Limit:
up to RUB 300,000
Bid:
Age:
Service fee:
RUB 500 in year
AK Bars Bank is a commercial financial organization that has existed since 1993. The company provides a full range of services to private and corporate clients on the basis of license No. 2590 issued by the Central Bank of the Russian Federation. The number of individuals using the bank's products exceeds 3.1 million. About 67 thousand enterprises are corporate clients.
The regional network of AK Bars Bank includes 7 branches in Tatarstan and 5 branches in Russia, 138 additional, 88 operational offices and 24 cash desks. The head office is located in Kazan. In addition, the bank is represented in the Moscow, Novosibirsk, Sverdlovsk, Leningrad, Nizhny Novgorod regions, as well as the Krasnodar Territory.
The main services include lending, deposits, money transfers and plastic cards. Currently, there are over 1.2 million cards in circulation, which are used by residents of all of Russia. You can apply for a credit card of AK Bars Bank at the nearest office of the company, having demonstrated the necessary documents. Corporate clients are offered a wide range of services, which includes cash settlement services, investment project financing, safe deposit boxes, business loans, plastic cards, payroll projects and much more.
The financial performance of the organization for the second half of 2017 is more than favorable. The bank ranks 24th in Russia in terms of its own assets, and 83rd in terms of net profit. The international credit rating is B2 with a Stable outlook (high credit risk).
Credit cards
Plastic cards with a limit are not a priority for a financial organization, therefore, customers are offered the only option - the "Trust" Tariff. You can fill out an online application for a credit card of AK Bars Bank on the organization's website by filling out a questionnaire and attaching the necessary documents.
"Trust"
The credit card offered by the bank has very good lending conditions - a large limit, a moderate rate and a low cost of annual service. It is issued by the international payment system MasterCard or Visa in three categories - "Nameless", "Classic" and "Gold". The unnamed card is issued instantly, which is a big plus, in addition, it has a lower service cost. The only disadvantages include the fact that difficulties may arise when used abroad.
Brief conditions for the tariff:
- Service - from 500 to 2,000 rubles per year, depending on the category of the card;
- validity period - 24 months;
- the amount of the provided credit limit - from 10,000 to 300,000 rubles;
- interest rate for using a loan - 27% per annum at all rates;
- grace period rules - no interest is accrued for 56 days when making purchases;
- the size of the commission for withdrawing funds - 3.9% of the amount, but not less than 300 rubles;
- repayment terms - 5% of the limit and interest for the billing period.
A huge advantage of bank credit cards is the availability of all modern technologies. Thanks to PayPass / PayWave technology, you can pay for purchases with one touch without entering a PIN. Also, plastic has a 3D-Secure protection program, which allows you to make secure transactions on the Internet. A set of these options is present even on the simplest unnamed cards.
There are no additional payments by credit cards. SMS-informing and mobile banking are provided absolutely free of charge throughout the entire validity period of the plastic. But in case of delays, borrowers face serious fines:
- for missing one payment - 250 rubles;
- for missing two payments - 500 rubles;
- for missing three or more payments - 1,000 rubles.
In addition, a fine of 5,000 rubles is stipulated for late repayment of the loan. Also, for each day of delay, 0.5% of the debt is charged.
Conditions for receiving
Clients who meet the requirements of a financial institution and who have submitted a full package of documents can apply for a credit card of AK Bars Bank with an instant decision. However, this does not guarantee that the bank will give a positive answer to your application.
Requirements for clients:
- the permissible age at the time of application is from 21 to 65 years old;
- Russian citizenship;
- official employment;
- minimum length of service - 6 months at the current place of work;
- permanent registration in the city of receiving plastic.
Package of documents:
- an application completed in the form of a bank;
- passport;
- an additional document for the client's choice (passport, TIN, insurance certificate, insurance policy, driver's license);
- income statement (2-NDFL) or statement from a salary card;
- income declaration (for individual entrepreneurs).
When registering, potential clients should take into account the fact that applications for a card are considered only if the borrower is a client of the bank. Credit cards are issued only to participants in the salary projects of AK Bars Bank. The decision on the application is made within a few working days. After that, the borrower is invited to the office to sign the agreement.
Bonus program "Company friend"
The only loyalty program of AK Bars Bank is “Friend of the Company”, according to which the owners of plastic cards can receive points for purchases from partners of a financial institution. In order to accumulate bonuses, it is not necessary to pay for the purchased goods with a card, it is enough just to show the cashier the plastic issued by the financial organization AK Bars.
The accumulated bonuses can be paid off from partners. The conversion rate is 1 to 1, that is, 1 point = 1 ruble.
List of current promotions:
- up to 6.5% discount on fuel purchase at Tatnefteprodukt and Avtodorstoy filling stations;
- 6% discount when refueling with gas at Tatnefteprodukt filling stations;
- 10% discount at the "Divan" cafe;
- 10% discount at Granta insurance agency;
- 5% discount in the "Wallpaper World" store.
The full list of partners and the amount of the discount provided can be found on the loyalty program website.
Private Banking for VIP clients
For clients who value exclusivity and a high level of service, AK Bars Bank offers VIP service. The service is presented in two packages - "Person" and "Person plus". Within the framework of each tariff, the client will receive maximum benefits and will be able to use the additional services of the organization on favorable terms.
The "Persona Plus" package is:
- Premium bank cards. Customers are offered Visa Infinite cards with the possibility of issuing additional cards with an account in a foreign currency (euros or dollars).
- Special exchange rate. Preferential terms for currency conversion.
- Line of deposits with increased interest... The most favorable conditions are selected for each client, which help to provide additional income.
- Credit programs... An overdraft with a low interest rate can be set for premium credit cards.
- ProfitableCash Back. When paying for purchases by card, 1.25% of the amount is returned. Up to 60 thousand rubles can be returned per year.
- Insurance programs. Clients can take out accident insurance, purchase protection, financial risk protection. There is also an insurance program "Traffic inconvenience", medical and legal support.
- Concierge service. The service operates anywhere in the world and includes the organization of cleaning an apartment or house, booking tickets, booking a hotel, searching for events and much more.
- Priority Pass... Having a Priority Pass card allows free access to the lounges at airports located around the world. In total, more than 1,000 airports are participating.
