Debit card VTB 24 "Privilege": description, services and reviews

VTB 24 ranks third in the TOP-10 banks for issuing credit and debit cards in Russia. The bank offers its clients several types of payment instruments. Understand their functions before you open an account. The assortment of products includes classic, gold, platinum payment instruments and a debit card VTB 24 Privilege. Let us consider them in more detail.

"Classic" cards

All the cards of VTB 24 Bank have their advantages. Classic series is characterized by low cost of maintenance and ease of design. You can apply for the issue of cards in the office or through the site.

The cost of opening an account and the first quarter of service is 225 rubles. Active users who monthly drive at least 20 thousand rubles. On the account and transfer to the card 75 rubles., Service charge in the following months does not produce. All other users must pay a quarterly 75 rubles. And another 59 rubles. For SMS notifications.

This category of payment instruments, like the debit card VTB 24 Privilege, is issued in the form of unnamed Classic and Standard. In addition, you can order CashBack for 90 rubles. Under the terms of this program, 1% of all purchases will be returned to the account. The maximum amount of refund is limited to 5 thousand rubles. Additionally, you can open a savings account and receive 8.5% on the balance of funds.

In the same way as the VTB 24 "Privilege" debit card, classic payment instruments allow their holders to use such services absolutely free of charge:

• Pay fines, services, make bank transfers;
• Connect to a remote service (VTB-24 Online);
• Connect SMS-informing about the transactions to be performed with the card.

Golden cards

The cost of servicing the debit Gold card is 1050 rubles per year. In this case, card holders receive such advantages:

• Connection of an additional card to the account - free of charge;
• For every 30 rubles. - 1 bonus point;
• Quarterly service will cost 350 rubles;
• One card is connected simultaneously to three accounts;
• Means can be cashed abroad;
• Conversion is carried out at the rate of the bank.

Additional privileges:

• Motorists - 3% cashback when paying for goods at gas stations, 1% - with other acquisitions;
• Lovers of entertainment - 3% cashback when paying bills in cafes, restaurants and cinemas;
• Travelers - bonus 2 miles for every 35 rubles spent; Accumulated miles, you can pay for the transfer, hotel and ticket booking.

Platinum cards

Customers wishing to receive the maximum number of services can issue a Platinum card for 3,000 rubles per year and receive such benefits:

• Additional connection of 2 cards to the account for free;
• For every spent 25 rubles. 1 bonus is credited to the bonus account;
• Transfers in rubles are issued free of charge online;
• The card immediately connects to three accounts - ruble, euro and in US dollars;
• Instant registration;
• 3% cashback in certain categories (fuel payment, shopping in restaurants, air tickets).

Debit card of VTB 24 "Privilege"

The product line also has a special offer for customers who wish to receive priority service. VTB 24 "Privilege" card is issued in the form of MasterCard Black Edition and Visa Signature. Its holders receive such advantages:

• Connection to a multi-currency account;
• Cash withdrawal in ATMs at an increased limit;
• Discounts on services, goods purchased anywhere in the world;
• Penalty for unauthorized overdraft - 36.5%;
• Request balance in ATMs - 15 rubles. For the operation;
• Registration of the Priority Pass card with access to the airport business hall;
• Participation in insurance programs with a coverage of 75 thousand rubles.

VTB 24 "Privilege" debit card allows you to use such bonus products:

• Travelers can complete a "Map of the World" and receive 4 miles for 35 rubles spent. The latter can be exchanged for a hotel reservation or the purchase of air tickets.
• Holders of the "Impressions Map" receive 5% cashback when paying for tickets to the theater, a cinema and accounts in restaurants.
• According to the "Autocart" 5% Cash-back is charged in 5% when paying for parking services, gas stations and car-care centers.

The above advantages are given by the VTB 24 "Privilege" card debit. The withdrawal limit is unlimited. In the "native" ATMs commission is not charged. If the funds are cashed through the terminals of other banks, an additional 1% of the withdrawal amount, min. - 300 rubles.

General advantages

"Platinum", "Gold" and debit card "Privilege" in VTB 24 allow their holders to receive:

• Personal service manager;
• Connection of insurance projects;
• Special services;
• Discounts, special programs.

VTB 24 "Privilege" card debit: reviews

The service package "Privilege" was already appreciated by many customers. First, the card is immediately connected to the three accounts, which means that you do not have to worry that funds will run out of money abroad. But even in this case it will be possible to withdraw cash at any branch of the bank for free. A good incentive is also the availability of cashback when paying for all services. The maintenance fee and cash withdrawal commission are the same as in other banks. The only drawback is the high requirements for free account maintenance:

• Monthly minimum balance on the main and additional cards - 350 rubles and 175 rubles;
• Turnover on the card is more than 35 thousand rubles;
• Monthly receipt of funds - 40 thousand rubles.

Credit limit

In addition to the debit card, you can issue a credit card "Privilege". It is served under the following conditions:

• Monthly rate - 18% per annum;
• If the conditions of free service are not met, then the monthly commission is 850 rubles;
• Possibility to increase the credit line;
• The existence of an interest-free period;
• Discount projects, cashback.

For permanent customers, a revolving credit line is provided at 22% per annum.

Money transaction

Through the Internet banking "VTB 24-Online" you can transfer money within one bank for free, and to accounts in other organizations - with a commission of 0.4%. Transfers in foreign currency are charged at a rate of 0.6%. If the application is submitted in the office of the credit institution, the commission for the transaction within one bank is not charged. Transfers to third party accounts are charged at a rate of 0.5-1%, in foreign currency - 0.75%.