Credit card without visiting the bank

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.

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.

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.