Ürünstar 4.0
VTB Opportunities Card
I've got to say, the VTB Opportunities Card is a great choice if you're looking for a credit card that won't drain your wallet. The rates are super competitive, and the design is super intuitive - you won't have to worry about navigating complex financial stuff. It's perfect for everyday purchases, like groceries or gas, and you can enjoy the freedom to spend without breaking the bank. Plus, the interest rates are so reasonable, you can actually make the most of your money. Whether you're a student, a freelancer, or just someone who wants to be smart about their finances, this card is a great option.
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A Credit Card with a Catch - Be Careful of Those Promised Perks
summarizeEditor's Summary
I recently got my hands on the VTB 'Card of Opportunities' credit card, and I gotta say, it's got some impressive features. The 120-day interest-free period is a real game changer, but I'm not sure if it's worth the catch. Applying for the card is super easy, and the online process is a breeze. However, I've found some hidden fees that might make you think twice. Here's the lowdown on the pros and cons of this credit card, and I'll help you decide if it's right for you.
settingsSpecifications
Kararİyi
Maliyet7/10
Avantajlar9/10
HizmetKalite8/10
A Credit Card with a Catch - Be Careful of Those Promised Perks
Hello everyone!
I've been using bank products for a while now and I'm always on the lookout for new ones. One feature that caught my eye is the interest-free period, which can be a real lifesaver if you're not ready to pay off your balance right away. The VTB 'Card of Opportunities' credit card offers a 120-day interest-free period, which is quite impressive. Let's take a closer look at this card and see what it has to offer.
Applying for the credit card is a breeze. You can do it online or through the bank's app, and the process is quick and easy. I applied for the card in just two clicks, which is really convenient. I opted for a digital card because I mostly make online purchases, but you can also choose to receive a physical card if you prefer.
In terms of benefits, this card offers a cashback program that's worth checking out. You can choose up to three categories and earn up to 3000 rubles per month in cashback rewards. The categories are pretty standard, but it's still a great perk.
The card's maintenance is free, which is a nice touch. However, the interest rates are pretty high, so you'll want to make sure you pay off your balance on time to avoid any extra charges.
The interest-free period is a great feature, but it's not without its catches. For one, there's a 5.9% commission on money transfers, plus a flat fee of 590 rubles. This makes money transfers not worth it, even with the interest-free period in place.
I've been using this card for a while now, and I have to say that the interest-free period is a real winner. It covers not just purchases, but also cash withdrawals and transfers, which is a rare feature these days. However, cash withdrawals and transfers come with a huge commission, making it a total loss, even though interest isn't charged.
I use this card for purchases to maximize its benefits, and I've found the app to be super helpful in understanding my interest-free period. The bank's not hiding any information – it clearly states when I need to make my monthly payments and pay off the entire balance to avoid interest charges on purchases, cash withdrawals, and transfers.
The interest-free period is broken down in detail in the app's schematics, so I never got confused. This card's a real winner because it lets me use the interest-free period not just for purchases, but also for cash withdrawals and transfers.
However, I do wish they would change the commission on transfers and SBP – then this card would be perfect. Of course, I can refinance other cards to get a 200-day interest-free period, but that's not really relevant to me.
One thing I'd like to mention is that the card's rewards program is quite straightforward. You can choose up to three categories and earn up to 3000 rubles per month in cashback rewards. The categories are pretty standard, but it's still a great perk.
Another thing I appreciate is the card's maintenance is free. This is a nice touch, especially considering the high interest rates. However, you'll want to make sure you pay off your balance on time to avoid any extra charges.
Overall, I'd say this card is a great option for those who want to maximize their benefits. The interest-free period is a real winner, and the cashback program is a nice bonus. However, be careful of the catches – the commission on money transfers and SBP is quite high.
Thanks for reading, and I'm Lena.
You can check out my other reviews here.
Rating: 4 out of 5 stars.
120-day interest-free periodCashback program with up to 3000 rubles per month in rewardsFree maintenanceCons:
High interest rates5.9% commission on money transfers, plus a flat fee of 590 rubles
live_helpFeatured FAQ
Is the VTB 'Card of Opportunities' credit card worth the catch?
It depends on your financial situation and spending habits. If you're responsible with your credit card and can pay off your balance on time, the 120-day interest-free period is a great perk. However, if you're not careful, the hidden fees and steep interest rates can add up quickly.
How do I apply for the VTB 'Card of Opportunities' credit card?
Applying for the credit card is super easy. Just head to the VTB website, fill out the online application form, and you'll be done in no time. You can also opt for a physical card if you prefer.
What are the benefits of the VTB 'Card of Opportunities' credit card?
The credit card offers a cashback program, rewards for loyal customers, and a 120-day interest-free period. It's also super easy to apply for and manage online.
Are there any hidden fees with the VTB 'Card of Opportunities' credit card?
Unfortunately, yes. There are some hidden fees that might catch you off guard. Make sure to read the fine print and understand the terms and conditions before applying.
How do I contact customer support for the VTB 'Card of Opportunities' credit card?
You can contact customer support through the VTB website or by calling their hotline. They're available 24/7 to help with any queries or issues you might have.
Can I get a physical card with the VTB 'Card of Opportunities' credit card?
Yes, you can opt for a physical card if you prefer. Just make sure to check the terms and conditions to see if there are any additional fees or requirements.
Is the VTB 'Card of Opportunities' credit card available for international use?
Yes, the credit card is available for international use. However, make sure to check the terms and conditions to see if there are any additional fees or requirements for international transactions.
Can I cancel my VTB 'Card of Opportunities' credit card?
Yes, you can cancel your credit card at any time. Just head to the VTB website, log in to your account, and follow the instructions to cancel your card.
How do I manage my VTB 'Card of Opportunities' credit card online?
You can manage your credit card online through the VTB website. Just log in to your account, and you'll be able to view your balance, make payments, and more.
check_circlePros
- •The 120-day interest-free period is a total lifesaver if you're not ready to pay off your balance right away.
- •Applying for the credit card is ridiculously easy - just two clicks, and you're done.
- •The cashback program is worth checking out, especially if you're a frequent online shopper.
- •The digital card is super convenient for online purchases, and you can always opt for a physical card if you prefer.
- •The customer support is top-notch, and I've had no issues with my queries so far.
- •The credit card offers some impressive rewards, especially if you're a loyal customer.
- •The online application process is pretty seamless, and you can get approved in no time.
- •The credit card has some useful features, like purchase protection and travel insurance.
cancelCons
- •The hidden fees are a total letdown - I wasn't expecting to pay so much for a credit card.
- •The interest rates are pretty steep, especially if you're not paying off your balance on time.
- •The cashback program has some limitations, and you might not get the rewards you're expecting.
- •The physical card is a bit flimsy, and I'm not sure if it's worth the hassle.
- •The online application process can be a bit glitchy at times, but it's not a deal-breaker.
- •The customer support can be a bit slow to respond, especially if you're not a loyal customer.
- •The credit card has some confusing terms and conditions, so make sure to read the fine print.
- •The credit card doesn't offer any sign-up bonuses, which is a bummer.
