Before applying for the T-Bank Auracard credit card, we recommend reviewing the list of stores where the co-branded card from T-Bank is valid. In addition to the Aura SEC, the card is valid at the Leto SEC and Planeta SEC located in St. Petersburg, Novokuznetsk, Novosibirsk, Krasnoyarsk, and Ufa.

• The borrower must be a citizen of the Russian Federation with permanent residency in the Russian Federation.
• The minimum applicant age is 18 years, and the maximum is 70 years by the time the final debt is repaid.
• Must have a mobile phone number and an active email address.
• To increase the chances of approval by the financial institution, you must have a steady source of income. If you are employed, your monthly net salary must be at least 10,000 RUB.

When filling out the application, the bank may ask for a second identity document. Acceptable second documents include an insurance number (SNILS), driver's license, higher education diploma, pension certificate, or vehicle registration details.

Given that T-Bank is lenient towards borrowers with bad credit histories, you have a good chance of getting credit card approval on your first try. Before submitting an application, check if there are Aura shopping and entertainment centers in your region that accept T-Bank co-branded cards.

• Check out the current offer from T-Bank on our credit card matching website.
• Follow the link to the bank's website and fill out the application form.
• Prepare your passport, a second document, and the necessary information to fill in the application fields.
• After filling out the application form, click the "Apply for card" button.
• Wait up to 5 minutes for a decision from the bank operator.

Attention! T-Bank issues cards via Russian Post delivery or courier service. In some cities with Aura shopping malls, the Auracard credit card can be picked up at the information desk.

To increase the chances of your T-Bank Auracard credit card application being approved, provide additional details about your income. Ideally, your net income should be at least RUB 10,000. In this case, the bank may approve a credit limit of up to RUB 50,000; if you have a good income, the bank may approve a credit line of up to RUB 300,000.

You can check your card balance using the following methods:

1. Check the card account balance in online banking via the link — https://www.tinkoff.ru/login/.
2. Using the options in the installed mobile app.
3. By sending an SMS to 2273 with any text, such as Bal 4321 (or Balance 4321, or Bal 4321, or Balans 4321). Please note that instead of the numbers 4321, you should specify the last 4 digits of your card.

The bank will additionally offer you insurance services for both the credit card and other vital programs. You will receive all information on insurance terms at the email address provided in your application.

Please note that if you repay the loan on time, the 55-day grace period will continue to apply.