11 reasons why you might want to get a Tinkoff Platinum credit card now

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

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Leave a request today - tomorrow you may have a credit card with cashback. And all this without certificates and guarantors. And you can also withdraw money from the card without commission!

A credit card is not just a safety net in case you need money urgently. She is capable of more: with the help of a credit card, you can profitably pay off debts in other banks and make money on everyday purchases. For example, if you pay with a credit card, and then immediately transfer money from a debit card to it, it will turn out to be profitable - both the bonuses for the purchase are yours and the interest does not need to be overpaid. Let us prove this with the example of a map.

1. Credit limit - up to 700 thousand rubles

Its size in each case is determined individually. The maximum credit limit for Tinkoff Platinum is 700 thousand rubles. Fill out a short application on the Tinkoff website and indicate how much money you want to receive: credit history and monthly income are taken into account when calculating. Over time, the credit card limit can be increased: for this you need to regularly use the card and return funds without delays.

2. Withdrawing money without commission

Usually, a credit card is used for non-cash payments: it is unprofitable to withdraw money from a card due to the high commission. Tinkoff Platinum makes it easy to pay and cash out. Usually, for withdrawing cash, you need to pay an additional 2.9% of the amount you withdraw, and another 290 rubles on top. If you order the card before October 18, you can cash out up to 100 thousand rubles per month without commission. You will only need to return the amount that you took from the credit card to the bank.

3. Fast clearance with free card delivery

To apply for Tinkoff Platinum, you do not have to look for guarantors and provide a certificate of income - you only need a passport for the solution. You don't even need to leave the house - just fill it out on the Tinkoff website. The bank will consider it and deliver the card to Moscow or Vladivostok.

As a rule, a decision is made within one day. But in some situations, additional verification of information is needed - then the application is considered up to three days. When the card is approved, a bank employee will contact you and make an appointment to hand over the finished card. You can get Tinkoff Platinum on the same day you leave your application. To do this, you need to order the card before 20:00. If you don't have time, it doesn't matter, the credit card will be delivered the next day.

4. Cashback up to 30% with bonuses

For any purchases with a credit card, you can get a 1% cashback with bonus points "Bravo". Also, points will return up to 30% for purchases at special offers from partners - shops, online services and cafes.

One bonus is equal to one ruble. Cashback is credited once a month for the billing period, bonuses do not expire for three years. Points earned can be deducted when buying train tickets, paying for dinner at a restaurant or ordering food at home. Pay by card, and then in the application, compensate for this operation with bonuses. The purchase amount does not matter - the main thing is that there are enough points on the account.

5. Card service - from 0 rubles

Tinkoff Platinum credit card can be useful even for those who do not plan large purchases in the near future. Use it as a safety net so that you always have a reserve of money at hand for unforeseen expenses.

If you have issued a credit card, but do not pay for it, you will not have to pay for the service. If you buy something, then Tinkoff Platinum service will cost 590 rubles per year. This amount will be debited from the account after the first card transaction.

6. An interest-free period of 55 days

There is a grace period - this is a period of time during which you can fully pay off the debt and not pay interest for using the bank's money. It is used for non-cash payments - if you withdraw money from an ATM or transfer funds to another card, the bank will calculate the interest immediately.

Interest is charged only on the amount owed. Let's say you need a new closet for the living room. You went to a furniture store and chose a suitable option for 15 thousand rubles. The size of the credit limit on your card is 200 thousand rubles, but the bank will charge interest only on the 15 thousand that you spent. And if you return the debt during the grace period, then you will generally do without overpayments.

For purchases with a credit card, the grace period ranges from 25 to 55 days. Now let's tell you what it depends on. The month the card is used is called the billing period. When it comes to an end, the bank generates a statement with a credit card debt and sends it to the mail and SMS. After that, the client has 25 days to pay off the debt without interest.

It turns out that if you purchased the wardrobe on the first day of the billing period, then the grace period will last 55 days. And if you decide to update the interior a week later, then the debt will need to be repaid in 48 days.

7.120 days without interest for repayment of other loans

Another way to use Tinkoff Platinum is to pay off debts in other banks using the Balance Transfer service. This can be beneficial when the loan is issued at high interest rates. Instead of repaying the debt in installments and overpaying every month, it is easier to close it ahead of schedule with Tinkoff Platinum and replenish your credit card within four months. No interest will be charged during this period.

"Balance transfer" will help out even if the next loan payment is already close, but there is not enough money for it. It is enough to write to the operator in the technical support chat that you want to use the service, and then he will transfer the required amount according to the details you specified.

8. Installment plan without interest

In the bank application, you can make a purchase in installments for up to 12 months and pay only the debt, not interest. Tinkoff offers two options. Installment by button is so called, because in the application it can be issued literally with one tap. In the list of transactions performed with a credit card, you yourself choose which purchase for an amount of 1,000 rubles or more you want to pay in installments and for how long. The bank only takes a one-time commission.

There is also an installment plan from partners - electronics stores, household appliances, furniture, clothing. It will be completely free, because the bank has already agreed on preferential terms. At the same time, you can issue several installments at once - both by button and from partners.

9. Small minimum payment

The minimum payment is the required amount to pay off credit card debt, which must be paid once a month. At Tinkoff Platinum, it is usually 6% of the debt.

You can find out the amount of the minimum payment from your bank statement. It is advisable to replenish the credit card regularly - if the payment is delayed, the bank will charge 20% per annum on the debt.

10. Replenishment without commission

You can deposit funds in cash or by transfer from other cards, and without the Tinkoff commission. Translation in the application or in the personal account on the website is carried out instantly. When replenishing a card from another bank, it may take 1–2 business days.

If you need to deposit cash on a credit card, it is convenient to do it at Tinkoff ATMs. You don't even need a card - use contactless payment or a QR code from the app. In addition, you can replenish your credit card in cash from Tinkoff partners - there are 300 thousand replenishment points throughout Russia.

11. 24/7 support

Forget about calling a call center or going to a bank office - everything is easier at Tinkoff. You can check the balance, pay for services and carry out other operations with the card in the mobile application.

There is also a support chat in the application, where it is convenient to contact to find out the terms of using a credit card, reissue or block the card. You can even send documents to the bank using the chat.

Order Tinkoff Platinum before October 18 - and get the opportunity to withdraw up to 100 thousand rubles per month without commission.

Tinkoff Bank JSC. The banking license was issued by the Central Bank of the Russian Federation on March 24, 2015. License number 2673.