You will receive an unnamed instant card with delivery to a location convenient for you. It will be the same card as a named card, only without your name on it.

A named card can be issued at a Uralsib branch. Find the nearest branch

Wait for an SMS from The bank informing you that you 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, then select the “About the card” menu item, and then tap “Change PIN code”. 
• Alternatively, call The bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu prompts.
  

To submit an application, a passport of a citizen of the Russian Federation is sufficient.

The card can be ordered with free courier delivery to a place convenient for you. To do this, fill out the card application and select the delivery address. 

If you want to receive the card at the office, you can come to the Uralsib office and fill out the application on site. Find the nearest office

The interest-free period for the "Premium banking" 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 provided credit limit. At the same time, 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 amount and due date of the payment are always available to you in the personal account of the mobile application or in the web version of Uralsib Online.

Example: On January 1, you used the "Premium banking" Credit Card for the first time and paid for a purchase in a store in the amount of RUB 150 000.

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

At the same time, the presence 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 to you for use.

We also recommend reviewing the list of transactions to which the interest-free period does not apply. Summary: in order for the grace period to continue to apply, it is necessary to pay the minimum payments monthly and in the fourth month to pay the remaining part of the debt.

The interest-free grace period or promotional financing period (from the English grace period) is the period during which the bank does not charge interest on card purchases. The grace period does not apply to debt arising from transactions such as cash withdrawals from a card or account, transfers, and quasi-cash transactions.

The interest-free period starts with the first non-cash debit transaction of the month, which is subject to the terms and conditions of the interest-free period, and its duration depends on the type of card:

for the Cashback Credit Card - up to 62 days

for the credit cards “120 Days to the Maximum” and “Premium banking” - up to 120 days.

• In your personal account in the mobile app or web version of Uralsib Online
• via ATMs with cash acceptance function
• at a branch of the bank by depositing cash via the bank cashier or by cashless transfer between accounts opened with Uralsib
• by cashless transfer from another bank

You can transfer funds from a credit card in several ways:

1. from card to card — this is the simplest and most cost-effective option, as you only need to know the recipient's card number, and no fee is charged for this type of transfer.
2. from the credit card account to any other account, by entering the full recipient account details (recipient bank BIC, recipient account number, correspondent account, etc.). With this transfer method, a fee will be charged in accordance with the bank's tariffs & fees.

How to transfer money:

• in your personal account in Uralsib Online (both options are available)
• on the bank's website (only card-to-card transfers are available)
• at the nearest bank branch (only transfers from the credit card account to another account are available)

When there is no credit card debt, there is no need to deposit money into the account. If credit debt arises, you need to choose the payment option that is best for you.

There are several options:

1. Repay the debt to the bank in full with 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 higher 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.

Learn about the methods of depositing money into a credit card account

Debt repayment for agreements concluded from October 18, 2021 is carried out in the following order:

- for payment of interest for the use of credit on the principal amount, including technical debt, if any;

- for payment of principal debt – first incurred through purchases, then cash withdrawals, transfers and quasi-cash transactions;

- for payment of late payment penalties, if any.

Example: Suppose on January 1, you withdrew funds via an ATM from a credit card in the amount of RUB 10,000, and on January 20 you paid for a purchase in a store for a total amount of RUB 5,000 

When funds are credited to the card, interest on the cash withdrawal will be debited first. From the remaining amount, the debt for the store purchase will be repaid. The debt for the cash withdrawal at the ATM will be repaid last.

Advice: There are transactions to which the interest-free credit period does not apply. If you want to minimize the costs of accrued interest, we recommend not delaying the repayment of debt for such transactions.

List of transactions to which the interest-free period applies.

In this case, the grace period for crediting will be cancelled, and interest will be charged on the transactions. Also, in accordance with the bank's tariffs & fees, penalties will be accrued. You can find out more in the Tariffs & fees section.

The grace period for lending does not apply to:  

• cash withdrawals and cash withdrawal fees 
  
• card transfers and transfer fees
  
• cashless quasi-cash transactions and fees for them
• purchase payment transactions according to the list
• cashless transfers via remote banking services.
  

Accordingly, the grace period for lending applies to:  

• payment for goods and services using the card or its details, except for the exclusion list.
• payment of bank fees, except for cash withdrawal, quasi-cash transaction, and transfer fees.
  

The minimum payment is calculated as 3% of the total amount of debt as of the end of the last business day of each month + accrued interest on transactions that are not covered by the grace period for lending and/or accrued interest on purchases if the conditions of the interest-free period were not met.

You will not have to calculate the amount of the required payment on the credit card every month yourself, the bank will do this independently. You can find out the amount and the payment due date in the personal account of the mobile app or the web version of Uralsib Online.

You can withdraw cash from the Premium Credit Card and make a card-to-card transfer without a fee. Please note that these transactions are not covered by the grace period.

At the same time, these transactions do not cancel the grace period; the bank will charge interest exclusively on fund 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 ATM of Bank Uralsib or other banks.

A credit card is a form of credit, but instead of a standard payment schedule, a credit card has a mandatory minimum payment, the amount of which depends on the outstanding debt and the presence or absence of interest on completed transactions.

The amount of the minimum payment and the due date for its repayment can always be viewed in the personal account of the mobile app or the web version of Uralsib Online.

We could answer this question briefly: you must never tell anyone your PIN code.

However, we would like to tell you in more detail about the security rules for using bank cards.

Bank Uralsib constantly stands guard and has been successfully ensuring the banking security of its clients for several decades. On the client's side, simple rules must also be observed, which will help protect your money:

1. There are card details that should not be shared with third parties. These include: the PIN code, CVV code (the three digits on the back of the card), and codes from messages from the bank. The loss of this data and it falling into the hands of fraudsters may lead to the loss of money.

2. When making purchases online, pay only on trusted websites and always check the website address in the address bar.

3. Do not give your card to third parties, including a sales assistant in a store or a waiter in a restaurant.

4. A bank card should be kept separately from the PIN code, and you should not write it down on the card itself.

5. Enter the PIN code in such a way that no one can see it (cover the ATM and POS terminal keypad with your hand).

6. In the event of the loss of your card, immediately call the bank at 8-800-250-57-57 to block your card in order to prevent unauthorized transactions.

7. Monitor your card spending through the "Notification Service" service.

8. For additional protection, we recommend purchasing the "Card Protection" policy. Detailed information about insurance can be obtained by calling the Contact Centre at 8-800-250-57-57 or at the nearest branch of the bank.

Please remember that the responsibility for keeping your card data safe lies with the cardholder.

All URALSIB cards are connected to 3-D Secure technology. This is a special protocol developed to reduce the risk of unauthorized transactions on the Internet, which is based on cardholder identification technology when making payment transactions via the Internet and is aimed at improving the security of such payments through the entry of a secret password.

But, unfortunately, not all websites support payments using 3-D Secure technology, so when making a purchase / payment on the Internet, it is especially important to remember the following points:

• Pay for purchases only in online stores that are trustworthy and have established a good reputation. Do not risk the security of your card for the sake of a transaction on questionable websites.
• When actively using a card to pay on websites, it is important to remember the security of the computer itself from which the payment is made. Make sure that your computer is not infected with any viruses. Use antivirus software and try to update it regularly. Do not make online payments using shared-access computers (internet cafes, etc.).

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. At the same time, you will need to repay in full the amount owed together with interest, if it has been accrued.

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

The credit card account will be closed 40 days after you submit the application to terminate the credit agreement. After this period, you can request from the bank a certificate confirming that the loan has been closed.

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, 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 only allows you to use your own funds. A credit card also 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, it cannot be linked to a loan or mortgage account as a more convenient way to pay for the loan.

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

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 choice of cards that will satisfy any needs:

1. "120 Days to the Max" credit card, this is a card for those who value freedom. It allows you to withdraw cash free of charge and transfer money from the card. And a grace period of up to 120 days will provide independence when planning daily expenses. See the terms.
2. "Cashback" credit card, this 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. See the terms.
   
3. "Premium" credit card is suitable for customers who are used to getting the very best: a long grace period of up to 120 days, free cash withdrawals and card transfers, as well as cashback from the MIR payment system - 5% under the "Privet MIR" loyalty program and up to 30% from the payment system's partners.
   

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 availability of an interest-free (grace) credit period, during which you can use the bank's funds within the credit limit and not pay interest for it. For a personal loan, interest accrues from the first day of using the funds.

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

It is worth thinking 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 way you will prove your creditworthiness.
2. Apply for a credit card and pay with it as often as possible to increase your credit rating. 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 carefully choose an MFO: the company must be included in the register of MFOs of the Bank of Russia.
4. If you have a little free money, open a deposit with the bank where you plan to borrow in the future. This will improve your reputation.

A credit card gives access to a credit limit.

The credit limit is the amount within which the bank is prepared to provide you with credit. The credit limit is provided for the payment of goods or services, cash withdrawal, as well as money transfers from card to card.

The credit limit is revolving — this means that after you have repaid the bank a certain amount, it can again be borrowed from the bank on credit.

Yes, you can submit an application for a credit card.

You can review the requirements via the link.

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

Credit history is a record in which all operations related to the borrower's loans are entered: which banks issued loans or credit cards, what the amount of debt is, and whether the client pays their obligations on time. The history is stored in special organizations — credit history bureaus (CHBs).

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

In order to find out your credit history, you need to:

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

Any citizen of Russia with permanent registration in the territory of the Russian Federation aged 20 to 67 can apply for a credit card. And if you have an offer from the bank, then the age range is from 20 to 75 years.

Work experience at the most recent place of employment is also important — at least 3 months, as well as income.

To apply, a passport of a citizen of the Russian Federation is sufficient.

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: the funds available on the card you may use at your discretion, for example, to pay for purchases in a store, including online, withdraw cash or make transfers, while, by repaying your debt, you replenish the credit limit, and funds will once 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.

The most frequently asked questions are collected on the MIR payment system website in the Frequently Asked Questions section, or you can ask your question by calling the National Card Payment System (NSPK) MIR hotline at 8 800 100-54-64