Credit cards Khanty-Mansiysk Bank provided to all Russians on favorable terms. It is allowed to issue a credit card to a working person, student or pensioner.
Khanty-Mansiysk Bank issues debit and credit cards for each person depending on his needs. If choice debit cards modest enough, there are a lot of credit cards in the bank - 10 types. All of them have loyal terms of receipt and use.
Each credit card from the Khanty-Mansiysk Bank will allow a person to use borrowed funds in the amount he needs and at any time, regardless of location.
The bank issues cards according to such parameters that affect credit limit:
Khanty-Mansiysk Bank issues credit cards for a maximum period of three years, and then a person will either reissue an existing credit card for free, or the client will order a new banking product.
Credit cards have Grace period, during which you can use the bank's money and quickly return them without overpayments. For each type of credit card, this period is set individually, and cannot be changed at the request of the client. A big plus of the Khanty-Mansiysk Bank is that it issues credit cards with money not only in rubles, but also in dollars and euros, which is rare in the lending market.
Using a credit card is very convenient, there are a number of advantages:
Khanty-Mansiysk Bank can offer its customers ten types of credit cards:
When choosing a credit card, you should focus on personal preferences - the scope of spending, their size. Then you can choose the most profitable product from the Khanty-Mansiysk Bank.
The table shows the main parameters that are of interest to bank customers when choosing a credit card.
Comparing them and reading short description of each product, you can draw conclusions and choose the most comfortable option:
| Credit card name | Maximum limit, rub. | Minimum interest rate | Grace period |
|---|---|---|---|
| MasterCard Standard "Status" | 500 000 | 24% | 60 days |
| Classic Platinum or Gold | 500 000 | In rubles - 25%. | 55 days |
| 16,600 dollars and euros | In dollars and euros - 21% | ||
| MasterCard Gold | 1 million | 18% | 2 months |
| Multicard | 500000 | 25% | 55 days |
| Travel | 500000 | 25,9% | 55 days |
| Automap World | 500000 | 25,9% | 55 days |
| Gladiator credit card | 500 000 | In rubles - 25%. | 55 days |
| 16,600 dollars and euros | In dollars and euros - 21% | ||
| "Good deeds" | 500000 | 25% | 55 days |
| Rostelecom | 100 000 | 24% | 2 months |
| Instant card | 500 000 | In rubles - 25%. | 55 days |
| 16,600 dollars and euros | In dollars and euros - 21% |
A person who wants to apply for a credit card at the Khanty-Mansiysk Bank must remember a number of requirements put forward by the organization to a potential client.
So a credit card will not be issued to a person:
To prove their compliance with the requirements of the Khanty-Mansiysk Bank, a person must provide:
To apply for a credit card, a person must submit documents to the bank for consideration. There is a very convenient option for the submission of documents - online application. The application form can be found on the bank's official web page. There you must specify all the data and send the application. The bank will accept it for consideration and notify the client of the decision.
With a positive decision, the Khanty-Mansiysk Bank will send a credit card by mail, or ask a person to come to the bank branch nearest to him. The term for consideration of the application usually does not exceed five working days.
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If a person needs to issue a card urgently, then a personal appeal to the bank is suitable for him. It is necessary to bring documents and contact a consultant for help, fill out a questionnaire on the spot and literally immediately take a card.
Contacting a bank is convenient when a person has not yet decided which card he would like to issue, and then the employee will tell you everything and write out the pros and cons of various products.
You can block the card in your personal account by sending an application from the map menu. It is enough to select the credit card of interest and click on it, then a list of actions will be displayed.
You can also block the card in person by contacting the bank branch with a passport. The third option is to call hotline – 8-800-700-78-77 . You will only need to confirm your identity by naming the code word and passport data.
It should be borne in mind that it will be possible to close a credit card of the Khanty-Mansiysk Bank only if there is no debt on it.
You can find out the balance on the card in your account. You can also check it with the operator or bank employee. If the balance is zero, then you can safely close the card.
Credit cards from the Khanty-Mansiysk Bank are popular among Russian residents for their benefits and a large assortment. In this bank, you can pick up a credit card for every taste, choose the most tempting offer, and the card will be delivered directly to the post office or home.
plastic cards Khanty-Mansiysk Bank retirement pensionThe Khanty-Mansiysk Bank offers the representatives of the older generation to issue a pension card, which compares favorably with cards for receiving pensions from other banks. The pensioner's card offers customers a number of interesting solutions and additional bonuses.
Vice-President - Head of Retail and Small Business of KhMB Otkritie Alexander Dardanov said the following about issuing a card for pensioners: - “To become the owner of new card you need to transfer the pension to a special bank account. This can be done at any branch of the Khanty-Mansiysk Bank without visiting the territorial division of the Pension Fund of Russia.
The design of cards for pensioners is very original, and the photo of the KhMB Otkritie pension card looks like this:
Photo of pension card
According to the pension card of the Khanty-Mansiysk Bank "Otkritie", preferential service tariffs are set and interest is charged on the account balance:
For pensioners, free SMS-informing on all account transactions is connected.
New modern remote services are available for pension card holders:
User-friendly interface, simple and affordable functions, wide selection financial instruments and counterparties allow you to make various payments and transfers, make payments compulsory services at any convenient time.
In addition, the owner of a pension card automatically becomes a member of the special program "Modern Pensioner", within which he can take part in various promotional campaigns or become the owner of special prizes, apply for a "Respectful" loan on favorable terms.
specialists of the Khanty-Mansiysk Bank will always be happy to advise the client on any issue of the operation of the pension card or help him fill out an application for its issuance on free phone: - 8 800 100-17-00
For many borrowers, credit cards become excellent opportunity use bank funds as needed. The Khanty-Mansiysk Bank provides several options for such lending on fairly loyal terms. Today this financial institution becomes one of the largest regional banking systems by being included in the Discovery group. Accordingly, the terms of lending on cards are becoming very attractive.
The main condition for issuing a credit card is the presence in this financial institution bank account with the possibility of implementing international payment systems. Further, the following conditions must be met:
A credit card in the Khanty-Mansiysk Bank is issued for a period of two years. Its maintenance and design is free. At the same time, cash withdrawals are allowed with a commission of 3% with a minimum threshold of 150 rubles.
The grace period for this card is 60 days. However, there is a minimum monthly payment at 5% off total amount debt, plus the full payment of accrued interest.
For many job seekers, the question of how to apply for a credit card of the Khanty-Mansiysk Bank online becomes an urgent need. This method allows for short term apply for a credit card without having to spend extra time and stand in queues at the bank branch.
To make such an application, you must register on the official website and fill out the appropriate form. One of the advantages of the Khanty-Mansiysk Bank is the rapid processing of applications. This usually takes no more than one business day.
Also through online applications there is an opportunity to immediately get acquainted with the functionality of the Internet bank. It will allow you to quickly and conveniently check the balance and view current expenses online.
Interest rates on credit cards of the Khanty-Mansiysk Bank vary depending on their type. There are several basic design options:
All presented credit cards require confirmation of the financial solvency of the client in without fail. There are several advantages that determine the possibilities of credit cards of the selected banking system:
The credit card status of the Khanty-Mansiysk Bank Otkritie is valid for two years. During this period, the borrower can monitor the status of the current account and expenses online through the Internet service. This requires registration on the official website.
One of the largest regional banks, with numerous branches throughout the country, is the Khanty-Mansiysk Bank. The credit card of the Khanty-Mansiysk Bank can be used both in the country and abroad.
The Bank operates in the currency market, attracts and services deposits of private and legal entities. On the market financial services bank for over 25 years, has more than 170 branches. There is also a representative office in Prague. The main office is located in the Tyumen region. The bank's capital is 320 billion, it ranks 24th in the country in terms of assets. It is also one of the top 1000 banking institutions in the world. In 2016, it was reorganized by Otkritie Bank, but retained a recognizable old brand with a good reputation.
Let us consider in detail the conditions of the bank for issuing credit cards, we will tell you what types of bank cards are now the most popular.
The Bank has a large number of various programs for consumer, mortgage lending, issues a very large number of credit cards. They are designed for use by a wide variety of segments of the population of the country. Cards are divided into segments: standard, optimal and premium. In this case, credit cards are divided into:
In an effort to attract cardholders, the bank issues internationally recognized Visa cards and MasterCard. Now its customers can use credit cards abroad.
Depending on the card, there will be different lending conditions and tariffs. They express the interests of all segments of the population. From their variety, each client of the bank can choose the card he needs. The limit is from 30 thousand rubles to 500 thousand on the Status card, and on all others - up to 500 thousand, except for Rostelecom with a limit of up to 100 thousand rubles. The rate is from 19% (for the Gold / Platinum card) to 29.5% per year (for the Travel card).
Basic conditions:
The classic Gold/Platinum card has a rate of 19-22%. You can repay the debt every month, but it must be at least 5% of the loan amount;
- “Status with a rate of 24%, a period of benefits of two months. The card is valid for two years. To receive a card, the client must be a member of the "Status" program from UTair. The owner can accumulate bonuses - miles, buy air tickets on them, pay for flights with a card. They can also be used for preferential services of other programs (“Status-Family”, for example). At the conclusion of the contract, the limit is 30 thousand rubles, which can gradually increase. The client also receives a gift after making the first purchase - 750 miles. In the future, when paying with a card for a purchase of 50 rubles, 1.5 miles are credited, discounts apply in the bank's partners. When withdrawing cash - a commission of 3% and the minimum amount is 150 rubles.
Bank funds in foreign currency are issued up to 16600 c.u. at a rate of 21%. At the same time, round-the-clock account control, customer support, remote banking services are carried out.
The Bank individually approaches the consideration of the request of each applicant for a loan. To apply for a card with a high chance of getting it, you must:
Customers already served by the bank must:
You can apply for a card by submitting documents to the bank office or online through the website. The bank recommends using its official website - this saves the personal time of the client and the bank itself.
The bank will not have to accept a large number of borrowers, create queues at the bank, and the client can submit an application, documents at any time convenient for him. He can also receive offers from other banks via the Internet and compare them.
The application is processed very quickly. With a positive decision, money is usually received on the card online on the same day. At the same time, the card itself can be obtained without visiting the office: by mail or by courier delivery.
Currently, the card is delivered free of charge to many regions of the country. Soon this service may become available to all residents of our country.
The disadvantage of an online application is the lack of personal communication with the manager, in which it would be possible to clarify the nuances and questions that have arisen.
The grace period is 60 days. During this period no interest is charged for the use of bank funds. This period is one of the longest compared to the grace periods of other banks (in the leading Sberbank it is 50 days).
In case of non-repayment of the funds spent within the specified period, interest is paid based not on the amount already outstanding, but on the funds spent for the entire billing period. In this case, the user loses the right to non-payment of interest.
Important: the time is counted from the date on which the cards were issued, and not from the date when the first purchase of the goods was made. For each purchase, the benefit period is different, but no more than 60 days.
The card needs to be replenished, the debt repaid.
Cards can be topped up in the following ways:
In case of payment of less than 30 thousand rubles, the bank takes a commission. When using the bank's partner network Rapida LLC, which is connected to the Eldorado, M-video and some other cash desks, the commission is 1% (at least 50 rubles). When using Eleksnet and QIWI terminals, the commission is 1.5%.
OJSC Khanty-Mansiysk Bank - the largest regional bank. It has a lot of banks all over the country. It provides its clients with: the opportunity to get a loan from the age of 18, a longer grace period compared to other banks, and online registration. Taking care of its customers, the bank has introduced international cards that can be used outside of Russia.
Khanty-Mansiysk Bank operates on Russian market for more than 20 years and has taken a fairly stable position in its segment. At the moment, there are more than 170 of its branches throughout Russia, in which both private and corporate users can use one or another banking services. Their list also includes several types of credit cards of the Khanty-Mansiysk Bank:
Each of the cards has its own characteristics, which are expressed in the conditions provided to the client. Let's take a closer look at them in this article.
Depending on what type of card a citizen uses, he is provided with different types conditions. Subject to change credit rate. It denotes the amount of interest accrued for the year from the moment the debt was opened. Also, the type of card affects the limit, which indicates the maximum amount, after spending which the client will no longer be able to pay for purchases.
The most common types of credit cards from the Khanty-Mansiysk Bank were listed above. But, in addition to them, this financial institution can offer its customers other types of "plastic" developed jointly with certain companies.
Thus, together with the UTair airline, the organization issues two Status cards. Both products have an interest rate of 29% per annum. Their difference lies in the limit that can have maximum dimensions 500 thousand or one million rubles.
The bank also cooperates with Rostelecom. If the recipient of the card is a client of this operator, then he can order a credit card with a limit of 300 thousand rubles. The interest rate is identical to the one that is presented to the Status cards and is equal to 29% per year.
The Khanty-Mansiysk Bank, like many other financial firms, is developing with the times. Therefore, there are several ways to apply for credit cards. To do this, you can contact one of the numerous offices of the company or go to the official website in the "Maps" section. There, the client can leave an online application for a credit card of the Khanty-Mansiysk Bank.
For the last method of registration, you must register on the bank's website, and then fill out a short application form. This paper will be sent to the organization's specialists who will double-check the specified data and send a response. The card will then be sent to its owner. The exact delivery time directly depends on the place of residence of the client.
Credit cards from the Khanty-Mansiysk Bank have several advantages, thanks to which they look more advantageous against the background of simple loans or products of other banks:
