OTP Bank has only 4 debit products (for travelers, GOLD, youth), but our attention was attracted by the Unembossed payment card Mastercard systems. Acceptable conditions for interest on the account balance, no issue fees and annual maintenance made plastic a very convenient payment instrument in the hands of any owner.

Internet bank when receiving profitable plastic

Each owner of an OTP Bank debit card has access to OTP-Direct Internet banking, SMS banking, SMS service and a mobile application for modern smartphones.

Internet banking is absolutely free to use and there is no connection fee. To use the service, you need to visit a bank branch and conclude a remote agreement banking services. After this, the employee will issue a login to enter the system, and an SMS message with a temporary password will be sent to the phone number specified in the application for issue and maintenance of the card.

Having received all the passwords and logins, you can log into the OTPdirect online bank from the official website on the Internet. When you first log in, the system will prompt you to change your password, be sure to change it to a new one.

In the OTP Internet bank you can perform more than 100 transactions (payment for housing and communal services, mobile connection, payments by credit obligations, transfers to accounts and cards of other banks and much more).

Owners of smartphones on IOS or Android can download the application " Mobile bank", which provides the same functions as standard Internet banking.

SMS Bank is another one convenient service for owners of any phones. To find out the balance on the card, get a list of recent transactions, block the card, etc. All you need to do is send a short command as an SMS to number 5927. The cost of one message is determined by the tariffs mobile operator, additional fee not charged.

Moreover, you can activate SMS notifications to always stay up to date with the latest card transactions. The service will cost the owner 59 rubles monthly commission.

Transfer to an OTP Bank card - where can I find the details?

Most transfers can be made knowing only the recipient's card number. You can see it on the front side of the plastic; it consists of 16 or 18 digits, respectively. If you need to find out the account number to which the card is linked, just send a short SMS message to number 5927 with the following content: REKV “space” 1234** (where ** is the last 4 digits of your card). You can also find out your account number in Internet banking, mobile application or by phone hotline for clients.
Information such as BIC, corr. account, bank TIN can be clarified on the official website in the “About the Bank” - “Details” section.

Bonuses and features

The main and only bonus of a debit card from OTP Bank is the accrual of interest on the account balance.

The interest rate is determined on the last calendar day of the month and is set depending on the minimum balance that was on the client’s account during calendar month, for which interest is paid (the minimum balance is determined at the beginning of each operating day).

Disadvantages of debiting from OTP

Profitable debit OTP card Jar- a very interesting payment instrument that allows you to save money due to the absence of annual maintenance and issue fees, and also make good money on the accrual of interest. However, to get maximum benefit, you should always keep a fairly large fireproof amount on the card. For some, this may be a significant drawback. But in general, the card has no drawbacks, even the commission for transactions at third-party ATMs is small.

Banking products have taken root in the lives of almost everyone modern man. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before designing a specific option, a potential client needs to take into account the main points, of which there are sometimes quite a lot.

Definition

So, banking organization issues payment plastic card, intended for settlements using funds belonging to the client. The person places them on this account independently, the amount that he has.

OTP Bank Profitable Gold debit card is a piece of plastic measuring 85.6x53.98 mm. Some financial institutions offer to receive it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and non-registered instruments are issued various systems(Visa, MasterCard, MIR).

Cards of any type in Russian Federation are equipped with special chips for data storage. Some also have a magnetic stripe for compatibility with older devices.

How to make a choice

Financial institutions offer potential clients a variety of products, and understanding such a wide range is not so easy. What points should you pay attention to:

• cashback;
• interest on the balance;
• annual maintenance cost;
• issuing bank;
• methods of depositing and withdrawing cash;
• amount of commission fees;
• availability of overdraft, conditions for it;
• opportunity to create individual design plastic.

What are the advantages

Profitable Gold card OTP Bank is a profitable and convenient tool for paying for everything its owner needs. This product has many advantages:

• Additional savings due to different options.
• Increased security.
• Convenient payment for purchases in online stores.
• Even greater privileges for those who choose VIP plastic.
• Possibility of receiving cash and making payments anywhere in the world.
• High-quality and inexpensive service.

About use

To make a payment in a store, just insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.

In online stores, the required details are indicated on the corresponding page and, if necessary, enter one-time password from SMS.

Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN and then follows the prompts of the device or operator.

Parameters for various available products are conveniently displayed here on one page. The user sees all the information and can immediately compare it to highlight the appropriate options. The necessary calculations are carried out using the online calculator located right there. Having completed the search, the site visitor clicks the “Online application” button and proceeds to fill out the form.

The YaCapitalist portal conducted an analysis of OTP Bank credit cards. If you are interested in terms and rates, we invite you to familiarize yourself with the offers of this financial organization.

OTP Bank announced itself not so long ago. But now it positions itself in 6th place among Russian banks in terms of the volume of issued credit cards. If we evaluate the quantity and quality of products that offer the use of bank borrowed funds, they are inferior to many others. For example, OTP Bank does not have targeted credit cards, and also does not provide options for accruing cashback and bonus points.

But any OTP Bank credit card can boast a decent interest rate. Next we will take a closer look OTP products.

Types of OTP Bank credit cards

On the official website of the bank there are only two types of credit cards:

• MasterCard Standard;
• MasterCard Gold.

Diversity is achieved through differences in offers to customer categories:

• an ordinary client “from the street” – issuance only with a passport;
• an ordinary client “from the street” – issuance of a full package of documents;
• employees of accredited companies - issued only with a passport;
• employees of accredited companies - issuance of a complete package of documents;
• “salary” clients - only with a passport;
• bank borrowers - only with a passport.

OTP Bank credit cards - terms of issue

The credit limit is set by the bank individually for each applicant. Maximum amount borrowed money cannot exceed 1,500,000 rubles for ordinary clients, bank borrowers and 300,000 for employees of “salary” and accredited enterprises. The minimum loan amount is 10,000 rubles.

The grace period for interest-free use of funds is 55 days.

The table below shows lending rates separated by dashes. When using a credit card non-cash - the minimum rate, when withdrawing cash - the maximum. Take this into account!

Issue schemes

1. Simplified scheme - only according to the passport.

Great option for those who do not like collecting documents. You provide your passport and receive a card. But for simplicity you will have to pay 5.9% more per annum (for regular customers). If you receive a salary from OTP Bank or have already borrowed funds, then they will give you a credit card using your passport on more favorable terms.

2. Upon provision of a package of documents.

Would you like to pay less? Take the trouble to collect a few basic documents to give the bank guarantees of your solvency. If you look closely, the list is not that big.

Street clients provide:

• passport;
• a copy of the work book certified at work;
• certificate 2-NDFL;
• for men under 27 years old - military ID;
• one more document at your request: foreign passport, TIN certificate; driver's license, SNILS, identification card for a military man or police officer.

Employees of accredited companies must present:

• passport;
• TIN certificate;
• one more document of your choice: a copy of the work book, certified at the enterprise, a certificate of income f 2-NDFL or in the form of a bank.

Table of basic conditions for bank credit cards

	MasterCard Standard			MasterCard Gold
		Loan rate (annual)	Daily limit (in rubles)	Annual maintenance (in rubles)	Loan rate (annual)	Daily limit (in rubles)
An ordinary client "from the street"	600 per year	24-37% – for 1 document	5,000 with passport 50,000 for a full package of documents	1,800 per year	24-37% – for 1 document 29.9-43.9% – according to the package of documents	10,000 with passport 100,000 for a full package of documents
Employee of an accredited company	1st year – free	23.9-39.9% – for 1 document	45 000	1st year – free	23.9-39.9% – for 1 document 29.9-39.9% – according to the package of documents	45 000
A client receiving a salary from OTP Bank	1st year – free; further – 900 per year	23,9-39,9%	45 000	1st year – free	23,9-39,9%	45 000
Bank borrower	No	No	No	1st year – free; further – 700 per year	19,9-39,9%	10 000

MasterCard Standart credit card from OTP Bank

Anyone can apply for an OTP Bank credit card for general conditions. To do this, he needs to contact one of the bank’s offices or send an application on the website. To receive it you only need a passport. If he provides a package of documents confirming a stable income, the rate will be significantly reduced. The bank reserves the right to refuse a client without giving reasons, remember this.

Employees of accredited companies can also choose what interest rate to apply for a credit card. True, the difference with ordinary clients will be only 0.1% when completing a package of documents. But annual maintenance will be free in the first year and 1.5 times more expensive from the second year. The lending limit is limited - a maximum of 300,000 rubles.

Employees of OTP Bank’s “salary” projects, as well as everyone transferring salaries to its accounts, will only need to provide a passport. Wherein, credit rate will be significantly lower than standard. The limit is limited to 300,000 rubles. The first year of card servicing will be free, and then you will have to pay an additional 900 rubles per year. To save on fees, you can propose the following scheme: repay the loan in full, return the card, and apply for a new one next year.

The Russian branch of OTP Bank is a financial OTP group(OTP Group), a leading player in the banking segment of Central and Eastern Europe. A banking institution on the territory of the Russian Federation provides a full range of banking and financial services for both private (individual) clients and legal entities.
OTP Bank actively promotes such a profitable product as plastic cards, because today almost every person uses it.
We also recommend considering the possibility of obtaining a cash loan from OTP Bank. You can submit your application right here:

Credit card makes it possible to pay with it throughout Russia and beyond its borders. For the client, this is a kind of spare wallet that can be used at any time when necessary. Put it into an ATM or pay for a purchase - that’s why you need an OTP Bank credit card. Online application for this banking product helps a person save time on trips to the bank when receiving plastic.
OTP Bank credit cards have various parameters based on which the client can make a choice:

1. Belonging to the global payment system.
2. Credit limit.
3. Plastic card status.
4. Possibility of using a grace period.
5. Annual interest rate for using credit funds.
6. Composition of the package of documents required when applying for a card.
7. Bank requirements for a client wishing to purchase a card with credit limit.
8. Daily and monthly limits on cash withdrawals.
9. Commission for cash withdrawal.

Distinctive features of OTP Bank credit cards.

1. The bank's product line of credit cards is narrow and is represented by only two types: classic and gold status.
2. All security of payment transactions using cards is ensured worldwide. payment system MasterCard.
3. SMS notifications are sent for card transactions, which helps control the debiting of funds from the card.
4. The choice of card currency is carried out at the request of the client and his needs (when submitting an online application to OTP Bank, you must indicate the currency)
5. The credit maximum for a card product of any status is possible up to one and a half million rubles.
6. Loan funds can be used for up to 55 days without paying interest.
7. OTP Bank credit card works as a virtual electronic wallet for making payments on the Internet.
8. Cash withdrawals are possible at millions of ATMs around the world.
9. There is no need to declare funds on cards when traveling abroad.

Documents required for registration OTP Bank credit card.
At OTP Bank, a client can apply for a loan in two ways:

• only by passport,
• upon provision of a complete list of documents (passport, second document of your choice (insurance pension certificate, TIN, driver's license, income certificate)).

Requirements for a potential client wishing to apply for an OTP Bank credit card:

• citizenship of the Russian Federation,
• permanent registration in the region where the bank branch is present,
• age from 21 to 55 years for women and 60 years for men, entrepreneurs from 25 years old,
• receiving official income for at least three months and a permanent place of work,
• positive credit history.

Types of credit plastic cards at OTP Bank and their conditions.

MasterCard Standard rubles classic 1,500,000 29.9 (for one document), 24 (for a full package of documents) 600 rub. 55 daysMasterCard Gold rubles premium 1,500,000 29.9 (for one document), 24 (for a full package of documents) 1,800 rubles. 55 daysMasterCard Gold for businessmen rubles premium 1,500,000 29.9 (providing financial statements is not required) 1,800 rub. 55 days

Possibility of applying for a credit card using only one document.

This opportunity to receive a credit card using one document is provided at OTP Bank.
Open credit product and you can only use it by presenting your passport. With this type of registration, the credit limit is also possible up to 1,500,000 rubles, and the annual rate will be from 29.9%.
IN in this case to determine which is more profitable, We recommend that you familiarize yourself with the conditions of other banks:

Tinkoff credit card

Alfabank credit card with 100 day grace period

Application for a Kviku credit card

Standard application for a credit card with a complete list of documents.
Providing documents from the full required list gives the borrower additional benefits, which consist in reduced interest rate(from 24%) and an increased credit limit.

Registration and receipt of plastic for people engaged in business.

It is often difficult for a businessman (entrepreneur) to get a loan bank card for themselves, since financial institutions put forward quite stringent requirements for such a borrower and for the list of documents and reports provided. At OTP Bank, to issue a card with a credit limit for business representatives, you do not need to provide financial statements or guarantors.

Features of the grace period for OTP Bank credit cards.

The period exempt from interest payments on OTP Bank credit cards is valid only for non-cash payments for goods or services. Grace period renewable and begins to be valid from the date of card activation, regardless of whether the client used preferential terms in the previous month or not.