Auchan consumer card. Auchan card - types, order and conditions of receipt, discount and bonus programs
More recently, Auchan hypermarkets accepted credit cards of the same name. Currently, you can pay for your purchase using a payment instrument of any financial institution, but the popularity of Auchan Visa Classic has not been affected. The reason is that it provides the holder with not only one advantage in the form of a credit limit, but also many others.
Many people mistakenly call her a credit card. Objectively speaking, the card is a debit card, and its holder has the ability to use both borrowed funds and personal ones.
An overdraft is provided for a payment instrument - a revolving credit limit. You can deposit your funds in various ways, for example, through Credit EuropeBank terminals. It is this financial institution that issues the payment instrument and provides the holder with borrowed funds. There are also many other ways by which you can deposit money into your account.
In order to get a credit card, you can contact the bank branch. To obtain it you need to have a passport. The easiest option is to get a credit card directly at Auchan hypermarket. Extradition occurs on the day of treatment.
Credit EuropeBank positions the payment instrument as a payment card with overdraft. It is accepted for payment in all retail chains in Russia and abroad. Holders become members of the discount and bonus program. The latter is carried out on the basis of a partnership agreement with the Auchan retail chain.
Advantages of a credit card:
- loan amount - up to 250,000 rubles;
- when paying for goods and services in Russia, a bonus of 1% is accrued;
- when paying for goods and services on the Internet and abroad, a 0.8% bonus is accrued.
For the use of funds charged at a rate of 27% (Moscow region). In the regions, the rate is 31.5%. Minimum cash withdrawal fee: 399 rubles, 4.5%. Mandatory monthly debt payment is 5% of the total amount. For using the SMS notification service, a fee of 50 rubles per month is charged.
Credit cards of Auchan hypermarkets are an extension of the possibilities of making purchases in stores in Russia and abroad. Credit Europe Bank debit and credit cards help people across the country purchase the desired products without worrying about their own finances, because the system allows you to use it.
Auchan Visa Classic card is a credit card or with the ability to pay for purchased goods after a preliminary purchase. You can pay for goods at Auchan hypermarkets and other stores of various kinds.
The main payment term is the availability of Visa International system services.
The system operates in the territory of the Russian Federation, abroad and other trade enterprises around the world.
Objective advantages:
- grace period of 50 days;
- the presence of bonus points, offers and discount programs;
- payment without commission at specialized ATMs;
- the ability to use the card as an additional wallet;
- credit limit in the amount of 250,000 rubles;
- cash withdrawal on credit;
- the possibility of contactless payment, the use of a chip and magnetic strip;
- payment for purchases in online stores;
- total term of use - 3 years, then the card will be reissued automatically at the expense of the company.
During the grace period, which lasts a total of 50 days, the customer is entitled to make interest-free payments with the bank after making purchases. To pay off debt, it is best to use Credit Europe Bank ATMs and Eleksnet terminals (Oney menu). Thanks to these services, the option of non-commission payment and instant transfer of funds to the client’s personal account is saved.
The discount program involves discounts in the amount of 3-5%, and the loyalty program - points credited for each monetary transaction. It is important to know: one point is equal to one ruble. There is also an exchange of points for Auchan gift cards.
You can find out the card balance from Credit Europe Bank in Internet banking. The site is perfect for safe and fast navigation in your personal account. It is possible to control finances with the help of a mobile application in which many money transactions are carried out, related not only to the purchase of goods of various kinds, but also to many others. The balance can be found both in the application and in the Internet bank by going to the thematic tab with the current account amount. There is also the possibility of paying for utilities, mobile communications, Internet and television.
In order to start using the services, you must log in to the account on the official website of the bank.
To enter your personal account using the Auchan Credit Europe Bank card, use the link: https://online.crediteurope.ru/FWFIB/loginNewNV.jsp?companyCode\u003dRU&lang\u003den.
Or go to the online bank through the website of the Auchan store:
Making a card will be quite simple thanks to the available conditions. The credit limit is set by the bank based on the individual qualities of the client.
Necessary criteria for applying:
- active phone number of the future customer;
- russian citizenship, passport;
- age from 21 years to 65 years.
In cases where the requested maximum amount is more than 140,000 rubles:
- 2-personal income tax;
- proof of employment in the form of a certificate (in the form of a bank);
- proof of income in the form of a certificate (in the form of a bank);
- statement of the salary account;
- certificate of state registration of IE;
- iP tax return.
To approve the application:
- official employment for 3 months or more;
- presence of residence registration - the territory of the Russian Federation;
- the presence of 3 telephone numbers registered at the current place of residence;
- number (landline or mobile) associated with the place of registration;
- work phone number (place of work).
Card issuance takes place directly in Auchan hypermarkets.
Tariffs “Credit Europe Bank” are a program tailored for a certain contingent of people, because of which not all are suitable. Many services are provided free of charge, but others have a significant price.
There are a lot of additional services. If you wish, you can change the PIN code for free, issue notifications via SMS-distribution, it is provided for the first month free of charge.
Service:
Commission:
Limit
Interest
Additional services
You can find out more about tariffs here:
How to close a card account?
There are two options to close the Credit Europe Bank card:
- Customer Initiative:
To close the account, you need to terminate the contract using a paper application after 35 days after receiving the card.
- Bank initiative:
The account is closed if the bank notes a lack of payments for 2 years. In such cases, the bank is obliged to send a written notice to the client, after which they wait for two months for a response. In case of its absence, the contract is considered terminated.
Auchan card is a plastic product designed for settlement purposes. The card can be used to pay for goods and services in the chain of stores of the same name, as well as in other retail facilities. Together with the Auchan supermarket chain, a bonus and discount loyalty program has been developed. Consider what Auchan credit card is, what powers it gives its holder and what bonuses you can rely on if you have one.
Program Details
In the process of paying for goods with this card at any point of sale, the owner receives certain points. Let's consider this system in more detail:
- 1% - when purchasing goods in stores Auchan, Auchan City, as well as in the Internet resource of this network;
- 8% - when calculating in any other country's store in Russia and abroad.
The points that have been accumulated can be exchanged for the gift card of the same name, as well as spent at the discretion of the owner. The equivalent points / money is as follows: 1 point received by bonuses is equal to 1 Russian ruble.
Discount offer
Absolutely every holder of this banking product can count on discounts, exemptions and incentives, paying with electronic money (on the card). The size of the discounts is 3-5%. You can familiarize yourself with the entire list of partners on the site and find a store that is right for you. When visiting it, it is worth notifying the employee that purchases will be paid with this particular card.
Who is entitled to issue a card
Absolutely every citizen of our country can engage in the design of this banking product. However, it must meet the following requirements:
- working experience in one current position - from 3 months;
- region of residence (registration) - in the Russian territory;
- provision of three different telephone numbers - landline at the place of residence, work number, additional number.
If you meet these conditions, you can safely count on getting this card and using all its bonuses.
Card paper
When considering how to get an Auchan card, it’s worth considering that you need to provide several documents to the bank. The list is very small:
- general passport of the Russian Federation;
- a paper confirming a stable income (if we are talking about a request for a limit of more than 140,000 rubles);
- statement of the account related to the client’s salary, it is important that it is opened in his name, as well as that all transactions are displayed within it;
- certificate of registration of IP, if provided for by the terms of the contract.
You can do card design in Moscow and St. Petersburg. Of course, this procedure can be done in other regional centers of the Russian Federation.
Card closing features
To study in detail all the issues associated with this banking product, you should know how to close the Auchan Europe Bank card. Close the card is quite simple. For this, a standard algorithm of actions is performed.
- Applying for closing a card.
- Payment of debt, if any.
- Waiting for verification actions by the bank (this process takes several days).
- Personal appearance at the bank to sign a paper stating that the account is no longer serviced.
You can find out more by phone number of a banking organization. You will be advised on any questions.
Reviews
In order to have an objective picture of the quality of service within the framework of the Auchan map, it is worthwhile to familiarize yourself with the reviews in detail and draw your conclusions.
Alina
She managed to regret her decision several times - to draw up a map of this supermarket chain. The fact is that insurance was imposed on me, so I ran into a common problem - the refusal to sign papers. An employee nevertheless persuaded me to sign, saying that you can disable the insurance service by phone. On the same day I called the office, and what do you think? That's right, I was kindly informed that it was impossible to do this by telephone, again I had to go to the office.
As a result, I scored on all this and stopped imposing myself. I decided to abandon insurance in a month. Every time I went into the office, they had a reason to refuse: either the tape ended, the specialist went on vacation, or something else ... As a result, I seriously overpaid for the first month of using the card, as well as for the second, third. Tomorrow I’ll go to close it, I don’t need such a “service”.
Ivan
It seemed to me that the bank is writing off the commission on illegal grounds. I wrote a complaint to the bank office, it contained something like this: “Then and then, the annual commission was written off my card (number), the validity of such and such. I think it’s wrong to write off money before the end of the term. I ask you to return the amount paid. "
In response, I received something like this: “Thank you for contacting, the withdrawal of the commission occurs every day on the date the first transaction is displayed in the first reporting period.” And they asked to inform the bank if I change my mind about using the card. When I signed the contract at the bank, for some reason no one told me about it ...
Irina
I like the service of the card, and the bank itself is good, I have not applied to it for the first time. You can withdraw money without a commission, but the difficulty lies in the fact that the bank has few ATMs, and there are always queues in offices. I find the terms of use of the card favorable.
Vladislav
The card can be used as a debit and as a credit account. For purchases, the user has the right to rely on the accrual of bonus points. I didn’t like the fact that the beginning of the grace period is always from the 1st day, regardless of the date of purchase.
Dmitriy
When issuing a card, employees misinform customers, and then it turns out that card maintenance is more expensive. From my account, the money began to literally “fly away”. After a call to the bank with a request to explain to me what was happening, I received a response that a package of services was connected to my card that I didn’t even use. He asked why they did not tell me about this when issuing a card. The girl referred to the fact that if she was engaged in the design, she would certainly have informed, and so ... This is not her problem.
Irina
I think that the bank itself is not bad, but the high commission for the use of funds, the high cost of annual service and incorrect customer information spoil the picture. Most of all I care about the last point. I believed the beliefs of a bank employee in St. Petersburg and immediately thought that I had found the best offer on the entire market. But in the first month of using the card, my euphoria was gone, overpayments for the service turned out to be predatory. I do not recommend signing a contract until you carefully read through all the conditions.
Danil
Normal service. The employees were surprisingly competent, I didn’t have anything sec on this card, and when I left the bank, I felt like a financial expert. So far, I believe that this is the best bank of all that I have worked with, and there are as many as 5 of them together with Credit Europe.
So we examined what a loan is Europe Bank, Auchan card, reviews and recommendations. Now, on the functioning of this institution, you can draw independent conclusions and decide whether to order a card.
Purchasing in Auchan hypermarkets will be much more profitable with the Auchan VISA Classic bonus card. It is important to note that it differs markedly from ordinary discount product cards offered in competitors' retail chains. This is more than just a Auchan loyalty card, it is, in fact, a full-fledged banking product. The card is supported by the Visa international payment system, and it gives owners the opportunity to make payments in the Russian Federation, outside the country and on the Internet. In addition, cash can be withdrawn from it at ATMs or, conversely, to replenish the account.
What are the principles of lending with Auchan VISA Classic card
Auchan VISA Classic is a settlement debit co-branding card with the possibility of overdraft lending. Moreover, the grace period for it is as much as 50 days. That is, during this time you can return the money spent without interest. If you did not meet the grace period, then for you the loan rate will be from 27.5 to 31.5%. The loan is repaid by paying a monthly installment, which is 3% of the total amount of the debt (but at the same time, in any case, it cannot be less than two hundred rubles).
Of course, we must be very careful about the process of returning the borrowed funds. If the cardholder fails to pay the loan on time, the bank has every right to raise the rate to 59.9% per year (such interest will be charged on the unpaid amount). Debtors may also be fined for late repayments, for example.
Other features of Auchan VISA Classic
These features, of course, should be of interest to those who in the future want to use this banking product. Here is a list of them:
- Auchan bonus card is valid for two years, then, if necessary, you can order a new one.
- The fee for servicing a card ranges from 350 to 470 rubles per year (there is a dependence on the region in which the holder lives).
- It is possible to issue a second additional card in one hand. Moreover, in the first year it is served free of charge, and in the second year the service charge is 175 rubles.
- Commission for cash withdrawal leaves 4.5%, but not less than 399 rubles. In this case, you can cash out no more than a quarter of the credit limit.
- Payment for SMS alerts is from 50 rubles.
- Auchan Discount Card supports PayWave and 3D Secure. There is also a magnetic strip and a chip.
- Internet banking is free.
And one more important addition. On this card in the upper part the word Oney is written in large letters - this means that it is served by Oney Bank LLC. This is a commercial bank, part of the French group Auchan. He has been operating in the Russian Federation since 2013.
What discounts can Auchan card holders expect
Perhaps the main plus of Auchan VISA Classic is the following: paying with it, the owner can accumulate valuable bonus points. How to get bonuses on Auchan card? In practice, everything is very simple: when buying in Auchan or in the official online store of this network, they will be charged automatically at a rate of 1% of the amount spent. When shopping in third-party online and offline stores, bonus points are awarded in the amount of 0.8% of the value of the check. Subsequently, the card holder is entitled to exchange them for Auchan gift cards based on the following rate: 1 point is 1 ruble.
In addition to pleasant bonuses within the network, Auchan cardholders receive discounts on loyalty programs from partner companies from 3 to 15%. Examples of large partners include:
- adamas jewelry store chain (discount on all goods purchased with a card is 5%);
- watch salon 3-15 (discount on all goods purchased with a card is 5%);
- a network of dry cleaners Nikko (discount when paying with a card is 10%);
- Imperial Porcelain Factory (5% off).
The full list of partners is easy to see on the trading network website. It is interesting that if the selected partner has his own discount program, then in some cases the discounts can be added up.
Under what conditions is it possible to get an Auchan card
Before you receive an Auchan discount card, you need to make sure that you meet the conditions that apply to its potential owners. Namely:
- Cards can be issued only citizens of the Russian Federation over 21 years old and under 65 years old.
- A client applying for a card must work for at least four months at his current place of work. If the client has the status of an individual entrepreneur, he should be presented with a certificate of registration of individual entrepreneurs and the latest tax return.
- There is one more condition - you need to specify three different phones in the region of residence (home, at the place of work and one more additional).
You can order a card on oney.ru or in the lending department of Auchan hypermarket.
It is worth noting the special convenience of the second method - you can immediately go shopping for goods. In addition, you must understand that the online application is preliminary and ultimately, in order to pick up the card, you still have to visit the selected Auchan store. Today the network is represented not only in Moscow and St. Petersburg. Auchan stores operate, for example, in Nizhny Novgorod, Novosibirsk, Kazan, Omsk, Ryazan, and so on. To apply for a card issue, if you are applying for a credit limit of no more than 20,000 rubles, you will need only one document - a passport. And for the limit to be more than 20,000 rubles, you will need to provide a second document.
Close the card, if suddenly you stopped needing it, it will not be difficult either. To do this, you need to contact the bank office or at the credit desk in Auchan and write a written application for termination of the contract.
Today, banks, together with many retail chains, issue credit cards, such as Europe Bank Auchan card, which allow you to receive discounts on goods of the same network, participate in various promotions or accumulate bonuses when paying. In this case, all three parties win: the bank, the trading network, and the client.
Not an exception in this case is the Auchan retail chain, which, together with Europa Bank, issued an Auchan credit card. For those who need a profitable loan, Europe Bank Auchan offers a card as an ideal solution to your financial problems.
Credit Card Auchan Visa Classic
Auchan card refers to the Visa Classic payment system. It allows you to make various types of payments in Russia and abroad: both in stores and on Internet sites.
If you do not want to use credit funds, then you can use the Auchan card as a debit product.
Advantages of the Auchan Card
The most significant advantage of the card is that bonuses in the amount of 1% of purchases are accrued for purchases in the Auchan retail chain, and 0.8% for purchases in other retail chains.
- The credit limit can reach 200 thousand rubles. At the same time, it remains on the card for the entire duration of its validity, provided that the client repays the debt on time.
- The grace period for this credit card lasts 50 days. During this time, you can use bank funds for free.
- A lot of positive reviews can be found about the Auchan credit card, an online application for which can be submitted in hypermarkets of the same name.
- There is no fee for issuing a card.
- The low cost of annual servicing of a credit card is 290 rubles for those registered in Moscow or Moscow Region, for other cities the service is 470 rubles.
- Mandatory payments are low compared to other loan products - 5% of the amount of debt on the card.
- Auchan credit card is issued to a client within 5 minutes after his appeal to bank employees.
- Active credit card for three years. Her reissue is absolutely free.
- Allows you to pay for purchases in online stores.
- An opportunity to pay for purchases with a 5% discount in Auchan partner stores.
- When paying for goods with the Auchan card, bonus points are awarded on the total price of the entire purchase. The cardholder is constantly involved in the program, under which one accrued point can be changed to one ruble. The exchange is not done for cash, the accumulated rubles by credit card Auchan program conditions allow you to spend only on the purchase of goods or exchange for the same gift card.
Credit Card Card Credit Plus
Among the owners of the Auchan card, most of them leave positive feedback about it. If you wish, you can read customer impressions on the banking Internet pages of Europe and the forum of the Auchana store. Among all the advantages, cardholders like the fact that this loan product can be used as a debit card and at the same time accumulate bonuses promised by the program. High-quality service and a fairly low fee for it play an important role in choosing a card.
Disadvantages of the Auchan Card
Along with the listed advantages, the Auchan card also has disadvantages, like all credit products.
- Large annual interest accrued for the use of credit funds. Interestingly, the Auchan credit card has a different credit percentage depending on where the purchases are made. When paying by credit in the Auchan distribution network, money is returned at a rate of 28.9% per annum. And when paying for goods in other stores or cashing out money - 33%.
- You can cash out only a quarter of the amount of the credit limit.
- A grace period unlike other banks, which can lead to misunderstandings and delays on the part of customers. The grace period for the Auchan credit card begins on the 21st day of the month in which the purchase was made or the next one. That is, if you made a purchase on June 1, then your reference period began on May 21. Therefore, it is better to make purchases with the Auchan card in the period of 21-23 numbers.
- For the 5th month of using a credit card for SMS informing, they will begin to calculate a fee, which is 360 rubles per year. Whereas in other banking organizations this service is free. More detailed information can be found on the Internet by typing "credit europe bank card auchan" in search engines.
- When withdrawing your own cash from the card, the commission is 0%, but if you want to withdraw credit, then be prepared to pay a small percentage of the amount - 4.5.
There are no accruals on own funds on the card or the balance on it.
Additional card services
Credit Card Card Credit Europe Bank
- At Europe ATMs, you can find out your credit card balance.
- Free access to online banking.
- The ability to change the pin-code of the card at any ATM of the Europe Bank.
- The ability to receive account statements every month, both by mail and by e-mail.
- SMS alerts connections. However, it is worth remembering that starting from the fifth month this service becomes paid. Its price is 50 rubles per month.
- The ability to insure yourself against accidents and death. Two insurance programs are offered with an Auchan credit card - Comfort + and Be Healthy.
- For Auchan card holders of the Visa Classic system, a discount of 5 percent or more is offered at partner stores of the hypermarket.
We issue the Auchan card
To become the owner of the Auchan card, you must contact any hypermarket of the same name and apply. The card is issued by employees of the Bank "Europe" within a few minutes. The card is valid for 36 months and after this period or its breakdown, you will be replaced with it absolutely free.
Documents for issuing a credit card:
- Passport. You must be a citizen of Russia who is 21 years old, but not older than 65.
- If you are counting on a credit limit of more than 70 thousand rubles, you must provide a salary certificate. For lower amounts, one passport is sufficient.
- The presence of telephones - at least 3. You can get an Auchan credit card online using the Internet.
- Work experience at a permanent place of work for more than 4 months.
Credit Card Card Credit Gold Europe Credit Bank
Credit repayment methods
- Cash in the bank office and self-service devices.
- Cashless transfers from any other account at any bank.
- Using the terminals "QIWI", "Eleksnet", PlatForma.
- In any post office.
Card maintenance and its "pitfalls"
Auchan customers are always ready to be serviced by a support service, whose specialists will help to resolve any problems with a credit account even at night and on holidays.
You can find out any information on the account, block / unblock the card and ask any question about the Auchan program over the phone or through Internet banking, which is a free application for Europe Bank customers. Using the Internet, you can request account statements (monthly and even annual), see the number of accumulated points and shopping centers where they can be spent. There is no doubt that Europe Bank offers a credit card Auchan in conjunction with the Auchan trading network on very favorable terms, both for the buyer and for themselves. However, do not rush to draw up a card without exploring the nuances that everyone can encounter.
The conditions on the card that you need to know:
- For untimely payment of debt and interest on it, a fine of 20% per annum.
- In case of overdue debt, increased interest is accrued on it - 59.9 per annum.
- In case of overrun of the established limit for the day, a fine is also charged - 0.08% per day of the amount exceeding the limit.
- When requesting information about the balance of the account in a “foreign” ATM of the reservoir, it is 30 rubles. for the operation.
- The commission for depositing your own funds is not withdrawn only if you use an ATM, when you contact the offices, the service fee will be 200 rubles.
- Cashing fees are 4.5%, but not less than 399 rubles, both at ATMs of Europa Bank and third-party organizations.
Auchan card refers to multifunctional and universal credit products that allow you not to think about the amount of money in your wallet, but to buy goods as much as you want.