"All You Need" credit card from Otkritie

Issuance of the main card and five additional cards is always free. The maintenance fee is 1,490 RUB per month. For clients with "Premium", "Light Premium", "Private", and "Light Private" statuses, card usage is free.  

Additionally, the cardholder can enable transaction alerts. This service is always free. 

The credit limit on the card ranges from 50,000 to 1.5 million RUB. It is determined by the bank for each borrower on an individual basis.

The grace period on the "Vse chto nado" credit card is up to 120 days. It applies to any purchases and payment for services.

The minimum monthly payment on the credit card is no more than 3% of the debt amount, but not less than 300 RUB. It needs to be paid to maintain the grace period and to avoid overdue debt.

The bank does not charge interest on purchases made within the grace period. Outside the interest-free period, the credit institution charges from 11.9% per annum on purchases and payment for services, as well as on cash withdrawals and transfers.

In case of a late minimum payment, the bank charges a penalty. Its amount is 20% per annum of the overdue debt amount.

For cash withdrawals and transfers, the borrower will need to pay a fee of 5.9% of the transaction amount plus 590 RUB. Any payments, including utility bills, fines, and taxes, are always free.

If the borrower makes purchases with the card, they can choose one of three loyalty programs: "Na vse", "JKH", and "Bez limitov". In the first case, cashback is accrued as follows:

• 3% of the spent amount can be earned by the borrower for all purchases without exception;
• up to 30% for purchases at Otkritie partner stores.

When choosing the "JKH" loyalty program, cashback is accrued as follows:

• 1% of the spent amount can be earned by the borrower for all purchases without exception;
• 5% for paying utility bills in the mobile app and online banking;
• up to 30% for purchases at Otkritie partner stores.

When choosing the "Bez limitov" loyalty program, cashback is accrued as follows:

• 1% of the spent amount can be earned by the borrower for all purchases without exception, including payments via the Faster Payments System (SBP) using QR codes;
• up to 30% for purchases at Otkritie partner stores.

Borrowers who meet the following requirements can get the “Vse chto nado” credit card:

• are citizens of the Russian Federation;
• have permanent registration in the bank's region of operation;
• aged from 21 at the time of loan application and up to 75 at the expected maturity date of the loan agreement;
• have continuous work experience at their current job for at least 3 months;
• have a permanent income of at least 15,000 RUB per month after tax deductions.

To get a credit card, you only need to provide a Russian internal passport. If necessary, the bank may request additional documents confirming income and employment.