The VTB 24 car card is a co-branded product designed for car enthusiasts. Owners are entitled to cashback when using the card at any gas station. Its size depends on the category of the card. Potential and existing customers of VTB 24 Bank will find useful information about the options for issuing an Autocard and terms of service.

Conditions for receiving cashback on Autocard

Any co-branded product is of interest to a certain audience of bank customers who use plastic cards in everyday life. Especially for motorists, the VTB 24 Autocard card was developed and issued.

Co-branded bank card in VTB 24 is issued:

• as credit;
• as a debit card for everyday payments.

Plastic can be of different categories, except for Classic, in this version the VTB 24 Autocard is not issued.

The main advantage is the ability to receive cashback from every purchase at gas stations. At the same time, it is important that the choice of filling stations is not limited: a part of the amount spent is refunded even when using the card abroad. The percentage of return depends on the category of plastic.

Another advantage will be a 1% cashback when using a card of any category to pay for any goods and services, including online purchases. Such conditions of the VTB 24 Autocard make it a profitable product for car owners. Plastic is produced in different versions, we will learn about all the bank's offers for motorists.

Cashback for purchases at gas stations is returned under the following conditions:

• 3% for gold,
• 5% - for any premium cards.

The amount of compensation is the same for both debit and credit cards. The maximum amount of cashback per month cannot exceed 15 thousand rubles.

Debit Autocard VTB 24

For daily settlements, the bank offers potential and existing customers to issue:

• gold Autocard VTB 24;
• one of the premium cards: Platinum, Privilege or Visa Signature / MasterCard World Black Edition.

Debit cards are issued as part of the respective service packages as the main card. It is also possible to issue it as an additional one when connecting a control unit of a higher category. For example, within the framework of PU Platinum - a gold card. Let us consider in more detail the possibilities of plastic of different levels.

Golden

Gold together with PU Gold:

• issue: 300 rubles, maintenance - free of charge;
• 1 free additional card;
• opening accounts in 3 major currencies;
• free services: Internet banking, SMS notification in the Card+ service package, cash withdrawals at any ATMs, online transfers;
• insurance under the Card Protection program with a coverage of 75 thousand rubles;
• concierge service - basic.

Platinum

The owners are entitled to all the bonuses listed above, and also to them:

• the number of additional cards without a monthly fee is increased to 3;
• insurance policy Traveler protection with up to $50,000 coverage.

The issue price is 500 rubles, maintenance is free of charge. Bonuses and privileges from the bank and international payment systems in accordance with the Platinum category.

Privilege

In addition to the bonuses listed above, owners are entitled to:

• opening 4 free cards;
• concierge service - Premium;
• travel protection coverage increases to $100,000; and the Account Protection program with coverage up to 350,000 rubles;
• premium service: office, dedicated telephone line, personal manager, preferential offers for banking products.

The card maintenance fee is 850 rubles.

Credit Autocard

The bank offers its potential and existing customers co-branded credit cards of the following categories:

• Gold;
• Platinum.

For a gold credit card VTB 24 Autocard, the conditions are as follows:

• credit limit: up to 750 thousand rubles;
• interest rate - 26%;
• duration of the grace period: up to 50 days;
• issue: 350 rubles, monthly subscription fee - 350 rubles, subject to payment for purchases in the amount of 25 thousand rubles. monthly - free of charge;
• commission for transactions - 5.5%.

Other benefits: free internet banking and SMS alerts with PU Card+, concierge service. As well as discounts from bank partners, the possibility of issuing additional cards (up to 5 pcs.)

The conditions for a Platinum credit card differ in the following parameters:

• the limit is increased to 1 million rubles;
• the interest rate is reduced to 22%;
• issue - 850 rubles, you can use it for free with a turnover of 65 thousand rubles. monthly.

Owners are entitled to all of the benefits listed above and the Roadside Assistance service.

Roadside Assistance Program

For owners of the VTB 24 Privilege service package, an Autocard can be issued as part of a special AUTO program (Visa Signature or MasterCard World Black Edition plastic is offered). At the same time, the Roadside Assistance service is connected.

It will allow:

• receive advice: technical - by telephone, legal - by phone and in person;
• if necessary (breakdown, accident) to evacuate the transport;
• receive the following types of assistance: fuel delivery, wheel replacement, starting the engine and opening the car.

The Roadside assistance service allows you to receive timely and necessary support, both technical and consulting. Service options will be useful to motorists both in everyday life and while traveling.

We reviewed VTB 24 debit Autocards, the choice of plastic depends on the financial capabilities and preferences of customers. Now let's find out what co-branded credit cards the bank offers to motorists.

Conclusion

In VTB 24 Bank, an Autocard is issued as a debit or credit card, the client chooses the category in accordance with his needs and financial capabilities. The higher the status of the plastic, the more additional benefits and bonuses the owners are entitled to.

The premium Black Edition credit card will please its owner with a large limit and an interesting package of options. For customers who have a bank deposit, the credit limit can be set at 1,200,000 rubles. The card is issued to participants of the salary project with a limit of up to 600,000 rubles. The interest rate is 27.9% per annum. Grace period is 55 days.

The cardholder is provided with the services of a personal manager and services in special areas of the bank. All consultations are conducted via dedicated telephone lines.

On a card in the amount of up to 3% of purchases at gas stations and 1% of other payments. When traveling abroad, the cardholder will receive free accident insurance.

The “Driver's Package” guarantees assistance on the roads in unforeseen situations: calling a taxi in case of an accident, fuel delivery, technical advice. When renting a car in Russia and abroad, discounts will be provided.

Repayment of credit debt is made by regular installments, at least 5% of the debt amount per month. In the event of a delay, a penalty of 20% per annum will be charged.

Cash withdrawal is limited - no more than 50% of the credit limit per month. For cash withdrawals at ATMs and PVN of the bank, the commission will be 3.9%, at least 390 rubles.

The card is issued free of charge. Payment for the first year of service 12,000 rubles.

A credit card can be ordered by residents of the Russian Federation over the age of 23 who have permanent registration in the bank's coverage area. To draw up an agreement, you need to submit a passport, work book and income statements to the bank.

Advantages of the card: a large credit limit, moderate interest rates and options for car travelers make this offer of the bank worthy of the attention of customers.

cashback

Cash withdrawal fee

	Credit funds
At bank ATMs	3.9%, min. 390 rub.
At ATMs of third-party banks	3.9%, min. 450 rub.
At the cash desks of the bank	3.9%, min. 390 rub.
At the cash desks of third-party banks	3.9%, min. 450 rub.

Operation limits

cash withdrawal per month: no more than 50% of the established limit

Travel insurance for you and your family members (during a joint trip with the Cardholder) from one of the largest international companies 2

Mastercard® contactless payment technology

Revolving credit limit up to RUB 1,200,000

Grace period of crediting up to 55 days

Assistance in various situations on the roads within the framework of the "Driver's Package": fuel delivery in the amount of 20 liters, car evacuation in case of an accident, taxi in case of an accident, technical advice by phone and other services

An indispensable assistant in solving a wide variety of issues under the Concierge Service program

Discounts when renting a car in Russia and abroad 3

Top up your UniCredit Bank card from cards of any Russian banks without commission through the Mobile.UniCredit 4 mobile application

Extract from the conditions of travel insurance for plastic card holders of JSC UniCredit Bank and their family members (SAO ERGO)	PDF	244 KB	Download
Additional information on the terms of providing and servicing credit cards of AO UniCredit Bank	PDF	211 KB	Download
	PDF	367 KB	Download
Comprehensive travel insurance rules (SAO ERGO)	PDF	1 MB	Download
More about the Concierge Service program	PDF	133 KB	Download

Driver package

For roadside assistance, call the hotline 8 800 250 73 00 .

Free for all holders:

• Technical and legal advice 1

Free for purchases over 10,000 ₽ in the previous month or for debts over 10,000 ₽ on the last working day of the previous month:

• Fuel supply 2
• Towing a car or motorcycle in case of an accident / breakdown 3
• Payment for a taxi in case of an accident and evacuation of a car 4
• Replacement of damaged wheels 5
• Opening a car door 6
• Engine start 7

1 As part of the service, telephone consultations and face-to-face legal consultations are available in 80 offices throughout Russia on the following issues:
- operation of the vehicle, troubleshooting,
- acquisition, taxation, registration, operation, maintenance and repair of vehicles,
- alienation, exchange, pledge, donation and other civil law transactions with vehicles,
- associated with the passage of the state technical inspection of the car,
- on other issues of legal relations in the field of road transport and operation of vehicles, including on issues of relations with law enforcement agencies and other organizations in the field of road transport and operation of vehicles.

2 The cost of fuel is paid by the client separately in cash against a check from the gas station.

3 The service is provided no more than once for one accident, from the scene of an accident, if, as a result of an accident registered with the authorized bodies, or in the event of a breakdown, the car cannot start or continue driving.

4 For the amount up to 1000 rubles. The service is provided in case of immediate order of a taxi on the day of the accident from the place of the accident or from the place where the car was evacuated by the Russian AutoMotoClub.

5 The client can only be provided with the services of removing damaged and installing spare wheels or transporting the car / wheels together with the client to the nearest tire service (in this case, the cost of third-party tire service is paid by the client). If it is impossible to dismantle the wheels due to wheel locks installed on them or faulty wheel fasteners, possible additional work is also paid by the client.

6 Work on opening the engine compartment, luggage compartment is carried out for an additional fee and subject to the availability of technical feasibility.

7 It is carried out, including from at least one external source.

The driver's package is provided by Russian AutoMotoClub LLC. www.ruamc.ru

If the distance from the administrative border of the city where the "Driver's Package" service is valid (in Moscow - from the Moscow Ring Road) to the location of the car exceeds 100 kilometers, field services can be provided if it is technically possible, and the client pays for additional mileage separately.

The number of requests for services is not limited during the validity period of the card. One service is provided per request.

Tariffs

Tariffs 1 are effective from 22.06.18

Card type 5	AutoMap World MasterCard® Black Edition™ 2
Minimum credit limit 3	300 000 rubles
Maximum credit limit 3	1,200,000 rubles
Interest rate for privileged clients of the bank 4	20,9%
Commission for annual service, in rubles
Major credit card	12 000
Additional credit card	4 000
PSK range (annual) 6, %	23,111–29,305
Monthly cash withdrawal limit (in the amount of the main and additional credit cards)	no more than 50% of the established credit limit per month
Restriction on cash withdrawals on the main/additional card per day	500 000 rubles
Grace period for loans	up to 55 days
Fee for receiving cash
At ATMs and branches of UniCredit Bank	3.9%, min. 390 rubles
At ATMs of UniCredit group banks	3.9%, min. 390 rubles
At ATMs and branches of another bank	3.9%, min. 450 rubles
Penalties
Penalty for the amount of overdue debt on the loan, annual	20%
Penalty for the amount of unauthorized overspending	0.2% of the overspending amount for each day
Providing account statements	not charged
Commission for transactions made in a currency other than the currency of the account	not charged
Payment for the services of telecom and television operators, utility bills	not charged
SMS informing using the SMS.UniCredit system	not charged

The fee for receiving cash, the fee for servicing the main and additional credit cards (Annual Service Fee), as well as the fee for blocking the card in accordance with the Agreement are debited by the Bank from the card account. Write-off of funds occurs at the expense of the credit limit or at the expense of funds on the card account.

1 These Tariffs are an integral part of the Agreement on the issue and use of a credit card.

2 Both main and additional credit cards with AutoCard design are issued.

3 The credit limit under the Credit Bank Card Agreement is set on an individual basis at the discretion of AO UniCredit Bank and specified in the Limit Agreement.

4 The interest rate under the Credit Card Agreement is set on an individual basis at the discretion of AO UniCredit Bank and specified in the Limit Agreement.

5 The cost of annual maintenance of the main and additional credit cards is charged at the time of card activation. Thereafter, the annual maintenance fee for the primary and secondary credit card will be charged annually. The fee rate for the execution of orders of individual clients of the Bank is the prevailing document.

6 The range depends on the size of the credit limit.

All other expenses not specified in this section are regulated by the general tariffs for servicing bank cards.

Requirements

• citizens of the Russian Federation who are permanently registered in any city or region (territory) where the Bank's subdivision is present (for payroll clients of the Bank - the city or region (territory) of the Russian Federation where the Bank's subdivision is present and adjacent regions);
• place of work in the city or region (territory) issuing a loan/deposit 1 ;
• minimum income required to get a credit card
  (average income for the last 3 months after tax):

  For customers applying under standard terms:
  - at least 150,000 rubles - for clients actually residing in Moscow and the Moscow region,
  - not less than 80,000 rubles - for clients actually residing in other regions of the Russian Federation.

1 For payroll clients of the Bank - a city or region (territory) of the Russian Federation.

The documents

Individual:

• Completed Application 1 for a credit card.
• Original and copies of all pages of the passport.
• For clients confirming their income with a certificate of income:
  - a copy of the completed pages of the work book, certified by the employing organization 2;
  - certificate of income from the last place of work (in the form of 2-NDFL or in free form) for the last 3 months 3 ;
  - the second document to choose from: a driver's license, a foreign passport, an insurance certificate of the State Pension Insurance of the Russian Federation, an individual's TIN, an insurance certificate of the State Compulsory Medical Insurance, a vehicle registration certificate, a military ID.
• Payroll clients 4 do not require proof of employment and income 5 .

The final decision on granting a loan is made by the Bank after reviewing the full set of documents provided by the client. To make a decision, the Bank has the right to request additional information, as well as documents necessary to confirm the information received. The Bank reserves the right to verify the information contained in the questionnaire by any legal means. The Bank also reserves the right to refuse to provide a loan without explaining the reasons for the refusal.

After a positive decision is made on the Application for a credit bank card, the Bank Agreement on the issue and use of a credit bank card is considered concluded, the Bank opens an account and issues a card. The General Terms and Conditions of the Agreement on the Issuance and Use of a Bank Card of AO UniCredit Bank and the Commission Fee for Executing Orders of Individuals - Clients of the Bank are also considered an integral part of this Agreement.

The Credit Limit is provided by the Bank after signing the Limit Agreement, which consists of the Individual Terms and Conditions of the Consumer Credit Agreement and the General Terms and Conditions of the Agreement on the Issuance and Use of a Bank Card by AO UniCredit Bank. Individual conditions can be received within 182 calendar days after the date of conclusion of the Agreement. Individual conditions can be signed within 5 calendar days after they are received.

The Limit Agreement from the date of its signing by the Borrower becomes an integral part of the Agreement 6 .

The credit card is issued after the conclusion of the Limit Agreement.

The term for consideration of an application for a credit card is up to 3 business days from the date of submission of a complete set of documents by the Borrower. The term for issuing and delivering the card to the Bank's office is up to 5 business days.

Credit Card Application (UniCredit Prime Club)	PDF	475 KB	Download
Application for issuing an additional card	PDF	287 KB	Download
General terms and conditions of the agreement on the issue and use of a credit card of AO UniCredit Bank	PDF	367 KB	Download
Rules for servicing bank cards of AO UniCredit Bank with the possibility of paying remuneration for using the card (valid from 20.03.2019)	PDF	135 KB	Download
Excerpts from the insurance conditions for World MasterCard Black Edition®, S7 Priority - Visa Platinum - UniCreditCard ("More comfort"), "AutoCard" World MasterCard Black Edition® cards issued from 01.06.2013. (CJSC "AIG")	PDF	259 KB	Download
Explanatory Instruction No. 1964P00017 (for cards issued from 06/01/2013 (AIG CJSC))	PDF	162 KB	Download

1 The application is valid for 30 days from the date of signing by the borrower.

2 Law enforcement officers and military personnel, instead of a certified copy of the employment record, provide a copy of the identity card of the law enforcement officer / officer and a certificate from the financial department.

3 As income, the Bank may also consider regular additional income from part-time work, documented. The date of issue of the document confirming income - no more than 1 month ago from the date of submission of the Application to the Bank. Requirements for the design of a certificate in free form can be found in the "Question and Answer" section.

4 Salary customers of the Bank - employees of companies/organizations serviced by the Bank under the "Agreement for the provision of additional services for settlement services" or "Agreement for the provision of additional services for settlement services using a special account", and at least one transfer was made to the account in each month for the last three months with a sign of receipt of wages.

5 The Bank has the right to request additional documents, including a certificate of income for making a decision.

6 All disputes that may arise between the Parties in connection with the Agreement shall be resolved through negotiations. In the event that the Parties do not come to a mutual agreement, the disputes that have arisen are subject to consideration in accordance with the substantive and procedural law of the Russian Federation in a court of general jurisdiction:
– on the claims of the Borrower against the Bank - in a court determined by the Borrower on the basis of the Law of the Russian Federation “On Protection of Consumer Rights”;
– on the Bank's claims against the Borrower - in a court of general jurisdiction at the place of residence of the defendant.

1 Refund. The Bank pays remuneration on a monthly basis, during the month following the reporting one. For AutoCard World MasterCard®, AutoCard World MasterCard® Premium, the minimum amount of remuneration is 30 rubles, the maximum is 3,000 rubles. For AutoCard World MasterCard® Black Edition™ cards, the minimum reward is 100 rubles, the maximum is 10,000 rubles. The total remuneration for the main and additional cards is calculated. No reward will be paid if there is an overdue credit card balance on the 1st of the month following the month in which the purchases were made, or if the credit card was closed in the month in which the purchases were made. The Bank may unilaterally refuse to accrue remuneration for a transaction. The operation belongs to a certain category is determined by the registration code in the MasterCard payment system. Full rules for payment of remuneration are specified in the Rules for servicing bank cards of AO UniCredit Bank with the possibility of paying remuneration for using the card.

2 The service is provided by CJSC ERGO, insurance licenses SL No. 0177, SI No. 0177, PS No. 0177 dated 11/27/2015. www.ergo.ru

Starting from 08/01/2016, insurance is provided only upon activation of the card and upon receipt by the cardholder of the insurance certificate at the Bank's branch. The insurance certificate is valid up to 1 year. In order to extend the insurance and obtain a certificate for a new term, you must apply in advance (before the end of the current insurance period) to any branch of the Bank. The insurance service is not provided for additional cards. The insurance service is provided for cardholders under the age of 75 (when the insured persons reach the age of 61, the insurance coverage limits decrease).

For cardholders who received an insurance certificate before 31.07.2016, the next period of insurance in SAO ERGO is valid.
For cardholders who received an insurance certificate from SAO ERGO in the period from 08/01/2016 to 07/31/2017, the insurance period is valid.

3 The discount is available as part of the MasterCard Priceless Cities program. Details, as well as the rules and conditions for granting discounts, on the website www.priceless.com

4 Up to 75,000 rubles per transfer and 300,000 rubles per month. The transfer is carried out according to the card number.

"AutoCard World MasterCard® Black Edition™"

Interest rates and conditions for obtaining a credit card from UniCredit in rubles in the amount of 100,000-1,200,000 rubles, with a minimum rate of 29.9% per annum for up to 3 years.

Opinions of UniCredit clients and Capitaloff experts on the advantages and disadvantages of the credit card - "AutoCard World MasterCard® Black Edition™":

Credit card terms and rates

Credit card options

Type of card World MasterCard® Black Edition™ Early redemption in part or in full Payment methods
credit card bank offices, ATMs, payment terminals, non-cash payment or transfer, offices of the Russian Post Loan calculation scheme annuity payments (in equal shares)

Requirements for the recipient

Registration is required Age limit for men from 21 to 57 years Age limit for women from 21 to 52 years Work experience at the last place of work at least 3 months Total work experience at least 1 year

Documents confirming income in the form of personal income tax are not required.

Credit card security

Other income Income of at least 150,000 rubles.

Credit card features

Withdrawal limit Restriction on cash withdrawal on the main / additional card per day - 500,000 rubles. Restriction on cash withdrawal per month (in the amount of the main and additional credit cards) - no more than 50% of the established credit limit in month Grace period Up to 55 days Annual card maintenance Main credit card - 8,000 rubles. Additional credit card - 4,000 rubles. Bonuses and special offers Individual service at UniCredit Bank: a personal manager, a dedicated telephone line for communication with the bank, service in special areas in bank branches. Insurance programs when traveling abroad and against the risks associated with using the card. Concierge service. Pay for goods and services in one touch with MasterCard PayPass ® technology. "Driver's Pack" Discounts when renting a car abroad Fees for receiving cash from ATMs and branches of another bank, in rubles — 3%
cash withdrawal from ATMs and branches of UniCredit Bank or from ATMs of banks of the UniCredit group, in rubles - 1%

Penalty for the amount of overdue debt on the loan: 20%. Penalty for the amount of unauthorized overspending: 0.2% of the overspending amount for each day