Credit cards with a grace period Russian standard. Bank cards Russian standard

It is difficult to imagine the life of a modern business person without a plastic card. Moreover, most successful people who earn quite a lot of money often use several in addition to regular debit cards. The demand for this product today is great among all segments of the population, and interest in it is more than justified. Such cards allow you to always have a supply of free funds, regardless of your salary, and are very helpful in case of various unforeseen situations and spontaneous purchases. Today there are quite big list banks that have very interesting offers in this segment. Among them is Russian Standard, which has proven itself well over the past few years. More than 25 million Russians today use card products of this bank. Credit card"Russian Standard" has been produced in quantities of about 40 million pieces, and this is not the limit. Why is it so attractive to the citizens of our country? How to get it and what conditions should you expect when submitting an application to the bank? This article will answer these questions.

General description of a bank credit card

You can also get a credit card for a large amount if you own real estate or a car. Then you should indicate this data in the questionnaire. Such clarifications will allow us to evaluate financial condition borrower and provide a large amount of funds for his use.

The advantage of the card is its interest-free period, which is 55 days. During this time, you can fully repay the loan amount without paying additional interest to the bank. However, this is not necessary. You can use the money longer if it is not possible to repay the debt within this limited period. The only condition is to make a minimum payment of 5% of the used loan funds monthly.

Card design and conditions

To whom and under what conditions is a Russian Standard credit card provided? The application can be submitted by persons at least 25 years of age (there is a special offer for those over 18) and no older than 65. In this case, you can count on the following offer:

• credit limit up to 450 thousand rubles;
• 0% when repaying debt within 55 days;
• 36% when using credit funds for more than 55 days;
• 4.9% on cash withdrawals from ATMs;
• free application and release;
• 600 rubles for annual card maintenance.

In addition, if you have a positive credit history and regularly use the card, its limit will constantly increase. Also, the bank charges a small interest on the balance on the card - 3% per year (a small thing, but nice).

You can hold both credit and personal funds on the card (there is no interest on withdrawals). You can pay both in Russia and while traveling around the world.

Types of credit cards

Map "Malina"

Depending on your needs, you can choose one of the loan products offered by Russian Standard Bank. A credit card whose terms will appeal to shopping lovers is Malina. In addition to all the standard features, it allows you to accumulate bonus points in the amount of 10-15 units for every 100 rubles spent on the card. In the future, they can be exchanged for gifts from the special Raspberry catalog. The program includes a variety of cafes and restaurants, online stores, pharmacies, gas stations, dry cleaners and other services. Such a card can be an excellent gift for the woman you love.

Cash Back Card

There is another attractive Russian Standard credit card that allows you to benefit from making purchases. It's called Cash Back. Already from the name it is clear that it makes it possible to return part of the funds spent on the card. From the first purchase it is 10%, and subsequently - from 1 to 3% incrementally (depending on the volume of purchases made). Another advantage of this card is the interest rate for using credit money, which is 29% versus the standard 36%. Agree, an attractive offer.

Blue American Express Card

This product is a real boon for those who travel frequently and care about the security of their finances. What does this Russian Standard credit card offer to its owners? Firstly, the opportunity to protect your money from fraudulent transactions with coverage (reimbursement) of up to 10 thousand US dollars. Secondly, legal and medical, as well as luggage insurance during trips both within the country and abroad. Thirdly, a refund of up to 2% of funds from purchases made using the card. In addition to all these benefits, another gift is a year of free banking. This will allow those especially in doubt to check all the capabilities of the product without spending a single ruble of their own funds. You will see, you will like this credit card about this product confirm that they continue to use it in subsequent years, despite the service cost of 900 rubles. By the way, the interest rate for using money is also lower than under standard conditions and amounts to 29% per annum.

Card "Student"

Finally we got to the youth product, so desired by the student population. The Russian Standard student credit card is intended for persons aged 18 to 23 years, studying full-time and part-time at universities. To apply, you will need to provide the bank with a student ID or academic record book to confirm your status. For young and often unemployed (or part-time) students, this product is very attractive. Card maintenance costs only 200 rubles, and they are charged only for the first year of use. It also has an interest-free period, and the rate itself is lower than standard conditions - 29%. In addition, by paying with this card, you can receive attractive bonuses in the form of discounts of up to 30% in various cafes, clubs and others. entertainment places which are in demand among young people.

As for the limit, it is initially set in a small amount. Usually this is 10 thousand rubles, which are regularly renewed for the amount of debt repayment. However, with constant and careful use of the card, this limit will be increased by the bank if it sees the student’s serious attitude towards credit funds. All in all, this map- a great way to increase the amount of your pocket money and learn how to interact with credit structures.

Conclusion

Plastic today is a convenient and often profitable replacement for a wallet. And the Russian Standard credit card is an effective tool that allows you to expand your financial capabilities and use the bank’s money for favorable conditions, and in some cases practically free. The bank offers many options with different conditions and bonuses, which you can choose according to your needs and status. Use credit cards to make your life richer and brighter!

Russian Standard Bank issues credit cards different types: with installments, with cashback, with bonuses and miles, with free cash withdrawal. The conditions for the Russian Standard Bank credit card are presented in the table.

Name	Limit in rubles		Release and maintenance of the main/additional	Installment plan	Cash withdrawal	Additional bonuses
Platinum				Yes, for 12 months.	No commission for the first 30 days after signing the contract. Next - 3.9% + 390 rub.
			4900 rub./2500 rub.			· cashback up to 15%; · free insurance if you pay for your trip by card; · discounts under the “Discount Club” program up to 30%.
RSB Travel Platinum	Up to 300 thousand		1490 rub. / 450 rub.			· for travel on the bank's Travel Portal; · for hotel bookings - 8%; · for the purchase of railway tickets - 7%; · for the purchase of air tickets - 4%.
RSB Travel Black	Up to 600 thousand		5900 rub. / 3000 rub.			Points as a percentage of the purchase amount: · for hotel bookings - 10%; · for the purchase of railway tickets - 8%; · for the purchase of air tickets - 6%.
Football Visa card Russian standard	Up to 300 thousand		900 rub. /450 rub.		4.9% minimum 499 rub.	· “World of Visa Privileges”
The Platinum Card® AmericanExpress Card	Up to 1.5 million	For purchases 23%, for withdrawals and transfers 39%,			2.9% minimum 290 rub.	Travel insurance up to $500 thousand
Miss Russia	Up to 300 thousand		900 rub. / 45 rub.		4.9% minimum 499 RUR	· 10% cashback, · up to 15% discount in Rendez-Vous stores
Miles & More Visa Signature Credit Card	Up to 1.5 million rubles		10,000 rub. /5000 rub.			· 7,000 welcome miles for every 40 rubles. - 1 mile; Concierge service
Miles & More Visa Classic Credit Card	Up to 300 thousand					3000 welcome miles.

The grace period for all types of credit cards is 55 days. A credit card from Russian Standard Bank has free mobile and Internet banking by default. It is also replenished for free:

• in cash through Qiwi and Elexnet terminals;
• transfer from bank cards;
• on the RS express website;
• through a mobile or online application.

You can top up your credit card at any bank branch or at an ATM.

Recipient requirements

A prerequisite for receiving a Russian Standard credit card is that the recipient meets the following requirements:

• citizenship of the Russian Federation;
• age from 21 to 65 years.

The client must also have permanent registration in the region where the bank operates.

Required documents

Passport and one of the documents to choose from:

• international passport;
• SNILS;
• driver's license;
• pension certificate.

These documents must be presented when receiving a credit card.

Online card order

You can fill out an online application for a Russian Standard Bank credit card on the official website. Select a credit card that meets the conditions and click on the “Apply card” link. A questionnaire will open, which consists of 5 sections. Fill it out and wait for the bank employee to call. When applying online, you only need your passport.

The manager will announce the bank's decision on the application over the phone and specify the place and time of delivery of the card. You can receive it via courier or at the nearest branch.

For a long time now, anyone can take out a loan using a credit card. Russian Standard was one of the first to provide this opportunity for its clients. It is often included in the list of the most profitable and reliable financial institutions in Russia.

It also offers good service and strives to make financial services open to everyone. Credit cards from this bank are issued quite quickly, and for many users they are a very convenient payment instrument.

Over the entire period of its operation, Russian Standard has won over not only Russian, but also many foreign clients.

The bank issues credit cards that support not two, but three major payment systems: Visa, MasterCard and AmericanExpress. So wide range Not every lender in Russia can boast of services. On the official page you can read about the many loan products provided by this institution, of which there are over 50 types.

Types of cards
Student	Card credit limit: 150 thousand rubles. Service fee: 200 rub. Bid: 29% per annum for non-cash payments. Grace period: up to 55 days.
Raspberry	Service: 300 rub. per year Card limit: up to 150 thousand rubles. Grace period: up to 55 days. Bonuses: participates in the MALINA Program
Classic	Credit limit: up to 450 thousand rubles. Validity: 5 years. Interest rate: 36% per annum Cost of 1 year of service: 600 rub.

Conditions of receipt

You can order and issue a Russian Standard credit card online.

The procedure for issuing credit cards takes place without any difficulties and is completely harmless for users. This can be done both on the bank’s website and in any of its branches. To speed up the process of filling out the questionnaire at the department, you can download it from the Internet and bring the already completed sample to the specialist.

The process of obtaining a card does not require as much time as consumer cash loans.

At the same time, Russian Standard selects clients less strictly and the chances of receiving approval will be greater than in the second case.

But the provision of the desired limit may not happen, because... the exact amount depends entirely on your credit history and the information you provide during your application.

Before visiting the department, prepare documents: identification card (passport, pension card, driver's license, international passport with stamps), as well as additional certificates about your official income.

To increase your chances of approval, you can also indicate the income of your family members who live together themselves (wife, husband, adult children, etc.).

True, you shouldn’t expect high limits - they simply don’t exist for standard credit cards from this bank. You should read more about this on his website. There you can also order a card online and then receive it by mail.

Orient Express Bank can offer good limits and interest on the same conditions. Check it out.

If you use a card to make purchases in online stores, then the Qiwi card is ideal for you - reviews and tariffs in the review.

Credit card Russian Standard Classic

It is the most popular card among all those offered by the bank. Its small feature is the ability to choose your own design when registering, although this service is not free and costs 400 rubles, but it is not mandatory.

Russian Standard requirements for clients:

You can confidently fill out the application if you are sure that you fully meet these criteria.

The annual rate on the classic card is 36%. The commission for withdrawing money is 4.9%. That is, if you calculate the total amount that you will have to pay when withdrawing all the cash from your credit card, it will be 58.8% per annum.

When paying off your debt, remember that you will also have to pay a commission for using funds, the rate of which is 36%. This means that everything together will cost you 94.8% per annum. Many consider such a fee to be very unprofitable and high even by modern standards.

A privileged and advanced banking product is a gold credit card in Russian Standard. For its holder it will be more profitable than the previous one. Its limit reaches 750 thousand rubles (according to classis - only 450 thousand), the rate is 28% per annum, and the commission for cash withdrawal is only 2.9 percent. The only negative is the service fee, which amounts to 3 thousand rubles annually. The remaining conditions are similar to the classic version.

Activation of any of these two types of credit cards is carried out as follows:

• By contacting the help center. You need to make a call from the phone number that you indicated in the application, then it will be free for you (for Russia). The bank employee will need to provide your credit card number and other necessary personal data. After activation, an SMS will be sent to your number containing your online banking login information.
• The second way is through a bank branch. You will need to take with you the credit card received by mail and your passport. If you don’t know where the nearest branch is located, you can find all the branch addresses on the official website of Russian Standard.

Refinancing credit cards Russian Standard

When customers have significant difficulties paying their credit card debts, some banks offer loan restructuring options. Russian Standard Bank also provides this service. To do this, the client needs to write an application at the bank branch about changing the terms of payment and attach documents to it indicating a deterioration in his financial situation after receiving a loan on the card.

It should be taken into account that refinancing cards and changing the terms of debt repayment is the right of the Bank, but not its obligation. Therefore, some clients may be denied this request.

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Will help you decide quickly financial matters special offer from Russian Standard Bank - instant credit card. The main advantage of this card is its quick processing, and, as a result, the ability to use credit funds at your discretion. In this material you can familiarize yourself in detail with the conditions for issuing a card, as well as other offers of Russian Standard Bank.

Instant credit card: conditions

To receive a card, the client needs to contact the nearest bank office and submit an application to receive it. Among the documents you should have with you is a passport of a citizen of the Russian Federation. Credit terms:

• The monetary limit is up to 150 thousand rubles.
• Grace period – up to 55 days.
• Interest rate – up to 36%.
• No fees for issuing or servicing a credit card.
• You can place your own funds to increase the available amount.

Important! Due to the increased number of fraudulent activities, Russian Standard Bank has stopped issuing instant credit cards. It is impossible to issue a Russian Standard instant credit card online or at a bank branch.

Instead of this offer, Russian Standard Bank offers a number of other credit cards that can be issued online directly on the bank’s website, or contact the nearest bank branch for a full consultation.
Today the bank offers more than 15 credit cards that can satisfy the wishes of any client. Let's consider the conditions of the classic non-registered card “Bank in Pocket Standard”:

• Interest rate is set individually.
• Grace period is not provided.
• Credit limit – up to 300 thousand rubles.
• Card maintenance – 99 rubles per month. Free if daily balance is at current account in the Russian Standard bank is more than 30 thousand rubles.
• Re-release of the product is free.
• Commission for cash withdrawal from ATMs of other banks is 2%, but not less than 100 rubles.

How to get a credit card from Russian Standard Bank

Credit cards can be issued at any branch of Russian Standard Bank or online. To apply for a Russian Standard credit card remotely, you need to go to the bank’s official website and fill out a simple form. Filling out the form consists of two steps - providing contact information and entering passport data.
In the first step, the user is required to enter his last name, first name, patronymic, number mobile phone, email address and indicate your gender. It is important to indicate a valid phone number, as you will receive a message with a code to continue the procedure. The second step is passport data, current registration and residence address. Fields marked with an asterisk are required, but it is recommended that you fill out all of them. This will increase the level of trust of the bank and speed up the production and receipt of the card. At the end, you need to select a department where it will be convenient to pick up the finished plastic, and also mark the programs in which you want to participate. After sending the completed form, you should wait for the bank employees to call and receive further instructions. You can also clarify with them any questions about the selected credit card or other products of Russian Standard Bank. You can also ask questions about Russian Standard credit cards online in the support chat.

Requirements for borrowers and required documents

To obtain approval for a credit card, each borrower must meet the bank’s basic requirements:

• Availability of Russian citizenship.
• Age – 21-70 years.
• Permanent registration in the bank's service region.
• Having a permanent source of income.

You must also present the following documents:

• Passport of a citizen of the Russian Federation.
• The second supporting document is a foreign passport, insurance certificate of compulsory pension insurance, driver’s license, pension certificate.

Pay attention! Despite full compliance with the requirements and the documents provided, the bank reserves the right to refuse to issue a credit card without giving reasons.

Customer reviews of Russian Standard Bank are mostly negative. The bank took advantage and continues to take advantage of the financial illiteracy of the population. And also the consumer behavior of people. Those who want to buy themselves goods for which there is no money yet. For example, in Auchan and M.Video stores. The bank allows people to use goods and services on credit. But you have to pay for providing such benefits.

But you can also use credit products to your advantage. And Russian Standard Bank offered me a credit card on a special offer. I opened a credit card several years ago. There were also several contributions.
The card is free to use. There is no issue fee.

I have many bank cards from different banks. And every banking product gives me benefits.

This bank card was no exception.
The basis for drawing up the card for me was:
1. Free issue.
2. Free service.
3. Grace period. 55 days. Those. I can make purchases with a card and pay the bank the purchase amount next month. The bank won't take a penny. It was very surprising for me to learn that 80% of bank card holders in our country with a grace period do not know what it is.
4. The Russian Standard credit card is connected to the RS Cashback loyalty program.

Thus, the card is a source of free lending for me. When making purchases with a credit card with a grace period, my money is in bank deposits. And they bring me additional income.
According to the terms, the Russian Standard credit card is issued for 5 years. Credit limit up to 299,000 rubles.
Please note that the card is not a means of receiving cash. This is a means of payment. I pay her for everyday purchases in supermarkets (Promotions and discount catalogs in Moscow), pharmacies (Rigla Pharmacies. Promotional codes for a discount), trips to the sea (The hotel is not for the pretentious. Obviously not 5*. + letter from the hotel.). The commission for cashing out credit funds is very high. 4.99%. Minimum 499 rubles. By withdrawing cash from credit cards, people are driving themselves into credit bondage. There is no grace period for cash withdrawals.
I only pay by card. I deposit money at the end of the grace period. And I don’t pay any interest or commissions.
Russian Standard Internet Bank allows you to track all transactions with your account. And control the dates of payments to pay off the debt.
The disadvantage of this bank is that it is provided only at the suggestion of the bank itself. A client from the street will not be able to issue it. He can issue other Russian Standard Bank cards, which have an issuance and maintenance fee.