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MzhnoVSE credit card from Rosbank
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About the card
Rosbank #MozhnoVse Credit Card — Detailed Product Review
To retain customers, banks come up with various programs. The Rosbank #MozhnoVse credit card was created with this exact goal. It is Russia's first product that harmoniously combines two types of bonuses: Cashback and Travel bonuses. In addition, the card boasts many advantages typically found only in modern plastic products. These include a substantial crediting period, the option to withdraw cash, and free maintenance.
Let's discuss the detailed terms of using the Rosbank #MozhnoVse credit card.
Rosbank #MozhnoVse Credit Card: Terms of Use
Rosbank offers profitable yet rather complicated terms of use for the card. Our goal is to help you figure them out.
1 — Free maintenance options
Although many banks offer fully free client card maintenance, Rosbank is not one of them. The financial institution offers an intricate scheme. Plastic product owners pay nothing for the first month of maintenance. But (!), free maintenance starting from the second month of use is possible if the credit card holder makes purchases totaling at least 15,000 RUB. Otherwise, a maintenance fee of 79 RUB per month will apply.
2 — Availability of two bonus programs: Cashback or Travel bonuses
There are several categories for the cashback program. By choosing the first enhanced cashback category, up to 10% of funds from each purchase will be returned to the account. If you choose other categories, expect a 1% cashback.
Please note! Regardless of the number of purchases, the bonus accrual on a single card cannot exceed 5,000.
Under the next program, cardholders can accumulate Travel bonuses. They are beneficial for frequent travelers. The accumulated bonuses can be used to fully or partially pay for tickets and hotels.
Exchange is carried out on the Rosbank OneTwoTrip portal via ROSBANK Online.
Note: According to the program rules, 1 Travel bonus = 1 Russian ruble.
3 — Grace period is 62 days
Every plastic cardholder can use bank funds for free during this time.
4 — Substantial credit limit of up to 1 million RUB
The maximum amount is available to clients who have taken out loans multiple times and repaid them on time. For new applicants, the limit starts from 30,000 RUB.
5 — Ability to transfer funds from one card to another
According to the terms of use, the cardholder has the right to transfer money from one card to another. No fee is charged for transferring own funds. In other cases, the cardholder pays a fee of 4.9% + a mandatory fee of 290 RUB.
6 — Cash withdrawal using ATMs
No fee is charged when withdrawing funds from Rosbank's own ATMs. You can withdraw money without commission using partner ATMs. If you need to withdraw your own funds from other ATMs, a fee of 1% + 100 RUB is charged. In other cases, it is 4.9% + 290 RUB.
Terms
Online applications for the Rosbank #VseMozhno credit card can be submitted by:
- Russian citizens;
Applications for a credit card from applicants with other citizenships are not accepted. They will be 100% rejected.
- applicants registered in areas where the bank's branches are located;
- citizens aged 18 and older.
- Age: 18-70 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the Russian Federation.
- Mobile phone.
The bank sets certain requirements for issuing the VseMozhno credit card. People who provide only a passport can get the card, provided that the credit limit does not exceed 100,000 RUB. In other cases, bank employees may request an employment verification document and a proof of income certificate.
Please note! If you are a payroll cardholder, employment verification is not required.
- Identity document: Russian citizen passport.
- A 2-NDFL income certificate from the place of work or a bank-form certificate confirming income.
Getting the #VseMozhno credit card does not involve any major difficulties. This is a standard procedure that can be completed online or by contacting a financial institution manager. After clicking the "Apply for card" button, you need to set the desired credit limit and enter your mobile phone number. Then, fill in the requested information in the pop-up window and give consent to data processing. Submit the application to the lender.
Information about the decision is received within a day. Upon receiving a positive response, you can order urgent delivery of the Rosbank #VseMozhno credit card, as customer reviews confirm.
As soon as the first transaction is completed after entering the PIN code, the card is activated automatically. You can now use the card to pay for children's clothing or toys, parking fees, medicines at pharmacies, and meals in restaurants and cafés. The card is also accepted by flower shops and floristry salons, and is used to pay for building materials and taxi services.
Rosbank cardholders can enjoy a number of additional features.
- Pay for purchases with the Rosbank credit card using Apple Pay on iPhone, Apple Watch, iPad, and ROSBANK Online.
- Use the GOOGLE PAY contactless payment service.
Please note! The application is convenient because you can add multiple financial institutions.
- Use the concierge service. A personal assistant who will help you at any time of day or night. They will select an individual tour if you plan a trip, and find a guide, translator, and lawyer in any country.
- Deposit money into the account in various ways. For these purposes, you can use the bank's own ATMs with the cash-in function, as well as any branch. You can make transfers by mobile phone number via the Faster Payments System and transfer funds from Visa, MasterCard, and MIR plastic cards (P2P).
Rates
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Answers to questions
How do I find out the decision on the card?
Notification of the decision is sent to the specified phone number via SMS. Sometimes the decision is announced by bank employees over the phone.
What initial limit can I expect?
Information is provided by an employee of the financial institution
Is it possible to increase the credit limit?
Available. Upon an application submitted to Rosbank
How to find out the card payment amount
Log in to internet banking. Information can be found at Rosbank ATMs and via mobile software
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