Uralsib credit cards: reviews, registration, conditions, grace period, cash withdrawal

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

Uralsib Bank started its activity in 2005. Today it is in the Top 10 largest financial and credit organizations in the country.

The bank offers its customers more than 15 types of credit cards. Each product is distinguished by discount programs, special offers, annual service fees, bonuses, etc. Uralsib cards are maximally protected. They have a built-in microchip, the PIN code is available only to the client, each operation is accompanied by an SMS notification, purchases are impossible without one-time passwords (3D-Secure system). So how do you choose the best one? Let's try to figure it out.

Loan terms

The bank has a number of conditions for opening a credit card. Here are some of them:

• The credit card of Uralsib Bank operates on an overdraft basis. That is,a loan is opened in case of overspending of personal money.
• This card is issued only to a bank client. That is, it is necessary to have at least one account in it or receive wages through Uralsib, etc.
• Interest on the credit card "Uralsib" - up to 28% per annum. They are selected individually in each case. For example, if documents confirming income were not provided when opening a credit card, then the maximum rate will be assigned.
• The credit limit approved by the bank is 500,000 rubles.
• The grace period is most often set at 60 days.
• Uralsib credit cards (this topic is emphasized in the reviews) are issued for three years, but you can use the loan as long as you open a deposit account.
• Fee is charged for money transfers and cash withdrawals. Most often it is 3.9% (but not less than 300 rubles).
• Maintenance of the card costs an average of 299 rubles. in year. It depends on the class and type of the card.
• Almost every card has a bonus program "Compliment". Received points allow you to purchase tickets, book hotels, etc.

Requirements for the borrower

Uralsib does not set any special conditions and rules for the borrower. Standard Requirements:

• Russian citizenship.
• Be registered at the place of residence in the region where the card was issued for at least 6 months.
• Age restriction from 25 years old.
• To a Borrower who is over 60 and does not havelife insurance or disability risks, the bank has the right to suspend the Uralsib credit card (reviews warn about this).
• The borrower must hold the last position for at least three months.

Uralsib credit card: terms and conditions

You can prepare a minimum package of documents. It will provide an opportunity to open a loan, but with a high interest rate. If you collect documents according to the required maximum, then experts will select the most advantageous offer in each individual case.

To apply for a Uralsib credit card with any of the selected options, you must provide a passport and a questionnaire (filled in at the bank). To reduce the rate, you can add an extract from the salary account, a certificate of income and a second identity document. This can be a TIN, driver's license, passport, etc.

Annual interest rate

For all types of credit cards it is 28%. In some cases, for example, for owners of payroll programs, the rate may be reduced. Each package of documents is considered individually.

Validity period

Uralsib bank credit card of any kind is valid for three years. The agreement with the bank can be extended simultaneously with the re-issuance of the card, subject to the requirements of Uralsib. In addition, any of the loan programs necessarily has a grace period (that is, debt repayment without interest). Unlike most banks, in which the benefit is valid for no more than 55days, Uralsib provides 60 days.

By the way, the bank makes a concession to customers and makes it possible to replace the card under the outdated lending program with a new Uralsib credit card with a grace period. Only those who have "hitches" in their credit history are denied.

Credit card activation

Any of its kind requires activation. The procedure is simple: any transaction at a terminal or ATM with a PIN code request (it is indicated in a secret envelope issued with the card).

Cash out

The procedure can be performed at any of the Uralsib ATMs and terminals of partner banks. These include Mezhtopenergobank, Rosinterbank, Uglemetbank and others.

In any of the terminals, this service will cost from 300 rubles to 3.9% of the amount issued.

Make payments

According to the terms of the bank, you can repay the debt in several ways:

• Directly in the office.
• Uralsib ATM or any other ATM that supports the cash in function.
• In the terminals of the bank and its partners.
• Transfer from an account from any other financial institution.
• Debit from salary card.

Repay the loan, according to the terms of the bank, you can use any amount, but it must be at least 5% of the total debt.

Views

Loan products offered by the bank are varied. Most of them include Infinite/Black edition, Gold, Platinum, Classic/Standard. There are two payment systems: Visa andMasterCard.

Conventionally, bank credit cards are divided into two types:

1. With grace period.
2. For participants in the salary program.

Grace cards

The choice, according to customers, is more than enough. Most popular offers:

• Standard or classic. Includes the usual set of services. As an incentive, a cash back function can be added. Annual maintenance and issue - from 299 rubles. This type of card is the most popular. It is chosen by customers who purchase a similar product for the first time. Among the advantages, one can single out the failure to provide a certificate of income (it can be replaced by a driver's license or a passport). As well as a limit of 500,000 rubles, most banks are more than 300,000 rubles. do not offer. The disadvantage of the classic card, often mentioned in reviews, is the non-distribution of the grace period for cash withdrawals.
• "All the World", Premier/Optimum. These Uralsib credit cards (reviews are full of thanks) are designed for travel, including booking tickets, hotels, etc. Issue - 6,000 rubles, annual service - 699 rubles. Chip cards - bonus points - compliments. Compliments from World MasterCard^® Worldwide American Express^{® Optimum Worldwide and others are available today. This card (obvious advantage) does not require work experience and does not require the client's insurance.}
• Lukoil. Works only at gas stations of the Lukoil company. Issue and maintenance costs 900 rubles. Accumulated points (one point - one rublediscounts) you can not only spend on paying for fuel at Lukoil gas stations, but also purchase goods in this network. Accrual occurs according to the scheme - 50 rubles - one point at gas stations and 75 rubles per point at other outlets. The card even allows you to fully pay for the purchase with points, adding one ruble in cash to them. A pleasant advantage of the card, judging by the reviews, is the absence of requirements for customer insurance and work experience.

• Telephone. Bonuses (1 or 2% of the purchase amount) for any purchases are transferred to pay for the phone. Release and maintenance - 900 rubles. The card is considered the best tool for saving money on communication and is the most popular. The recognized advantage of this credit product is the lack of binding to a specific operator, like similar cards of other banks.
• "A worthy home for children", Standard/Gold. It is intended for participation in charitable programs organized by the Victoria Foundation. Issue 900 rubles, maintenance - 2,999 rubles. The bank transfers 0.5% of the amount of each purchase made with this card from its own funds.
• Premium, Gold or Platinum. Additional services and privileges have been added to the standard set of services. For example, an insurance policy for up to 71,000 euros. There is also the possibility of emergency assistance to the cardholder (cash withdrawal, replacement of lost plastic, etc.). The card has the option of contactless payment. Release/maintenance - 2,999/6,000 rubles.

The highest premium category, Edition, MasterCard Black, VISA Infinite/World. Premium cards are the key to privileges and benefits. Each is serviced personally and has exclusive programs. These cards are intended for demanding customers. And especially for those who often travel abroad. The card is accompanied by insurance coverage for up to 71,000 euros (also valid in Russia), interest-free cash withdrawals are possible abroad (no more than once a week), no payment is charged for the “SMS service”. A dedicated telephone line with emergency assistance and much more is organized for the owners of this card

The Priority Pass card allows you to enter VIP lounges regardless of the ticket class. Contactless payment is available. Issue 21,750 rubles, maintenance - 6,000.

The VISA Platinum PayWave card is also from the privileged series. Several additional services are included in the annual service. These are, for example, access to Internet banking, a free SMS service, a purchase protection program, an insurance policy with coverage up to 71,000 rubles, and a warranty extension program. As well as a telephone service for legal and medical support, finding the right specialist, solving organizational issues and other services.

Cards of the series The Visa Infinite card is a special product of the bank. The possibilities are almost limitless, from comprehensive family insurance coverage and personalized financial solutions to a personal manager in special service areas. The package is the same as the previous card, but the insurance is already designed for the whole family and has a coverage of over 700,000 euros. There are alsoinnovation - concierge service.

Any of the described cards, as evidenced by the reviews, there are hidden commissions. Loan payments are calculated according to the annuity system (in equal installments).

For participants in payroll programs

These loan offers are issued by the bank free of charge. Annual maintenance starts from three hundred rubles (most often it is paid by the employer). The standard term for which the card is issued is three years. The credit limit is limited to 500,000 rubles. It is set for each client individually and in special cases can be increased.

Judging by the reviews, Uralsib credit cards of this type completely suit the owners of salary cards. For monthly payments are written off automatically, and there are no problems with debt. Many customers have access to various bonuses and online services.

How to order?

There are two ways to get a bank credit card:

1. On the Internet, on the official website.
2. Personally contacting one of the bank branches.

The first way is considered the most convenient. On the bank's portal, you need to fill out an online application for a Uralsib credit card, and then wait for a response from the bank. Usually, after three working days, the card can already be picked up at the nearest branch of Uralsib.

For and against

Any proposal of the bank requires a balanced decision, and opening a loan, even more so. Let's try to highlight the disadvantages and advantages of Uralsib bank credit cards.

To obvious plusescan be attributed to:

• Loan conditions, uniform and understandable for all.
• Online application for a credit card "Uralsib".
• Individual interest rate with an increased package of documents.
• The grace period of the Uralsib credit card is five days longer than in other banks.
• Compliment program, which allows you to receive bonuses for purchases.
• Mobile banking, intuitive web service, 24/7 call center.

There are not so many shortcomings, but they are. This is:

• limit - only 500,000 rubles;
• a large percentage for withdrawing cash from a credit card "Uralsib";
• lending only in domestic currency;
• high cost of issuing and maintaining premium cards;
• sky-high interest rates.