Credit cards

Wait for an SMS message from the bank and set your PIN code via the Contact Center by calling 8 800 250-57-57. 

A passport of a citizen of the Russian Federation is sufficient to submit an application.

You will receive an SMS notification about the decision on your application. Also, in certain cases, a call from a Bank Uralsib employee is possible.

Wait for an SMS from The bank about the need to set a PIN for your card.

You can set the PIN in two ways:

• After registering at online.uralsib.ru or in The bank's mobile app, tap your card on the home screen, then select the "About the card" menu item, then tap "Change PIN".
• Or call The bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu prompts.
  

- By courier: when applying on the website and selecting courier delivery, we will deliver your card the next day. 

- At any bank branch during its business hours.

-  in the Uralsib Online mobile app and at online.uralsib.ru, including from a card of another bank,

- cash through ATMs of Bank Uralsib,  as well as ATMs of partner banks,

- by bank transfer from another bank, as well as through the Faster Payments System (SBP).

The grace period for the Cashback Credit Card is provided for up to 2 months, where:

• The first month is the period during which you spend funds using the approved credit limit. 
• In the second month, you need to repay the full amount that you spent in the previous month. 

You can ознакомиться with the list of transactions not covered by the grace period by following the link.

The grace period for crediting does not apply to the following transactions:

• cash withdrawals and fees for cash withdrawals,
• cashless quasi-cash transactions,
• fees for quasi-cash transactions,
• card transfers - transfer fees,
• cashless transfers through remote banking services.

Accordingly, the grace period for crediting applies to:     

• payment for goods and services using the card or its details,
  
• payment of bank fees, except for fees for cash withdrawals, quasi-cash transactions, and transfers.

The grace period for the "120 Days to the Max" credit card is granted for a period of 4 months, where:

• The first three months are the period during which you spend funds using the granted credit limit. At the end of each month, a minimum payment will be generated for you, which must be paid by the last business day of the following month.
• The fourth month is the month when you need to repay the entire remaining amount in full.     

You can ознакомиться with the list of transactions that are not covered by the grace period by following the link. 

Summary: in order for the grace period to remain in effect, you must pay the minimum payments every month and pay the remaining part of the debt in the last month. 

The interest-free crediting period is the period during which The bank does not charge interest on card purchases. 

Depending on the card type, it may range from 60 to 120 days. You can review the list of transactions covered by the grace period at the link.     

If you find an inaccuracy in the credit history contained in the credit bureau regarding loans issued to you by Bank Uralsib, submit an application at any Bank Uralsib branch.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the chat in the Online banking or mobile app of Uralsib Online, or through the website.  

Paying for purchases with the MIR Uralsib credit card via Mir Pay is a convenient and secure way to pay on Android. Works everywhere contactless MIR cards are accepted for payment.

What is required to link the MIR Uralsib card to МИР Pay:

- MIR Uralsib card;

- mobile device with NFC support;

- Android operating system version 7.0 or later.

To enable payment, you need to download the mobile application МИР Pay of the MIR payment system:

• forRuStore – https://redirect.appmetrica.yandex.com/serve/461121072318654547?utm_source=44525787&utm_medium=referral&utm_campaign=mainpage
• for AppGallery - https://redirect.appmetrica.yandex.com/serve/100840401677624850?utm_source=44525787&utm_medium=referral&utm_campaign=mainpage
  

Income can be confirmed with one of the following documents:

1.       A certificate of income in 2-PIT form - to obtain the certificate, you need to contact your employer and request the document from the accounting department.

2.       A certificate in the bank's form is an alternative type of income certificate. You can download the standard form using this link and submit it to the accounting department for completion.

3.       A statement from the Pension Fund - the document can be ordered through the Gosuslugi portal

It is sufficient to provide any of these documents. It is important that it contains income information for at least the last 3 months. As soon as you receive any of these certificates, send them to The bank by email at spravkapfr@uralsib.ru.

The simplest and fastest way is to send a statement from the Pension Fund immediately through the Gosuslugi service. To do this, follow the prompts: when the request has been processed, click the “Send by email” button and specify the email address spravkapfr@uralsib.ru or select the menu item “Choose a financial organization” and find Uralsib. Then you need to click the “Send” button.

That's it, the documents have been sent to the bank!

You can choose from:

• 120 Days Maximum Credit Card, which includes:

- a long grace period of up to 120 days, 

- allows you to withdraw and transfer money from the card without a fee,

- free servicing forever.

• Cashback Credit Card includes:

- a grace period of up to 62 days, 

- allows you to get back up to 3% of the purchase amount under the Uralsib Bonus program,

- free servicing with monthly purchases of at least RUB 10 000.

Under the new agreement, the interest rate on purchases cannot be lower than 20% per annum. If your current rate meets this requirement, it will remain unchanged. If it is lower, your purchase rate will be 20% per annum.

The interest rate for cash withdrawals, transfers, and quasi-cash transactions will be 69.9% per annum. 

The credit limit will remain unchanged and will be the same as your current Citibank card limit or will equal the total limit if you have several cards.

On August 25, 2022, Citibank announced the beginning of the wind-down of its retail business in Russia, and therefore it is not possible to renew your credit agreement for a new term. For clients who are accustomed to using credit cards, this option may be inconvenient, which is precisely why Citibank and Uralsib agreed on the simplest and most beneficial alternative possible: transferring your servicing to Uralsib.

Yes, you can do this, but only Uralsib has specially prepared an offer for Citibank customers that preserves the interest rate (if it is not lower than 20% per annum) and the credit limit.

Yes, you have the right to refuse. However, exclusively for Citibank clients, Uralsib has prepared an offer that preserves the interest rate (if it is not below 20% per annum) and the credit limit. In addition, the debt owed to Citibank will be automatically refinanced using the credit limit on the card issued by Bank Uralsib. And immediately after receiving the new card, you can continue using the financial instrument you are accustomed to.

To apply for a new card, you will not need to spend time collecting certificates and visiting banks; Uralsib will carry out all the necessary steps remotely, and a courier will deliver the card to a place convenient for you. In addition, if you have outstanding debt and are not ready to switch to servicing with Uralsib, you will need to independently repay it in full within the timeframes specified in the notification from Citibank.

On the part of Citibank, you will receive an official notice of termination of the credit agreement. As part of the transition, you will be issued a new credit card with Bank Uralsib with a similar credit limit amount and an interest rate on purchases equal to your current rate on your Citibank card. If your current rate is less than 20% per annum, then under the new agreement the interest rate on purchases will be 20% per annum.

You will not need to go anywhere to collect your new card, Bank Uralsib Contact Centre staff will contact you in advance to update your details, and the card itself will be delivered to you by courier to a place convenient for you. If there is an outstanding balance on your current card, after Bank Uralsib receives the credit documents signed by you for the new card, the outstanding debt to Citibank will be refinanced. At the same time, the transfer of funds will be free of charge and will be subject to a grace period in accordance with the terms and conditions of the new credit card.

As a large number of clients agree to transfer at once, it will take time to process all applications. 

If you gave your consent at the beginning of the month, you will be contacted within the same month. If the consent was provided later, Bank Uralsib will contact you in the following month.

If you have not yet expressed your willingness to transfer, your task now is to follow the link sent by Citibank in an SMS and email and provide the necessary consents. 

Next, the process will be on the side of the banks. You will receive your new card, and the debt on the Citibank card will be repaid automatically using the credit limit funds on the new Uralsib card.

Until you receive your new Uralsib card, you may use your Citibank card as usual, without any restrictions, and continue making payments to your current card.

Debt refinancing may take place in two stages. 

Stage 1 - immediately after receiving the Uralsib card. 

All transactions not included in Stage 1 of refinancing will be taken into account within 40 days after activation of the Uralsib card and will be included in the refinancing calculation in Stage 2.

Refinancing will be carried out automatically; your participation will not be required. After the Citibank card is fully closed, you may repay the debt only using the Uralsib card.

You can receive the card within a few days after your data is updated with Bank Uralsib. You will receive a call from the courier service to arrange a date and time convenient for you to meet the courier. We recommend arranging the meeting as soon as possible after the call, as together with the card you will be given a package of documents and an application for refinancing your debt to Citibank for signature. Without these documents, Bank Uralsib will not be able to refinance your debt.

The card will be blocked within 5 business days from the moment the card is activated at Bank Uralsib

When updating your data, a representative of Bank Uralsib will уточнит the locality where the card needs to be delivered. If you are located in the territory of the Russian Federation and your location is covered by the geography of the courier service, the courier will deliver the Bank Uralsib card to a place convenient for you.

If you are located outside the country or your current location is not covered by the geography of the courier service, unfortunately, the courier will not be able to deliver the card to you, and you will not be able to sign the required set of documents. In such cases, we recommend that you independently repay your outstanding debt to Citibank within the established сроки.

Together with the Bank Uralsib card, the courier will deliver to you a full set of documents for receiving a credit card, which will also include an application for the transfer of funds in favor of Citibank for the purpose of refinancing your debt. The transfer will be processed automatically as soon as the full set of documents is received by Bank Uralsib. For this reason, we recommend meeting with the courier as soon as possible.

This amount will be transferred to a new credit card opened with Bank Uralsib. The transfer will be made free of charge.

Your own funds from your Citibank credit card will be transferred to your new credit card at Uralsib before the Citibank credit card is closed. This will take place as part of Stage 2 of the refinancing process, i.e. 40 days after Stage 1. The transfer will be made without any fee.

This transfer will be made without a fee, and a grace period will apply to this amount in accordance with the terms of the card you choose. The most advantageous card offered by Bank Uralsib provides for a grace period of up to 120 days. If the grace period terms are not met, interest will be charged on the transfer amount. The interest rate for this transaction will correspond to your current rate on your Citibank card, provided it is not lower than 20% per annum. If the current rate is below this value, the rate will be 20% per annum.

The limit on your credit card with Bank Uralsib will correspond to your limit on the Citibank card or to their total amount if you have several credit cards. Accordingly, the portion that you manage to spend during the transition period will be repaid using the credit limit on the Bank Uralsib credit card.

Your installment plans will be cancelled, and the remaining debt will be included in the total amount of credit debt owed to Citibank.

You can choose any convenient method:

• via the Faster Payments System (SBP);
• if you are already an Uralsib client and have accounts, you can top up your credit card account in your Uralsib Online personal account;
  
• by bank transfer from another bank;
  

If you choose the 120 days to the maximum card, card servicing will be free forever without any additional conditions.

Servicing of the Cashback Credit Card will be free if monthly purchases amount to at least RUB 10 thousand. 

How it works: for example, you received a Cashback Credit Card in January, set its PIN code, and debt refinancing was carried out. The month in which you received the card will be free for you. In February, no fee will be charged either, and at the same time, in February you need to make purchases totaling RUB 10 thousand so that no fee is charged in March. If the free-of-charge condition is not met in February, a fee of RUB 149 will be charged in March.

No, your consent to close the credit card is included in the general list of consents required to transfer to Uralsib.

Once the card is blocked, you will receive an SMS notification from Citibank.

Immediately, as soon as the PIN code is set. Instructions for setting the PIN code will be provided to you separately after you receive the card.

We value our customers’ time, therefore it is not possible to perform such an operation at a branch. All necessary actions will be carried out remotely, and a courier will deliver your card and the full set of documents to a location convenient for you.

The interest-free period for the "120 Days to the Max" credit card is provided for a term of 4 months, where:

The first three months are the period during which you spend funds using the granted credit limit. At the end of each month, a minimum payment will be generated for you, which must be paid by the last business day of the following month. 

The fourth month is the month when you need to repay the entire remaining amount in full. The payment deadline is by the last business day of the month.

The payment amount and due date will always be available to you in your Uralsib Online personal account.

Example: On January 1, you used the "120 Days to the Max" credit card for the first time and paid for a purchase in a store in the amount of RUB 10 000. 

In February and March, you need to make the minimum payment, which will be calculated as 3% of the debt amount; the minimum monthly payment is RUB 300. In April, you need to repay the entire remaining amount in full.

At the same time, the existence of a minimum payment does not mean that the interest-free period does not apply; the amount will go toward restoring the credit limit, and these funds will again be available for your use.Summary: in order for the grace period to remain in effect, it is necessary to pay the minimum payments every month and repay the remaining part of the debt in the fourth month.

Cash can be withdrawn from the "120 Days to the Max" credit card, and a card-to-card transfer can be made without a fee. Please note that the grace period does not apply to such transactions.

At the same time, these transactions do not cancel the grace period: the bank will charge interest only on cash withdrawal transactions, while no interest will be charged on transactions covered by the interest-free period.

You can withdraw money from your credit card at a Bank Uralsib ATM or ATMs of other banks, and the easiest way to make a card-to-card transfer is in your Uralsib Online personal account.

The interest-free period for the 'Credit Card with cashback' is provided for 2 months, where:

The first month is the period during which you spend funds using the provided credit limit. 

In the second month, you need to repay the full amount that you spent in the previous month. 

At the same time, in the second month you may continue using the credit card, and you will need to repay these transactions in the third month, and so on.

The payment amount and due date are always available in your Uralsib Online personal account. 

Example: On January 1, you used the 'Credit Card with cashback' for the first time and paid for a purchase in a store in the amount of RUB 10 000. 

By the last business day of February, you must return this amount to the account in full.

If you are not ready to repay the debt in full, you may make the minimum payment, which will be calculated as 3% of the debt amount; the minimum monthly payment amount is RUB 300. 

Please note that in this case the grace period for lending will be terminated and interest will be charged on the transactions.

Cash can be withdrawn from the "Cashback Credit Card", and card-to-card transfers can be made. Please note that the bank charges a fee for such transactions in accordance with the tariffs and these transactions are not covered by the grace period.

At the same time, these transactions do not cancel the grace period; the bank will accrue interest exclusively on cash withdrawal transactions, while no interest will be accrued on transactions covered by the interest-free period.

You can withdraw money from your credit card at a Bank Uralsib ATM or at ATMs of other banks, and the easiest way to make a card-to-card transfer is in your Uralsib Online personal account.

Uralsib Bonus is a loyalty program for holders of Bank Uralsib credit and debit cards. This program allows you to earn bonus rubles for purchases made with the bank’s cards and exchange them in your personal loyalty account for real money or use them to pay for rail and air tickets and other services for travelers.в.

Bonus rubles are accrued as a percentage of the total monthly spending at the rate of 1 bonus ruble = 1 ₽. 

You can receive up to 3% of your monthly spending in bonus rubles: 

1% for spending from 10,000 ₽ per month on cards linked to Uralsib Bonus. 

+ 

1% for using a credit card (with an outstanding balance of at least 30,000 ₽ for at least one day per month) or for having a personal loan or car loan with an outstanding balance of at least 200 000 ₽ at the beginning of the month 

+ 

1% for having a premium service package ("Private", "Private banking" or "Premium").

All bonus rubles accrued for the previous month are credited to the account in a single payment on the 10th day of each month.

In your personal account in Uralsib Online on the main page, or in your loyalty account.

Access to the loyalty program account is provided in one click from the client personal account Uralsib Online or the online bank https://online.uralsib.ru/login/

In the loyalty personal account, you can view detailed information on compliance with the terms, information on purchase volume and rates in the current and previous month, and much more.

• Log in to your loyalty program personal account and go to the «Travel for Bonuses» section.
  
• Select a ticket, hotel, or car.
  
• Fill in all required fields and select additional services.
  
• Indicate that bonus rubles will be used to pay for the order.

• Complete the payment and order processing.

To pay for the selected service, you can use any bank card, as well as pay up to 100% of the cost of the selected service with bonus rubles.

Bonus ruble exchange rate in the «Travel for Bonuses» section: 1 bonus ruble =1 ₽

The validity period of bonus rubles is 12 months from the accrual date (i.e. bonus rubles that the customer has not used within 12 consecutive months after accrual are canceled).

The balance of bonus rubles in the account is reset in full if there are no transactions on the program participant's bonus account for 6 consecutive months (purchases, accrual or redemption of bonus rubles), or if the overdue amount on any of the bank's credit products exceeds 30 days. The accrual of bonus rubles will be resumed only in the month following the month of full repayment of the overdue debt.

There are three ways to spend bonus rubles:

·        receive cashback in the amount of one of the purchases you have made, that is, compensate for the purchase with bonus rubles,

·        use bonus rubles for partial or full payment of rail and air tickets, hotel booking, or car rental in the section "Travel for Bonuses"

·        exchange bonus rubles for RZHD Bonus points — they can then be used to purchase rail tickets or enhance the comfort of your journey.

In all cases, bonus rubles will be used at the rate of 1 bonus ruble = 1 ₽.

In this case, the grace period on the credit facility will be cancelled, and interest will be charged on the transactions. In addition, penalties will be accrued in accordance with the bank's tariffs.

The minimum payment is calculated as 3% (minimum RUB 300) of the total outstanding debt as of the end of the last business day of each month + accrued interest on transactions not covered by the grace period and/or accrued interest on purchases if the interest-free period conditions were not met.

The grace period does not apply to the following transactions: 

• cash withdrawals and cash withdrawal fees, 

• cashless quasi-cash transactions and fees for quasi-cash transactions, 

• transfers and transfer fees, 

• cashless transfers through remote banking services. 

Accordingly, the grace period applies to: 

• payment for goods and services using the card or its details, 

• payment of bank fees, except for cash withdrawal fees, quasi-cash transactions, and transfers,

• refinancing transactions

There are several options:

1. Repay the full amount owed to the bank in a single payment. This can be done both during the interest-free (grace) period and after it ends. In any case, with this method of debt repayment, interest charges will be minimal.

2. Repayment in arbitrary amounts, but greater than the minimum payment. With this method, it is important to remember that if you do not repay the full amount in full during the grace period, interest will be charged.

3. Repayment by the minimum payment. With this option, interest expenses will be the highest.

• via the Faster Payments System (SBP)

• in your Uralsib Online personal account

• through ATMs with cash acceptance function

• at a bank branch by depositing cash through the bank cashier or by non-cash transfer between accounts opened with Uralsib

• by non-cash transfer from another bank

Yes, the courier carries an electronic power of attorney between the bank and the courier company. The courier can provide this power of attorney to you for review.

No, the card is inactive and no approved limit has been credited to it. The card is activated within 24 hours as soon as the courier transfers your card details to the bank and they are reflected in the system.

After that, you will receive an SMS notification stating that you can set a PIN for the card by calling the Contact Centre at 8-800-250 -57-57 or through your personal account in Uralsib Online.

After the PIN is set, the limit will be credited.

The card itself is handed over in a sealed opaque envelope, and its details are not accessible to the courier.

To get a card, submit an application:

— on the bank's website, in the mobile app or in the Uralsib Online web version. A courier will deliver the card the next day

— at the nearest Uralsib branch. You will receive the card the same day

Yes, with a credit card you can receive cashback of up to 30% from Uralsib partners. What you need to do:

1. Go to the home page of your Uralsib Bonus personal account
2. Find the “Online Partners” section and select a store
   
3. Review the cashback terms. New and existing store customers may have different terms, as well as possible restrictions on the purchase amount and the total cashback payout amount
   
4. Review the Purchase Rules via the link below the “Go to store” button and proceed to the store
   
5. Place your order and pay for the purchase with a Uralsib card
   
6. Purchases from Uralsib partners and preliminary cashback can be viewed in your Uralsib Bonus personal account in the “Transaction History” section under the “Awaiting accrual from partners” tab
   
7. Bonus rubles will be credited immediately after the purchase is confirmed by an Uralsib partner and will appear in your Uralsib Bonus personal account in the “Transaction History” section under the “Completed” tab
   

How to use bonus rubles?

On the main screen of your personal account, go to the “Choose what to spend bonus rubles on” section. There you will find what cashback can be spent on.

Only a passport of a citizen of the Russian Federation is required to submit an application.

Wait for an SMS from the bank asking you to set a PIN code for the card. You can set the PIN code in two ways:

— After registering on the website online.uralsib.ru or in the bank's mobile app, tap your card on the home screen, select "About the card" and tap "Change PIN code"

— Call the toll-free number 8 800 250-57-57 and follow the automated instructions

A credit card with free servicing is a convenient way to get money from the bank when you need it urgently. For using such a credit card, the bank will not charge a servicing fee.

You can use funds from the credit card for any purpose: purchases in stores and online, cash withdrawals, transfers. When you repay the money spent to the bank, the credit limit is restored, and you can use the bank’s funds again.

You can find out which transactions the grace period applies to via the link.

A credit card can be used to pay for goods and services, withdraw cash, transfer money from card to card, and repay the bank later. For this, the bank provides a credit limit — an amount of money on credit. After you repay a certain amount to the bank, you can borrow it from the bank again.

Only a passport of a citizen of the Russian Federation is required to submit an application.

The grace or interest-free period is the time during which the bank does not charge interest on spending made with a credit card. The interest-free period begins with the first cashless debit transaction in the month.

Interest will be charged:

— for cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payment via Faster Payments System (SBP)

List of organizations for transfers to which interest will be charged on the credit card

The interest-free period lasts up to four calendar months:

1. The first three months — you spend money using the card. At the end of each month, make the minimum payment by the last business day of the following calendar month, but not less than 300 rubles
2. The fourth month — you need to repay the entire remaining amount that you spent in the first three months.
   

You can check the payment amount and due date in the mobile app or in the Uralsib Online web version.

We recommend reviewing the list of transactions covered by the interest-free period.

Example of using a credit card:

January 1

You used your credit card for the first time and paid 10 000 rubles for plane tickets.

February and March

Make minimum payments — 3% of the outstanding amount, but not less than 300 rubles.

April

Repay the entire remaining amount.

Your payments are returned to the credit limit, and you can use this money again.

A credit card can be used to pay for goods and services, withdraw cash, transfer money from card to card, and repay the bank later. For this purpose, the bank provides a credit limit — an amount of money borrowed on credit. After you repay a certain amount to the bank, you can borrow it from the bank again.

If you choose courier delivery, your card will be delivered to a location convenient for you. The courier service will contact you to confirm the address and a convenient time for card delivery.

To pay for tickets and accommodation

Rail and air tickets, restaurants, excursions, and other travel expenses. 

For unexpected expenses

For example, unplanned spending on souvenirs or medicines.

For anything

Pay for anything you want with a credit card and receive cashback on goods and services from the bank's partners.

To get a card, submit an application:

— on the bank's website, in the mobile app or in the Uralsib Online web version. A courier will deliver the card the next day

— at the nearest Uralsib office. You will receive the card the same day

Only a passport of a citizen of the Russian Federation is required to submit an application.

The grace or interest-free period is the time during which the bank does not charge interest on spending made with a credit card. The interest-free period starts from the first cashless debit transaction in the month.

Interest will be charged for:

— cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payments via Faster Payments System (SBP)

List of organizations for transfers to which interest will be charged on the credit card

Use your credit card and the Faster Payments System (SBP) to pay for goods and services, withdraw cash, and transfer money from card to card. The bank provides a credit limit — an amount of money on credit. After you repay a certain amount to the bank, you can borrow it again from the bank and use the credit funds. 

The grace or interest-free period is the time during which The bank does not charge interest on spending made with a credit card. The interest-free period starts from the first cashless debit transaction in the month. Interest will be charged for:

— cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payments via the Faster Payments System (SBP)

List of organizations for transfers to which interest will be charged on the credit card

The interest-free period lasts up to four calendar months:

1. The first three months — you pay for purchases with the card. At the end of each month, make the minimum payment by the last business day of the following calendar month, but not less than 300 rubles
2. The fourth month — you need to repay the entire remaining debt amount that you spent in the first three months.
   

You can view the payment amount and due date in the mobile app or in the Uralsib Online web version.

We recommend reviewing the list of transactions covered by the interest-free period.

Example of using a credit card:

January 1

You used the credit card for the first time and paid 10 000 rubles for plane tickets.

February and March

Make minimum payments — 3% of the debt amount, but not less than 300 rubles.

April

Repay the entire remaining amount.

Your payments are restored to the credit limit, and you can use these funds again.

You can top up your credit card in several ways:

— Transfer money to the credit card account via the mobile app or in the Uralsib Online web version

— Deposit money via ATMs with cash acceptance functionality

— At a Uralsib branch in cash via the cashier or by cashless transfer between accounts with Uralsib

— By cashless transfer from another bank

— By transfer via the Faster Payments System (SBP)

— In a single payment. This can be done both during the interest-free period and after it. Interest will be minimal

— In installments larger than the minimum payment. It is best to repay the full amount during the grace period. Once it ends, interest will start to accrue

— With minimum payments. In this case, the interest will be the highest

If there is no debt on the credit card, you do not need to pay anything.

To submit an application, only the original passport of a citizen of the Russian Federation is required.

To get a card, submit an application:

— on the bank's website, in the mobile app or in the Uralsib Online web version. A courier will deliver the card the next day

— at the nearest Uralsib branch. You will receive the card the same day

1. Go to the homepage of your Uralsib Bonus personal account
2. Find the “Online Partners” section and select a store
   
3. Review the cashback terms. New and existing store customers may have different terms: possible restrictions on the purchase amount and the total cashback payout amount
   
4. Review the Purchase Rules using the link below the “Go to store” button and proceed to the store
   
5. Place an order and pay for the purchase with a Uralsib card
   
6. Purchases from Uralsib partners and preliminary cashback can be viewed in your Uralsib Bonus personal account in the “Transaction History” section under the “Waiting for partner accrual” tab
   
7. Bonus rubles will be credited immediately after the purchase is confirmed by an Uralsib partner and will be displayed in your Uralsib Bonus personal account in the “Transaction History” section under the “Completed” tab
   

How can bonus rubles be used?

On the main screen of your personal account, go to the “Choose what to spend bonus rubles on” section. There you will find how cashback can be spent.

When the decision on your application is ready, we will send you an SMS, an email, or call you by phone.

The grace or interest-free period is the time during which The bank does not charge interest on spending made with a credit card. The interest-free period begins with the first cashless debit transaction of the month.

Interest will be charged for:

— cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payments via Faster Payments System (SBP)

List of organizations for transfers to which interest will be charged on the credit card

1. You make purchases over the course of three months
2. Each month, you make a payment equal to 3% of your debt — the bank will calculate this amount automatically. The minimum payment is 300 rubles, and it must be paid by the last business day of the following month
   
3. By the last business day of the fourth month, you repay the entire remaining debt amount without interest
   

If you are unable to pay the remaining debt amount and make the minimum payment, the grace period will end. Interest will accrue only from the fifth month.

Yes, you can withdraw cash from a credit card without a fee or transfer money to another card. The interest-free period does not apply to these transactions: interest will be charged for the use of credit funds.

No interest will be charged on the purchase of goods, services, and other preferential transactions.

You can withdraw money from a credit card at Uralsib ATMs and at other banks' ATMs.

You can top up your credit card in several ways:

— Transfer money to your credit card account via the mobile app or in the Uralsib Online web version

— Deposit money through ATMs with cash acceptance function

— At an Uralsib branch in cash via the teller or by bank transfer between accounts at Uralsib

— By bank transfer from another bank

— By transfer via the Faster Payments System (SBP)

The grace period is the time during which the bank does not charge interest on credit card purchases. This period does not apply to certain transactions, such as cash withdrawals, transfers, and quasi-cash transactions. This list also includes several exceptions when paying for purchases via QR code through the Faster Payments System (SBP).

The grace period is activated upon the first cashless purchase in a month if it meets the required conditions. The duration of the period depends on the card type. For the "120 days to the max" credit card, it lasts up to four months.

To do this, follow a few simple steps:

1. Log in to your Uralsib Bonus personal account

On the main page, select the “Online partners” section.

2. Choose a store from the list of partners

Go to the selected store’s page to read more detailed information about it.

3. Review the cashback terms 

Please note that cashback rates for new and existing customers may differ, and there may be restrictions on the minimum or maximum purchase amount.

4. Go to the store via the link in your personal account 

Click the “Go to store” button on the page that opens. Before doing so, review the Purchase Rules posted below the button.

5. Make a purchase 

Place your order and pay for it with a Bank Uralsib card.

6. Track your bonuses

The preliminary reward will appear in the “Transaction history” section under the “Pending accrual from partners” tab in your personal account.

7. Receive cashback 

Bonus rubles will be credited immediately after the partner confirms the purchase. They will appear in the “Transaction history” section under the “Completed” tab.

A credit card provides access to a credit limit. This is the maximum amount the bank is prepared to provide you as a loan. These funds can be used to pay for goods and services, including purchases via QR code through the Faster Payments System (SBP), cash withdrawals, as well as card-to-card money transfers.

The main feature of a credit limit is its revolving nature. This means that after repaying part of the debt, you will again be able to use the same amount.

Any citizen of Russia aged 18 to 75 can apply for a credit card.

The conditions for obtaining the card include permanent registration in Russia, at least 3 months of employment at the current place of work, and a steady income. 

Only a passport of a citizen of Russia is required to submit an application. It can be completed on the bank's official website.

After using borrowed funds, carefully monitor timely debt repayment. You can make a payment:

1. In a single payment 

You will have the option to repay the debt in full. This can be done during the grace period and after it ends. In this case, interest charges will be minimal.

2. In installments exceeding the minimum payment 

You can make payments in amounts greater than the minimum payment. However, if you do not manage to repay the entire debt during the grace period, interest will be charged on the outstanding balance.

3. By minimum payment 

This is a convenient option if you cannot pay the full outstanding amount. If you use it regularly, the debt repayment process will proceed more slowly.

Yes, your limit will be retained without certificates or reviews. You will be able to verify this when signing the documents.

Yes, when reissuing, you can choose a card different from the one you currently have. You can choose the 120 Days to the Max credit card or the Cashback credit card.

A credit card can only be reissued at a Uralsib office.

This option is not available. The re-registration documents require the account holder’s and agreement holder’s original signature.

When visiting a branch, please bring your passport of a citizen of the Russian Federation. No other supporting documents will be required.

At Uralsib, you can receive up to 30% cashback. To do this, you need to make purchases from the bank's partners. To do this, follow a few simple steps:

1. Go to the “Online Partners” section

Open your Uralsib Bonus personal account and select the “Online Partners” section on the home page.

2. Choose a store

In the selected section, find the store you need and open its card to learn the cashback terms.

3. Review the terms

Review the reward terms. Please note the cashback rates for new and existing customers, as well as possible restrictions.

4. Go to the store's website

First, review the purchase rules. After that, click the “Go to store” button in the open card.

5. Make a purchase

Place an order on the store's website and pay for it with a Uralsib credit card.

6. Track cashback status

Your purchases and the approximate reward amount will be displayed in the “Transaction History” section under the “Pending accrual from partners” tab.

7. Receive bonuses

You will receive bonus rubles immediately after the partner confirms the purchase. They will appear in the “Transaction History” section under the “Completed” tab.

You will receive an SMS notification and an email with the decision almost immediately after your application is reviewed. In some cases, a Bank Uralsib employee may also contact you by phone.

Yes, you can withdraw cash from any ATMs. However, it is important to understand that in such cases the grace period works differently. It does not apply to cash withdrawals. This means that you will have to repay the money to the bank with interest. At the same time, these conditions will not apply to other purchases.

You can get a card online through your personal account, mobile app, or the Uralsib Online web version. A courier will deliver the physical card as early as the next day. You can also order a digital credit card in Uralsib Online. It will be available immediately after your application is approved and the documents are signed. 

If you do not want to submit an application online, visit the nearest bank branch. The staff will issue the card on the day of your visit.

Credit and debit cards have several features in common: they can be used to pay for any purchases, transfer money, and withdraw cash.

At the same time, a debit card allows you to use only your own funds from the account. A credit card provides access to borrowed funds. You can spend them at any time and repay the bank within the grace period to avoid paying interest. 

Unlike a debit card, a credit card is not suitable for receiving salary payments and cannot be linked to loan or mortgage accounts.

Visually, the cards differ not only in design but also in the markings on the front side: debit cards usually say DEBIT, while credit cards say CREDIT.

You can submit an application and receive the card in several ways. The most convenient way is to do it online. To do this, fill out an application on the bank's website.

You can also apply for a card in the mobile app or the Uralsib Online web version. A courier will deliver the card as early as the next day.

The courier can deliver the card to any address convenient for you, including your home address. Before that, they will contact you to confirm the details and arrange a convenient time and place for receiving the card.

Any citizen of the Russian Federation with a certain income can apply for it. Here are a few more requirements:

• Age: from 18 to 75 years old;
• Employment history: at least 3 months at the current place of work;
  
• Registration: permanent registration in Russia.
  

Only a Russian passport is required to submit an application.

The card is delivered in a sealed opaque envelope, and the courier does not have access to its details. At this point, the card is inactive. 

After the courier reports successful delivery and the bank fully verifies the submitted documents, you will receive an SMS confirming that the card is ready for activation. You can set the PIN code in your Uralsib Online personal account or through the Contact Centre at 8-800-250-57-57.

The courier will not be able to use the card, including because no spending limit has been set on it. It is applied only after the PIN code is set.

Never disclose your PIN to anyone. Otherwise, unauthorized persons may gain access to the funds on your card, which may result in their loss.

Follow a few simple rules to keep your money safe:

1. Do not disclose your PIN, the three-digit security code (CVV code), or codes from SMS messages to third parties;
   
2. Pay for purchases online only on trusted websites and always check the page address;
3. Keep your PIN separate from your card;
4. Make sure no one can see your PIN when you enter it;
5. If you lose your card, call the bank immediately at 8-800-250-57-57  and block it;
6. Activate the "Notification Service" to monitor all card transactions;
7. Take out the "Card Protection" policy for additional protection.

Please remember that you are responsible for keeping your card details secure. Following these rules will help keep your funds safe.

This is a period (at least 4 or 48 hours) after receiving a credit card when the credit limit is not yet available. This period is needed so that you can decline the card if you realize that you have fallen under the influence of fraudsters or learned that they have taken out a loan in your name. Learn more about Federal Law No. 9-FZ dated February 13, 2025

How long does the period last?
At least 4 or 48 hours after concluding the credit agreement.

What determines the period length

The cooling-off period depends on the card's credit limit:

• up to 50,000 rubles — there is no cooling-off period;
• from 50,000 to 200,000 rubles — at least 4 hours;
  
• more than 200,000 rubles — at least 48 hours.
  

You can close a credit card via:

• Support chat in the app or in the Uralsib Online web version;
• Support phone: 8 (800) 250-57-57;
  
• The bank's office.
  

Nothing will happen. You will not be able to use the card until the cooling-off period ends and the bank sets the credit limit.

After the cooling-off period ends, a credit limit will be set for you. You can check it in the app or the Uralsib Online web version.

Immediately write in the Uralsib Online chat, call support at 8 (800) 250-57-57, or contact the bank office.

Any citizen of Russia with permanent registration in the territory of the Russian Federation aged 20 to 75 can apply for a credit card.
 

It is important that employment at the most recent place of work is at least 3 months. 

Both employed and unemployed pensioners can apply for a card. If you are not employed, pension payments will be considered as income.

Only a passport is required to submit an application.

A credit card gives access to a credit limit.

A credit limit is the amount within which the bank is ready to provide you with credit. The credit limit is provided for paying for goods or services, cash withdrawals, and card-to-card transfers.

The credit limit is revolving. This means that after you repay some amount to the bank, you can borrow it again from the bank.

Wait for an SMS from Uralsib about the need to set a PIN code for your card.

You can set a PIN code in two ways:

— After registering at online.uralsib.ru or in the bank's mobile app, tap your card on the home screen, select the “About the card” menu item and tap “Change PIN code”

— Call the bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu prompts

— A courier will deliver your card as early as the next day after you submit your application — on the Uralsib website, in the personal account of the mobile app, or in the Uralsib Online web version. If you applied for a card in your Uralsib Online personal account, you will immediately receive a digital credit card. You will be able to use it to pay for online orders and regular purchases via QR code or MirPay on your Android phone.

— At the nearest Uralsib branch, you can receive your card on the day of application.

You can get money back for a purchase in the amount from ₽1,500 to ₽50,000 for the previous calendar month. Only the full transaction amount can be reimbursed; partial reimbursement is not available.

1.    Go to the "Purchase Reimbursement" section, which displays the full list of purchases eligible for reimbursement. Purchases marked in grey cannot be reimbursed — the reason is indicated in grey font.

2. In the filter, select "Available for reimbursement".

3. Click the green icon in the row of the selected purchase.

4. Confirm the purchase reimbursement.

5. The money in the amount of the transaction will be credited to the card account on the next business day.

Before redemption, make sure you have an active card in rubles, connected to the Uralsib Bonus program — according to the program Rules, the funds can only be credited to a card account in rubles. If only your foreign currency cards are connected to the program, the redemption transaction will not go through and the bonus rubles will be returned to your bonus account.

More detailed information about our bonus program can be found here.

In the mobile app or Uralsib Online, on the home screen there is a button labeled: “Uralsib Bonus” and the Bonus Rubles balance (by clicking it, you will go to your personal account in Uralsib Bonus)

In your personal account, you will be able to view the accumulated bonus rubles, the latest credits to the bonus account, transaction history, compensate purchases, exchange bonus rubles for travel bonuses or for RZD points, as well as make a purchase with cashback of up to 30% in the stores and services presented in the “Online Partners” section.

The grace period applies to payment for goods and services using the card and its details. The client can also pay for them via QR code using the Faster Payments System (SBP). This method has exceptions.  

The interest-free period also applies to payment of the bank's fees, except for the following transactions: cash withdrawals, transfers, cashless quasi-cash transactions, and transfers via remote banking services.

The grace period lasts two months and operates according to a specific principle. During the first month, you can make purchases and spend funds within the provided credit limit. In the second month, you need to fully repay the amount spent earlier. At the same time, you can continue using the card and making new purchases. They will need to be paid for in the following month.

All information about payment amounts and deadlines is available in the personal account of the mobile app or in the Uralsib Online web version.

If you cannot pay the full amount at once, make minimum payments. They amount to 3% of the debt, but not less than 300 rubles. However, in this case the grace period will end, and interest will be charged on the remaining debt.

We also recommend reviewing the list of transactions covered by the interest-free period.

You can apply for a credit card by filling out the form on the bank's official website or through your Uralsib Online personal account. You can also receive the card at any Uralsib branch. In this case, do not forget to bring your passport with you.

At Uralsib, you can receive up to 30% cashback. To do this, you need to make purchases from the bank's partners. To do so, follow a few simple steps

1. Go to the "Online Partners" section

Open your Uralsib Bonus personal account and select the "Online Partners" section on the home page.

2. Choose a store

In the selected section, find the desired store and open its card to review the cashback terms.

3. Review the terms

Review the reward terms. Please note the cashback rates for new and existing customers, as well as any possible restrictions.

4. Go to the store's website

First, review the purchase rules. After that, click the "Go to store" button in the opened card. 

5. Make a purchase

Place an order on the store's website and pay for it with a Uralsib credit card.

6. Track cashback status

Your purchases and the estimated reward amount will be displayed in the "Transaction History" section under the "Pending accrual from partners" tab.

7. Receive bonuses

You will receive bonus rubles immediately after the partner confirms the purchase. They will appear in the "Transaction History" section under the "Completed" tab.

Yes, you can withdraw cash from any ATMs. However, it is important to understand that in such cases the grace period works differently. It does not apply to cash withdrawals. This means that you will have to repay the bank with interest. At the same time, these conditions will not apply to other purchases.

You will receive an SMS notification and an email to your email address with the decision almost immediately after your application is reviewed. In some cases, a Bank Uralsib employee may also contact you by phone.

Credit and debit cards have several features in common: they can be used to pay for any purchases, transfer money, and withdraw cash.

At the same time, a debit card allows you to use only your own funds from the account. A credit card provides access to borrowed funds. You can spend them at any time and repay the bank within the grace period so as not to pay interest. 

Unlike a debit card, a credit card is not suitable for receiving salary payments and cannot be linked to loan or mortgage accounts.

Visually, the cards differ not only in design, but also in the markings on the front side: debit cards usually say DEBIT, while credit cards say CREDIT.

You can get a card online via your personal account, mobile app, or the Uralsib Online web version. A courier will deliver the physical card as early as the next day. You can also order a digital credit card in Uralsib Online. It will be available immediately after your application is approved and the documents are signed. 

If you do not want to apply online, visit the nearest bank branch. The staff will issue the card on the day of your visit.