Gift bank card: types, registration

A gift card is a payment instrument issued by a credit institution, usually the VISA system, with which you can pay for goods around the world. The limit is set at the discretion of the client and is paid at a time when buying plastic.

Essence

A bank card can be virtual, instant and gift. The first two types are actively used in e-commerce. The most striking example is the "Corn" card, which allows holders to participate in promotional programs, receive bonuses.

A gift bank card is not issued by every credit institution in the country. Her pattern of action is very simple. The buyer pays the face value, as well as the cost of the plastic itself. An envelope with a PIN code and CVC2 is issued along with the card.

A gift bank card does not visually differ from the card of any outlet. This is the same plastic with the bank logo, the face value is indicated on the front side, and the magnetic strip on the back. But its main advantage is that plastic performs standard functions. With it, you can pay for goods and services on the Internet and any retail outlets.

Release Terms

You can purchase a card at a bank branch. It is only necessary to pay the amount equal to the balance of the card, as well as the commission for its issue.

The terms of service of different credit institutions are different, but there are common features:

• Type - Visa, Mastercard Classic.
• The maximum validity period is 1 year.
• Currency - Russian rubles.
• Account replenishment - not provided.
• There is no possibility to withdraw cash from the account.
• Additional cards are not provided.
• In case of loss / damage, the card is not restored.

To make purchases in online stores, the holder must specify:

• payment instrument number and expiration date;
• your name in Latin letters;
• security code.

Other conditions

Gift debit cards widely used by shops. Sales outlets do not carry out identification of owners, and immediately after a client’s request, they issue a card of a certain face value. A similar principle of prepayment is valid for Internet providers and social networks. So how then is a gift bank card different from the rest?

Its main characteristic is the anonymity of the holder. You do not need to open an account to use the card. Payment instruments are depersonalized, and they can be purchased in a few minutes at a branch of a credit institution or even through retail outlets. Bank gift cards of VTB and any other credit institution are issued within international payment systems, so they can be used in any store.

Card Benefits

Such gift tools have a number of positive aspects:

• quick and easy design;
• the ability to buy an unlimited number of payment instruments;
• the ability to set a limit;
• plastic cards are issued not registered, i.e. they can be transferred to other persons;
• ease of use;
• You can make purchases throughout the validity period;
• original card design;
• lack of service charges, although some credit organizations charge an activation fee.

disadvantages

Perhaps the most important minus in the use of gift cards is the lack of the possibility of re-issuance and blocking of accounts. In case of loss, theft, the holder will have to order a new payment instrument. This is due to the fact that the funds in the account do not apply to deposits. These assets are not accounted for in the deposit insurance system. Moreover, the period of use of the card often does not exceed a year. After its expiration, funds could not be returned until recently.

On August 1, 2014, amendments to the Law on the National Payment System entered into force. The amendments indicate the definition of a prepaid card, as well as the ability of the client to transfer the balance to the bank account of the electronic funds operator or to issue cash. The limit for one operation is 5 thousand rubles. per day and 40 thousand rubles. per month. However, it is worth noting that most banks ignore this bill.

Gift Card Rating

Consider the most interesting offers of credit institutions. By unspoken standards, a gift bank card is not reissued; cash cannot be withdrawn from it. But some lending institutions provide their nice bonuses. For example, CJSC Gazprombank offers a card with a free SMS notification service, but you cannot choose a design or type of packaging for it.

Petrocommerce Bank CJSC, on the contrary, offers customers the opportunity to choose the design of Visa cards and packaging, including gift cards. At the same time, the credit institution warns that the plastic is not equipped with a 3-D Secure security system. This is despite the fact that it is designed for online shopping. The maximum account balance can be 15 thousand rubles.

“SMP” cards can be replenished only within the amount previously set by the credit institution. Gift bank cards are accepted only at specific points of sale. It is originally packaged, an insert with instructions for use is included. If desired, you can order an individual design, special inscriptions or place a photo on it.

Promsvyazbank CJSC uses a different method to attract customers. The lending institution offers a wide range of front-side designs. You can also set 1 of 6 limits on the card: from 1 to 15 thousand rubles. The MasterCard has no restrictions on use: it can be paid on the Internet, in any stores. The plastic holder can take part in the bonus programs of the bank.

Several types of cards are offered by RSB CJSC. The credit institution has a pink card for women and a blue card for men. Any of them can be bought directly on the website, in offices and retail outlets. Both plastics are issued with an approved denomination and allow you to participate in the "Discount Club" program.

Typically, the bank issues cards for the holidays: March 8 and February 23. In 2015, Premier gift payment instruments appeared, dedicated to Valentine's Day.

This is a unique product. Firstly, the card can be replenished and cash withdrawn from ATMs. The commission for this operation is 2% of the amount, but not less than 100 rubles. Secondly, an SMS service is connected to the plastic card, which is used to notify the owner of all operations. Thirdly, Premier has a special design, packaging is attached to the card, which looks like a box with gold stamping with a silk ribbon. Fourth, the account limit is very large - from 15 to 600 thousand rubles. The cost of such a gift is one thousand rubles.

Gift card

Many online stores in the United States accept cards issued by local banks. This is how organizations fight fraud, as checking foreign cards takes a lot of time. Therefore, paying for goods purchased in America with Visa or MasterCard plastic issued by credit institutions of another state is problematic. But there is a way. You can order plastic cards issued in the USA.

Gift Card is not a registered payment instrument with American billing.Bank plastic Visa, MasterCard and AmericanExpress can be used for payments in general in any country in the world, and not just in the USA. The cost of their release is from $ 20 to $ 500, depending on the class and payment system.

The nuances of using

A gift bank card is a money certificate with which you can pay for goods. If the organization has several brands in the United States, then with one payment tool you can pay for all their products. For example, Card Gap can be used in Old Navy and Athleta. But the Abercrombie & Fitch card cannot be paid in either Gilly Hicks or Hollister. Most payment instruments are very nicely packaged.

Bearer gift cards are non-refillable. They can be used until the account balance reaches zero, and then you have to order a new payment instrument.