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Citibank Prosto Credit Card
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Articles about credit cards
About the card
Overview and terms of the Prosto credit card from Citibank
No banking product in Russia has such wide capabilities as demonstrated by the Citibank Prosto credit card. Let us list the most important advantages of the card: completely free maintenance, no annual fees, zero commission fees for cash withdrawals worldwide, no penalties for late payments, and a 20% discount on purchases. It turns out this is possible, and borrowers' reviews of the Citibank Prosto credit card confirm that it is hard to find an equivalent to this credit card in the country's modern banking industry.
- Apply for the card before August 1, 2019, and get a 120-day interest-free grace period instead of the standard 50-day tariff.
- Use funds for 4 months without any restrictions or commissions, exactly as provided by the standard grace period program.
- If a payment is overdue during this period, the preferential lending is terminated.
- The grace period starts from the moment the card is activated (no later than August 1, 2019; after this date, the standard 50-day grace period conditions apply).
Standard terms of the Citibank Prosto credit card
The maximum credit limit is set at 300,000 rubles. However, certain terms of the Prosto credit card allow the bank to increase the credit limit up to 1 million RUB and 3 million rubles for holders of the bank's debit packages who have signed an agreement. Such debit packages include CitiGold and CitiPrivate.
Please note that the terms of the "Prosto 120 Days Interest-Free" promotion are valid until December 1, 2019.
Attention! To obtain the Citibank Prosto MasterCard credit card, income confirmation of at least 30,000 rubles is required.
Terms
The Prosto credit card is not issued to all residents of Russia; the financial and credit institution has restricted card issuance only to borrowers residing in the following cities (permanent registration and place of employment):
- Moscow.
- The entire territory of the Moscow region.
- Saint Petersburg.
- The entire territory of the Leningrad region.
- Yekaterinburg.
- Samara.
- Rostov-on-Don.
- Ufa.
- Volgograd.
- Novosibirsk.
- Kazan.
- Nizhny Novgorod.
- Krasnodar.
The banking product is not available to borrowers from other regions.
The card can be picked up at the bank or delivered by courier service.
Please note that if you hold CitiGold or CitiPrivate debit packages, the bank may approve a credit line of 1 million to 3 million RUB at its discretion. The credit institution will inform you when this offer is available.
When choosing the 30,000 RUB verification method, also consider other loyalty program options that do not require income verification through this specific method.
The credit card matching service invites you to read reviews of the Citibank Prosto credit card and check out current offers from the partner bank. We recommend paying attention to promotion deadlines, as the credit institution constantly offers new products to borrowers. You can view current information on the credit card comparison website, select the Citibank Prosto card, and then proceed to the bank's official portal to fill out an application. Before submitting your application, check whether your region is eligible and the credit card is available there.
The credit limit is set by the bank individually for each applicant.
- Age 20 years or older.
- Income of at least 30,000 RUB (not required if you are a Citibank client or provide data on another card with turnover).
- Russian citizenship
- Registration in the region where the bank operates
To receive the available credit limit, you need to provide the bank with several documents. All of them must be originals so that the specialist can verify the accuracy of the information provided in the application. Any discrepancies will result in an outright loan denial.
- General internal passport of a citizen of the Russian Federation
- International passport with travel stamps.
- Vehicle documents.
- 2-NDFL income statement.
- Online statement from the Pension Fund of Russia is required (available via Gosuslugi).
After the bank approves your credit line, you will need to activate the card via a special form on the website. After that, you can track your credit limit and transactions using the following methods:
- By visiting Citibank Online internet banking.
- Mobile bank — Citi Mobile.
- By calling the hotline at 8 800 700-38-38.
Your initial credit limit will be communicated to you using a method convenient for you.
The bank can increase your credit line only if you comply with the bank's terms:
- Provide a 2-NDFL statement after 30 days.
- After 6 months of using the card and complying with all its terms, the credit limit increases by 25%.
- After 12 months, subject to lending terms, the credit line will automatically increase by 50%.
These terms are available only with a long-term positive credit history.
Discounts of up to 25% are available with the following partners:
- Citi World Privileges.
- Dochki-Sinochki store, 15% discount.
- Wildberries online store – 18%.
Please note that discounts of up to 20% are available for a limited time. Please check the bank's website for details.
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Answers to questions
I submitted an application, how long does the bank take to review it?
The maximum processing time is 24 hours, though in some cases a response will be ready in 2 minutes.
How will I find out the bank's decision on my application?
A bank representative will call you, followed by an SMS notification and an email.
How will my card be delivered?
In most cases, you will be offered home delivery via courier or through Russian Post
How do I activate the card?
To activate the banking product, you need to click the link on the website and complete the activation procedure.
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