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T-Bank Leto Credit Card
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About the card
LETOCARD credit card from Tinkoff Bank with up to 5% cashback — a detailed review
Almost every bank has a card that is in high demand. MTS Bank has Dengi Zero, Rosbank has #MozhnaVse, and Tinkoff Bank has the LETOCARD credit card. Upon release, the plastic card was immediately appreciated by cardholders, and for good reason: generous cashback that allows you to save a significant amount of money, an interest-free period, and transparent tariffs.
To help you decide whether to get the Leto Tinkoff credit card, we present a detailed review of this banking product.
Leto Tinkoff Credit Card: terms and interest rates
The bank offers the following terms for the Leto Tinkoff credit card.
- Card limit — up to 1,000,000 RUB
- Interest rate
If purchases are made within the 55-day interest-free period, no fees are charged to the user. For purchases subject to a minimum payment, the bank has set a rate of 29.9% per annum. If you use credit funds without paying the minimum payment and withdraw cash, the rate will be higher at 49.9%.
- Annual maintenance
To attract customers, some banks waive maintenance fees. Tinkoff Bank decided to take a different approach and set a fixed fee of 590 RUB per year. The money is deducted from the account after the first card transaction. After that, it is charged annually.
- Cash withdrawal fees
Within the billing period up to 100,000 RUB — free of charge. Above 100,000 RUB — 2.0%.
- Minimum payment
Calculated by the bank individually for each cardholder. The figures are indicated in the statement. If there are unpaid minimum payments from previous periods, they are included in the new minimum payment. Thus, the new payment increases to an amount a multiple of one hundred rubles and does not exceed the debt. In general, the minimum payment is no more than 8% of the debt, but not less than 600 RUB.
- Penalties and fines
If you miss the minimum payment, be prepared to pay a 590 RUB fee. There is also a penalty of 19% per annum.
Please note! The bank also provides a fee for exceeding the credit limit, which is 390 RUB.
- Cashback
When paying with the card, you can get part of your money back as bonuses. For purchasing goods at Leto shopping and entertainment centers — 5% (using the credit limit). For purchasing goods without using the credit limit — 2%. For other card purchases — 1%.
Terms
Although each bank dictates its own requirements for applicants, the difference between them is small. Compared to other institutions, Tinkoff's requirements are more loyal.
- An applicant for the Leto credit card from T-Bank must be at least 18 years old and a citizen of the Russian Federation.
- Registration in Russia is required. Residents of Moscow, St. Petersburg, Tyumen, and smaller towns can easily apply for the Leto credit card from T-Bank, as confirmed by customer reviews.
- A mobile phone and email address are mandatory. They are required when filling out the application form.
- A steady source of income is required.
Note! If you are a car owner, provide documents to the lender to increase your chances of getting the LETOCARD credit card from T-Bank.
- Age: 18–79 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary in the Russian Federation.
- Mobile phone.
- Employment: mandatory.
If you want to get the Leto credit card on more favorable terms, you need to confirm your income. Otherwise, you cannot count on the maximum credit limit. You will also need a primary document—a passport—and an additional one, such as an insurance number (SNILS), driver's license, or pension certificate.
- Identity document: Russian citizen passport.
- 2-NDFL certificate from the employer confirming income.
To apply for the Leto credit card from T-Bank, follow these steps.
- Click the virtual "Apply for card" button on our service.
- After being redirected to the bank's official website, set the desired amount from 5,000 RUB to 1,000,000 RUB.
- Enter the required information by filling in all the fields.
- Submit the application to the lender. Wait for the decision.
- Activate the card on the T-Bank website or by calling 8 800 555-24-42 and following the assistant's prompts.
- Use the banking product in accordance with its intended purpose.
Each cardholder can connect additional services, such as account transaction alerts. The service costs 59 RUB per month. Insurance protection is also available at 0.89 per month of the debt amount.
Free additional services are also available. The credit card holder can order an additional card and link it to the account. Statements and upcoming payment reminders are also sent free of charge. You can top up the card without commission via a transfer from another bank's card, an interbank transfer, at the lender's own ATMs, and within T-Bank's partner network.
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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 an operator
Where can I find out the payment amount?
To do this, use the mobile app or your personal account on the T-Bank website. If you have SMS banking enabled, information will be sent to your phone as short text messages.
What credit limit can I expect?
You will find out the initial credit limit amount by opening the envelope with the card.
How to increase the credit limit?
You cannot increase it yourself. With regular card use and timely repayments, the bank will increase the limit.
How to close the Leto credit card from T-Bank?
You can close the card by calling 8 800 555-24-42, via your personal account, or in the mobile app.
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