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Credit Europe BankDA! Credit Card from Sinara Bank
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Articles about credit cards
About the card
"Da!" is the only credit card offered by Svoy Bank. However, the company provides very favorable terms for cardholders: free maintenance, an extended grace period, commission-free transfers, and cashback on purchases.
Terms
Issuing the credit card, as well as reissuing it due to expiration or at the bank's initiative, is always free. Obtaining a new card to replace an old one due to loss, loss of the PIN code, change of personal data, etc., will cost the borrower 750 RUB.
Card maintenance is paid in the first month, costing 149 RUB. From the second month onward, the borrower is not required to pay if they make purchases using the card totaling at least 5,000 RUB per month.
Additionally, the cardholder can enable transaction alerts. The cost of this service is 99 RUB per month. The bank does not charge a commission for the first two months from the moment alerts are enabled.
The credit limit on the card ranges from 10,000 to 700,000 RUB. The bank determines it individually for each borrower.
The credit card features a grace period of up to 56 days. It applies to any purchases and payment for services, as well as cash withdrawals and transfers.
The minimum monthly payment on the "Da!" credit card is no more than 2.9% of the debt amount, but not less than 600 RUB. The borrower must make this payment to maintain the grace period and avoid overdue debt.
The bank does not charge interest on purchases, cash withdrawals, and transfers made within the grace period. Outside the interest-free period, Bank Sinara charges:
- 29.9% per annum on purchases with a credit limit of up to 300,000 RUB;
- 24.9% per annum on purchases with a credit limit over 300,000 RUB;
- 59.9% per annum on cash withdrawals and transfers.
In case of untimely payment of the minimum amount, Bank Sinara charges a penalty of 20% per annum of the overdue debt amount.
The borrower can transfer money for free by phone number via the Faster Payments System for amounts up to 100,000 RUB per month. Exceeding this limit incurs a commission of 0.5% of the transaction, but no more than 1,500 RUB. The commission for cash withdrawals is 5.99% of the amount plus 599 RUB.
By paying with the credit card, the borrower can receive cashback for purchases in the amount of:
- 1% of the spent amount for regular purchases;
- up to 15% of the spent amount for purchases in any category.
The bank also offers 200 welcome bonuses upon making purchases totaling at least 1,000 RUB.
Borrowers who meet the following requirements can get a credit card from Bank Sinara:
- are citizens of the Russian Federation;
- have permanent registration and residence in the regions where the bank operates, Moscow or Leningrad Oblast;
- aged 21 at the time of credit application and up to 76 at the expected end date of the credit agreement;
- have continuous work experience at their current job for at least three months.
To get a credit card with a limit of up to 300,000 RUB, providing only a passport of a citizen of the Russian Federation is sufficient. Approval for over 300,000 RUB also requires an income verification document.
Pros:
- large credit limit — up to 700 thousand RUB;
- free card issuance;
- free card maintenance subject to the terms of the agreement;
- free transfers for amounts up to 100,000 RUB per month;
- opportunity to receive cashback of up to 15% of the purchase price;
- can be applied for with just one document;
- home delivery of the card by courier.
Cons:
- short grace period — up to 56 days;
- high interest rate outside the grace period starting from 29.9% per annum;
- high fees for cash withdrawals and transfers;
- obtaining a card with a limit exceeding 300,000 RUB requires an income verification document.
How to apply
You can apply for a credit card in two ways: at a Bank Sinara branch and on the credit institution's website. In the first case, the borrower needs to visit the company's office during business hours with all necessary documents. To apply online, you need to:
- click the "Apply for card" button on the card page;
- click the "Authorize" button or enter the desired credit limit, last name, first name, patronymic, date of birth, card collection city, mobile phone number, and email address;
- check the box and click the "Next" button;
- enter the confirmation code from the SMS message;
- enter monthly income, passport details, SNILS, permanent registration address, and actual residential address;
- click the “Next” button;
- provide education and employment details;
- click the “Next” button.
Rates
up to 15% for purchases in any category
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