Credit card "Tinkoff Platinum": conditions, design, reviews

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

Joint-Stock Company "Tinkoff Bank" is a financial company that specializes in remote services. The first and only banking institution that operates without its own bank terminals and offices. The key directions of the organization when working with individuals are Tinkoff Platinum debit and credit cards.

Tinkoff Platinum credit card

The Tinkoff Platinum bank card with a credit limit is a classic financial product with a grace period. It is convenient to use every day.

Credit card "Tinkoff Platinum" - conditions:

• Interest-free period - 55 days.
• The maximum limit in rubles is 300 thousand.
• Monthly payment - 8% of the amount spent, but not less than 600 rubles.
• Annual maintenance of the main/additional credit card - 590 rubles each.
• Participation in the insurance program - 0.89% of the amount owed.
• SMS alert - 59 rubles every month.

Step by step instructions for obtaining a credit card

Don't know how to apply for Tinkoff Platinum? To get it, you need to follow a few simpleaction:

• On the official portal of the bank, fill out and send an application (passport information will be required).
• Wait for a decision, which takes a few minutes. The applicant can be called from the bank if there are additional questions.
• If the decision is positive, the card will be delivered by a bank employee at a convenient place and time. Shipping within one week.

The credit card is transferred to the client in an inactive state, that is, it is impossible to pay for goods and services, as well as withdraw cash from it. To activate your account, you need:

• Call the hotline number or do it online.
• After activation, you need to save the PIN code.
• Put a signature on the "plastic".

Now the card is ready to go.

Tinkoff Platinum Bonus Program

All credit card holders participate in a special program and receive bonuses for purchases. The higher the amount of the check, the more points are returned to the account. With the accumulated points, you can compensate for purchases from categories: cafes / restaurants and tickets for railway transport.

Bravo bonus accruals:

• With each payment with a Tinkoff Platinum card - the percentage is returned to the account.
• From 3-30% for special offers that can be set up in your personal Internet banking account.

Interest free period

Grace / interest-free period - this is the period during which you need to pay the amountdebt so as not to overpay interest for the use of borrowed funds. For a Tinkoff Platinum credit card, this period is 55 days.

The interest-free period begins not from the day the funds are spent from the card account, but from the moment the next monthly statement is received. For example, if the client received it on May 11, then the grace period will be valid until July 4 (55 days). A month period from May 11 to June 11 is provided for spending funds from a credit account, from June 11 to July 3 - for debt repayment.

Credit card with a limit of 120 days "Tinkoff Platinum": conditions

This is the same bank card with a credit limit, but with an extended interest-free period. Only a beginner can issue it, that is, the client who does not yet have a credit card at Tinkoff Bank. You can get a card in a similar way:

• On the Tinkoff Platinum card, the online application is registered on the official website.
• After approval, the bank employee brings the card to the applicant.
• To activate your account, you must call the hotline.
• If you need to transfer funds to a card of another bank, then inform the operator about the desire to activate the service - balance transfer.
• Tell the manager the number of the card to transfer funds to.

After the operation is completed, Tinkoff Platinum cardholders have 120 days to deposit funds to pay off the debt, when interest will not accrue.

Free Tinkoff Platinum services

Free services provided by the bank:

• Depositing money on the card through bank partners (to close debts).
• Internet banking.
• Mobile banking.
• Information about completed operations.
• SMS notification of account replenishment, a reminder of the next payment, and more.
• Monthly account statement (via email or letter).

Fines and commissions

The terms of use for the Tinkoff Platinum card are as follows:

1. Pen alty for non-payment of the minimum payment in rubles:

• First month – 590.
• For the second month in a row - 590+1% of the amount owed.
• Next - 590+2% of the amount of the debt.

2. Pen alty for late payment of the minimum payment - 19% per annum.

3. Commission for cashing out - 290+2, 9%.

4. Payment for spending funds above the established credit limit - 390.

Interest

The interest rate on the Tinkoff Platinum credit card varies and depends on the operation performed using the credit card:

1. Payment for purchases:

• 0% during the grace period;
• From 19.9 to 29.9% per annum after the grace period, subject to the timely payment of the minimum payment.
• From 32, 9-49, 9 per annum after interest-free period and non-payment of the minimum payment.

2. With Tinkoff Platinum card cash withdrawal - 32, 9-49,9% per annum.

3. Commissions for other activities - 32.9-49.9% per annum.

How to deposit funds to the card

The direction of Tinkoff Bank is remote work with clients. In addition to the fact that the organization does not have its own offices, they also do not have ATMs. But it's not a problem to close credit card debt, since the organization has a network of partners, including 350,000 payment points with the ability to deposit money.

The easiest way to replenish a Tinkoff Platinum card (according to reviews) is a debit card of this or any other bank. In addition, it is possible to replenish the account by bank transfer or by depositing cash through payment terminals. All these methods do not involve paying a bank commission, but in some cases you will need to pay a partner, therefore, in order to save money, you should study the conditions before the operation.

In addition, do not forget about the timing of the transfer of money. Transferring from one card to another or depositing funds through the terminal is usually completed in a few minutes, but a bank transfer can take several days. This circumstance should be taken into account in order to avoid late payment.

Financial card transactions

The procedure for transferring funds to a bank card with a Tinkoff Platinum credit limit can be performed in different ways:

• By bank transfer. Before sending money using this method, you need to make sure that the selected financi althe organization does not charge commission for the operation and is indeed a partner of Tinkoff Bank. There are companies that charge fees, but they do it purely symbolically. For example, Avangard Bank charges 10 rubles for a bank transfer, regardless of the amount.
• Transfer from another bank's card. Tinkoff Bank itself does not charge a commission for such a procedure, but the second party may charge a fee for the service. This point should be clarified before sending money. When sending funds from a Tinkoff debit card to a credit transaction, it is performed instantly and without any fees. Internet banking has a separate module for making transfers.
• Transfer through partner banks. The full list of partners is published on the official website of the organization, in the Internet bank, as well as in the mobile application. Transfer fees are most often not charged, but there are exceptions. For the operation, you must provide the number of the loan agreement, sometimes a passport is required.

In addition, from a bank card with a Tinkoff Platinum credit limit, you can transfer funds to any other, but you will need to pay a commission, which is 2.9% of the transfer amount plus 290 rubles for the transaction. Since the interest-free period applies exclusively to paying for purchases, interest will be accrued for spending credit funds.

How to find out the balance

You can get information about the balance of credit funds in your account in different ways:

• Via internet banking. This is the fastest and easiestway. The data is updated in real time, so any errors are excluded.
• By customer support number 880055510101. This method is convenient to use when there is no Internet at hand. The operator will ask a few questions for identification, after which he will tell you in detail about the state of your account.
• By sending an SMS to 2273 (MTS, Megafon and Beeline). After sending a message with the text "Balance" and the last four digits of the bank card number, information on the account will be received.
• Via mobile phone application. As fast and convenient as internet banking, internet is a must.

Reissue credit card

One month before the bank card expires, the bank automatically issues a new one. It is also brought to the client by a bank employee by prior arrangement. Reissue is not performed in two cases:

• When a customer has an overdue credit account.
• If the owner has not used the card for a long time and has not performed any actions on it.

If it was lost or stolen, then you can reopen the Tinkoff Platinum card ahead of schedule. To do this, you need to call the toll-free number 88005551010 and report the reason for which a reissue is required. After receiving the application, the client will receive a new one as soon as possible.

How to close the card

To close a Tinkoff Platinum credit card, several steps are required:

• Repay the debt to the bank and pay all commissions. You need to call the customer support service of the bank. After passing the identification, the dispatcher will tell you the exact amount due for the current month. Be sure to ask a bank employee to turn off the SMS banking service, since a monthly fee is charged for it every month. Check with the operator whether this amount is full for the calculation, and whether interest will be charged on it next month. After closing all debts, for reliability, the credit card should be blocked if you do not intend to use it in the future. In case of overpayment to the bank, this amount can be claimed back to the specified details. In addition, you can find out the amount of debt in the Internet bank.
• Send an application to the bank with a request to close the card account within thirty days. If necessary, you can withdraw the application within the same period.
• The contract states that the card is the property of the bank and must be returned to the owner. In practice, it is extremely rare to return a card, because after closing it turns into an ordinary piece of plastic, but just in case, you can keep it for several months in case of a return request.
• After 30 days, you need to call the Tinkoff customer support service to make sure that the account is closed and ask for a certificate, which must be blue stamped. A banking institution cannot refuse you, they are obliged to send it by mail to your home address.

How to find out and increase your credit limit

Credit limitcards - this is the maximum amount that the client can spend. It is installed individually and can reach 300 thousand rubles. You can find out the amount that is available to you, as well as other conditions of Tinkoff Platinum and tariffs in Internet banking or in the letter attached to the credit card.

The credit limit of these cards is renewable. With timely payments, you can always pay with it in stores.

Many credit card holders have a question: how to increase the limit on the Tinkoff Platinum card? It is impossible to do this at the request of the owner, only the bank makes such a decision. To contribute to the increase in the amount, it is required to use the card as often as possible and make payments set by the bank on time, Tinkoff encourages and trusts respectable borrowers.

Advantages and disadvantages of the Tinkoff Platinum card

A bank card with a credit limit from Tinkoff Bank has a number of positive aspects:

• Ease of design.
• Free shipping.
• No proof of income required.
• Long interest-free period for paying off debt on the Tinkoff Platinum card up to 120 days.

But besides the pluses, this banking product has its drawbacks:

• For new customers, the percentage for content is quite high.
• The initial credit limit of the card is low, and many who issue it hope to receive the promised 300 thousand rubles.
• Unprofitable to shootcash because the fee is very high.

Should I open a Tinkoff credit card of the bank

It is beneficial to issue a Tinkoff Platinum credit card based on customer reviews in several cases:

• You can easily go without cash.
• It is more convenient for you to pay for purchases with a card, not cash.
• Your income is stable enough to make payments on time and pay no interest.

It is impossible to answer the question whether it is worth getting a credit card. Everyone must decide for himself.