All banks are sure that their salary card is the most profitable for the population. And VTB 24 Bank was no exception to this rule. VTB 24 salary card is very widespread, every second officially working person has it.
At the same time, VTB 24 cooperates with the most famous payment systems VISA and MasterCard, which allows the client not only to use plastic, but also to participate in regular raffles and bonus programs.
VTB 24 Bank: salary card and its types
The VTB 24 salary project includes four types of plastic cards:
1. Map of Umenbossed. It provides the following conditions: the daily withdrawal limit is 100,000 rubles, a 20% discount from partners of VTB 24 Bank, the ability to issue a maximum of 5 additional cards (2 of them can be obtained free of charge). In addition, an overdraft of up to 300,000 rubles can be installed on the card.
2. "Visa Classic" or "Mastercard Standard". According to the conditions, these cards do not differ from the previous view.
3. The "Golden" salary card "VTB 24". From the previous options, this view is more prestigious. In addition, Gold class cardholders are offered discounts from partners up to 25%, as well as a maximum withdrawal limit of up to 200,000 rubles per day. The maximum overdraft available on the card is 300,000 rubles. Additional cards can be issued up to 5 pieces, two of which are issued free of charge.
4. "Platinum" payroll card "VTB 24". The status card is distinguished by a discount program with discounts from partners up to 30%, a daily withdrawal limit of up to 300 thousand rubles and the possibility of issuing an overdraft of up to 750 000 rubles.
VTB 24 loan for payroll card holders
In addition to the main advantages in the form of the convenience of settlements using a plastic card and bonus programs from the VISA and Makstercard payment systems, salary card holders receive another “bonus”: the ability to set a credit limit on their card.
VTB 24 loan for salary card holders differs from the usual simplified system of registration, reduced interest rates and the procedure for determining the maximum available loan limit amount.
At the same time, both a cash loan and a credit card may be available to customers. And if the conditions of registration and interest rates of the loan may differ depending on the chosen loan program, the VTB 24 credit salary card will have the same conditions of use for all customers. Let us dwell on this issue in more detail.
Credit card conditions for payroll project clients
So, as mentioned above, VTB 24 Bank has prepared a special offer for payroll card holders - the possibility of issuing a credit card with favorable conditions.
To obtain such a credit card, the client needs to come to the bank branch and write a statement. In this case, of the documents you need to have only a passport.
The main conditions for obtaining a card are:
- the presence of citizenship of the Russian Federation;
- the presence of a place of registration in the city of appeal to the bank branch;
- permanent place of work.
Calculation of the maximum limit amount
In order to determine the limit on a credit card, a bank employee looks at the balance of the VTB 24 salary card, and more precisely, calculates the average monthly income per card. The maximum available limit amount will be no more than 50% of the amount of income and cannot exceed 300 thousand rubles.
Card Terms of Service
A credit card can be issued in one of two payment systems: Visa Classic or Mastercard Standard. For greater security, the cards are equipped with a magnetic strip and a special chip. In addition, they are equipped with the 3D-secure function, which provides for operations via the Internet only after entering the code from the SMS message.
Card currency is rubles. But at the same time, it can be used outside of Russia.
There is no annual fee for a card account.
The card also provides an accumulative bonus system: for every 50 rubles spent, 1 bonus is credited to the card. In the future, they can be spent on the purchase of goods from special catalogs (gift certificates, books, toys, household appliances, magazines and so on).
Lending terms
The VTB 24 salary card, with a credit limit set for it, is served under the following conditions:
- maximum amount of credit limit - up to 300 thousand rubles;
- interest on the use of credit funds - 28%;
- there is no grace period during which no interest is accrued for using credit funds;
- the amount of the minimum monthly payment is 3% of the total debt;
- in case of untimely payment of the monthly payment, a penalty (fine) in the amount of 0.8% per day of the debt amount starts to be charged.
The VTB 24 credit salary card provides for the possibility of receiving monthly statements of operations on the card account, as well as sending SMS messages to the client after any operation (withdrawing or crediting cash, etc.).
Cash withdrawal and replenishment of VTB 24 card
There are some restrictions regarding cash withdrawals from VTB 24 credit card. It is important to pay attention to each of the points:
- Withdrawal of own funds at VTB 24 ATMs is carried out without any commission. Credit funds in this case can be withdrawn with a commission of 2%.
- At ATMs of VTB 24 partner banks, you can withdraw both your own and credit funds without commission.
- For withdrawing personal funds from ATMs of banks that are not related to partners, you will have to pay a commission of 1%, but not less than 200 rubles. For the withdrawal of credit funds, the commission will be 2% and at least 200 rubles.
- The daily withdrawal limit (maximum amount) is 100 thousand rubles. At the same time, no more than 1 million rubles can be withdrawn from a card in a month.
You can replenish a VTB 24 bank card in any convenient way: using an online transfer, transfer from card to card or at a bank branch. In any of these cases, you need to know the card number or its current account. Another important detail to consider when bank transfer to avoid delays - the money will be credited to the account only after 2 days!
Pros and cons of the VTB 24 card
Summing up all of the above, we can determine the main pros and cons of plastic cards of VTB 24 Bank.
Pros:
- high credit limit;
- bonus program;
- low interest rate;
- the presence on the card of a microchip;
- free account statements and SMS messages;
- withdrawal of own funds without any commission;
- relatively low commission when withdrawing credit from the card;
- opportunity to issue an additional card.
Cons distinguish only three customers:
- heavy fines in case of late payment of a loan;
- availability of cash withdrawal limits;
- change of PIN code at the ATM is paid (30 rubles).
All this makes salary cards popular among the population.
