Technological features

  • instant card issuance
  • 3D Secure technology
  • contactless payments (PayPass)
  • it is possible to link the card to Apple Pay / Google Pay

Cash Back

Bonuses

  • Other

accrual of points for non-cash payment for goods and services that can be instantly spent on subsequent purchases at the rate of 1 point = 1 ruble, having previously put the appropriate mark in the mobile bank:

  • 5% in the categories "Clothes", "Cafes, restaurants", "Cinema", "Beauty and health";
  • 1% for other purchases;
  • Max. 5,000 points per month;
  • Points are credited instantly, you can spend them immediately after accrual;
  • Points are valid for 12 months. ;
  • additional points in the amount of 10% (max. 1,000 points) in the period 7 days before the birthday and 7 days after it from the amount of purchases in the categories "Entertainment", "Cafes and restaurants", "Beauty and health" (16.07. 2018 - 07/15/2019);
  • additional points in the amount of 5% (no more than 500 points per month and 1,500 points for the period of the promotion) when paying in fast food / cafes / restaurants from 8 to 12 Moscow time. temp. (until 31.12.2018)

Use of own funds Maybe

Issue and annual service 0 - 948 RUB

for 79 rubles. per month, no fee is charged for purchases from 15,000 rubles. per month

Cash withdrawal from bank ATMs

4.9%, min. 399 rub.

Withdrawing cash from the Bank's PVN

4.9%, min. 399 rub.

Cash withdrawal from ATMs of other banks

Cash withdrawal in PVN of other banks

5.5%, min. 499 rub. (0% when withdrawing abroad)

Operation limits cash withdrawal: up to 25% of the established credit limit, but not more than 60,000 rubles. at ATMs and 180,000 rubles. per day

Additional Information

  • additional card - free of charge;
  • fee for skipping payment - 20% per annum;
  • increased interest on overdue debt - 59.9% per annum;
  • fee for unauthorized overdraft - 109.5% per annum;
  • SMS informing - 59 rubles. per month;
  • balance request at third-party ATMs - 30 rubles. for the operation
  • the service "Purchase by installments" is available when purchasing goods from bank partners; installment period from 2 to 11 months (for more details, see the bank's website)

Credit limit up to 600 000 ₽

Grace period up to 55 days valid for:

  • transactions of payment for goods and services

Interest during the grace period 0%

Interest on a loan from 25% to 39%25% per annum on operations of payment for goods and services; 39% per annum on other transactions (including transfers from card to card); 0% under the "Purchase by installments" program when purchasing goods from bank partners; installment period from 2 to 11 months (for more details, see the bank's website)

Loan repayment minimum monthly payment:
2% of the principal amount + accrued interest, min. 200 rub.

Age from 18 years old

Income verification

  • certificate 2-NDFL
  • certificate from the employer in the form of a bank / in free form
  • indirect proof of income
  • not required

income confirmation is not required for the amount of the credit limit up to 350,000 rubles.

Registration in the region where the card was received:

  • not required

in the region of the bank's presence:

  • not required

Work experience in last place for at least 3 months

pros

  • free cash withdrawal abroad;
  • it is possible to purchase goods in installments from bank partners;
  • instant accrual and write-off of points under the bonus program

Minuses

  • significant penalties for late payment;
  • high commission for cash withdrawal in the territory of the Russian Federation

Special Restrictions

  • 3 phone numbers required

A modern credit card is not only an opportunity to pay for purchases with borrowed funds, but also to receive additional bonuses from the issuing bank. The Card Credit Plus credit card from Credit Europe Bank offers its holders not only to spend money, but also to receive bonus rewards and benefits, as well as participate in the installment payment program.

Card Credit Plus is positioned as the best card for entertainment and shopping.

Owners of plastic when using it receive the following benefits:

  1. Accrual of bonus points in the amount of 5% when paying for purchases in such categories as entertainment, clothing, cafes, SPA-salons. All other purchases earn 1% points.
  2. Points are earned instantly when making purchases. The possibility of their use extends to any trade and service organizations of the country.
  3. The credit limit on the card reaches 600,000 rubles.
  4. Instant card issue.
  5. There is one-touch payment technology supported by Apple Pay and Google Pay.
  6. At a certain level of monthly debit transactions, servicing the card is free.
  7. It is possible to receive cash abroad without charging a commission.
  8. Current Privilege Programs from Mastercard.

Credit limit:

600 000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

0 rubles

The current tariffs allow using the card without unnecessary additional costs, providing customers with the maximum benefit.

  • the cost of using borrowed funds is equal to the interest rate of 25% per annum
  • commission for product maintenance - 79 rubles per month; if there are debit transactions from 15,000 rubles per month - free of charge
  • cash withdrawal - 4.9% of the amount, but not less than 399 rubles, no commission is charged for such operations abroad
  • commission for SMS service - 59 rubles
  • internet banking - free of charge

Information about the available balance of funds on the balance sheet is provided free of charge when using ATMs of Credit Europe Bank. Obtaining similar information at the terminals of other financial institutions will cost 30 rubles. There is no fee for receiving an account statement at a bank branch or via e-mail. The cost of a mini-statement available at ATMs of Credit Europe Bank is 15 rubles per request.

Credit limit

The maximum possible credit limit that cardholders can count on is 600,000 rubles. The amount of the offered amount is calculated individually based on the estimated solvency of the client. In the process of attracting credit funds, the limit can be increased at the discretion of the bank itself or at the request of the cardholder.

If you need to increase or decrease the current limit, you should apply with a similar request to the nearest branch and write a corresponding application. You will need to provide a passport to verify your identity.

CARD CREDIT PLUS+ Credit Europe Bank

Credit limit:

600 000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

0 rubles

Grace period

The use of borrowed funds with a non-cash payment method implies a grace period of up to 55 days. If the repayment occurs according to the schedule and in full no later than the deadline, then there is no need to pay a fee. In other cases, the interest rate on the credit line is calculated based on the current tariff.

Interest

The cost of using credit resources is calculated based on the rate of 25% per annum. Interest is accrued after the end of the grace period, the maximum duration of which is 55 days.

In addition, the following fees apply when using the card:

  • when withdrawing cash - 39%
  • when paying for goods and services in gambling organizations - 39%;
  • when transferring from one card to another - 39%;
  • when paying a monthly payment in accordance with the program "Purchase by installments" - 0%;
  • in case of non-payment of the established payment under the program "Purchase by installments" - 25%.

fines

Arising credit obligations should be repaid in a timely manner and in full. In case of non-payment or late payment of the next payment, additional amounts will have to be paid in the form of increased alternative interest, the amount of which is determined as 59% per annum. It will also be necessary to pay the penalty and the mandatory payment itself. In addition, the bank is obliged to transfer information about the delay to the credit bureau, which will not have the best effect on the financial reputation of the cardholder.

To avoid such situations, it is required to make payments on time. Information about the debt can be obtained in your personal account on the bank's website, at the nearest branch or as a telephone consultation.

Peculiarities

Card Credit Plus is quite functional and allows you to make many financial transactions. In this case, it is worth considering a number of features that affect everyday operations.

Cash withdrawal

There is no grace period for cash withdrawals. Interest is calculated immediately for the use of funds.

The following rates apply:

  • 4.9% of the amount, but not less than 399 rubles when withdrawing funds from ATMs and branches of Credit Europe Bank
  • 5.9% of the amount, and not less than 499 rubles when issuing cash through other banks
  • 0% when receiving money abroad

It is worth considering that the bank sets a limit on cash withdrawals. Its main value is 25% of the current credit line.

There are also restrictions on cash withdrawal per day, for example:

  • no more than 60,000 when using an ATM;
  • no more than 180,000 when applying to cash points.

CARD CREDIT PLUS+ Credit Europe Bank

Credit limit:

600 000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

0 rubles

Replenishment

In order to avoid the accrual of increased interest and penalties, the card account should be replenished periodically, taking into account the calculated monthly payments. How to do it? Money is deposited through ATMs of Credit Europe Bank or when visiting its branches. When using ATMs to pay off payments, no commission is charged. If the appeal is made through a cash point, then an additional payment of 200 rubles is charged.

Commission is not taken in the following cases:

  • if the card is blocked in case of its loss or termination of the agreement with the bank
  • card expired

The commission is not charged if the amount paid to the card through the cash point does not exceed 100 rubles per month. Replenishment is allowed by transferring funds from another bank or financial institution. Crediting is made no later than the next day after sending the payment.

For the correct operation, you must first clarify the bank account number of the credit card. This question can be addressed by phone, by calling the CCU, when visiting any branch of a financial institution, and information is also provided in your personal account on the official website of the bank.

Transfers from card to card

It is allowed to make transactions for the transfer of funds. Both products of the bank itself and plastic issued by other organizations can be used. The commission for the transfer is 1.9% of the amount, but not less than 190 rubles. It does not matter whether the operation uses own funds or borrowed funds. The provision of services for the transfer of funds from card to card, including those issued by other issuers, will amount to 4.9%, but not less than 399 rubles.

Bonus points

When used, plastic holders receive bonus points. The cost of 1 point is equal to 1 ruble. Bonuses are awarded with each purchase in the amount of 1% of the amount spent.

Increased points in the amount of 5% can be accrued when spending the following categories:

  • clothes and shoes
  • cafes and restaurants
  • entertainment (billiards, bowling, cinemas)
  • beauty and health (beauty salons, perfumery and cosmetics stores)

A breakdown of the categories of goods for which increased points are awarded is presented on the bank's website. The maximum possible number of bonuses per month is 5,000. When shopping with a card, points are credited instantly. You can spend the accumulated bonuses immediately after receiving them in any trade and service enterprise of the Russian Federation, including online stores. How to do it?

It is necessary to perform the following algorithm:

  1. Download the bank's mobile application. Available on the App Store and Google Play
  2. Log in to the application using the same login and password that are used for Internet banking
  3. Find sections "My Products" - "Maps"
  4. Select the required credit card
  5. Click on the menu to redeem points
  6. Selecting the option "Debit at checkout"

After the completed actions, the accumulated points will be spent first of all when calculating the card. It is worth remembering that after making a purchase, the menu will reactivate the points accumulation mode. To write them off, you will have to repeat the above steps again.

Privilege

Holders have a number of privileges that are worth noting separately. The Mastercard Priceless Cities program provides for effective discounts and great offers on a number of goods and services within the country and abroad.

Plastic owners can take advantage of the opportunity to receive gifts and discounts when performing such actions as:

  • visiting restaurants and boutiques, SPA-salons, beauty centers
  • hotel booking, car rental
  • visits to closed sales, shows of new collections, participation in cultural events

A more detailed list of exclusive offers for cardholders is available at www.pricelesscities.ru.

Advantages

Paying for purchases with a credit card is not only about having a deferred payment for the duration of the grace period. In some cases, you can get installments for a longer period. Credit Europe Bank enters into an agreement with a number of trade organizations on the possibility of purchasing goods and paying for services by cardholders in installments for several months.

Thus, if you need to make a purchase under the Installment Purchase program, the following privileges apply:

  • no need to sign a loan agreement for a long period
  • no down payment required
  • installment period - from 2 to several months
  • subject to the monthly minimum payment, no interest is accrued

Depending on the terms of cooperation between the bank and organizations under the Installment Purchase program, minimum purchase amounts may apply. But usually they are not high and do not go beyond a few hundred to several thousand rubles. The Bank periodically holds promotions and drawings, participation in which gives a chance to receive additional bonuses, benefits and increased points when purchasing goods of certain categories.

Flaws

Like other banking products in this category, it also has a number of disadvantages.

Among them are the following:

  1. Cash withdrawal fee. When receiving money from the card in hand, you will have to pay a commission of 4.9% of the amount. At the same time, there is a minimum amount of 399 rubles, which means that it is unprofitable to withdraw funds in a small amount.
  2. No interest-free period for cash withdrawals.
  3. The absence of a service fee is possible only at a cost level of 15,000 rubles per month.
  4. When traveling outside the Russian Federation, it is necessary to provide the bank with information about the country of residence and the expected dates of the trip. This must be done at least 1 calendar day before departure. Otherwise, the bank may suspend debit transactions. The card will resume within 24 hours from the moment the data is provided.
  5. Bank branches, its terminals are not very widespread throughout the country. Therefore, it is recommended to think in advance about ways to repay the debt in order to avoid penalties for delays and increased interest.

How to order

You can order a credit card online on the bank's website or at any branch.

You will need to fill out a short questionnaire with personal data and personal information about the applicant, including:

  • Full Name
  • residential address
  • contact information (mobile phone number, email address)
  • the presence of existing loans and overdue debts
  • income level
  • amount to be received

The request is considered within a short time. In case of a positive decision, you will need to visit the bank branch, having the necessary documents with you. A credit card is issued immediately after a positive decision is made in most bank branches.

CARD CREDIT PLUS+ Credit Europe Bank

Credit limit:

600 000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

0 rubles

Client Requirements

Who can apply for a credit card?

The bank puts forward a number of requirements for the applicant, including:

  • Russian citizen
  • work experience - at least 3 months
  • provision of 3 phone numbers (personal, work and additional)

The amount of the credit limit is calculated based on the solvency of the future cardholder. The presence of a source of income is a prerequisite, even if the level of earnings does not need to be confirmed.

Documentation

For registration, you will need to present a passport of a citizen of the Russian Federation.

If the requested limit exceeds 350,000 rubles, then you need to provide:

  • certificate of income in the form of 2-NDFL
  • certificate in the form of a bank on labor activity and income
  • payroll statement for the last 4 months
  • for IP borrowers - a tax return in accordance with the current taxation regime

How much to wait

The card is issued instantly. With the approval of the request, you do not have to wait several days before receiving a credit card.

Stock

Who can apply for a card

  • Total work experience - at least 3 months;
  • Region of registration - registration at the place of residence on the territory of the Russian Federation *;
  • Requirements for telephones - 3 different telephone numbers in the region of the actual residence of the Client:
    • At the place of residence(or, if not available, another fixed/mobile phone number for communication with the Client);
    • By place of work(human resources department, accounting department, management or administration, etc.)
    • Additional Phone for contact

    * You can also issue a card if you have a temporary registration at the place where the card was issued (at least 3 months from the date of application for a card), if you have a permanent registration in any of the regions in which a representative office of Credit Europe Bank operates.

Documents required for issuing a Card

  • Passport of a citizen of the Russian Federation
  • If the requested credit limit exceeds 350,000 rubles, it is obligatory to provide a document directly confirming the income:
    • Certificate of income in the form of 2-NDFL;
    • Statement of the salary account opened in the name of the Client in the Bank, indicating transactions on it. The statement is provided for the last 4 months and must be certified by the seal and signature of an employee of the Bank.
    • Tax return of an individual entrepreneur in accordance with the taxation scheme used, if the Client is an individual entrepreneur

Where to apply for a card


If you travel outside the Russian Federation

When traveling outside the Russian Federation, we strongly recommend Not later than 1 calendar day before the date of departure, inform the Bank of information about the country and duration of stay orally, by calling the Customer Support Center (hereinafter referred to as the CCU), or in writing by contacting the Bank branch, otherwise the Bank has the right to suspend implementation of expenditure transactions.
To resume spending transactions while abroad, you must contact the CCU by calling the phone number indicated on the back of the Card.
In the absence of a prior notice to the Bank about your trip, operations will be resumed within 24 hours from the moment you apply to the CCU.

Detailed information about the credit card CARD CREDIT you can get on

Instant credit card CARD CREDIT is issued on the day of application. We understand that there are a lot of situations when it may be needed, and we always meet the needs of new and regular customers.

Quickly issue a credit card and receive it at Credit Europe Bank upon presentation of just one document - a passport of a citizen of the Russian Federation. An employee of the branch fills out a quick application for a credit card in front of you, then the Bank reviews it and informs you of the result.

Apply for a credit card in 30 minutes! We value your time, so we try to minimize any waiting.


1. The average service time for one client is indicated when issuing a Card in one of the internal structural divisions of the Bank with an instant issuance of the Card, subject to the Bank making a positive decision on issuing the Card.

SMS informing

Instantly informs about transactions on a mobile phone.

Internet bank

Virtual card

The virtual card is intended for making secure online purchases and does not have a physical medium. It is issued as an additional card to your main bank card through the Internet Bank.

One-touch payment technology - Apple Pay

Apple Pay is a convenient and secure way to pay for purchases with one touch. Apple Pay makes it easy to pay for purchases in stores, apps and websites with one touch using Touch ID*, Face ID** or a passcode on your device. With Apple Pay, you can pay by simply bringing the device that is with you every day to the terminal. How to connect?

* Touch ID is a fingerprint scanner developed by Apple Corporation.
** Face ID is a 3D face shape scanner developed by Apple Corporation.

3D Secure

Maximum credit limit 500 000 ₽
Grace period Up to 50 days
Interest on the loan 28,5%
Annual fee for card maintenance No commission
Internet bank For free
Cash withdrawal fee 4.9% (minimum 399 ₽)
SMS service fee 59 ₽
Points for purchases.
5% from the amount of purchases in the categories:
  • Cafes and restaurants
  • Clothing and footwear
  • Entertainment
  • beauty and health
1% from the amount of purchases in all other categories		 Free card service.
Installment Purchase Program
Instant use of points in any trade and service enterprises in the territory of the Russian Federation. Two stylish designs
Instant accrual of points when paying for goods and services around the world. Cash withdrawal abroad without commission
Privilege program from Mastercard Credit limit up to 600,000 rubles.

Settlement card with an authorized overdraft CARD CREDIT PLUS (hereinafter referred to as the Card), issued by Credit Europe Bank JSC (General license of the Bank of Russia No. 3311 dated February 4, 2015)

Main advantages

Discounts and gifts. Participate in the Bank's promotions and win prizes. Round-the-clock control of expenses with the help of additional services "SMS service", Internet banking.
The ability to pay for purchases and services in installments, and return their cost in installments - 0% overpayment. Ability to pay for mobile communications, Internet, utilities and other services in the Internet Bank using a credit card.
Withdraw cash abroad no commission! Available to CARD CREDIT Gold MasterCard holders with a monthly card maintenance fee. Opportunity free service cards. Just use the card, make purchases for a total of 10,000 rubles. per month and do not pay a monthly fee for card maintenance! 2
Grace period of crediting up to 50 days!
Opportunity to become the owner of a technology card contactless payment shopping.

You make purchases, repay the entire amount of the debt before the date indicated in the statement and do not pay interest!

On October 31, you purchased a camera for 10,000 rubles using a CARD CREDIT card. On November 30, you receive a monthly statement on the card, which indicates the amount of debt 10,000 rubles and the deadline for making a payment on December 20.

If you repay the full amount of the debt of 10,000 rubles before December 20, you do not pay interest for using credit funds for this amount.

Thus, the Grace Period is up to 50 days, depending on the date you made the purchase and the date the statement was generated.

If you travel outside the Russian Federation

When leaving the Russian Federation, we strongly recommend that you notify the Bank of information about the country and duration of stay to the Bank at least 1 calendar day before the date of departure orally, by calling the Customer Support Center (hereinafter referred to as the CCU), or in writing by contacting the Bank branch otherwise, the Bank has the right to suspend the performance of Debit transactions.
To resume spending transactions while abroad, you must contact the CCU by calling the phone number indicated on the back of the Card.
In the absence of a prior notice to the Bank about your trip, operations will be resumed within 24 hours from the moment you apply to the CCU.

Accident insurance programs

"Personal protection" - insurance programs that are developed and implemented by MetLife Insurance Company JSC and are offered specifically for CARD CREDIT cardholders.

SMS informing

Instantly informs about transactions on a mobile phone.

Internet bank

Internet banking is a remote banking service via the Internet, with the help of which JSC Credit Europe Bank customers can conveniently and safely control their accounts, make transfers, pay for mobile communications, utilities, landline telephone, digital television, Internet and much more .

Mobile bank

A mobile bank is an Internet bank that is accessed via a smartphone with an Android operating system (version 5 or higher) or iOS (version 8 or higher).
Download the application "Credit Europe Bank" in the App Store or Google Play and get quick access to view information on your accounts and cards. Pay for a mobile phone, Internet and utilities, make transfers from your account in rubles without commission!

Virtual card

The virtual card is intended for making secure online purchases and does not have a physical medium. It is issued as an additional card to your main bank card through the Internet Bank.

Contactless payment technology

The main advantages of a card with contactless payment technology are: SIMPLICITY, SPEED AND SAFETY.

  • The card allows you to pay for purchases with one touch of the payment card to the reader.
  • Thanks to contactless technology, payment is instant. If the purchase amount does not exceed 1000 rubles, there is no need to enter a PIN code or sign a receipt (slip).
  • The card does not need to be handed over to the cashier to pay for the purchase. The card is always in the hands of the holder, he fully controls the payment process. At the same time, money cannot be debited from the card twice for one purchase. After the first payment has passed, the terminal beeps and turns off.
  • The built-in EMV chip provides a high level of protection for your money, the card is almost impossible to fake.
  • Cards with contactless payment technology are accepted by more than 265,000 outlets in 36 countries, and their number is increasing every day. Full list on the website contactless.mastercard.ru

3D Secure


Discounts and gifts

website or by phone 8-800-700-10-12

3D Secure

Ability to pay for goods and services on the Internet using the 3D-Secure security system

Discounts and gifts

  • when paying by card in restaurants and boutiques,
  • when booking a hotel or renting a car,
  • invitations to private sales, shows of new collections and interesting cultural events,
  • offers from exquisite hotels and restaurants, boutiques of famous designers, SPA-salons, beauty centers and much more.
A complete list of discounts and offers on the website or by phone 8-800-700-10-12