Credit and debit cards "Tinkoff Bank": customer reviews

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

Tinkoff Bank offers its customers a wide range of credit and debit cards. Let's take a closer look at the nuances of these payment systems, and also find out what the holders think about them. Reviews about Tinkoff Bank cards are plentiful. Among the most popular are the following.

Platinum

According to reviews, the Platinum card of Tinkoff Bank provides customers with a credit limit of up to three hundred thousand rubles. The grace period is fifty-five days. There is no release fee. The cost of annual maintenance is five hundred ninety rubles. In addition, this card provides for a bonus program, within which points are awarded, called "Bravo" for non-cash payment for goods and services. These points can be redeemed for the full cost of purchases from program partners in the category of restaurants and train tickets for three months at a one-to-one rate. The advantages of this payment system are the low cost of servicing the card, as well as the fact that when receiving it, confirmation of income is not required. Reviews aboutTinkoff Bank credit cards are of interest to many.

All Airlines Card

Her credit limit reaches seven hundred thousand rubles, and the grace period, as in the previous case, is fifty-five days. The fee for the first year of service is charged in the amount of one thousand nine hundred rubles. The All Airlines bonus program credits its customers with miles for purchases, which can later be used to compensate for the cost of any previously purchased tickets via the Internet bank. The advantages of the card are loyal age requirements, as well as registration of the borrower along with free travel insurance. Reviews of Tinkoff Bank cards confirm this.

All Games

The payment tool All Games charges a thousand rubles for maintenance per year. For purchases made with this card, customers earn points that can be used to compensate for the full cost of goods purchased in various electronics and computer equipment stores within three months. The disadvantage of the card is that its grace period of fifty-five days does not apply to cash withdrawals.

Google Play

Google Play Card provides customers with a credit limit of up to seven hundred thousand rubles. Annual service costs one thousand rubles a year. The loy alty program provides its customers with bonuses for purchases that can be used as part of the reimbursement of the cost of purchases on the Google Play portal within three months from the day they were made. Byreviews, the conditions of Tinkoff Bank for credit cards are quite understandable.

Lamoda

This payment system is a joint program of Tinkoff Bank and the Lamoda online store, thanks to which accrued bonuses for purchases can be used to pay for services on this site. Within the framework of this bonus system, one point is equal to one ruble. The advantages of the card are loyal requirements for the registration of the borrower, as well as a large amount of the credit limit, which is seven hundred thousand rubles.

According to reviews, Tinkoff Bank cards are very popular now.

Debit cards

Among the bank's debit programs, the following products are frequently used:

• Debit card "Svyaznoy Club". The cost of annual maintenance of this system is ninety-nine rubles. In the event that there is a balance of at least thirty thousand rubles on the client's account for the billing period, the card is serviced free of charge. This debit product is tied to the Svyaznoy-Club bonus program. Thus, the more often various payments are made by the card, the more points are awarded. These points can be used as a discount from program partners, which are the Litres online library, the Teremok restaurant chain, and others. Reviews of Tinkoff Bank credit cards will be discussed below.
• Tinkoff Black card. The annual maintenance of this debit system costs one hundred and ninety rubles. Within the framework of this program, up to five percent ofthe spent amount of purchases in certain categories, which change quarterly in your personal account. The advantages of the card are the low cost of service, the absence of a commission for withdrawing more than three thousand rubles, the provision of interest on the balance, as well as the availability of a cashback system. Reviews about credit cards and interest from Tinkoff Bank are not always positive.



• WWF debit card. With this card, customers take part in animal rescue, as part of the expenses is allocated to the programs of the Fund for Support of Rare Representatives of Flora and Fauna, as well as their habitats. When using this system, the bank accrues interest to customers on the account balance. One of the advantages of WWF is the absence of a commission for withdrawals of more than three thousand rubles. In addition, using this system, you can make instant payments with one touch. This will be confirmed by reviews of the Tinkoff Bank debit card.
• Ulmart card. When paying for purchases using this card, customers will receive a refund of part of their spending in the form of points. In addition, three hundred bonuses for the first purchase are provided as a gift. But not all reviews of Tinkoff Bank debit cards are positive.
• Aliexpress. With this card, you can earn points in the amount of two percent of the money spent by making purchases on the Aliexpress website. For any other purchases, customers will be able to return one percent of bonuses. This card also supports instant one-touch payments. In addition, clientssuch a service is provided as the availability of complete statistics on accounts, as well as the possibility of making any payments and transfers on a computer or on a phone.

Reviews about Tinkoff Bank cards

In their reviews of bank credit systems, people share that they like the fast delivery of cards when they order. Bank representatives who bring cards take their time to advise customers if they have any questions. Thus, customers are told about the additional bonus features of the products provided.

People like that, in addition to withdrawing cash from any ATM, a good interest is charged on the money that is simply on the card. At the same time, for the money spent, people get back an increased cashback for all kinds of promotions, which can be tracked through a mobile application. According to many reviews, it is worth saying that customers are satisfied with how much they can save. What other reviews about credit cards 2017 "Tinkoff Bank" are there?

People who have used the bank's services for a long time say that customer service is carried out in accordance with the conditions prescribed in the contract, which are fully implemented. Thus, within the framework of the service, interest is honestly calculated on the debit card balance. Moreover, the interest provided for accrual is one of the highest in Russia. Thanks to all the positive aspects of the bank's work, customers write in their comments that they are very satisfied with its services andthank you for the promptness in resolving any issues that arise.

According to reviews, the conditions of the Tinkoff Bank card are often violated. In a number of comments, dissatisfied customers say that the bank says one thing, but does something completely different, and besides, it takes a very long time to call the operators. For example, there are situations when a credit card is delivered to a person's home with a limit that does not correspond to the previously agreed amount. Along with this, the representative may come with an agreement on an interest rate, which also will not comply with the previous conditions. In this regard, already experienced clients are advised to carefully check the signed agreement.

Also, experienced bank customers are advised to be especially careful when filling out the questionnaire, as there is one nuance in which there are two empty squares at the bottom of the document, which must be ticked. Customers who do not do this, after activating the card, have to pay an additional sixty rubles for SMS alerts every month, as well as another five hundred and ninety for insurance of the provided loan.

There are many customers who regret that they contacted the Tinkoff Bank credit card at all. They write that they had to pay huge late payment fines, and received only rudeness from the bank employees along with threats. In addition, in such situations, it is quite difficult to close the card. So, if the payment is ten days late, regardless of the reasons for the delay, the clienta fine is issued in the amount of one hundred percent of the monthly payments, which, of course, is a lot.

Thus, there are a variety of opinions about Tinkoff Bank credit cards on the Internet, which are both positive and negative. Among the main advantages, the following advantages of this payment system are most often called:

• Having an interest-free period that is up to fifty-five days, which means that during this time customers are not charged any interest when they pay by credit card for any purchases, which, however, is not available for cash withdrawals spreading.
• Against the background of regular repayment, the bank regularly increases the credit limit.
• Customers are especially pleased with the bonus points. That is, when a person pays with a card, he receives one point for every hundred rubles spent, which are later deducted from the amount of the total debt.
• People also like internet banking. This service is easy to use, in addition, thanks to it, you can independently control any transactions on the card. This is especially convenient for those who live abroad or are unable to contact the bank.

Cons of credit cards

People identify the following shortcomings:

• The presence of the initial catch associated with the insurance option of the Platinum credit card of Tinkoff Bank. There are reviews on this. In this regard, people are advised to immediately contact the bank support service afterafter the card is delivered to the customer in order to cancel the unnecessary insurance service. Otherwise, every month a hundred or two will be added to the total debt as credit insurance, which, of course, no one needs.
• Customers are not satisfied with overly high interest rates.
• When issuing such cards, there is always a danger of squandering all the money at once at the first opportunity. But this, however, refers to matters of self-discipline.

Customer feedback on Tinkoff Bank debit cards

In their comments about bank debit cards, people name many advantages of this payment system, among which the following advantages are most often mentioned:

• Debit cards for depositors are completely free, no commission is charged for their issue, as well as maintenance.
• Cash withdrawal is free of charge at absolutely any ATM around the world, subject to withdrawal of at least three thousand rubles.
• You can top up Tinkoff Bank debit cards through partner banks, for example, Qiwi, Euroset terminals, mail and so on. This can be done for free four times a month.
• Ten percent per annum is charged on the funds that are on the card. And when using a card to pay for purchases in stores or on the Internet, a cashback is made and half a percent of all purchases is returned back to the account. As for the category of goods with increased cashback, they change every three months.
• Transfers from the card to any other banks occur without debitingcommissions.
• The client has the opportunity to issue additional cards free of charge. On each card, you can set a limit on cash withdrawals, as well as on the use of the amount per month. In addition, you can allow or prohibit transactions via the Internet. All this is done extremely quickly, in just a couple of minutes through the Internet bank or mobile application. All software systems of the service work very stably.
• Customers also like the convenience of tracking their spending, in which the card itself calculates how much money in rubles was spent on certain goods. We have provided customer reviews on Tinkoff Bank credit cards.

Disadvantages of debit cards according to customers

Customers also write about the following disadvantages of debit cards:

• No bank offices.
• Many people don't like that the cashback is at best one percent and its upgraded categories are not very popular.
• There is no formalization of a written bank deposit agreement, which may carry risks.
• Some are not satisfied that you can withdraw cash for free only from the amount of three thousand rubles.
• Also, many are not satisfied that the minimum balance for free service is thirty thousand rubles.
• Customers are required to spend at least three thousand rubles a month in order to earn interest on the balance.
• People don't like forced SMS service, fromwhich you should immediately refuse at the stage of compiling the questionnaire, otherwise you will have to pay an additional forty rubles a month.
• Another disadvantage is that the cashback is rounded not in favor of the client, for example, from a purchase amount of two hundred and ninety-nine rubles, it will be only two rubles, and not 2, 9. In addition, from purchases up to one hundred rubles cashback is not provided at all.

Today, Tinkoff Bank offers its customers a variety of both credit and debit cards. In general, according to most reviews, it can be said that customers are satisfied with the quality of the services provided.

The article contains reviews about credit cards and interest rates of Tinkoff Bank.