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Tinkoff Drive credit card from T-Bank
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Articles about credit cards
About the card
"Tinkoff Drive" from Tinkoff Bank is a great credit card for all motorists. If you own personal or company vehicles and regularly spend money on fuel, traffic police fines, and insurance policies, we recommend getting this card. By paying with it, you can earn good cashback on purchases and spend bonus points to compensate for purchases at gas stations and in the "Auto Services" category.
Terms
Issuance of the main and additional cards, as well as their reissuance and home or office delivery, are always free. The card maintenance fee is 495 RUB per year with the "Tinkoff Pro" subscription and 990 RUB per year without it.
Additionally, you can enable transaction notifications. The service costs 59 RUB per month for Tinkoff Mobile numbers and 99 RUB per month for other numbers. With a “Tinkoff Pro” subscription, transaction notifications are free.
The credit limit on the card ranges from 15,000 to 1,000,000 RUB and is determined individually for each borrower.
Installments of up to 12 months are available for purchases made at Tinkoff Bank partner stores. For regular purchases, the grace period is up to 55 days.
The minimum monthly payment on the credit card is no more than 8% of the debt amount, but no less than 600 RUB.
The bank does not charge interest on purchases made within the grace period. Outside the interest-free period, Tinkoff charges from 15% to 39.9% per annum on purchases and from 29.9% to 59.9% per annum on cash withdrawals and transfers.
If the minimum payment is missed, the bank charges a penalty of 20% per annum on the overdue debt amount.
Cash withdrawals are subject to a fee of 2.9% of the transaction amount plus 390 RUB. You can transfer money for free via Tinkoff Bank's own services up to 100,000 RUB per month with the "Tinkoff Pro" subscription and up to 100,000 RUB per month without it. Exceeding this limit incurs a fee of 1% of the transaction amount, with a minimum of 390 RUB.
By paying with your credit card, you can earn cashback on purchases:
- 1% on regular purchases;
- up to 5% for paying traffic police fines in the online bank and mobile app;
- up to 5% for purchases in the "Auto Services" category;
- 5% for insurance policy purchases through Tinkoff Insurance;
- up to 10% for purchases at any gas station;
- up to 30% on purchases at Tinkoff Bank partner stores.
Borrowers who meet the following requirements can apply for the credit card:
- are citizens of the Russian Federation;
- have permanent or temporary registration within the territory of Russia;
- aged 18 to 70.
To obtain the credit card, you only need to provide a Russian passport. However, the bank may additionally request documents confirming your income and employment.
Pros:
- free issuance and reissuance of primary and supplementary cards;
- high credit limit — up to 1,000,000 RUB;
- extended grace period — up to 12 months;
- free transfers up to 100,000 RUB per month;
- cashback accrual of up to 30% of the purchase amount;
- possibility to obtain the card at 18 years old;
- can be applied for with just one document;
- home delivery of the card by courier.
Cons:
- high interest rate outside the grace period — from 15% per annum;
- high fees for cash withdrawals and transfers;
- the bank may request documents confirming income and place of employment.
How to apply
T-Bank has no physical branches, so you can only apply for a credit card online—via your personal account in the internet bank or mobile app. To do this, you need to:
- go to the T-Bank website;
- provide your desired credit limit, the reason for applying for the credit card, your full name, mobile phone number, date of birth, and email address;
- click the “Next” button;
- provide passport details, permanent registration address, actual residential address, and an additional phone number;
- click the “Next” button;
- provide your place of employment;
- click the “Next” button;
- provide income, education, marital status, vehicle details if applicable, and a code word;
- click the "Apply" button;
- enter the code from the message.
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