A credit card is a modern financial instrument for carrying out transactions, settlements for which are made at the expense of 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 on the card can be used 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 your 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 via the link.

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 funds, while a debit card allows you to use only your own funds. In addition, a credit card has an interest-free (grace) period when you use the bank's funds 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 for a more convenient way to pay off the loan.

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

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) period, during which you can use the bank's money within the credit limit and not pay any 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 this money becomes available again for use. For a personal loan, payments only reduce the amount of debt, and the credit agreement has a fixed term.

To choose the most suitable credit card, you need to determine what you need it for. For some clients, it is important to receive bonuses for purchases, while for others cash withdrawals are important.

Bank Uralsib offers its clients a choice of cards that will meet any needs:

1. "120 Days at Maximum" credit card, this card is 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 will give you greater flexibility when planning everyday expenses. See the terms and conditions.
2. "Cashback" credit card, this card is for those who value benefits. It allows you to get 1% of purchases back 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 and conditions.
   
3. "Premium" credit card is suitable for clients 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 credit card gives access to a credit limit.

A 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.

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

Work experience at your latest place of employment is also important — at least 3 months inclusive, as well as income.

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

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

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

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.

It is worth thinking about the quality of your credit history earlier than when you plan to submit an application for a large loan, for example, for 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 solvency.
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 MFI: the company must be included in the register of MFIs of the Bank of Russia.
4. If you have a little spare money, open a deposit with the bank where you plan to borrow in the future. This will improve your reputation.

Yes, you can apply for a credit card.

You can review the requirements via the link.

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 terminate the credit agreement. After that, the credit limit will be reset to zero. At the same time, you will need to fully repay the outstanding amount together with interest, if it has been accrued.

You can always check the full outstanding amount 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 an application to terminate the credit agreement. After this period expires, you can request from the bank a certificate confirming the loan closure.

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”. 
• Or call The bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu prompts.
  

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

If you want to receive the card at a branch, you can come to a Uralsib branch and complete the application on site. Find the nearest branch

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

You will receive an unnamed instant card with delivery to a convenient location 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

The interest-free period for the "Premium banking" Credit Card is provided for 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 app 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 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 presence of a minimum payment does not mean that the interest-free period is not in effect; 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 remain in effect, it is necessary to pay the minimum payments every month and in the fourth month pay the remaining part of the debt.

The interest-free grace period, or preferential lending 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 such transactions as cash withdrawals from a card or account, transfers, and quasi-cash transactions.

The interest-free period begins with the first cashless debit transaction of the month to which the terms and conditions of the interest-free period apply, and its duration depends on the card type:

for the Cashback Credit Card - up to 62 days

for the "120 Days to the Max" and "Premium banking" credit cards - up to 120 days.

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

The grace period 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 applies to:  

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

Cash can be withdrawn from the Premium Credit Card, and card-to-card transfers can be made without a fee. Please note that such 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 cash withdrawal transactions, while no interest will be charged on transactions that are covered by the interest-free period.

You can withdraw money from a credit card at an ATM of Bank Uralsib or other banks.

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 bank account details of the recipient (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 expires. In any case, with this method of debt repayment, interest accrual will be minimal.

2. Repayment in any 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 methods of depositing money into a credit card account

• 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 through the bank's cashier or by cashless transfer between accounts opened with Uralsib
• by cashless transfer from another bank

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

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

- for payment of principal debt — first generated by purchases, then by cash withdrawals, transfers, and quasi-cash transactions;

- for payment of late payment penalties, if any.

Example: Suppose on January 1 you withdrew money from a credit card via an ATM 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 purchase in the store will be repaid. The debt for the cash withdrawal from the ATM will be repaid last.

Advice: There are transactions that are not subject to the interest-free credit period. If you want to minimize interest charges, we recommend not postponing repayment of debt on such transactions.

List of transactions subject to the interest-free period.

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 amount and whether interest is charged 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.

The minimum payment is calculated as 3% of the total outstanding debt amount 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 terms of the interest-free period were not met.

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

The Total Cost of Credit is a calculated indicator introduced by the Central Bank to ensure a uniform approach to comparing loan products of different banks. This indicator is not the amount of overpayment; in practice, the client may use the card completely without interest by using the grace period of lending.

We could answer this question briefly: you should never disclose your PIN code to anyone.

However, we would like to provide you with a more detailed explanation of the security rules for using bank cards.

Bank Uralsib continuously stands guard and successfully ensures the banking security of its clients for several decades now. On the part of the client, simple rules must also be observed to help keep your money safe:

1. There are card details that should not be disclosed to 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 result in the loss of funds.

2. When shopping online, pay only on trusted websites and be sure to check the website address in the address bar.

3. Do not hand over 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 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 your card is lost, immediately call the bank at 8-800-250-57-57 to block your card in order to prevent unauthorized transactions.

7. Monitor 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 details 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 the technology of identifying the cardholder when making payment transactions via the Internet and is aimed at improving the security of such payments by entering a secret password.

But, unfortunately, not all websites support the ability to make 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 those 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 dubious websites.
• When actively using a card for payments 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 keep it updated at all times. Do not make online payments using shared-access computers (internet cafes, etc.).

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 go to the partner's page 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 page by clicking the "Go to store" button. Please review the Purchase Rules in advance using the link posted under the "Go to store" button.

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

Purchase compensation.

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 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 conditions. 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 line 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.

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. Choose 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 (select the checkbox).

5. Complete the payment and place the order.

Exchange for RZHD Bonus points.

Transfer bonus rubles into “RZHD Bonus” points — they can then be used for purchasing rail tickets or upgrading the comfort of your trip.

To do this, you need to:

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

2. Enter 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 to exchange (minimum 100 bonus rubles).

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

4. Confirm the transaction

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

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