/

Rusfinance loan virtual card. Features of the Rusfinance Bank credit card. Application for a card

Our service is ready to analyze current offers and select the bank with the lowest interest rate.

Pick up

Wait, we're picking Best offer: 17.0% loan.

We have selected several advantageous offers from banks with 12.0% per annum on the loan.
The form to fill out is below.

It’s very easy to register through our service. online application to a credit card at Rusfinance Bank. You need to enter your initials, registration address and contact telephone number. During the day you will learn the preliminary result. Behind credit card you will need to come to the bank office.

Basic conditions for the card

Let's look at the most important points:

  • Accessible credit limit– up to 150 thousand rubles
  • Cashback – 1%
  • Rate – up to 32% per annum
  • For provision and servicing of the card, up to 500 rubles are charged
  • Free SMS about account transactions
  • Grace period– up to 50 days

Requirements for the borrower

Each client receives an individual approach. But there is a set of rules that must be followed. Let's take a look at the most basic ones:

  • Completed online application
  • Russian passport
  • Age – from 21 years
  • Income confirmation
  • Contact phone number

You can prove your solvency to the bank different ways. A 2-NDFL certificate, an extract from pension fund, tax return and the like.. Next, the questionnaire will be sent for verification. This is a big advantage of working with our service. The bank saves you from wasting your personal time.

How to activate the card

To start enjoying all the benefits of the card, you need to activate it. To do this you will need to do the following:

  1. Get your card
  2. Call the bank's technical support at 8 800 700-27-27
  3. Notify the manager about your desire to undergo activation
  4. Go through identification

You will spend only 3-5 minutes on the whole process. After this, you will be able to fully use the card. It is recommended to sign the card and also remember the PIN code. You should not write it down and store it next to the card. When you use credit funds, you need to make payments every month minimum payment. It consists of 6% of the principal plus accrued interest. It is recommended to make payments before the 15th day of the month following the reporting month. If you have difficulties with the date of payments, consult your manager at the bank. You need to know these nuances well.

Attention! Delays must not be allowed. Each late payment results in penalty interest. As a result, you will have to seriously overpay. It is best to invest during the grace period. Then there will be no interest or penalties.

How does the grace period work?

Let's sort it out this system with examples. As you understand, the maximum period is 50 days. But he won't always be like this. It all depends on the day you made the purchase. On the screenshots below you can see a visual representation of the grace period.
You paid for your purchase on September 10. At the end of the month the payment will be generated. It follows that on the twentieth of the next month you need to make the minimum payment. If you repay the entire amount within this period, you will do so according to preferential conditions. In total, you will have 40 days of grace period.
To get the maximum period of 50 days, you need to make a purchase on the first of September. If you made a purchase on October 10, then the generated invoice will be transferred until November 20. Thus, we find that the grace period can range from 20 to 50 days.

What else cardholders should know

In this section we will describe all frequently asked questions that cardholders may have. Let's imagine that you have already been able to apply for a credit card online at Rusfinance Bank. Debt repayment methods:

  • Minimum payment
  • Larger payment to pay off debt faster
  • The entire amount to take advantage of the grace period services

It is important to note here that the grace period only applies to in-store purchases. If you are withdrawing cash, you will not be able to take advantage of this offer. If you enter the wrong PIN code three times, the card is blocked. Next, you need to contact the bank's support service. If the card expires, you need to reissue it. If you are leaving for long term, then you should take care of further payments. For example, it is fashionable to ask relatives or friends about this.

Results

Let's summarize all of the above. The card can be ordered online. Let's take a look at all the conditions for the Rusfinance Bank credit card:

  1. Card type – Visa Classic, MasterCard Standard
  2. Availability of 3D Secure technology
  3. There is no interest accrual on the account balance
  4. Quick Release
  5. Available service
  6. Free SMS information
  7. Minimum age - 21 years
  8. Maximum age - 55 years
  9. Maximum loan amount – 150,000 rubles
  10. Grace period - up to 50 days
  11. Interest rate – up to 32%

If you are satisfied with the conditions provided, then feel free to submit an application. The special form is located at the bottom of the page. You can fill out an application for a Rusfinance Bank credit card in the following cities:

  • Moscow
  • Barnaul
  • Vladivostok
  • Volgograd
  • Voronezh
  • Ekaterinburg
  • Irkutsk
  • Kazan
  • Kaliningrad
  • Kemerovo
  • Krasnodar
  • Krasnoyarsk
  • Novosibirsk
  • N.Novgorod
  • Orenburg
  • Permian
  • Rostov-on-Don
  • St. Petersburg
  • Samara
  • Saratov
  • Stavropol
  • Syktyvkar
  • Tyumen
  • Ulyanovsk
  • Chelyabinsk

For the survey to work, you must enable JavaScript in your browser settings.

Owner credit card Rusfinance Bank gets the chance to purchase goods on loan anywhere in the world. You can withdraw cash both from branded ATMs and from other financial companies.

About the bank

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

At the startup stage, Rusfinance Bank had only 30 employees. Over the course of several years, the management managed to open its branches in 64 regions of our country. Today it is a partner in more than 2 thousand car dealers, so the bank is one of the largest car lending centers.

The company actively cooperates with many megacenters retail sales on the territory of Russia, and represents the interests of more than 2 million loyal clients.

Rusfinance Bank is a member of a large financial network in the Eurozone - Societe Generale. Champion Russian market, the bank provides cash loans and offers lending in places of active shopping. For the convenience of clients, the bank offers credit cards with great potential and a grace period of up to 60 days.

Types of cards

First of all, the company’s work is aimed at issuing and acquiring credit and debit products operating on Visa systems and MasterCard. The credit card balance can be spent on the purchase of goods, cash withdrawals, payments mobile communications, booking tickets and more. Rusfinance Bank pays its main attention to the production of credit cards.

The bank offers clients several types of credit cards:

  • classic plastic cards standard Mastercard Mass and Visa Classic plan;
  • electronic credit MasterCard cards Electronic and Visa Electron;
  • elite products Mastercard Gold/Platinum and Visa Gold/Platinum;
  • salary and corporate plastic cards;
  • Visa products with a maximum allowable limit of up to 5 thousand rubles.

To replenish the card balance and eliminate debt, the user can choose the most convenient option.

So, money can be transferred in one of the following ways:

  • depositing money by bank transfer on the Internet in online format using the bank’s official portal;
  • using a cashless transfer to a card bank account;
  • depositing money in cash through branches of any financial institution;
  • debt repayment using ATMs of Rusfinance Bank or any other company.

Conditions

Offers for Rusfinance Bank products are available on the following terms:

Loan program "Lazurit" At this rate maximum size the loan does not exceed 100 thousand rubles, but card servicing is free of charge. It is impossible to name the exact amount of the overpayment, since it changes throughout the entire period of use of borrowed funds. So, in the first six months, the percentage of overpayments for non-cash payments rises to 10%, but already from the 7th month, this figure is 26% per annum.

If the client withdraws cash from the card, the fixed overpayment amount is 45% per year. Compared to other credit companies, here the bank exempts the client from paying a commission for cashing out an account. Size monthly payment is 6% of total amount debt.
Loan program "Snow Queen +" Lending program "Snow Queen +". The bank provides the client with 100 thousand rubles. As a bonus, you can enjoy profitable purchases in the Snow Queen salons for 6 months. From the next month the tariff for non-cash payments increases to 30% per annum. Sum obligatory payment here the rate does not rise above 6%, but if the client has debt for other transactions, the bank increases the tariff to 40% per year. The limit on withdrawals is 4 thousand rubles.

If withdrawals are made at ATMs of other organizations, the commission is charged in accordance with the rules in force in these banks. The grace period for Rusfinance Bank products is valid for 50 days. Of these, 30 days acts as reporting period, which allows the client to use borrowed funds without accruing interest, and the remaining 20 - for making payments.

To make using a credit card even easier and more convenient, the bank has provided Additional services. For a low fee, the client can activate the SMS notification option, receive statements by personal account and access to the Info-Bank service.

How to apply for a credit card at Rusfinance Bank

The card is produced based on the client's application. In order for the document to be drawn up correctly, a person needs to contact one of the bank branches or a store that is a partner of Rusfinance Bank.

To complete the application, the following package of documents is required:

  • identification document;
  • driver's license, SNILS, international passport - optional.

It is good if the client can provide a certificate of income, as well as a document that would confirm his official employment. The passport must contain a note about permanent registration. It should be noted that the bank will definitely pay attention to the applicant’s credit history. If a client seeks to issue a credit card for a large sum, bank employees may require a guarantee.

If the document is drawn up at a retail outlet, the product itself is first selected, and only after that the card is issued by a credit consultant.

Formation of an application is based on the buyer’s words, and the client’s assessment itself lasts no more than 5 minutes. At positive decision bank, the client immediately goes home with the purchase. The finished card with the MIN envelope will be delivered through the post office at the client’s place of registration in approximately 14-21 days.

The bank’s main condition is that the first payment be made at the partner store. The remaining card balance is available for any purpose.

Is it possible to apply online?

Due to the fact that the bank is an active supporter of new technologies, the client can issue a credit card without leaving home.

This approach has undeniable advantages. Firstly, the client will not have to waste his time waiting in line and traveling to a bank branch. It doesn't take long to wait for a response. Secondly, the approval rate of applications is at high level. Approximately 8 out of 10 questionnaires are agreed upon in a positive way.

Remote registration is based on the following stages:

  • a person visits the official Internet portal of Rusfinance Bank;
  • fills out an application for receipt on the form of a financial institution;
  • checks the accuracy of the data and sends the application to the service administrator.

The questionnaire is quite simple, so there are no difficulties with entering information. To avoid mistakes, the client must be extremely careful. The information provided must necessarily coincide with the data in the documents provided. You should not indicate an invalid phone number, as a bank employee simply will not be able to get through, which is why the loan will be denied.

You should not mislead the bank and try to hide data about unpaid loans. The fact is that the truthful information is found out immediately after a request to the credit history bureau. If the information does not match, most likely the bank’s answer will be negative.

Typically, the application process takes only 10 minutes. The final decision is communicated by a bank representative, after which he consults on the client’s further actions. If the answer is positive, the client is invited to the nearest bank branch to complete the registration stage and receive the card in hand.

As soon as the client receives the card in his hands, he must activate its action. You can do this in the following way:

  • call the customer service department regarding product activation;
  • give the card number and passport information;
  • answer the operator’s questions, after which an SMS notification will be sent to the cardholder’s number;
  • as soon as the card activation is completed, which will also be stated in a new SMS message, you must put a personal signature on back side plastic. It should be noted that without the personal signature of the card holder, the credit card will not have any legal force.

Credit limit

Rusfinance Bank allows clients to purchase goods in one of 23 thousand trading platforms. The minimum loan size is 2,250 rubles, while the highest limit rises to 500 thousand rubles. According to estimates, products with a limit of 50 to 100 thousand rubles are considered the most popular, since these are what citizens prefer much more often. Average term loan agreement lasts from 3 to 24 months.

It is difficult to find a person who has not needed urgent financial assistance at least once in his life, but banks are reluctant to issue consumer loans people who do not have a stable, solid income or valuable property. Therefore, microfinance organizations have become part of credit system country, and every second resident of Russia uses “payday money”.

Demand creates supply, so microfinance organizations are becoming larger and larger, and a potential borrower has to decide where to get a loan online with minimal overpayments and the most convenient lending conditions.

✔️ We invite you to turn to the services of RUSFINANCE - one of the leaders in the microfinance market, offering to take out a loan on favorable terms for each borrower

How to get a loan from RUSFINANCE?

To become a borrower, a company will need:

  • passport of a Russian citizen;
  • identification code (or any other document confirming identity - pension card, driver’s license, military ID);
  • map Russian bank, issued in the name of the borrower.

An application for a RUSFINANCE loan is completed online, then it is sent for consideration to the company's managers. After making a decision on it, a company employee calls the potential borrower back to clarify some issues and the MFO transfers the declared funds to his bank card. The whole procedure does not exceed 30-40 minutes - a faster way to get borrowed funds You just can't imagine it!

Advantages of cooperation with RUSFINANCE

RUSFINANCE provides an instant loan to a card even to borrowers with bad credit history, the presence of open loans and persons without official employment. The company works with students and pensioners, forming its own clientele, which other financial and credit organizations refuse! Employees consider each application individually, understanding that behind it there are not just numbers, but human lives - and this is the main principle of RUSFINANCE!

RUSFINANCE offers online loans at a minimum interest rate for a long time. Additional advantages:

  • opportunity early repayment loan without penalties;
  • prolongation of the contract with payment of accrued interest.

The maximum loan amount depends on the client’s credit rating, but with each subsequent application (subject to timely payment previous loan) the loan may be increased!

The loan is transferred to the card on the day of application, and returned credit funds possible using terminals of electronic payment systems or in another way convenient for the borrower.

Virtual card- This special card for fast and secure payment for services and goods on the Internet. You can use it to pay for hotels, purchases in various online stores, and purchase train and air tickets. In this case, you will not have to enter your main card details.

Most often a virtual card does not have physical media, i.e. Instead of the usual plastic card, the client receives only the details that will be needed to pay online: expiration date, its number and CVV2 code. It is not difficult to obtain such a card: usually this can be done through Internet banking (Russian Standard, Alfa-Bank, VTB24, Promsvyazbank), ATMs (SMP Bank, TransCreditBank), instant payment terminals (SIAB Bank) or by telephone (Sberbank). Many banks offer several opening methods at once.

Some financial institutions issue virtual cards physically- that is, the client receives “plastic” without a hologram, magnetic stripe or chip (a PIN code is also not provided, so cash withdrawals or payments in the retail and service network are impossible). The front side contains the details necessary for payments: card number, expiration date, three-digit security code, and often the owner’s name. You can usually order such a card by phone or via the Internet, but to receive it you will have to visit a bank office (Alfa-Bank, Promsvyazbank).

In some credit organizations for a virtual card, you open your own account (i.e., it is not necessary to be a bank client), in others, you must have a valid card or account, in others, the card is opened as an additional one to an existing one (credit or debit, and in some - only to a debit) .

Safety

The main advantage that virtual payment card- this is the security of non-cash payments on the World Wide Web. The fact is that it can be made for a specific payment, and therefore, even if hackers receive its data, they will not be able to use it.

If the client wants to place a larger amount on the account than he needs in this moment, in many banks (SMP Bank, Alfa-Bank) you can set a certain limit above which you cannot spend on a given card. Some credit institutions additionally set a maximum monthly limit on their own.

Some banks (Alfa-Bank, Promsvyazbank) allow you to block and unblock the card if necessary, while others only allow you to close it.

How to top up a virtual card?

Thanks to modern banking services, transferring funds from your main account to a virtual one or depositing money in cash is not a problem. You can carry out the transaction at an ATM, in the bank’s online service, at a cash desk, via SMS, etc. (depends on the specific bank).

Account currency

As a rule, the bank does not charge a fee for paying online with a virtual card. If it is present, it will be in an insignificant amount. A special case is made up of such transactions when the currencies of the invoice and payment do not match. In such a situation, the client can pay the conversion commission set by the bank (for example, at Pervomaisky Bank it is 0.5% of the amount). Therefore, many users who actively shop online open several virtual cards in each currency.

Other nuances

Commission for issuing virtual cards usually much lower than ordinary commission bank cards. For example, with the Alfa Bank “MasterCard Virtual” card it will be 49 rubles, at the Pervomaisky bank - 100 rubles, at Russian Standard - from 0 to 2.5% (depending on the method of issuing the card), at SIAB - 3.5% (min. 25 rubles) of the card’s face value.

Virtual card holder in most banks there can only be the owner of the card (for example, in Sberbank, SMP Bank), and in some, you can issue an additional one for relatives (Master Bank).

Possible number of virtual cards depends on the bank: for example, in Sberbank a person can have only one card of each payment system(i.e. one Visa and one MasterCard), and in SMP Bank their number is not limited.

Validity also varies: TransCreditBank issues a card for 3 months, SIAB - for 6 months, Russian Standard - from 3 to 7 months, Sberbank - for 3 years, and SMP Bank offers 4 options to choose from (from 90 to 360 days).

Share