Credit card "Russian Standard". Credit card "Russian Standard": reviews

It is difficult to imagine the life of a modern businessman without a plastic card. And the majority of successful people who earn money by no means, along with ordinary debit, also use credit cards, often even a few. Demand for this product today is great for all segments of the population, and interest in it is more than justified. Such cards allow you to always have a stock of free financial resources, regardless of salary, and very much help in case of a variety of unforeseen situations, spontaneous purchases. To date, there is a fairly large list of banks that have very interesting offers in this segment. Among them - well-established over the past few years, "Russian Standard". More than 25 million Russians use card products of this bank today. The credit card "Russian Standard" is released in an amount of about 40 million units, and this is not the limit. What is so attractive for the citizens of our country? How to get it and what conditions should be expected when applying to the bank? These questions will be answered by this article.

General description of the bank's credit card

Terms and rules for using this kind of product are similar in most banks. But each of them has its own nuances and advantages. What is remarkable about the Russian Standard credit card? First, getting it is very simple and often you do not even need to go to the bank for this. You can apply online at the credit institution's website. This will get the money quickly, but in a limited amount. The fact is that the maximum limit on the card is 450 thousand rubles. To count on such a considerable amount, it will be necessary to provide a certificate of 2-NDFL, in addition to the standard set (passport and the second document), and for this you will still have to visit the bank "Russian Standard".

You can also issue a credit card for a large amount if you own a real estate or a car. Then you should indicate these data in the questionnaire. Such clarifications will allow the bank to better assess the financial condition of the borrower and provide a large amount of money for its use.

Advantages of the card - in its interest-free period, which is 55 days. During this time, you can fully pay off the loan amount, without paying additional interest to the bank. However, this is not necessary. Money can be used even longer if there is no possibility to pay off the debt in this limited time. The only condition is to make a minimum payment of 5% of used credit every month.

Terms & Conditions

To whom and under what conditions is the Russian Standard credit card provided? The application can be submitted by persons not younger than 25 years (for those who are already 18, there is a special offer) and not older than 65. In this case, you can count on the following sentence:

• Credit limit up to 450 thousand rubles;
• 0% for debt repayment within 55 days;
• 36% when using credit over 55 days;
• 4.9% for withdrawing cash from ATMs;
• Free application and release;
• 600 rubles for annual maintenance of the card.

In addition, in the case of a positive credit history and with the regular use of the card, its limit will constantly increase. Also on the balance of funds on the card, the bank charges a small percentage - 3% per year (small change, but nice).

Keep on the card you can both credit and own funds (for their withdrawal, there is no interest). You can pay both in Russia and on trips around the world.

Types of credit cards

Next we will consider a number of the most interesting offers of the bank in the category of credit plastic cards.

The map "Malina"

Depending on your needs, you can choose one of the proposed loan products of the bank "Russian Standard". A credit card, the terms of which will appeal to those who like shopping, 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 changed to gifts from a special catalog "Raspberry". The program involves a variety of cafes and restaurants, online stores, pharmacies, gas stations, dry cleaning and other services. Such a card can be a great gift for a beloved woman.

Cash Back Card

There is another attractive credit card "Russian Standard", which allows you to benefit from the purchase. It's called Cash Back. Already by 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 in the future - from 1 to 3% on an increasing basis (depending on the volume of perfect purchases). Another advantage of this card is the interest for using credit money, which is 29% against the standard 36%. Agree, an attractive proposal.

Blue American Express Card

This product is a real find for those who often travel and take care of the safety of their finances. What does this "Russian Standard" credit card offer to its owners? First, the ability to protect your money from fraudulent operations with coverage (reimbursement) to 10 thousand dollars. Secondly, legal and medical, as well as baggage insurance during trips both at home and abroad. Thirdly, return to the card up to 2% of the funds from the purchases made on the card. In addition to all these benefits, another gift is the year of free banking. This will allow especially doubters to check all the possibilities of the product without spending a single ruble of its own funds. You will see, you will like this "Russian Standard" credit card ! Feedback about this product confirms that it continues to be used in the following years, despite the cost of maintenance in the amount of 900 rubles. By the way, interest for using money is also lower than under standard conditions, and is 29% per annum.

The "Student" card

Finally we got to the youth product, so desired for the student population. Student credit card "Russian Standard" is intended for persons aged 18 to 23 years, who are enrolled in universities in full-time and correspondence departments. For its registration it will be necessary to provide a student ticket or a record book to the bank to confirm its status. For young and often unemployed (or part-time) students this product is very attractive. The service fee of the card is only 200 rubles, and they are taken only for the first year of use. It operates on an interest-free period, and the rate itself is below the standard conditions - 29%. In addition, paying this card, you can get attractive bonuses in the form of discounts of up to 30% in various cafes, clubs and other entertainment places that are in demand among young people.

As for the limit, initially it is installed in a small amount. Usually this is 10 thousand rubles, which are regularly renewed for the amount of debt repayment. However, with a constant and accurate use of the card, this limit will be raised by the bank if the bank sees a serious attitude of the student towards credit. In general, this card is a great way to increase the size of your pocket money and learn how to interact with credit structures.

Conclusion

Plastic today is a convenient and often profitable replacement for a purse. A credit card "Russian Standard" - an effective tool that allows you to expand their financial capabilities and use the bank's money on favorable terms, and in some cases, almost free. The bank offers a variety of options with different conditions and bonuses, which can be selected according to their needs and status. Use credit cards to make your life richer and brighter!