"AutoCard World MasterCard® Black Edition™"

Interest rates and conditions for obtaining a credit card from UniCredit in rubles in the amount of 100,000-1,200,000 rubles, with a minimum rate of 29.9% per annum for up to 3 years.

The opinion of UniCredit clients and Capitaloff experts about the advantages and disadvantages of the credit card - "AutoCard World MasterCard® Black Edition™":

Credit card terms and rates

Credit card options

Type of card World MasterCard® Black Edition™ Early redemption in part or in full Payment methods
credit card bank offices, ATMs, payment terminals, non-cash payment or transfer, branches of the Russian Post Loan calculation scheme annuity payments (in equal shares)

Requirements for the recipient

Registration is required Age limit for men from 21 to 57 years Age limit for women from 21 to 52 years Work experience at the last place of work at least 3 months Total work experience at least 1 year

Documents confirming income in the form of personal income tax are not required.

Credit card security

Other income Income of at least 150,000 rubles.

Credit card features

Withdrawal limit Restriction on cash withdrawal on the main / additional card per day - 500,000 rubles. Restriction on cash withdrawal per month (in the amount of the main and additional credit cards) - no more than 50% of the established credit limit in month Grace period Up to 55 days Annual card maintenance Main credit card - 8,000 rubles. Additional credit card - 4,000 rubles. Bonuses and special offers Individual service at UniCredit Bank: a personal manager, a dedicated telephone line for communication with the bank, service in special areas at bank branches. Insurance programs when traveling abroad and against the risks associated with using the card. Concierge service. Pay for goods and services in one touch with MasterCard PayPass ® technology. "Driver's Pack" Discounts when renting a car abroad Fees for receiving cash from ATMs and branches of another bank, in rubles — 3%
cash withdrawal from ATMs and branches of UniCredit Bank or from ATMs of banks of the UniCredit group, in rubles - 1%

Penalty for the amount of overdue debt on the loan: 20%. Penalty for the amount of unauthorized overspending: 0.2% of the overspending amount for each day

The VTB 24 car card is a co-branded product designed for car enthusiasts. Owners are entitled to cashback when using the card at any gas station. Its size depends on the category of the card. Potential and existing customers of VTB 24 Bank will find useful information about the options for issuing an Autocard and terms of service.

Conditions for receiving cashback on Autocard

Any co-branded product is of interest to a certain audience of bank customers who use plastic cards in everyday life. Especially for motorists, the VTB 24 Autocard card was developed and issued.

Co-branded bank card in VTB 24 is issued:

  • as credit;
  • as a debit card for everyday payments.

Plastic can be of different categories, except for Classic, in this version the VTB 24 Autocard is not issued.

The main advantage is the ability to receive cashback from every purchase at gas stations. At the same time, it is important that the choice of gas stations is not limited: a part of the amount spent is refunded even when using the card abroad. The percentage of return depends on the category of plastic.


Another advantage will be a 1% cashback when using a card of any category to pay for any goods and services, including online purchases. Such conditions of the VTB 24 Autocard make it a profitable product for car owners. Plastic is produced in different versions, we will learn about all the bank's offers for motorists.

Cashback for purchases at gas stations is returned under the following conditions:

  • 3% for gold,
  • 5% - for any premium cards.

The amount of compensation is the same for both debit and credit cards. The maximum amount of cashback per month cannot exceed 15 thousand rubles.

Debit Autocard VTB 24

For daily settlements, the bank offers potential and existing customers to issue:

  • gold Autocard VTB 24;
  • one of the premium cards: Platinum, Privilege or Visa Signature / MasterCard World Black Edition.

Debit cards are issued as part of the respective service packages as the main card. It is also possible to issue it as an additional one when connecting a control unit of a higher category. For example, within the framework of PU Platinum - a gold card. Let us consider in more detail the possibilities of plastic of different levels.

Golden

Gold together with PU Gold:

  • issue: 300 rubles, maintenance - free of charge;
  • 1 free additional card;
  • opening accounts in 3 major currencies;
  • free services: Internet banking, SMS notification in the Card+ service package, cash withdrawals at any ATMs, online transfers;
  • insurance under the Card Protection program with a coverage of 75 thousand rubles;
  • concierge service - basic.

Platinum

The owners are entitled to all the bonuses listed above, and also to them:

  • the number of additional cards without a monthly fee is increased to 3;
  • insurance policy Traveler protection with up to $50,000 coverage.

The issue price is 500 rubles, maintenance is free of charge. Bonuses and privileges from the bank and international payment systems in accordance with the Platinum category.


Privilege

In addition to the bonuses listed above, owners are entitled to:

  • opening 4 free cards;
  • concierge service - Premium;
  • travel protection coverage increases to $100,000; and the Account Protection program with coverage up to 350,000 rubles;
  • premium service: office, dedicated telephone line, personal manager, preferential offers for banking products.

The card maintenance fee is 850 rubles.


Credit Autocard

The bank offers its potential and current customers co-branded credit cards of the following categories:

  • Gold;
  • Platinum.

For a gold credit card VTB 24 Autocard, the conditions are as follows:

  • credit limit: up to 750 thousand rubles;
  • interest rate - 26%;
  • duration of the grace period: up to 50 days;
  • issue: 350 rubles, monthly subscription fee - 350 rubles, subject to payment for purchases in the amount of 25 thousand rubles. monthly - free of charge;
  • commission for transactions - 5.5%.

Other advantages: free internet banking and SMS alerts with PU Card+, concierge service. As well as discounts from bank partners, the possibility of issuing additional cards (up to 5 pcs.)


The conditions for a Platinum credit card differ in the following parameters:

  • the limit is increased to 1 million rubles;
  • the interest rate is reduced to 22%;
  • issue - 850 rubles, you can use it for free with a turnover of 65 thousand rubles. monthly.

Owners are entitled to all of the benefits listed above and the Roadside Assistance service.


Roadside Assistance Program

For owners of the VTB 24 Privilege service package, an Autocard can be issued as part of a special AUTO program (Visa Signature or MasterCard World Black Edition plastic is offered). At the same time, the Roadside Assistance service is connected.

It will allow:

  • receive advice: technical - by telephone, legal - by phone and in person;
  • if necessary (breakdown, accident) to evacuate the transport;
  • receive the following types of assistance: fuel delivery, wheel replacement, starting the engine and opening the car.

The Roadside assistance service allows you to receive timely and necessary support, both technical and consulting. Service options will be useful to motorists both in everyday life and while traveling.

We reviewed VTB 24 debit Autocards, the choice of plastic depends on the financial capabilities and preferences of customers. Now let's find out what co-branded credit cards the bank offers to motorists.

Conclusion

In VTB 24 Bank, the Autocard is issued as a debit or credit card, the client chooses the category in accordance with his needs and financial capabilities. The higher the status of the plastic, the more additional benefits and bonuses the owners are entitled to.

The premium Black Edition credit card will please its owner with a large limit and an interesting package of options. For customers who have a bank deposit, the credit limit can be set at 1,200,000 rubles. The card is issued to participants of the salary project with a limit of up to 600,000 rubles. The interest rate is 27.9% per annum. Grace period is 55 days.

The cardholder is provided with the services of a personal manager and services in special areas of the bank. All consultations are conducted via dedicated telephone lines.

On a card in the amount of up to 3% of purchases at gas stations and 1% of other payments. When traveling abroad, the cardholder will receive free accident insurance.

The “Driver's Package” guarantees assistance on the roads in unforeseen situations: calling a taxi in case of an accident, fuel delivery, technical advice. When renting a car in Russia and abroad, discounts will be provided.

Repayment of credit debt is made by regular installments, at least 5% of the debt amount per month. In the event of a delay, a penalty of 20% per annum will be charged.

Cash withdrawal is limited - no more than 50% of the credit limit per month. For cash withdrawals at ATMs and PVN of the bank, the commission will be 3.9%, at least 390 rubles.

The card is issued free of charge. Payment for the first year of service 12,000 rubles.

A credit card can be ordered by residents of the Russian Federation over the age of 23 who have permanent registration in the bank's coverage area. To draw up an agreement, you need to submit a passport, work book and income statements to the bank.

Advantages of the card: a large credit limit, moderate interest rates and options for car travelers make this offer of the bank worthy of the attention of customers.

cashback

Cash withdrawal fee

Credit funds
At bank ATMs3.9%, min. 390 rub.
At ATMs of third-party banks3.9%, min. 450 rub.
At the cash desks of the bank3.9%, min. 390 rub.
At the cash desks of third-party banks3.9%, min. 450 rub.

Operation limits

cash withdrawal per month: no more than 50% of the established limit

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