Bank Vozrozhdenie, credit card: how to apply, terms of use, reviews

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

Vozrozhdeniye Bank's financial products are popular among residents of big cities. One of the most popular tools is a credit card. We will tell you how to arrange it and use it correctly in this article.

Detailed information about the bank

Since 2015, the bank has been a member of the PromSvyazCapital financial group. Today it has offices and branches in every major city in Russia. The financial institution serves both corporate clients and individuals. The entire range of banking products is available for private clients:

• Finishing a loan, including a mortgage (that is, to buy a home).
• Opening deposit accounts.
• Settlement and cash transactions.
• Debit and credit cards.

Bank employees are trying to take care of their customers: they are developing new lending programs, favorable deposit conditions.

What is the Renaissance Credit Card?

Types of plastic cards

The bank has a whole line of credit cards, sothat the customer can always choose the most suitable product. They have certain similarities and differences among themselves, the higher the cost of annual maintenance, the greater the number of bonuses and offers valid on a credit card.

You can apply for a Vozrozhdenie credit card at a branch or online.

"Privilege" Standard/Classic

The card is suitable for paying for purchases both abroad and in Russia. It can be provided as a guarantor of solvency when leaving the Russian Federation. The release is free of charge. Cash can be withdrawn from an ATM of any bank. For registration, a certificate in the form of the employer is required. Credit limit up to 150,000 rubles. Interest rate - 22%. Maintenance fee - 250 rubles per year.

“Basic” Standard/Classic

The card can also be used in Russia and abroad. The rules for cash withdrawals and payments are the same. For issuance, a certificate in the form of a bank is required. Credit limit up to 100,000 rubles, interest rate - 26%, annual service 500 rubles.

"Privilege" Gold

This is a Vozrozhdenie credit card with high quality service and special privileges. If the client loses it, a duplicate is issued to him very quickly. It can be delivered to any region of our country and even beyond its borders. A bank statement is required. The credit limit is 300,000 rubles, and the interest rate is from 18 to 22%, maintenance is 750 rubles annually.

Basic Gold

Needbank statement. Credit limit up to 150,000 rubles, interest rate - 26%, annual service 1,500 rubles.

How to activate a Vozrozhdenie bank credit card, see below.

Privilege Platinum

The card is issued only for VIP clients. It is intended for regular payment of purchases in the amount of at least 10,000 US dollars. Card service is carried out at the highest level. To issue a credit card, you must submit a certificate in the form of a bank. Credit limit up to 1,000,000 rubles, interest rate - 20%. The bank will charge 1,500 rubles for servicing the card.

Vozrozhdeniye credit card tariffs are of interest to many.

"Loyal" Platinum

Also a VIP card. The credit limit is up to 500,000 rubles, the interest rate is from 19 to 23%, the annual service is 1,500 rubles.

Terms of use of plastic cards

You can get a Vozrozhdenie credit card on terms different from other financial institutions. Consider them in more detail:

• The grace period is not calculated in a completely standard way, since its duration has different durations. The refund period for the card always ends by the end of the 25th day of the month in which you made purchases with a credit card. That is, if the money was withdrawn on November 3, then they should be returned before November 25. If you made a purchase on November 27, then the money must be credited to the card by December 25. What other conditions applyVozrozhdenie credit card?
• The amount of the monthly payment is at least 5% of the amount owed, but not less than 100 rubles.
• The presence of a special mobile application allows you to track the accrued interest and the general state of the account. Interest must be paid monthly.
• Money can be deposited through the cash desk at the bank office, through online payments, at an ATM, at the Svyaznoy cash desk.

Before you make a purchase or decide to cash out, you must carefully read the contract and clarify all controversial points for yourself. Anything that is not clear can be clarified by phone with employees of Vozrozhdeniye Bank.

What is the rate for a credit card?

There are different tariffs for different credit cards: it all depends on how long you have been a bank client, whether you have a salary card and how good your credit history is. It is possible to withdraw cash through an ATM, but you need to remember that the bank takes an interest for this, which is 4% of the withdrawal amount, but not less than 200 rubles. If you use the services of a third-party ATM, this amount will increase to 400 rubles. Bank Vozrozhdenie's customers with excellent credit history are offered the Loyal tariff, which offers favorable conditions and a minimum interest rate.

Filing and required documents

In order for the registration of the Vozrozhdeniye credit card to be successful, you must have: a Russian passport, a completed application form, photocopies of all pagesa passport, a military ID (for the stronger sex under the age of 27), copies of a work book with marks from the personnel service, a 2-NDFL certificate, an entrepreneur’s income certificate (if the client is an entrepreneur), a declaration of the borrower of funds. All documents submitted by the client, as well as photocopies of the originals, will be checked by bank employees for authenticity.

In addition to submitting the designated documents, the client must meet certain requirements. Namely, be at least 21 years old, have Russian citizenship, a good credit history and registration in the region where you are going to receive a credit card. At the bank's office, the client fills out the issued questionnaire and makes a choice in favor of the credit card option that suits him the most. After signing the contract and accepting all the documents, the bank specialist will tell you when the card will be issued.

When applying for a credit card, the bank employee and the client must clarify some questions:

• the client needs to make a choice in favor of the payment system - "Visa" or "MasterCard";
• the employee must determine the limit on the card in accordance with the submitted documents (from 150,000 to a million rubles);
• the operator must necessarily notify the client of the interest rate (from 18% to 26%), with which the latter must agree.

The fact that the card is ready, bank employees notify the client via SMS and e-mail.

Is it possible to apply for a Renaissance credit card online?

Applying a credit card via the Internet allows you to significantly save time that can be spent on going to a bank office. So, if you want to apply for a card online, you need to go to the official website of Vozrozhdeniye Bank.

The site will offer you to fill out an express questionnaire in which you must provide some information:

• whether you are a legal entity or an individual;
• personal data (name, date of birth, place of residence, contact details);
• email address;
• acceptable time for you to call a bank employee.

Then you need to click the item "Issue a credit card". After that, you specify the data that are directly related to the loan and its registration. First of all, a tab is filled in to confirm income, this can be a 2-NDFL certificate or a document confirming income for an individual entrepreneur. Then you need to specify the method of receiving wages, the desired amount of the credit limit on the card and the repayment period. All information specified in the documents is checked by bank employees, therefore, when filling out the questionnaire, you should indicate the most truthful data. The bank may refuse to issue a credit card if the check reveals discrepancies between the data that you indicated and those that are in reality.

How is card debt repaid?

In order to repay the loan amount in the correct amount, you need to know the exact amount of repayment. Such information can be obtained in the "Personal Account", in the support service or using an SMS request. However, the bank informs its customers about the amount of debt automatically. The message usually contains two amounts: one is the payment amount for the interest-free period, and the other is the minimum monthly payment.

Money can be deposited through ATMs or cash desks, through ATMs of other banks, using an Internet payment service. To make the process of depositing money through an electronic application as simple as possible, bank customers have the option to save a payment template, which is saved once and then used as needed.

If you can't remember your PIN

Recovering a PIN code requires some actions. You should call the bank service at the phone number printed on the back of the card and report the problem. During the conversation with the operator, passport and credit card details will be required. After a while, you will be able to pick up the reissued card with a different PIN. It cannot be restored, since it is not known to any bank employee, it is not stored anywhere, the client receives it in a closed envelope.

Vozrozhdeniye Credit Card Reviews

According to customer reviews, the following conclusions can be drawn: a flexible range of interest rates for long-term customers or debit card holders is noted as the main plus of these cards. In addition, customers are satisfied with the availability of a variety ofbonus programs, a low interest rate in the first months for preferred type cards, a simple registration procedure and relatively inexpensive annual maintenance. Of the negative impressions, it should be noted that the bank is not very loyal to new customers, which predetermines very low limits for them. In addition, usually cardholders are unhappy that the low interest period ends very quickly. In most cases, according to credit card users, if the conditions of the bank are met, and if there is no need for very large amounts, these credit cards are the best option for customers.

Whether or not to open a Renaissance credit card is up to you.