ATMs of third-party banks in other cases — 1%, but not less than 300 RUB
to other VTB and VTB Group clients — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 100,000 rubles per month — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 100,000 RUB per month — 0.5%, but not more than 1,500 RUB;
to clients of other banks by card number — 1%, but no less than 50 RUB.
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