2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37
A debit card can be seen in the wallet of almost every citizen, regardless of his status. This payment instrument is actively used to transfer wages, social and state benefits. "Plastic" is also convenient when traveling abroad. Additional privileges and banking services make debit cards even more attractive for customers. RosBank, along with other financial organizations, offers individuals to issue a payment document on favorable terms. In the article, we will consider tariff plans for card products and customer reviews about the level of service.
Visa Unembossed
Unnamed (non-personalized) instant issue cards are very popular. The main "trump card" is the fast processing time for the minimum number of documents. You can get Visa Unembossed already on the day of the application, 30 minutes after the application is submitted. In addition, unnamed "plastic" costs much less than standarddebit cards. RosBank, for example, does not charge a fee for servicing and issuing Visa Unembossed.
What is the difference from other plastic cards? The unnamed "plastic" on the magnetic strip and the front side does not contain personal information about the owner, which may affect the security of transactions. Otherwise, the non-personalized Visa Unembossed is similar to other payment cards. With it, you can pay for purchases through terminals or the Internet. PayWave contactless payment system is also available.
You can cash out at any bank terminal. When withdrawing funds using RosBank devices, no commission is charged, at the cash desk you will have to pay 1% (minimum 29 rubles). When making a transaction using a third-party ATM, the client pays an additional 1.2% (minimum 99 rubles).
Visa Classic and MasterCard Standard
RosBank issues standard debit cards as part of a classic service package, which is the best offer for most customers. The cost of annual maintenance is relatively low - 150 rubles. This includes:
- opening and maintaining accounts in rubles, euros or dollars;
- name card with chip;
- 3D Secure payment protection;
- PayPass/PayWave contactless payment technology;
- participation in bonus programs from the payment system and the bank.
Commission for withdrawing funds in RosBank terminals is not charged, in other devices its size is 1.2% (minimum 99 rubles). Standard cards have daily and monthly limits oncash out: 250k and 700k respectively.
You can issue a classic card according to an individual design, but for its issue you will have to pay 600 rubles.
An interesting proposal for young people was the introduction of the international discount program ISIC/IYTC/ITIC. RosBank issues these debit cards in the MasterCard Standard format with the provision of a classic package of services. The product combines a payment instrument and an international identity card. The cards are available to clients aged 18 to 27: youth, students, graduate students, teachers.
Premium cards
For those who want to get access to exclusive offers and VIP services, premium service packages from RosBank PJSC have been created. Gold and Platinum debit cards provide their holders with the following features:
- travel, life and he alth insurance during travel;
- providing legal and informational assistance abroad and at home;
- extension of the warranty period for purchases;
- increased withdrawal limits;
- free emergency card reissue;
- booking tickets, tables in restaurants and places in hotels through the concierge service;
- discounts and bonuses from payment systems.
When making "plastic" open from 4 to 7 accounts. The annual service for the Gold service package will be 450 rubles, and for Platinum class cardholders - up to 2500 rubles. Withdrawalfunds are carried out without commission in the terminals of RosBank PJSC. Debit cards have the following limits:
- 360 thousand rubles allowed to cash out per day and no more than 1 million rubles. per month for Visa/MasterCard Gold;
- up to 1 million rubles. Visa/MasterCard Platinum holders are en titled to withdraw daily.
The holder of premium "plastic" will always be a welcome guest in all prestigious institutions of the world.
Travel Miles Cards
For lovers of travel and people who are often on business trips, RosBank, together with the iGlobe.ru travel portal, has created a series of debit cards of various classes. For purchases, the holder of "plastic" receives bonuses - miles, which can then be paid off when booking hotel rooms, tickets for air and rail transport and for other services offered on the iGlobe website.
Let's consider in the table the terms of registration and service, as well as the possibilities of Travel Miles cards from RosBank PJSC.
| Class | Welcome miles | Number of miles | Annual maintenance fee, r. | Withdrawal limit per day/month, r. | Additional features |
| Classic | 500 | 1 for every 30 rubles | $150 | 250k/700k | 3 accounts, participation in the Bank Privilege programProgram |
| Gold, Premium | 1000 | 1.25 for every 30 rubles, up to 15 for every 70 rubles spent on iGlobe | $450 | 360k/1m | 4 accounts, travel insurance, Visa Premium, MasterCard Priceless Cities, Bank Privilege Program |
| Signature, World Black Edition | 2500 | 1.5 for every R30 | Up to 2500 R. | 500k/3m | Up to 7 accounts, concierge service, insurance, bonus programs Visa Premium, MasterCard Priceless Cities, Bank Privilege Program |
| Premium | 2500 | 1.5 for every R30 | Up to 2500 R. | 1 million/3 million |
After issuing a Travel Miles card, the holder receives welcome miles. As can be seen from the table, their number depends on the class of payment "plastic".
Supercard+ and Autocard
Premium "plastic" in "RosBank" is available in an interesting format of banking programs. The client receives not only the prestigious Visa Platinum card, but also additional privileges to it. For example, the owner of the "Autocard" will receive a 1% cashback, valid for all categories of purchases, and 5% at gas stations, car washes, parking lots.
"Supercard +" - a debit card of RosBank, the conditions for obtaining which do not differ from registrationpremium products. Its presence will allow the holder to return up to 7% from any purchase, as well as accumulate 6.5% per annum from the balance of funds.
Using the privileges of Visa Platinum, a bank client will also be able to open up to 4 foreign currency accounts (including savings) and receive 2 additional Classic and Gold bank cards for free. The premium package of services will cost the owner at standard rates - 500 rubles. In the case of keeping more than 250 thousand rubles on accounts, the bank will not require a service fee at all.
Opinion of users
RosBank debit cardholders express a positive opinion about the level of service. Citizens note the convenience of cashing out: there are a sufficient number of ATMs in cities, so you do not have to search for terminals for a long time or use the services of third-party organizations. Pleased with the lack of commission for withdrawing money.
Any RosBank debit card gets good reviews. Users are satisfied with the cost of the service package and its composition, quality of service. Profitable offers with cashback were appreciated by car enthusiasts and travelers.
The line of debit cards in RosBank is diverse and interesting in its own way. The client can easily choose the most acceptable terms of service for himself, regardless of the purpose of opening an account and personal income.
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