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

Joint Stock Company "Tinkoff Bank" isa financial enterprise that specializes in remote maintenance. The first and only banking institution that operates without its own banking terminals and offices. The key directions of the organization when working with individuals are "Tinkoff Platinum", debit and credit cards.

Tinkoff Platinum credit card

A bank card with a credit limit of "Tinkoff Platinum" is a classic financial product with a grace period. It is convenient to apply it every day.

Credit card "Tinkoff Platinum" - conditions:

The interest-free period is 55 days.
The maximum limit in rubles is 300 thousand.
Monthly payment - 8% of the amount spent, but not less than 600 rubles.
Annual service of the main / additional credit card - 590 rubles each.
Participation in the insurance program - 0,89% of the amount of debt.
SMS-notification - 59 rubles every month.

Step-by-step instructions for obtaining a credit card

Do not know how to make "Tinkoff Platinum"? To receive you need to perform a few simple steps:

On the official portal of the bank, fill out and send the application (it will require the provision of passport information).
Wait for a decision that is made in a few minutes. An applicant can call from the bank if there are additional questions.
With a positive decision, the card will be delivered by a bank employee to a convenient place and time. Delivery is carried out within one week.

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

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

The card is now ready for use.

The Tinkoff Platinum Bonus Program

All credit card holders participate in theSpecial program and receive bonuses for purchases. The higher the check amount, the more points will be returned to the account. Accumulated points can compensate for purchases from categories: cafes / restaurants and tickets for railway transport.

Premium accruals "Bravo":

With each payment by the card "Tinkoff Platinum" - the percentage is returned to the account.
From 3-30% on special offers, which can be configured in the personal account of the Internet bank.

Non-interest period

The preferential / interest-free period is a period,during which it is required to pay the amount of debt, so as not to overpay the interest for the use of borrowed funds. For the Tinkoff Platinum credit card this period is 55 days.

The interest-free period is not counted from the dayspending of funds from a card account, and from the moment of receipt of the next monthly statement. For example, if the client received it on May 11, the grace period will be valid until July 4 (55 days). The monthly period from May 11 to June 11 is provided for spending of funds from the credit account, from June 11 to July 3 - to pay off the debt.

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

This is the same bank card with a creditLimit, but with an increased interest-free period. Only a newcomer can register it, that is, a client who does not yet have a credit card with Tinkoff Bank. You can get a card in the same way:

On the "Tinkoff Platinum" card, an online application is registered on the official website.
After approval, the employee of the bank brings the card to the applicant.
To activate the 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 card number to which you want to transfer funds.

After the transaction is completed, the owners of the Tinkoff Platinum card have 120 days to deposit funds into the debt repayment account when interest will not be accrued.

Free Tinkoff Platinum services

Gratuitous services provided by the bank:

Depositing money on the card through the partners of the bank (for closing the debt).
Internet banking.
Mobile banking.
Information about the conducted operations.
SMS-notification of account replenishment, reminder of the next payment and so on.
Monthly account statement (by email or letter).

Penalties and fees

On the map of "Tinkoff Platinum" the conditions for use are as follows:

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

The first month is 590.
The second month in a row - 590 + 1% of the debt.
Further - 590 + 2% of the amount of debt.

2. Penalty for untimely payment of the minimum payment - 19% per annum.

3. Commission for cashing of funds - 290 + 2.9%.

4. Payment for the expenditure of funds above the established credit limit is 390.

Interest

The interest rate on the Tinkoff Platinum credit card varies and depends on the transaction made 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 a minimum payment.
From 32.9-49.9 per annum after interest-free period and non-payment of the minimum payment.

2. On the Tinkoff Platinum card, the withdrawal of cash is 32.9-49.9% per annum.

3. Commission for other actions - 32.9-49.9% per annum.

How to deposit money to a card

The direction of the bank "Tinkoff" is a remotework with clients. In addition, the organization does not have its own offices, they also do not have ATMs. But this is not a problem for closing credit card debt, as the organization has a whole network of partners, which includes 350,000 payment points with the possibility of making money.

The simplest variant of replenishing the "Tinkoff" cardPlatinum "(on reviews) - a debit card of this or any other bank. In addition, it is possible to replenish the account by bank transfer or by making cash through payment terminals. All these methods do not imply payment of the commission of the bank, but in some cases it will be necessary to pay the partner, therefore, in order to save money before the operation, it is worth studying the conditions.

In addition, do not forget about the timing of enrollmentmoney. Transfers from one card to another or depositing funds through the terminal are usually performed in a few minutes, but bank transfer may take several days. This circumstance should be taken into account in order to avoid a delay in payment.

Financial transactions on the card

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

Bank transaction. Before sending money in this way, you need to make sure that the chosen financial institution does not charge commission for the operation and is really 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. Bank Tinkoff does not charge a commission for such a procedure, but the second party can charge a fee for the service. This point should be clarified before sending money. When sending funds from the Tinkoff debit card to a credit operation, it is executed instantly and without any charges. In Internet banking there is a separate module for conducting transfers.
Transfer by bank-partners. A full list of partners is published on the official website of the organization, in the Internet bank, as well as in the mobile application. Commission fees for translation are most often not charged, but there are exceptions. For the operation, you must provide a credit agreement number, sometimes a passport is required.

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

How to find out the balance

You can obtain information about the balance of credit funds on your account in various ways:

Through internet banking. This is the fastest and easiest way. Data is updated in real time, so any errors are excluded.
By customer support number 880055510101. This way 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 status of your account.
Sending a text message to number 2273 (MTS, Megafon and Beeline). After sending a message with the text "Balance" and the last four digits of the bank card number, the information on the account will be received.
Through the mobile phone application. It is as fast and convenient as Internet banking, it is necessary to have internet.

Credit card reissuance

A month before the expiry of the bankingcard bank automatically issued a new one. It is also brought to the client by a bank employee by prior arrangement. Re-release is not performed in two cases:

When a customer has an overdue debt on a credit account.
If the owner did not use the card for a long time and did not take any action on it.

If it was lost or stolen, then againopen a map of "Tinkoff Platinum" can be early. To do this, you need to call toll-free number 88005551010 and report the reason why re-release is required. After receiving the application, the client will receive a new one in the shortest possible time.

How to close the map

To close the Tinkoff Platinum credit card, you need to perform several actions:

Debt to the bank and pay backall commissions. It is necessary to call the customer support service of the bank. After passing through the identification, the dispatcher will tell the exact amount to be paid for the current month. Be sure to ask the bank's employee to turn off the SMS-banking service, since monthly subscription fee is charged for it. Ask the operator if this amount is fully calculated, and whether interest will be accrued on it next month. After all debts are closed for reliability, the credit card should be blocked, if in the future you do not intend to use it. If you overpay to the bank this amount can be claimed to return to the specified requisites. In addition, you can find out the amount of debt in an online bank.
For thirty days send to the bank an application with a request to close the card account. If necessary, you can withdraw the application within the same period.
The contract stipulates that the card isthe 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 a regular piece of plastic, but just in case, you can store it for several months in case of a demand for return.
After 30 days, you need to call the customersupport service "Tinkoff" to make sure of closing the account and request to provide a certificate, which must necessarily be a blue seal. The banking institution can not refuse you, they are obliged to send it by mail to your home address.

How to learn and increase the credit limit

The credit limit of the card is the maximum amount,which the client can spend. It is installed individually and can reach 300 thousand rubles. Find out the amount that is available to you, as well as other conditions of "Tinkoff Platinum" and tariffs can be in Internet banking or in a letter attached to the credit card.

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

Many credit card owners arethe question: how to increase the limit on the card "Tinkoff Platinum"? Do it at the request of the owner is impossible, this decision is made only by the bank. To promote the increase of the amount, it is required to use the card as often as possible and make timely payments made by the bank, "Tinkoff" encourages and trusts the good borrowers.

The advantages and disadvantages of the Tinkoff Platinum card

The bank card with a credit limit from Tinkoff Bank has a number of positive sides:

Ease of registration.
Free shipping.
You do not need to provide a certificate of income.
Long-term interest-free period for the payment of arrears on the Tinkoff Platinum card up to 120 days.

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

For new customers, the percentage of content is quite high.
The initial credit limit of the card is low, and many, making out it, hope to receive the promised 300 thousand rubles.
It is unprofitable to withdraw cash, because the commission is very high.

Is it worth to open a credit card "Tinkoff" bank

To issue a credit card "Tinkoff Platinum" according to clients' opinions is advantageous in several cases:

You can easily do 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 not pay interest.

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