Raiffeisen debit cards for individuals. Raiffeisen Bank debit card: cost and conditions
According to rating agencies, Raiffeisen Bank is among the top ten financial institutions. It issues a huge range of credit and debit cards with conditions for different categories of customers, thanks to which its products are used not only by individuals, but also by entire organizations.
The issue of 12 debit cards from Raiffeisenbank in the payment systems Mir, Visa and MasterCard distinguishes it from its competitors and satisfies the needs of all people. Reliability and the possibility of contactless payment are the key to comfortable customer service.
Full list of Raiffeisenbank cards
To date, 12 types of debit cards are available to users:
- "All at once."
- "Children's".
- Buy&Fly.
- "Afisha Restaurants".
- MasterCard Standard.
- « Visa Classic Travel".
- "Master Card Gold Package".
- Visa Gold Travel.
- « Platinum MasterCard».
- Master Card World.
- Visa Signature.
- "Peace".
The most popular of them should be considered separately, because. in all cases, individual tariffs, conditions and bonuses apply.
"All at once"
For users of the "All at once" card, up to 5% cashback is provided for all purchases and instant issuance, but these are far from all the benefits:
- New customers earn 1 point for every $50 spent. For everyone else, this amount increases to one hundred.
- For a birthday, the bank makes a nice gift - 500 points that can be spent on purchases.
- Raiffeisen cooperates with 5,000 partners, and each of them has a discount when purchasing goods with a card.
- Privileges apply, the same as for the Visa Gold card.
An important advantage is the free cash withdrawal in "native" ATMs and terminals of partner banks. Another plus is the low cost of annual maintenance (only 1490), and for SMS alerts you need to pay only 60 rubles. monthly.
The disadvantage is the restriction on the currency - only available Russian rubles. And if you withdraw banknotes at a third-party ATM, you will have to pay a commission of 1%.
Children's card
This product provides 5% cashback, free mobile app and the possibility of interest-free replenishment from other accounts. It can be obtained for children of two age categories: from 6 to 14 years old, and from 14 to 18 years old. For parents, such plastic is convenient in that they can control expenses and manage limits, and the cost of maintenance will be only 490 per year.
"Buy&Fly"
Premium service is the main advantage of this product. For each spent 50 rubles. up to 2 miles are credited, and for travelers there is a free insurance service for the whole family. Upon reaching the required amount, you can exchange miles for:
- Air and railway tickets;
- Hotel booking;
- Transfer by business class car or Aeroexpress tickets.
Holders are provided with a free SMS bank, and the cost of maintenance for 1 year will be from 3,000 to 6,000.
Visa Classic Travel
This card is ideal for travel lovers: when using it, 1 mile is credited for every 40 rubles spent on any purchases. The low cost of maintenance is also pleasing - only 750 per year, and you will have to pay the standard 60 rubles for SMS alerts. per month.
Platinum MasterCard
This banking product is the best solution for customers who make frequent trips abroad. There is a possibility of emergency cashing out Money in case of loss of plastic, free replenishment from cards of other financial institutions. Also for this offer there is a dedicated line "Premium Line" to resolve any issues.
Using Platinum cards MasterCard is subject to the following terms and conditions:
- Currency - rubles, dollars and Euro.
- Free SMS banking.
- No commission for the maintenance of plastic and the issuance of cash at Raiffeisenbank ATMs.
- Commission for cashing out at third-party ATMs - 1%. When withdrawing dollars - 1% or 3 $, Euro - 1% or 3 €.
Visa Signature
Frequent travelers with this premium debit card receive the following additional benefits:
- Assistance in obtaining a visa.
- Real estate insurance.
- Providing safe deposit box with discount.
- Fast track and discounts for airport check-in.
- Aeroexpress at the expense of the bank.
- Availability of two currencies - Euro and rubles.
Debit card Mir
This product is usually chosen by organizations to pay salaries to their employees due to the preferential annual content. Standard conditions apply to holders of this debit card:
- Interest-free withdrawal of banknotes at ATMs of Raiffeisen or partners.
- Free app and internet banking.
How to get a card from Raiffeisenbank
To apply for a debit card, you need to follow a few steps:
- Choose on the official website the most suitable product for yourself.
- Select the "Finish" menu, enter your data: name, phone number, region of residence.
- wait callback from the manager, agree on the branch and the date of receipt.
- Visit the office with a passport at the appointed time and pick up your "plastic".
If there is no time for a personal visit, you can order the delivery of the card by courier. Deadline - 1 business day.
Advantages and disadvantages
According to Raiffeisenbank customers, each of its products has certain advantages:
- Favorable terms of service.
- Pleasant bonuses that allow you to save on trips or purchases.
- Quick checkout and receipt.
There are no significant shortcomings in the debit cards of this bank, due to which more and more organizations choose it every year.
Conclusion
Using debit cards from Raiffeisenbank is great way earn miles and bonuses by spending your own money on the usual purchases. By choosing the products of this financial company, you can be sure of its reliability and quality of service, which is important for people who value their time and finances.
I hope our tips were helpful to you. See you on the pages of the site!
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The interest-free period for any of the Raiffeisen cards lasts up to 50 days, but nowhere does it apply to cash withdrawals, and by the way, the withdrawal commission is quite impressive - 3% of the amount, but not less than 300 rubles. However, for those who draw up a credit card specifically in order to withdraw money, the bank issues a Cash Card, where a withdrawal fee is not charged.
At cash card there is another advantage besides the absence of a commission for withdrawing money, which by the way is a rarity for the lending market, this is its cost, or rather its absence.
The first year is provided to use the card for free, and for the second year you can also not pay when the average monthly turnover for 12 recent months was above 8,000 rubles, if you fail to meet this limit, then pay 750 rubles a year. For a standard card, this amount is an average, but it is warming the fact that it is generally not so difficult to avoid.
Limit on loan funds Of course, it’s not high, only up to 150,000 rubles, but given that the card is issued with only one passport, then it all looks very tempting. The card also has a PayPass contactless payment function and a chip that protects it from various types of fraud. Another important advantage of the "Cash" card is that there is practically no restriction on cash withdrawals - 90% of those approved for you credit money. The only thing to complain about is interest rate - 29,9%.
If you need high credit limit you can issue one of the "Purchases in plus" cards, which are issued both standard and gold. Both versions have a chip and a PayPass system. The limit on cards is much higher - up to 300,000 rubles for classic and up to 600,000 rubles for gold.
The first year the bank allows you to use the card for free, and from the second year you will have to pay a commission of 750 rubles for the classic and 3000 rubles for the Gold card, provided that you do not invest in restrictive limits (average monthly turnover for 12 months is not less than 8,000 rubles / 25 000 rubles for Classic and Gold cards respectively), if the amount of average monthly turnover was higher than indicated, then you can use the cards for the entire period of its validity completely free of charge.
In our opinion, such conditions are quite feasible, and the bank, without charging a commission for the first year, gives the cardholder a chance to evaluate its merits and, if something does not suit him, simply close it and look for a better option.
The withdrawal limit for the Buy Plus card is set by the bank at 40% of your credit limit. The commission for withdrawing funds is the same as for the Cash card, that is, 3% of the withdrawal amount, but not less than 300 rubles. But the rate is much lower - 24% per annum. The Gold credit card provides free insurance for travelers abroad, as well as SMS notifications.
By the way, for those who travel often, it will be beneficial to issue one of the bank's possible cards - Austrian Airlines Raiffeisenbank of the World category or the Gold Card "Travel Card".
For spending on the card, you will receive bonus miles, and for enough good exchange rate, which can later be spent on the iGlobe ru website, where there are all travel services. Another notable advantage of this card is its inexpensive service - only 1,500 rubles a year and a good credit limit - up to 600 thousand rubles. Similar conditions apply to the Raiffeisenbank Austrian Airlines credit card with the only difference that the accumulated miles can be spent on buying air tickets.
With the Raiffeisenbank ELLE card, you can receive good discounts, up to 30% from partners participating in this program, and numerous privileges.
The bank also has another card with participation in bonus program, this is a MALINA Raiffeisenbank credit card, developed with the participation of the MALINA bonus system. It also allows you to get big discounts in partner stores, which are not so few throughout the country. The limit on such a card is up to 300,000 rubles, and the rate is 27%. The cost of servicing a credit card is 1,500 rubles per year, which, in general, is not much given the receipt of good discounts from various bank partners.
Any bank credit card is issued with the help of online applications, provided that you are a citizen of Russia and fit into the age limit - from 23 to 60 years old (for men) and from 23 to 55 years old (for women). Moreover, the upper limit is set in such a way that people who have retired no longer have the opportunity to issue credit card.
Another advantage of the bank is the service, according to which the entire process of registration can be carried out at your home or at your place of work, that is, a Raiffeisenbank employee will arrive at a convenient time for you and answer all your questions about the terms of the card, as well as pick up those prepared in advance you the documents necessary for issuing a card. After that, you will have to wait a few days until the card is issued, and then pick it up at the bank office.
large credit institution, which has support from outside. Their products are rather controversially perceived by critics, but still there are exactly those cards that can satisfy every client. Let's look at and analyze each card of Raiffeisen Bank - tariffs, conditions, registration methods and pitfalls.
Debit
NOTE! The virtual card is no longer serviced by this bank and it is not yet possible to issue it. We hope that in the future this opportunity will be very real.
All at once
- Bonus program:
- 300 welcome points on first total spend of 5000.
- 300 b on DR.
- 200 b for the new year.
- 1 b for every 50 rubles spent (100 from the second year and for non-new customers) on all purchases.
- The shelf life of bonuses is 36 months.
- The maximum you can accumulate in one calendar month. - 1 thousand b.
- Bonuses can be exchanged for rubles: 20 thousand b = 50,000 r, 4 thousand b = 4 thousand r, 1000 b = 600 r, 500 b = 250 r.
- The site indicates that there is a cashback, but this is an excellent manipulation from the bank with words, numbers and terms. Cashback, as we are used to, is not there. The bank is considered a cashback of 3.9% - this is the maximum return of 50,000 if you managed to accumulate 20,000 bonuses in 3 years. And these 50,000 will be "cashback" from the entire amount spent for the entire use of the card. Learn more about this product in full analysis and review read.
buy and fly
- Points can be accumulated and spent on travel: railway or air tickets.
- 1 mile for 100 rubles spent on everything.
- If the total purchase price is over 75,000, then the coefficient rises to 4 miles per 100 rubles.
- Term - 3 years.
- The maximum per year is 240,000 miles.
Gold Package
- 5 additional cards are free.
- 5% cashback on purchases at gas stations. Maximum refund per month - 3000.
- It is possible to use the products for free, for this you can fulfill one of the conditions:
- For all bank accounts, the balance must be summed up to at least 300,000.
- Card turnover per month from 30000.
For children
- 5% cashback for everything, but a maximum of 200 wooden ones can be accumulated per month.
- Issued from the age of 14. Valid under a contract up to 17 years.
Premium
- The ability to use the card for free, for this you need to fulfill all the conditions:
- Balance - 500 thousand.
- The balance in US dollars or euros is 10,000.
- Turnover per month for all products - 50,000.
- A loan or mortgage in a bank in the amount of 3 million.
- Multicurrency account in dollars, euros.
- Free travel insurance for all family members.
Travel
- We accumulate and spend points on the purchase of air tickets in almost any airline in the world.
- 1000 Miles a gift from the bank for your birthday.
- 1 mile for 40 rubles for all goods and services.
- 15 miles for every 67 rubles on iGlobe.ru.
PEACE
- No cashback and bonus programs.
Credit
General terms
Interest rate for cashless payments | 29-32% per annum |
Interest rate for cash | 39% per annum |
Grace period | 52 days (only for cashless purchases) |
Minimum monthly payment | 5% of debt + interest rate |
Withdraw cash from bank ATMs and partners | Commission 3% +300 |
Cashing in devices of other banks | Commission 3% +390 |
Conversion | With a commission of 1.65% |
Late payment | 700 fine |
Limit on the use of credit money | 60% of the amount per day 100% of the amount per month |
SMS account information | is free |
110 days
- You can not pay for the card if you spend 8 thousand per month.
Austrian Airlines
- 1 mile for every 50 wood on all expenses.
- They can be spent on buying plane tickets from the Lufthansa Group.
Raiffeisenbank debit card allows you to transfer own funds to the accounts of any banks and accept payments from any sources. At the same time, the issuing bank offers very favorable rates for servicing cards, a significant cashback and an extensive network of ATMs that allow you to withdraw cash not only in Moscow, but also in any Russian city(from the regional center and above).
Varieties of debit programs
- MasterCard Gold Package is a multi-currency program that allows you to open a debit bank account in rubles, euros and dollars.
- #all at once is a premium product of Raiffeisenbank with a 12-month free service period, a payout of 5.5% on the balance and a cashback of 3.9%.
- BUY&FLY is a program for travelers that allows you to convert spent rubles into miles. The bank guarantees the accrual of one mile for every 100 rubles.
- Platinum MasterCard and Visa Platinum are VIP products focused on special service conditions at Raiffeisenbank. They provide access to the Premium Concierge service and free insurance for travelers.
- MasterCard Standard and Visa Classic are standard programs that allow you to order a debit card online, with courier delivery to your place of residence. This product benefits from the possibility of free cash withdrawal from ATMs.
Terms of registration
According to the terms of registration adopted by Raiffeisenbank, only an adult resident of the Russian Federation can be a holder of the issuer's debit cards. Therefore, you can issue a banking product only if you have a passport or a document confirming the legality of your stay in Russia.
Registration involves the format of an online application - filling out a feedback form on the bank's website, a telephone interview with the manager and receiving the finished plastic delivered by the bank courier.
With the help of the CreditZnatok service, you can choose one of the good service rates by comparing a specific program with other offers of the issuer from the database of our service. By choosing a tariff and a card, a CreditZnatok client can go to the bank's website to fill out an online application. It must include your name and phone number.
During the working day (usually, after 20-30 minutes from the moment of filling out the application), the manager of Raiffeisenbank will call you back, from whom you can clarify the terms of service and the timing of the release of the payment instrument. The finished card will arrive at your address in 7-14 days.
Bonus when applying through our service
High cash-back
Fill out the form in online mode
CheckoutOver the past few years, a revolution has taken place in the banking sector: most services are now provided remotely. This reduced the processing time of applications and improved the quality of customer service. For example, debit card of JSC "Raiffeisenbank", became available for registration through the bank's website. You can slowly choose the best offer from the list, apply and receive "plastic" at the nearest office of the company or by mail.
Order a debit card at Raiffeisenbank
Raiffeisenbank has tariffs for every taste. A particularly large selection has been created for travelers, but there are also classic debit cards for ordering - here everyone will find the optimal package. The table will help you navigate the current offers:
Name | Advantages | Service | Additionally |
---|---|---|---|
Children's | - personal design; 5% cashback for everything (up to 200 rubles); Free replenishment; Cost control; Children's telephone line; Children's mobile application; Discounts from partners; From 6 to 14 years old is issued to the parent card | - annual commission 490 rubles; SMS 60 rubles per month; Cash withdrawal in other banks 1% minimum 100 rubles. | All contactless payment methods work. |
pay | - 4 miles for every 100 rubles; Free service; Discounts from partners in the Buy&Fly program. | 0 rub. | Redeem miles for hotels, flights, transfers and other program conditions. |
Mastercard Gold Package | - 5% cashback at gas stations; Free service; Online banking; Priority service; Up to 5 cards to the account; Payments without commissions; Multicurrency; | 0 rub. | Opportunity to get free life insurance. |
MasterCard/VisaPlatinumPremiumDirec | - free travel insurance for the whole family; Multicurrency; Concierge service; Instant reissue abroad if necessary; Partner discounts. | 0 rub. | Ideal solution for travelers, leased line. Overseas support 24 hours. |
MasterCard/Visa world black Edition Premium Platinum | - cash withdrawal abroad even if the card is lost; PriorityPass - access to airport business lounges; Personal manager; Premium concierge; Dollars, euros and rubles; Discounts from partners; Free travel insurance for the whole family; Payments without commissions. | 0 rub. | Gives additional benefits traveling customers around the world. |
Visa Classic | - free replenishment; Transfers without commissions; Works all over the world; Up to 5 additional cards; Cash withdrawal without commission. | 0 rub. | Discounts and more than 4000 partners of the company. Issued in the department. |
VisaClassicTravel | - 1000 miles for birthday; Instant issuance; Free online services; Bonus miles: 1 for 40 rubles spent; Miles allow you to book hotels and buy tickets, pay for insurance and rent on the iGlobe.ru website; Withdrawal without commission; Payment for services without commission. | 500 rubles per year. | |
PEACE | - instant release; Free for payroll customers; Free online services; 0% cash withdrawal. | 0 rub. | Personal bonus offers on the bank's website. |
We recommend that you pay attention to additional payments and commissions, which can be found in the "Tariffs" section on the organization's website. For some types of transactions and some types of cards, there are additional fees depending on the chosen tariff.
Registration of a debit card of AO Raiffeisenbank
Any citizen of Russia over the age of 6 can issue a debit card from AO Raiffeisenbank. In the period of 6-14 years, "plastic" opens in the form of a duplicate to the parent, after 14 you can order it separately. Of the documents for applying, a copy of a scanned passport of the Russian Federation is sufficient.
Online application for the debit card of Raiffeisenbank
To apply online, you need to select the most suitable program and click the "Apply" button: