"MTS Money" (card): reviews and conditions. How to issue, receive, activate, check the balance or close the MTS Money card?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Probably, each of us has a mobile phone, and two out of ten residents of Russia are subscribers of the mobile operator MTS. They are potential clients of MTS-Bank and, having visited one of the operator's numerous communication salons, they can become owners of an MTS Money credit card. This card has many nuances, so those who decide, without delving into anything, just take the card, can only sympathize. The reason for this is that it is very easy, without thinking about anything, to get into debt with her, and then be frankly dissatisfied with the quality of service and conditions, scribbling negative reviews on the Internet. For the full and correct use of the card, it is best to study the numerous nuances and try to thoroughly understand all the intricacies of the service.

About tariffs and conditions

To begin with, you should familiarize yourself with the tariffs provided by the bank and the terms of service on which you can use the card. Looking only at themyou will be able to conclude for yourself whether you want to issue an MTS Money card or not. Pay attention to all the items in the tariff table, because any of them can be decisive in your choice. This is:

• Amount of credit limit.
• Loan interest rate.
• Grace period for lending.
• Minimum monthly payment.
• Pen alties for non-performance of debt obligations.
• Fee for skipping the minimum payment.
• Issue fee.
• Annual maintenance fee.
• The cost of reissuing the card before the expiration date.
• The cost of reissuing the card at the initiative of the bank (at the end of the validity period).
• Commission when you receive your own funds from an ATM.
• Commission when receiving credit funds from an ATM.
• Commission when receiving funds at the cash desks of MTS-Bank OJSC without a card.
• Internet banking fee.
• Mobile bank fee.
• SMS-informing.

Many people do not speak very well of such a banking product as "MTS Money". The map, negative reviews about which you can read, is not so bad and has its advantages. The reasons for customer dissatisfaction are often related to the fact that they inattentively read the terms of the service agreement, and sometimes sign it without looking at all. It's worth at least looking at the card's rates and terms to give you a good idea of what to expect and whether you need the card at all.

What is a line of cards"MTS-Bank"

"MTS Money" is a card based on the international payment system MasterCard, issued in several versions. You can choose between a debit card (“Basic” rate), a classic MasterCard Standard credit card, which is available in two rates: Plus and Extra, and a MasterCard Gold credit card.

Debit card "MTS-Bank"

Speaking of the debit card, there is only one plus. If you are an MTS subscriber, then 1% is returned to your cellular account from the monthly turnover on the card. However, those few who already have an MTS Money debit card did not appreciate the conditions of this kind.

Judge for yourself: the annual maintenance of the card costs 300 rubles, in order to make purchases by bank transfer, you need to constantly replenish it. If you transfer from another card, then a commission is taken, and you can replenish it in communication stores, bank offices and terminals completely free of charge. Here we will not talk about additional services such as SMS-informing or insurance. However, simple mathematics speaks for itself: having spent, for example, 20,000 rubles per month using a card, you will receive only 200 rubles on your cell phone account. Of course, a trifle, but rather pleasant than vice versa. Therefore, let's hope that MTS Money is a card that will still find its holder.

Credit cards

It will be interesting to talk about the credit cards that MTS-Bank offers to itsclients. Reasoning sensibly, we can say that a Gold credit card is just as dubious an acquisition as a debit one. The annual service is no less than 1,500 rubles, which is three times more expensive than servicing a classic card, and despite the fact that both have the same choice of tariffs. In addition, there is no information about this card except in the tariff table. What to do with it in this case and what is its advantage over the usual one? This, apparently, will remain a mystery, so we did not talk about this card above and will not talk further, but will turn to those that have already been mentioned.

As we said earlier, the credit card "MTS Money" is a card that has two service rates - "Plus" and "Extra". The main difference is that the Plus tariff does not provide for a grace period for lending - one of the most important bonuses of any full-fledged credit card, which makes it possible to use the loan for free for a certain period, in our case 50 days. The Extra tariff has such an advantage.

Therefore, if you make a purchase using an MTS-Bank card with the Plus tariff, you immediately begin to accrue interest on the loan, which is very expensive. Therefore, choose a card with a grace period, that is, the Extra tariff. This is what sellers will persistently offer, but not because they care about the benefits of their product for the client, but because it is beneficial primarily to them.

Procedure for receiving and closing the card

Many are interested in the question ofhow to get an MTS Money card. Believe that this is not difficult, and they will try to impose it on you in every possible way if you are from 18 to 60 years old and you have a passport with you. Subject to all these conditions, right in the MTS salon in a maximum of half an hour you will receive a credit card with a limit of up to 100 thousand rubles. If you want to increase it, you will have to provide a certificate of income. At the same time, you do not need to confirm your solvency if you are a citizen of Russia and are registered in any region of the country, not even in the one where you receive the card.

If you do not know how to activate the MTS Money card, upon receipt you will be instructed what to do. You will receive a welcome text message on your cell phone containing a temporary verification code that is valid for two days from the date you received it. By calling the toll-free number 8 (800) 250-08-90 and following the instructions received from the autoinformer, you must come up with and generate your PIN code. Please be aware that various security checks occur during these transactions, so be prepared to provide the last 4 digits of your card or CVC2.

Remember that you can immediately get only a non-named card, and registered cards with PayPass technology (contactless reading of information from a card) and a chip take at least 5 days. If you read what those who need a registered "MTS Money" card write, the reviews are unlikely to please, since judging by them, it is impossible to issue such a more secure card right away. Needget an unnamed one, and then pay for the reissue and get a chipped one.

In this case, if possible, insist on issuing the card you need, and the best option would be to call the bank and find out if it is possible to immediately issue a personalized card bypassing the name card.

If for some reason you no longer need a card, you need to know how to close the MTS Money card correctly. To do this, you must, without fail, pay off all the debts you have on the card at the time of the decision to close. After that, you should personally go to a communication salon or bank office and write an application for closing an account, indicating in it that you refuse to reissue the card in your hands and receive a new one.

Deposits, withdrawals and account management

Many people have problems regarding how to replenish the MTS Money card. It's easy to do. You can deposit cash without paying a commission and in a matter of seconds at the cash desks of MTS stores and bank offices. A good option would be a cashless transfer from a bank account of any bank or replenishment through the Cyberplat and Eleksnet terminals.

You can withdraw cash without commission at ATMs of MTS-Bank and banks that are members of the United Settlement System. More information about it and ATM addresses can be found on the official website.

Becoming a holder of the MTS Money banking product, you can check the card balance by connecting services such as mobile and Internet banking, as well as SMS informing. itwill give you the opportunity to control the state of the account, wherever you are, at any time of the day or night.

Cash bonuses

If you receive a card, you have the opportunity to use various paid bonuses that come with it. This is the MTS Bonus program, a set of paid options, receiving discounts from bank partners and the Lucky Purchase bonus program, a bonus program from the international payment system MasterCard.

MTS Bonus

It's no secret that MTS returns bonus points to the card under this program, where 1 point is equal to 30 rubles spent on the card. As a new customer, you will receive 1,000 welcome bonuses if you pay for goods and services with a card for a total of 3,000 rubles. Points under the program are credited twice a month - before the 10th or 25th day of each month, depending on the time of the purchase.

Also, MTS subscribers can exchange points for minutes of calls within the network, Internet, SMS and MMS. Also if the possibility of paying with bonuses for subscriptions to popular media.

Please note that points are not awarded for every card transaction. You can read more about this on the official website of MTS-Bank, as well as find out the balance of the MTS Money card, along with information on bonus accruals.

Paid options. Mobile Program

If you are an MTS subscriber, then if you pay 300 rubles a year, 3% of the amount of purchases made by credit card will be returned to your cell account every month, but not less than 3,000rubles. If you are a debit card holder, you will receive 1%, but this option will be free for you.

Paid options. Shopping Program

Paying 1,200 rubles annually, you will also receive 3% of the card turnover per month in pure money, but not more than 5,000 rubles a month. At the same time, in order to receive bonuses, you must make purchases and pay for them by bank transfer in the amount of 15,000 rubles per month.

Paid options. Savings program and Travel program

Each year paying 700 rubles, you will receive from 5% (if the amount does not exceed 20,000 rubles per month) to 8% (if the turnover exceeds the amount of 20,000 rubles) every month under the terms of the bonus program "Cumulative").

The Travel option, which costs 1,300 rubles a year, makes it possible to receive bonus points and compensate for the cost of buying air tickets, booking hotels and renting vehicles. Spending 20 rubles in Russia, you get 1 point, buying something abroad, you get 2 points for the same amount. 1 point=0.5 rubles, funds are debited from the bonus account to the main card account automatically after accumulating 3000 points. The maximum amount of accumulated bonuses is 6000.

However, there are a few things you need to be aware of here:

• You can connect only one bonus program from among those offered.
• If you decide to switch to another, the balance of unused funds for the old one will not be returned to you.
• If the bank, at its discretion, disables any option for you, it is obliged to return the balance to youunspent funds.
• Money for the paid option, as it is written in the contract, is withdrawn from your own, and not from the cardholder's credit account. In fact, funds are debited from where there is a sufficient amount of money, and this can be both a credit and a debit account. Therefore, you need to keep track of all expenditure transactions in order to know where the cost of the service is calculated from.

Lucky Buy program. Discounts from bank partners

This is the most standard bonus program that most banks have. You have the opportunity to receive discounts from partner stores when buying with a card. There are not so many of them and information about them and current promotions can be obtained on the official website of MTS.

MasterCard international payment system bonus program

Few people know about this opportunity, but international payment systems also have their own customer reward programs. To get information about bonuses, just go to the website of the MasterCard payment system.

People are talking

It's not a secret for any of us that how many people, so many opinions on any occasion. Like any banking product, MTS Money is a card, reviews of which vary, but have a more negative connotation. All of them are based mainly on human errors: they didn’t properly close the card, they didn’t keep track of which paid services were connected, and they didn’t turn off unnecessary ones, they didn’t read the service agreement carefully or didn’t read it at all, they didn’t studythoroughly the tariff table, lost the PIN-code and paid money for the reissue of the card and much more.

Therefore, if you decide to become a holder of this card (as well as any other credit card), follow the main and important advice: study all the details "from" and "to" before taking it. Then you will not get into an unpleasant situation and get the maximum benefit when using.