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Razumnaya Credit Card from Renaissance Bank
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About the card
Review of the Renaissance Credit Bank Credit Card
If you want to get 100% cashback, then you definitely need to apply for the Renaissance Credit Bank credit card, which offers the opportunity to use an approved credit limit of 300,000 RUB. By participating in the "Simple Joys" program, you can receive up to 100% cashback. Points earned through this program can be exchanged for tickets if you travel domestically and internationally. An additional advantage of the card is the complete absence of maintenance fees. The credit card is provided to the borrower absolutely free of charge.
An online application for the Renaissance Credit Bank credit card is available to our borrowers, where you can easily review the lending terms and access all the benefits of a payment tool from Russia's most reliable commercial bank.
Terms of use for the "Credit" credit card from Renaissance Bank
To apply for a credit card from Renaissance Credit Bank, we suggest reviewing the financing terms. An important feature of the card is the "Simple Joys" loyalty program, which includes:
- The more card transactions you make, the more cashback bonuses you receive.
- For each purchase, you can get back from 1% to 10% of the funds, depending on the selected category.
- Participants of the "Simple Joys" program can get back up to 100% of the funds.
- Bonus conversion is carried out at the rate of 1 RUB = 1 point.
- The maximum possible number of points per month is 1500.
- Points can be spent on groceries at stores, buying tickets, and can also be exchanged for their cash equivalent.
Information about upcoming payments is provided free of charge by sending an SMS notification to the phone number specified in the application form.
Terms
Only a citizen of the Russian Federation can be a credit card holder. Coverage area includes all of Russia where the bank has branches.
As an additional document, the borrower may provide at their discretion a driver's license, proof of higher education, international passport, or personalized bank card.
Please note that Renaissance Bank does not issue the "Credit" credit card to citizens under 24 years of age. A similar restriction applies to citizens over 65 years old; cards are not issued to retirees, including working retirees. Thus, retirement age brackets are not considered by the financial and credit institution for financing.
If you want to receive additional bonuses for purchases, we suggest reading reviews of the Renaissance Credit Bank credit card, which show that the financial and credit institution is loyal to many borrowers.
- Check out the bank's offer on our credit card selection service.
- Follow the link to the bank's website, fill out the application form, and attach document scans if necessary. Later, when visiting the bank, you must bring the specified documents with you.
- Verify the presence of a bank office in your region of residence.
- Submit an application and wait up to 60 minutes for a response from a bank specialist.
Once your credit card is approved, you can choose to receive one of the cards. The "Prozrachnaya" card is produced within 2 weeks and can only be ordered online. The "Kukuruza" card: the bank will indicate which Euroset office you can pick up this card from (condition: borrower aged 24-57). The "Express" card is received immediately at the office; the bank operator will specify where you need to go to pick up the banking product.
- Age: 24–65 years.
- Permanent registration: mandatory.
- Registration and place of work in the same region: mandatory.
- Work experience at the last place of employment must be 3 months.
- Monthly income (after taxes) — for Moscow residents: 12,000 RUB, for other regions of Russia: 8,000 RUB.
- The borrower must have a working mobile phone number capable of receiving SMS notifications.
Rates
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Answers to questions
How long does it take to review an application
When applying online, you can receive a decision within 60 minutes. In some cases, up to 2 working days. At the office, the application review result is provided within 5 minutes.
How will I know the loan approval decision?
There are two ways to resolve the issue:
1. After submitting the application, the bank automatically sends a response via SMS notification.
2. You can visit the bank's website and enter the application number in the inquiry form at https://rencredit.ru/support/appeals/new/
How will I receive the card?
There are two ways:
1. Courier delivery in Moscow and certain other cities (please check with an operator).
2. In all other cases, at the bank branch only.
How the bank product activation process works
You need to call 8 (800) 100-08-86. Next, the bank operator will provide activation instructions and inform you of the PIN code for your card.
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