General questions

The easiest way is to log in to your personal account in Uralsib Online via the mobile app or the bank's website.

You can also find out about a personal offer by calling the 8 800 250-57-57 Contact Centre or by visiting a bank branch.

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

Length of service at the most recent place of employment is also important: at least 3 months inclusive, and income of at least RUB 10,000 for Moscow and RUB 7,000 for other regions. 

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

A personal loan and a credit card are similar in that the bank approves a certain amount for the customer, which they can spend, for example, on purchases.  

The main advantage of a credit card is the interest-free (grace) period, during which you can use the bank's money within the credit limit and pay no interest on it. For a personal loan, interest accrues from the first day the funds are used.  

Another difference is that, for a credit card, payments made restore the credit limit, and these funds become available for use again. For a personal loan, payments only reduce the amount of debt, and the loan agreement has a limited term.

To close a credit card, it is not enough to simply block the plastic card. To do this, you need to visit the nearest bank branch and submit an application to close the credit agreement. After that, the credit limit will be reset to zero, and the card will need to be returned to the bank. At the same time, you will need to fully repay the outstanding debt amount together with interest, if it has been accrued. 

You can always check the full outstanding debt amount in the personal account of the mobile app or the web version of Uralsib Online.

The credit card account will be closed 45 days after submitting the application for termination of the credit agreement. After this period expires, you can request a certificate of loan closure from the bank.

You should think about the quality of your credit history before you plan to apply for a large loan, for example, a mortgage. You can improve your credit history in the following ways: 

1. Take out a small personal loan and repay it without delays. This will prove your solvency. 
2. Get a credit card and use it to pay as often as possible to improve your credit score. The main thing is not to forget to make payments on time. 
3. Take out a microloan and repay it. With this option, it is necessary to choose the MFO carefully: the company must be included in the MFO register of the Bank of Russia. 
4. If you have some spare money, open a deposit with the bank where you plan to borrow in the future. This will improve your reputation 

To choose the most beneficial credit card, you need to decide what you need it for. For some customers, it is important to receive bonuses for purchases, while for others, cash withdrawal is important. 

Bank Uralsib offers its customers a selection of cards to meet any needs: 

•  “120 Days to the Max” is a card for those who value freedom. It allows you to withdraw cash free of charge and transfer money from the card. And the grace period of up to 120 days provides independence when planning everyday expenses. View terms and conditions.
• “Credit Card with cashback” is a card for those who value benefits. It allows you to get back 1% of purchases in bonus rubles and up to 30% for purchases from the bank's partners. The rate under the loyalty program depends only on you. View terms and conditions.

Whichever credit card you choose, you can apply for and order it: 

1. On the bank's website or in your personal account in Uralsib Online. A courier will deliver your card as early as the next day. 
2. At the nearest bank branch you can receive the card on the day of application. 

Credit history is the most important factor when making a decision on granting a loan. 

Credit history is a record that contains all of the Borrower's credit operations: which banks issued loans or credit cards, the amount of debt, and whether the client pays their obligations on time. The history is stored in special organizations — credit history bureaus (BKI).  

Through the Gosuslugi portal, you can view the list of organizations that store the history of your borrowings, and this list can be viewed online free of charge. You can also use this report to check whether any loans have been issued in your name. 

To find out your credit history, you need to: 

1. Verify your Gosuslugi portal account 
2. Submit an application for the electronic service 
3. Wait until the list of organizations appears in your personal account. There will be a table with the addresses, names, and phone numbers of the bureaus. 

No, the free service period for the Notification Service is provided once at the start of the service. 

Yes, you can apply for a credit card.  

You can review the requirements via the link.

1.  On the main page of the Uralsib Bonus personal account, select the “Online Partners” section.

2. In the “Online Partners” section, select a store and open the partner’s profile to review the terms and conditions.

3. Carefully review the terms and conditions for receiving the reward. Different cashback rates may apply for new and existing store customers, and restrictions may also be established, for example, on the minimum / maximum purchase amount or on the total reward payout amount.

4. Go to the store using the link from the store profile by clicking the “Go to store” button. Please review the Rules for making purchases via the link posted below the “Go to store” button in advance.

5. Place an order and pay for the purchase with any card issued by Bank Uralsib.

6. Purchases made from the bank’s partners and the preliminarily calculated reward will be displayed in the Uralsib Bonus personal account in the “Transaction History” section under the “Awaiting accrual from partners” tab.   

7. Additional bonus rubles will be credited immediately after receipt of the purchase confirmation from the partner  and will be displayed in the Uralsib Bonus personal account in the “Transaction History” section under the “Completed” tab.

How can bonus rubles be used?

Several options are available on the main screen of the personal account in the “Choose what to spend bonus rubles on” section.

On the main screen of the personal account, in the section “Choose what to spend bonus rubles on,” several options are available.

Purchase compensation.

You can get a refund for a purchase in the amount of 1,500 to 50,000 ₽ for the previous calendar month. Only the full amount of the transaction can be compensated; partial compensation is not available.

1.    Go to the “Purchase Compensation” section, which displays the full list of purchases that meet the compensation terms. Purchases marked in gray cannot be compensated – the reason is indicated in gray font.

2. In the filter, select “Available for compensation”.

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

4. Confirm the purchase compensation.

5. The amount of the transaction will be credited to the card account on the next business day. 1 bonus ruble = 1 ₽

Travel.

Use bonus rubles for full or partial payment of rail and air tickets, hotel booking, or car rental.

1. Go to the “Travel” section.

2. Select a ticket, hotel, or rental car.

3. Fill in all required fields.

4. At the payment stage, indicate that you want to use bonus rubles, (by selecting the checkbox).

5. Complete the payment and place the order. 1 bonus ruble = 1 ₽

 Exchange for “RZHD Bonus” points.

Transfer bonus rubles into “RZHD Bonus” points – they can then be used for the purchase of rail tickets or to improve the comfort of your journey.

To do this, you need to:

1. In the loyalty personal account, go to the “Partner Bonuses” section.

2. Specify the “RZHD Bonus” account number. Bonus rubles can be transferred both to your own account and to the account of your relative or friend.

3. Enter the amount of bonus rubles for exchange (minimum 150 bonus rubles; the amount of bonus rubles must be a multiple of 1.5, for example: 150, 225, 300).

Exchange rate: 1.5 bonus rubles = 1 “RZHD Bonus” point.

4. Confirm the transaction

The points will be credited to the “RZHD Bonus” account within 10 business days

The similarity between a credit card and a debit card is that they can be used to pay for purchases, including online in online stores, make card-to-card transfers, between your own accounts and beyond, and withdraw cash.  

A credit card differs from a debit card in that it allows you to use the bank’s money, while a debit card allows you to use only your own funds. In addition, a credit card has an interest-free (grace) period during which you use the bank’s money and do not pay interest for it. 

At the same time, a credit card cannot be used as a payroll card and, unlike a debit card, cannot be linked to a loan or mortgage account as a more convenient way to repay the loan. 

Visually, plastic cards differ not only in design, but also in the words DEBIT and CREDIT printed on the front side, respectively.

A credit card is a modern financial instrument for carrying out transactions, settlements for which are made using funds provided by the bank to the client within the credit limit. 

A credit card is especially convenient if you urgently need money: you can use the funds on the card at your discretion, for example, to pay for purchases in a store, including online, withdraw cash, or make transfers; at the same time, by repaying your debt, you restore the credit limit, and the funds will again be available to you for further transactions. 

You can ознакомиться with the list of transactions covered by the interest-free (grace) period by following the link.

A credit card provides 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 to pay for goods or services, withdraw cash, as well as make card-to-card money transfers. 

The credit limit is revolving — this means that after you have repaid some amount to the bank, you can borrow it from the bank again.