Judging by official reviews from Tinkoff Platinum cardholders, this banking product is available both to individuals with official employment and to those without a job. In any case, the bank makes decisions on an individual basis.

Standard borrower requirements:

• The card is issued only to Russian citizens holding a passport,
• The minimum borrower age is 18 years, and the maximum age limit is set at 70 years, but the bank reserves the right to individually change the upper age limit upon application.
• Permanent registration in one of the country's regions.
• Employment is required — any type is accepted, but formal employment is preferred.
• You must have a mobile phone and an email address.

The bank has no branches in Russia, so delivery is carried out by courier service (preferred) or via the Russian Post postal service.

We recommend checking which stores accept the T-Bank Platinum installment card in your region of residence. The database contains information on 300,000 partner stores of T-Bank.

The loan matching service invites you to apply for the T-Bank Platinum installment card, which helps you make purchases on favorable terms for up to 1 year:

• Review the offer on our website, click the "Apply for Card" button, and you will be redirected to the official T-Bank Platinum installment card website.
• Fill in the required information in the application form.
• After filling in the details, click the "Submit Application" button on the website.
• Wait approximately 10 minutes for a decision.
• You will receive an SMS message informing you of the application approval.

Once your card is approved, the bank will send a courier to you. A specialist will deliver the card within 1 to 7 working days. For regions without courier delivery, delivery is provided via Russian Post. In this case, delivery takes from 14 to 30 days.

Installments on the T-Bank Platinum credit card have a 55-day grace period. If you top up your card account on time, a revolving credit period applies.

Account status information is available through the following channels:

• Internet banking "Personal Account" — free of charge.
• SMS notifications — RUB 59 per month, excluding free notifications about upcoming payments.
• Hotline telephone — 8 800 555-77-78 (you must provide your code word information).

Information about the initial credit will only be available when you open the sealed envelope. The information letter will indicate the amount available to you after you complete the activation procedure for the banking product on the official page of the bank's website.

The credit limit can only be increased at the bank's initiative. You cannot increase the credit account limit on your own. A bank operator will call you and offer to increase the credit limit. The maximum loan amount is 300,000 RUB. You can top up the account with your own funds, but loyalty programs (cashback) do not apply to this money.

1. Standard requirements for installment cards.
2. "Bravo" loyalty program.
3. Card memo for the borrower.
4. T-Bank loyalty programs.