With the holidays approaching, many are faced with the question of what to give to family and friends. If there is no time to find the right gift, you can give money. However, banknotes folded into a gift envelope or postcard do not always look original. To really surprise your loved ones, it is worth presenting a gift card. You can buy it at big banks, including VTB.
VTB 24 gift card has a standard look. It is made of plastic. The front side shows the VTB logo, as well as the denomination. However, there is no holder data on it. On the reverse side is a magnetic stripe.
The main advantage of this gift product from VTB is that it allows you to make purchases in any store, as well as pay bills in restaurants, use it in different countries, and much more.
Choosing a gift card from VTB is not as easy as it might seem at first glance. In order for such a gift to be truly useful and functional, its choice should be approached as responsibly as possible. Be sure to focus on the following parameters:
VTB Bank has several gift cards. Analyze every offer. If necessary, you can ask for help from a VTB employee.
VTB Bank starts issuing gift products a month before the holiday. These are standard cards that have a certain amount of funds in the account and a lot of additional bonuses. VTB offers several types of gift cards.
| Type of gift card | classical | Golden | Platinum |
|---|---|---|---|
| Limit | Amounts up to 150,000 rubles | Amounts up to 750,000 rubles | Amounts up to 1 million rubles |
| Service charge for monthly use | Free | Free | Free |
| Getting bonuses | Not provided | Cashback on all purchases up to 5% | The gift card is valid abroad, the client falls under the insurance program, and also receives cashback from purchases and other bonuses |
| SMS banking and Internet banking | 60 rubles | Is free | Is free |
In the rating of VTB gift cards, the most profitable one is platinum. However, VTB also offers a multicard. It combines several bonus programs, and also guarantees a cashback of up to 10% from any purchases. The holder can connect several options to choose from. The “Collection” option is very popular, which provides for the accrual of bonuses for each purchase.
In VTB Bank, you can issue a credit card "Collection". She guarantees her owner a large number of bonuses from bank partners. When making various purchases and paying for services, bonuses will be credited to the account at the rate of 1 bonus for 30 rubles. The accumulated bonuses can be spent on tickets to the cinema, on a plane or train, on booking a hotel room and much more. In addition, VTB partners provide a 40% discount.
If you need money urgently, you can apply for a Platiza loan. This microfinance organization offers its clients very profitable terms lending.
Make a gift banking product You can visit the nearest branch of VTB. You do not need to have any documents with you, since such a card does not contain personalized data about its owner. In addition, it does not involve opening an account, as is the case with conventional debit and credit cards.
You can also apply for it online on the official website of the bank. Online application is very convenient, as the whole procedure takes a minimum of time. It is enough to fill out the order form and pay the cost.
A VTB gift card can be issued anonymously. However, in this case, its limit will be 15 thousand rubles.
The card is issued instantly after the client has deposited money at the VTB cash desk. If its registration and payment took place via the Internet, then a gift card can be obtained using a courier or postal service. In the latter case, a letter with a link to activate the banking product is also delivered to the specified address.
Gift VTB card significantly different from other banking products. Her main feature is that anyone who knows the PIN code can use it. Thus, the gift card issuer can transfer it to any other person, and this will not be a violation of the law.
The possibilities of a gift product from VTB are limited. So, the holder can use it exclusively to pay for their purchases (including purchases in online stores), as well as various bills in public institutions. Cash out cash at an ATM or bank cash desk is not possible. It is intended exclusively for non-cash payments.
A VTB gift card is valid as long as there are funds in its account. After they run out, it closes automatically. Some gift cards are rechargeable, which is very convenient. Then their validity expires depending on the conditions of the bank. On average, it is no more than 1 year.
In case of loss or theft of a card that is not connected to any insurance program, it cannot be blocked. Therefore, scammers can take advantage of it. The lost money will not be returned to the holders of the gift product.
Summarizing all of the above, we can highlight the main advantages and disadvantages of gift products from VTB.
Thus, a VTB gift card is an excellent present. Often, it comes with original gift packaging, such as an envelope or box, and even a postcard.Another festive time is approaching - St. Valentine's Day, February 23 and March 8, which means that it is necessary to choose gifts for loved ones again. But what if you don’t have time to find the right gift, but you just don’t want to give money? Give a Gift Card! But not in a specific store, but all at once! Yes, there are such cards, and you can buy them in banks!
A bank gift card does not visually differ from any store gift card - the same plastic, though not with the store logo, but with the bank logo, the face value of the card is also indicated on the front side, and on the back there is a magnetic stripe.
But, the advantage of a gift bank card is that, among other things, it performs the functions of a regular card - it is accepted to pay for goods and services in any shops and cafes, on the Internet, and you can even withdraw money from some cards! Therefore, by presenting such a card, you give its owner the widest choice - he will be able to buy any product in the store (of course, within the face value of the card), spend money on any entertainment, or simply take it off. Moreover, it is not necessary to spend the entire amount at once, you can make purchases for a part of the amount, and use the remaining amount another time.
You can buy a gift card at Petrocommerce Bank, Gazprombank, Sberbank, AK Bars and some other large banks. At the same time, Russian Standard provides an opportunity to purchase a card not only directly in its branches, but also order via the Internet or even buy in outlets partners.
No documents are required for the purchase. All you need is the required amount of money, equal to the face value of the card plus the commission for issuing it.
Depending on the bank in which you will buy such a card, the face value of the card can be fixed, for example, a card for 1,000 rubles, or the face value can be arbitrary, but not more than 15,000 rubles in both cases. Such a restriction on the maximum face value of the card is imposed Russian legislation, since the cards belong to an unidentified user (during its registration, a passport is not presented, a bank account is not opened).
Banks are taking a different approach to pricing when issuing gift cards. Someone assigns a fixed cost, someone - a percentage of the face value. For convenience, we have summarized the data on prepaid cards in a tabular form.
|
Payment system |
Functional |
Card issue fee |
||
|
Russian standard |
Payment for goods and services on the Internet |
100 rubles at a bank branch or on the Internet 50 rubles at a point of sale (some outlets may charge an additional commission) |
||
|
Petrocommerce |
Any up to 15,000 rubles |
100 rubles |
||
|
Gazprombank |
Any up to 15,000 rubles |
100 rubles |
||
|
Sberbank |
Any up to 15,000 rubles |
100 rubles |
||
|
Fia Bank (only in Samara and Togliatti) |
NCC (National Credit Cards) |
Any up to 15,000 rubles |
Cashless payment for goods and services Cash withdrawal |
1% of the deposited amount, but not less than 100 rubles. |
For the most part, gift cards cannot be recharged, although, for example, special rechargeable gift cards can be purchased at AK BARS.
The validity of such cards is limited - no more than 1 year (indicated on the front side of the card).
The card can be re-gifted an unlimited number of times.
Gift cards of various denominations are issued by most banks. Consider best offers and their features.
Gift bank cards are non-personalised; when purchasing them, there is no need to present any documents.
Their balance is either fixed, that is, set by the issuer, or determined by the buyer independently within a certain range (usually 15,000 rubles) by depositing the required amount into the account.
The cost of prepaid gift cards is standardly set in the region of 50-100 rubles for 1 form. As a result, the price of the gift is determined as the value of the account balance plus some commission of the issuer.
The advantages of such products:
The disadvantages of most prepaid cards are:
The money credited to the gift card account will not be available to the holder after its expiration date. Most issuers count balances on such cards after this date in their favor.
In the VISA payment system, you can find the following types of gift cards:
MyGift - gift Bank card payment system VISA. The issuer offers several types of cards, including virtual, fuel and children's cards.
Work with the card begins with its activation on the website of the issuer. Additional actions are not required only for the card of the "Gold" level. After activation virtual card SMS is received with data on details, including:
When activating some types of cards, the system offers to set the scope of its validity. The product can only be used for settlements with enterprises of a certain category, for example, only in cafes and restaurants, or to pay for travel.
The capabilities of a particular MyGift, as well as its balance and validity period, which may differ from the date indicated on the form, can be clarified on the corporate website.
A gift card with money from Otkritie Bank is a worthy present. The form is protected by a chip. You can buy a card at one of the bank's offices. You can deposit any amount into her account. The card form is valid for 1 year. The cost of maintenance is 100 rubles. The balance is determined by the donor independently.
A significant drawback of the proposal is tariffs, according to which a commission of 2.5% of the amount spent is withheld when paying for goods and services.
"TransKapitalBank" issues prepaid gift cards "Vygoda" and SEC "European". The first product is the result of friendship with the virtual bank TalkBank, known for being accessed through bot communication in well-known instant messengers. The second was the result of cooperation with the shopping and entertainment complex of the same name.
The Evropeisky shopping and entertainment center card does not imply cash withdrawals, but the formation of over-limit debt is allowed. The fee for using the bank's funds is 40% per annum.
The cost of a gift card from Raiffeisenbank is 100 rubles. The undoubted advantage of the product is the possibility of obtaining discounts of up to 40% from bank partners.
The card is rechargeable, but maximum limit- 15,000 rubles.
"Post Bank" offers a prepaid "Online card". Its validity period is 36 months. The service is free.
You can receive cash. Commission - 100 rubles for 1 operation.
The limit on the card is 15,000 rubles before the simplified verification of the holder and up to 60,000 rubles after the specified procedure.
Gift Mastercards are the cards:
Gift card "I give!" has a face value - 500-15000 rubles. The product is valid for up to 1 year. To make such a gift, you must pre-order a card.
Card activation is not required. You can order a custom design. Balance on the card "I give!" specify on a special website by indicating the 13-digit barcode number located on the back of the card form.
The main parameters of the MTS Money product:
"MTS Money" replenished.
Funds can be deposited into the account at the offices of MTS Bank. The operation involves the presentation of a passport. It is possible to receive transfers to this card account subject to the following limits:
You can't get cash from it. The account balance will be prompted by free phone 8-800-250-08-90.
The Gazprombank prepaid card is issued in two versions:
Identification of the cardholder involves providing the bank with personal data, including passport data. The appeal is possible both by personal visit to the office and by e-mail.
Both proposals are:
Prepaid cards of Gazprombank are an opportunity to return the account balance at the end of the card validity period without any commissions. If the card form is lost, then the funds will not be returned.
The main advantage of cards with simplified identification is that, unlike the variant without identification, thanks to this product you can, moreover, free of charge:
With regard to a card without identification, the following limits are set: 15,000 rubles per transaction and 40,000 rubles per month. The following restrictions are set for a product that involves simplified identification:
Russian Standard Bank together with the Svyaznoy company issues gift cards based on MasterCard. The product, despite the fact that it is co-branded, is accepted for payment everywhere, like any other banking unnamed card. Many different types of its design are offered.
A Russian Standard gift card gives you access to the Discount Club program. Participation in partner promotions will allow you to use special offers and discounts up to 30%. In total, the program has over 4,000 partners throughout the country.
The face value of the card form is 1000-15000 rubles. The validity period of the card is indicated directly on it. The virtual version can be used for a maximum of 3 months. There is no service fee.
"Universal" bank card“Gift” is even more of an opportunity, because it can be exchanged for:
The list of the issuer 's partners is presented on its website . Friendly organizations for Vpodarok are M.Video, Detsky Mir, Sportmaster and so on.
The exchange occurs when the product is activated in the corresponding category on the portal or by calling 8-495-120-36-50.
The procedure for choosing an alternative on the product website looks like this:
The face value of the card varies from 500 rubles to 50,000 rubles. It is important for a Vpodarok user to remember that:
If the face value of Vpodarok is not enough, you can pay with any convenient way. But if there is more money on the account than necessary, then the balance is not returned. After use, the card is withdrawn.
It is possible to purchase both rechargeable and non-rechargeable prepaid cards. In the first case, MasterCard with a limit of 100,000 rubles allows cash withdrawals.
A significant drawback of the proposal is its territorial limitations: the bank operates in the Republic of Tatarstan. Using cards outside of the UK may incur additional costs.
The variety of offers of bank prepaid cards is amazing. The most interesting proposals are:
The main differences between the gift cards of these banks lie in the area of discounts and privileges. Each bank has its own list of trade and other organizations associated with it, where there are individual discounts for purchases and their own service privileges.
Many of our fellow citizens have preserved the tradition of giving each other money for various holidays to this day. And today there is unique opportunity not just give money, but a prepaid debit card with a certain amount in the account. Of course, not all of our fellow citizens use this method, probably for the reason that they do not know what a gift bank card is. Let's try to understand this issue, and also consider why plastic is needed, how to use it, all its advantages and disadvantages, design methods and much more.
Most of us are used to the fact that the bank offers only two types of cards - these are credit and debit. They are not much different from each other, the main difference is only that credit card allows its holder to use borrowed bank funds, a debit card is needed solely for the storage and movement of their own savings.
A bank gift card is a prepaid plastic card, it is not named and is intended for performing various debit transactions within the paid limit. From this we can conclude that you can get a card only if you pay its full cost.
Unfortunately, not all banks offer this product to their customers. But there are a number of Russian banks, we will consider them later, which nevertheless have such a card in their product line. A bank gift card can be purchased as a gift for any holiday, the plastic denominations are also different. In order to receive this banking product, you need to pay the nominal value, that is, the amount that will be stored in the account, plus pay extra for issuing this card, then pick up the envelope with the PIN code and the plastic itself.
Otherwise, prepaid gift cards are no different from other bank plastics, they have standard shapes and sizes, it shows the logo of the issuing bank and the face value, that is, the amount that is stored in the account. It is equipped with a microchip or magnetic stripe, has a security code for paying for goods and services on the Internet. Usually such cards are issued Visa system or MasterCard.
Usually any plastic needs to be ordered in advance, because a certain time can be allotted for its manufacture. Although, given that the gift plastic is unnamed, then the bank certainly provides an opportunity to receive it on the day of application. In any case, all conditions of release and service are subject to personal conditions. financial institution. Now consider several banks that allow you to issue this financial product.
Most big bank in our country provides its customers with the opportunity to receive a prepaid Visa card, the main terms of service are as follows:
Please note that the card has a limited expiration date, that is, you can use the face value only for 1 year after plastic activation.
So, this Visa gift card is an ideal option for a gift, here you can buy a card without providing any documents with a face value of 1,000 to 15,000 rubles. The card is unnamed and is not illuminated by a chip. However, on the reverse side there is a CVV code that allows its holder to pay for goods and services on the Internet. By the way, this plastic is not suitable for withdrawing cash, only for paying for goods and services. Among other things, it is still impossible to replenish these cards.
Please note that at the moment the release of gift plastic is temporarily suspended.
This is one of the Russian commercial banks that offer the widest range of plastic cards, with credit limit and without it. Among other things, in the product line of this bank there is a gift prepaid card from the MasterCard system. According to the terms of service, its currency is only rubles, the card is valid for one year. The face value of the card is 1000 rubles, 3000 rubles, 5000 rubles, 10000 rubles, 15000 rubles. For the release of this product, you will have to pay from 50 rubles if you place it at a point of sale. 100 rubles if you apply through the official website of the bank and 150 rubles in the offices and branches of the bank.
Gift plastic from Russian Standard Bank can be issued without documents to any third party insofar as it is one of the gift options. With it, you can pay for any goods and services, including on the Internet and any outlets where MasterCard and Visa are accepted, these cards are not intended for paying for goods and services outside of our country.
The main advantage of this plastic is that the gift card holder can receive discounts from bank partners for paying for goods up to 30%.
Gazprombank also offers its customers to issue gift plastic, its cost here is only one hundred rubles, you can buy a card without providing any documents. The card is unnamed and unembossed, it contains a security code to pay for your purchases in online stores. It is impossible to replenish the account, just like withdrawing cash, you can get this product at any branch of Gazprombank.
Alfa-Bank also provides a wide range of plastic cards for its customers, among them there is gift plastic with a face value of 3, 5, 10 or 15 thousand rubles. A fixed fee of 100 rubles is charged for issuing and servicing, you can get a card at any branch of the bank without any documents.
Debit gift cards have their own advantages:
There are a number of significant drawbacks, here the most significant drawback is that the card is one-time, that is, it cannot be replenished and used in the future, after the funds in the account run out, it is no longer usable in the future. Cash cannot be withdrawn from this card, therefore, it is only suitable for paying for goods and services at retail outlets. Moreover, most cards do not allow you to use them abroad, the possibilities of the card are strictly limited.
Thus, gift plastic is a great gift for any occasion. If you want to present a useful and memorable gift to a loved one, then a banking product is the best option for you. Despite the fact that it has several disadvantages, it still has more advantages, and besides, everyone knows that keeping funds in the account plastic cards more reliable way.
Money is the best gift, especially if you don't know what to give. Financial institutions make this gift even more interesting. In the article we will talk about what gift bank cards are, how to use them and which banks offer.
What is a gift card? This is an ordinary plastic carrier, on which a fixed amount is paid in advance. As a rule, it is impossible to replenish such cards in the future, since a separate nominal bank account is not opened for them. You can issue such a product in some Russian banks, which we will discuss next.
It should be noted that the gift bank card is not personalized, that is, absolutely anyone can use it. No documents are required for registration. Funds are deposited upon registration, the denomination is set in certain ranges or determined by the client (depending on the conditions of the bank). Such a plastic carrier has all the standard payment details: number, expiration date, CVV/CVC code. On it you can:
Gift cards cannot:
The validity period is determined by the conditions of the financial institution where the card was issued. Additionally, participation in promotions and special offers from payment systems and bank partners may be provided.
NOTE. The bank offers both regular and virtual gift cards. In the second case, the client simply receives details that can be entered when paying for goods and services on the Internet. Below will be a description of only the usual offer with the release of plastic media.
Russian Standard Bank issues gift cards in several versions. In the review, we will consider the classic and premium options. Key Features:
Please note that the purchase of the premium option is possible only with the presentation of a passport, as large amounts are credited. However, the plastic carrier is also unnamed and can be used by anyone.
Key features and benefits of this offer:
The main drawback is the impossibility of crediting an arbitrary amount. In addition, there is no single information on the validity of the card.
One of the largest private financial institutions- Bank "Opening" offers instant issuance of gift cards. Terms:
NOTE. The offer is valid only for regions and cities in which there are branches of Otkritie Bank. Such plastic carriers are not delivered by mail or courier.
The main advantages of cards of this type from Otkritie Bank:
The main drawback is the geographical limitation of the offer, since the company does not yet operate in all cities of the Russian Federation.
Gift cards from Gazprombank are issued in a special package. Documents are also not required for their registration, but for use, a signature on the back and the introduction of a pin code (issued along with a plastic carrier) are required. Offer features:
The SMS notification option is connected separately.
The advantages of the Gazprombank proposal are:
But the disadvantage here is the same as one of the proposals above - there is no clearly established expiration date.
Issues gift cards with different designs. Other features:
Discounts and privileges can be viewed at the link.
Advantages of the card from Promsvyazbank:
Flaws:
MTS-Bank also has its own kind of gift cards, which are issued in beautiful packaging, and therefore are great as a present. Their key features include the following:
The benefits of these prepaid cards include the following:
The disadvantage is the impossibility of using the card abroad.
CONCLUSION. So which bank card as a gift is in the lead? Most advantageous offer of those considered is a plastic carrier from Promsvyazbank. For the same cost of registration, it offers more denominations and design options, in addition, there are programs for additional benefits. However, if you want to replenish your account for a different amount, then it is better to stop at Otkritie Bank or Gazprombank if there is no first in your region.
