VTB 24 cashback debit card: reviews on conditions

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

VTB 24 is the second largest state bank in Russia. It provides its customers with the opportunity to choose from a variety of banking products for every taste. Not so long ago, a new universal card was released that combines most of the main advantages of other credit or debit cards. The new product is called "multicard" because it has a wide range of functions. In this article, we will consider the conditions and main advantages of the VTB 24 debit card with cashback. Product reviews will be provided below.

Map Description

Because the map has only recently appeared, it causes a lot of questions from users on the network. Multicard is a "platinum" banking product from VTB Bank, which combines most of the positive qualities of several cards at once.

The essential difference of the multicard from other similar offers is that it fits the needs of almosteach client. It can satisfy the aspirations of customers who want to receive cashback, save their savings or use it for online shopping. This becomes feasible thanks to the plug-in options. Thus, it turns out to customize the card to the individual needs of each individual client. Reviews of the VTB 24 debit card with cashback confirm this.

It can be both credit and debit at the same time. If you use it to transfer wages or pensions, that is, as a debit card, it will be allocated to a separate category of multicards.

Conditions

Basically, everyone is interested in whether the multicard really differs from other offers of the bank, and whether there are moments in its conditions that are unprofitable for the client.

Receipt and maintenance of the card occurs on the terms of the multicard option package. Thus, when registering not only a credit, but also a debit multicard, a certain package of services is automatically connected. The cards themselves, up to five pieces, are provided free of charge, but you will have to pay for connected services. However, if the minimum requirements are met, the service charge will be cancelled.

According to reviews, the conditions of the VTB 24 debit card with cashback are quite acceptable.

Fares

As for connecting an additional package, the tariffs for it are as follows:

1. In a bank branch, it will cost 249 rubles. After a month, this amount can be returned to the accountof the client, if he has fulfilled the conditions for free multicard service.

2. Through the bank's website, the package is connected free of charge.

Requirements

With regard to the service package, as well as the cards issued within it, multicards are served free of charge if one of the following conditions is met:

1. The balance of the client's funds on all bank accounts must be more than 15 thousand rubles. This takes into account current and savings accounts, deposits, as well as master accounts opened in addition to debit cards.

2. Purchases with bank cards, regardless of whether they are debit or credit, must be made for at least 15 thousand rubles a month.

3. At least 15 thousand rubles per month must be credited to the debit card. Accruals must be made by individual entrepreneurs or a legal entity. Thus, VTB 24 salary debit cards with cashback also fall into this category. Feedback on fares is mostly positive.

If one of the above conditions is not met, 249 rubles will be debited from the card account every month.

Issue and maintenance

The multicard package includes free issuance of up to 5 debit and 5 credit cards in the platinum category. Maintenance of these cards will be free. Do not confuse package service with card service.

If you apply for a VTB multicard online, you can choose the payment system thatnecessary. Three options are provided: MasterCard, Visa and MIR. When issuing cards directly at a bank branch, the choice of a payment system, as a rule, is not provided. Most often, these are the systems that are in the priority position of a particular bank.

According to the reviews of the owners, the VTB 24 debit card with cashback also provides the opportunity to open a savings account free of charge. You can store your own funds on it with the accrual of a certain percentage. This becomes a kind of deposit, which can be replenished or debited at any time without losing the interest received. The rates on this account vary depending on the period that the funds are on it. That is, the longer the money is not withdrawn from the account, the higher the interest on the deposit becomes. Interest is calculated every month.

This option, officially called "Savings", makes it possible to receive up to 1.5% annually with the condition of spending more than five thousand rubles on the card. Until the end of 2017, the option is also active, in which an interest rate of 10 percent applies to Savings.

Reviews on tariffs for a VTB 24 debit card with cashback are presented at the end of the article.

Credit multicard

VTB multi-card with a loan is by far the most popular in the bank. The main advantage of this card is that the client can choose a specific bonus program and cashback option during registration. There is also the possibilitydetermine the categories in which the cashback will be increased.

The main features of a credit card from VTB are the following points:

1. Free service under the conditions listed above.

2. Credit limit on the card up to 1 million rubles.

3. Interest rate up to 26 percent per annum.

4. Grace period 50 days. At the same time, unlike many other banks, the grace period applies not only to purchases, but also to cash withdrawals.

5. The minimum monthly deposit amount is 3 percent of the debt. Payment is due by the 20th day of the month following the date of the first card transaction.

6. The commission for cash withdrawal is 5.5 percent of the amount or a minimum of 300 rubles.

7. Cashback is up to 10 percent and depends on the total amount spent per month on purchases.

To apply for a credit card, you will need an identity document (passport of a citizen of Russia), a pension insurance policy and a copy of the work book or employment contract certified by the employer.

VTB 24 debit card with cashback

According to reviews, this card is the most popular.

As mentioned above, a multicard can be issued as a debit card in order to store the client's personal funds and pay for purchases not only on the Internet, but also in shopping centers around the world. This card is beneficial due to the cashback system and the possibilityfree service subject to certain conditions.

Features of the multicard include:

1. Maintenance of the card is free of charge under the conditions described above.

2. Up to 10% cashback on purchases.

3. Cash withdrawal without commission at specialized VTB ATMs.

4. Commission-free cash withdrawal from ATMs of other banks, subject to purchases of at least 5 thousand rubles.

5. The interest on the card balance is up to 7 percent and directly depends on the amount of funds spent. If you spend more than 75 thousand rubles monthly, you can get the maximum amount of interest on the balance on the VTB 24 debit card with cashback. Reviews about the bank are of interest to many.

Cashback and bonus programs

The most basic and profitable in purchasing a multicard is various bonus programs and cashback. These programs apply to both credit and debit cards. At the same time, all conditions and nuances are the same for both types of cards.

By issuing a debit or credit multicard, customers can activate an option that allows you to receive increased cashback for certain categories of purchases.

There are several options to choose from. However, it should be borne in mind that if you spend less than 5 thousand rubles on the card, the cashback will not be credited. The largest cashback, as was said, is credited when making purchases of more than 75 thousand rubles a month.

Options

Multicard offers the following options:

1. "Auto". It allows you to return money to the card when refueling the car and paying for parking. The maximum cashback for this option is 10 percent.

2. "Restaurants". Cashback is credited when paying with a card for restaurants and cafes. If spending is 75 percent per month, then the return will be 10 percent of this amount.

3. Cashback for everything. Refunds are made for all purchases, including online stores. However, the maximum interest on it is 2%.

4. "Travels". Gives you the opportunity to receive bonus miles for every 100 rubles in the check. In the future, the received points can be used to pay for air tickets, hotels, hotels, etc.

5. "Collection". This is a bonus program that involves receiving up to 4 bonuses for every 30 rubles. Further, the accumulated bonuses can be spent on goods from a special catalog.

Reviews

First, consider reviews of the VTB 24 debit card with cashback.

Everyone must decide for himself whether it is worth issuing a multicard from VTB Bank. The card receives mostly good reviews. However, many note that the bank has somewhat confused the conditions for cashback and some options, which makes the multicard not understandable to everyone. Sometimes you need to carefully read all the nuances in order to understand all the conditions and evaluate the benefits of designing a product in a particular case.

What other reviews about the VTB 24 debit card with cashback are there?

Somenote that the map is aimed at those people who plan to actively use it. Otherwise, its design does not make much sense and is simply impractical. One of the disadvantages of the card is the very high amount that must be spent in order to get the maximum number of privileges. It is worth opening this card only if a person is ready to spend at least 15 thousand rubles on it monthly. Smaller amounts involve a card maintenance fee of 249 rubles, which is naturally disadvantageous for a debit card.

Reviews about the bank are generally positive. It is considered a reliable credit institution, cooperation with which is beneficial to everyone.

We reviewed customer feedback on the VTB 24 debit card with cashback.