Credit card renaissance bank conditions. Credit card from Renaissance Credit Bank. How to repay a loan at Renaissance Bank

Renaissance is a leader in attracting and servicing individuals. The bank is a leader in the lending sector for citizens of the Russian Federation. In any Renaissance branch, you can get a consumer loan, credit card, deposit or other banking product intended for an individual.

Today, the bank serves more than 8 million clients, throughout Russia (in 156 regions) there are more than 57.5 thousand points of sale, 156 branches.

Conditions

Renaissance Bank invites all interested citizens of the Russian Federation to issue a credit card as soon as possible.

The bank offers a lot of advantages over other financial institutions:

• persons from 24 years old can become a cardholder;

• the bank sets a limit on the card, taking into account both official income and additional income, which cannot be documented at the time of application;

• the interest-free period reaches 55 days;
• card limit can reach 300 000 rubles;
• Renaissance offered an interesting bonus program;
• free top-up and much more.

How to apply for a Renaissance credit card?

Making a card in the Renaissance takes a minimum of time.

To do this, you need to take only three steps:

1. Fill out an application online or go to any branch of a credit institution and write an application with your own hand.
2. Wait for an answer from the Renaissance.
   

   In most cases, the bank makes a decision within one hour.

   The client receives an SMS notification.

3. Go to the bank office and issue a card by providing documents. This procedure takes no more than a quarter of an hour.

Online application

In order not to go to a bank branch several times, you can fill out an application online and wait for a response from the bank.

Such a questionnaire usually indicates the full name, contact and passport details, citizenship, monthly income.

Please note that you must provide reliable information, otherwise the bank will refuse to issue a card.

Kinds

The Bank issues various types of cards: classic, gold. Renaissance issues cards of the famous payment systems Visa and Master Card.

The table shows the main types and types of credit cards from the Renaissance:

Please note that the tariffs given in the table are valid from 03/18/16, but can be changed by the bank without the consent of the client.

How to activate?

Before receiving a card from a credit institution, a bank client undertakes that he will not use a credit card until it is activated.

If the client does not adhere to this condition, the bank regards this as a violation.

To activate the Renaissance Bank card, you need to call the hotline of a credit institution and give personal data (full name, passport number, registration, residential address).

Do you want to know under what conditions and at what percentage a Sberbank credit card is issued for 50 days? In ours, you will find answers to your questions.

If you are interested in the issue of obtaining, then you just need to follow the link provided and read the article.

Interest rates

Interest rates depend on the type of issued card, as well as on the solvency of the client, their ability to correctly use the interest-free period.

If we talk about the most popular credit card issued by Renaissance, then the usage fee is 36% per year.

However, the full cost of the loan varies from 1 to 43% per year.

Bank requirements

Renaissance prescribed simple requirements for individuals wishing to get a credit card, the main ones are:

• citizenship of the Russian Federation;
• Client's age is 24-65 years;
• permanent registration on the territory of the Russian Federation;
• work experience - from three months;
• solvency - from 8 000 rubles per month, with the exception of metropolitan residents - from 12 000 rubles per month.
• have a valid mobile phone.

You should also know that you can apply for a card only in the region of permanent registration, or in the region where the work is located.

Documentation

Individuals can apply for a card at any Renaissance Bank branch. To do this, you must fill out an application on the bank's website, or write an application in your own hand at the office of a credit institution.

After that, the following documents should be submitted to the credit manager:

• passport;
• documents confirming solvency.

In exceptional cases, the bank may request other identity documents (foreign passport, student card, insurance policy, driver's or pension certificate).

How to withdraw cash?

After activating the card, the client can pay in a non-cash way, or cash out credit funds.

No commission is charged for cash withdrawals by Renaissance Bank. This is one of the main advantages of a Renaissance credit card, thanks to which most customers stop at this particular bank.

You can withdraw cash from a credit card at ATMs or cash desks of Renaissance Bank.

Please note that the commission is not charged only when withdrawing cash from a credit card in Renaissance Bank, in other credit institutions, it is set according to the bank's tariffs.

Timing

Renaissance Bank employees assure that it is possible to issue a card within 15 minutes (after providing a package of documents and approving the application).

Application processing takes no more than an hour, after which the client is expected at the office of a credit institution to conclude an agreement and issue a credit card.

The credit card itself is issued for two years, after the expiration of the term - reissue.

To the main card, the client can order an additional credit card. The release period is the same as the main one.

And the proposals of large Russian banks on are presented at the link.

Redemption

Credit card repayments must be made on time and in full.

For violation of this service point, the bank charges a fine of 750 rubles.

Credit card payments must be made at least once a month.

You can redeem the card in any convenient way:

• through self-service terminals;
• transfer from one card to another;
• at the cash desks of the bank;
• through a QIWI wallet;
• using the Eleksnet payment system;
• in Euroset;
• through other financial institutions.

But it is worth remembering that some methods, such as repayment through other credit institutions, involve an additional commission.

Advantages and disadvantages

A credit card from Renaissance Bank has a lot of advantages, which we will discuss below, but along with them there is a huge drawback - a high percentage for use.

Despite the fact that the bank prescribes a rate of 36.0% per year, in reality it can range from 1.0 to 43.0% per year.

In addition to high interest rates, the bank, quite often, in an intrusive form or without mentioning at all, activates additional paid services, such as insurance, card statements, etc.

As for the clear benefits, it should be noted:

• interest-free period - 55 days;
• commission for cash withdrawal - 0;
• issuance of the main and additional cards - 0;

• a bonus program that allows you to save, the bank returns 1-10% of the cost of each purchase to the card;

• replenishment of the card - no commission (not all methods);
• credit card processing - 15 minutes.

The financial institution specializes in consumer lending to the population. There are different tariff plans on the site. In addition to consumer loans, plastic cards are available to citizens. An application for receiving a means of payment can be submitted at the office of the organization and remotely. Conditions for Renaissance Bank credit cards are determined during the verification of the recipient's documents. One of the key points is the credit limit.

Application for a card

Renaissance Bank offers the population only one credit card. Its owners can pay for goods and services, withdraw cash, make money transfers, and pay utility bills. You can get a payment instrument on the day of the application. Credit card service is free. Commission for non-cash payments is not withheld. The card has a bonus program. After each purchase, the owner of the credit card is charged from 1 to 10% of the value of the goods.

The available limit is 200 thousand rubles. The grace period is 55 days. The interest rate on the loan is 19.9% ​​per year. The monthly installment is 5%. Commission for cash withdrawal - 2.9%.

Internet banking service is provided free of charge. The application can be downloaded from the Play Store. The cost of the "SMS notification" service for current transactions is 59 rubles. per month Notification of the required payment is free of charge.

You can also apply for a Renaissance bank credit card on the organization's website. In the online form, you must specify:

1. Phone number.
2. E-mail address.
3. Region of receipt of payment means.

For 2019, Renaissance Credit Bank offers issuance of only one type of credit card. What features does the means of payment have, how to apply for its issuance, what terms of use and interest rates are offered. The features of the design of plastic are described in detail in this material.

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CB Renaissance Credit was founded in 2003. In addition to issuing cards with a loan limit, a banking institution offers the issuance of debit means of payment, consumer lending, and placement of deposits. The organization is one of the most reliable financial structures in Russia and has a high reputation among customers, it is included in the TOP-100 of the best banks in the Russian Federation, which serves about 9 million citizens.

On the territory of the country, 156 branches of Renaissance Credit Bank have been established in 65 regions of the Russian Federation with 73,941 public service points.

The company cooperates with partners - communication networks, where the provision of credit banking products is organized, among them are Eldorado, Beeline, Svyaznoy, Euroset, M.Video, Media Markt.

The Bank is presented with high indicators by international rating agencies that analyze the financial activities of credit institutions, such as Standard & Poor's - B-, Moody's - B3.

In terms of the volume of loans issued, Renaissance takes 21st place in the All-Russian rating, the bank occupies 71st place in the rating of the largest in terms of capital and 64th in terms of equity, 34th in terms of the amount of attracted own funds of citizens.

The Bank participated in the National Award "Company of the Year 2012" organized by the RBC Group in the "Dynamics and Efficiency" nomination.

In the same year, the success was noted by Forbes magazine, and the credit offer for Transparent cards was named the leader in this area.

Peculiarities

Among the advantages of the Renaissance Credit card offer with a loan limit are:

• interest-free loan period for 55 days;
• revolving line - upon repayment of the entire amount of the debt or a part, the limit amount is replenished to the initially approved indicator;
• connection to the Pleasant Joys bonus program, the terms of which can be found on the bank's website;
• the possibility of repaying a loan without commissions and interest for transferring funds in certain ways.

Accumulation of points within the framework of the offer "Pleasant joys" is carried out on the following conditions:

• from 1% to 10% is returned to the card when paying for goods and services at the expense of credit funds in a non-cash way, the list of categories is constantly updated on the web resource of the credit institution;
• when making purchases, the bank can return up to 100% of the funds spent to the account, it is enough to accumulate from 300 points and select a product in a certain category;
• you can spend the accumulated points when planning expenses in the following ratio: 1 point is equal to 1 rub.

It is possible to pay for Mobile communications or housing and communal services at the expense of bonuses on the Renaissance Credit client's account.

Discounts and miles from airlines are not available for points. When planning expenses in this way, it is recommended to turn to loan offers from other banks working on partnership programs with air carriers and stores using such a system.

Calculating the savings under the bonus program is quite simple. It is enough to go to the official Renaissance Credit web resource and enter the necessary data: the amount of expenses from the credit card and the category of goods planned for purchase.

You can check the status of the bonus account in the Internet bank or the Renaissance Credit mobile application.

You don't need to sign up for the Joy of Life program. It is enough to become the owner of the Transparent credit card.

Terms and interest rates

The limit of credit funds available on the card is set at up to 150,000 rubles. The exact amount is determined by the bank individually based on the borrower's credit history, solvency, and work experience.

The issue and maintenance of the card is free of charge.

The annual interest rate for the Transparent card is 25% per year. When cashing out, the rate increases to 30%.

For the conversion, 3% of the transferred amount is withdrawn.

At the request of the client, it is possible to connect to the personal insurance program at a cost of 0.8%, against job loss - at a rate of 0.9% per year.

Loan repayment is possible both without charging a fee, and with the withdrawal of a commission in the following ways:

1. Transfer from card to card. Withheld 0.95% of the amount sent.
2. MKB terminals. 1% on Renaissance Credit Bank card.
3. Eleksnet. Charged up to 1.98%, but not less than 30 rubles.
4. QIWI. The minimum commission is 100 rubles, 1.6% of the amount sent.
5. Euroset. From 1%, restrictions from 50 to 200 rubles.
6. Regional Payment System, Free Cashier, Expresspayments, Quickpay. 1% is charged, but from 50 rubles. Payment is credited 3 working days.
7. Atlant, Contact, Beeline, Golden Crown, MVideo, MTS, TechnoSila, Electronic Square, Rostelecom, Eldorado, Megafon - 1% from 50 rubles. Translation time 1-2 days.

Documents to receive

The advantage of the bank's lending program is the provision of a minimum package of documents for processing the service - a passport of a Russian citizen is enough. It is not necessary to conclude contracts for collateral and guarantee.

Borrower must be between 21 and 65 years of age. Requirements for income: at least 12,000 rubles. for residents of Moscow, and from 6,000 rubles. for the regions.

The length of service at the last place of work must be at least 3 months. All this information is checked by the bank independently, you do not need to provide a certificate.

It is obligatory to indicate the mobile phone number in the questionnaire - without this requirement, a positive decision is impossible.

Additionally, at the request of the client, in order to reduce the interest rate, you can provide one of the documents to choose from:

• driver's license;

• diploma of graduation from the university;
• personalized accumulative, salary or other debit card opened with Renaissance Credit or another bank.

Registration is required at the location of the branch of the financial institution where the application for issuing the card is submitted.

How to apply for a Renaissance Credit card

There are several ways to send a borrower's questionnaire:

• by filling out an electronic form online on the official web resource of the financial institution;
• by calling the bank's hotline;
• at Renaissance Credit.

The card is issued on the day of application.

Grace period

The period of interest-free use of the bank's funds extends to 55 days during the reporting period. The period is interrupted when the entire loan amount or part of the loan is withdrawn in cash. This means that the client can spend the funds within 30 days with the need to return them within the next 25 days.

Cash withdrawal

According to the bank's tariffs, a commission is charged for cashing out in the following amounts:

Are you thinking about applying for a credit card at Renaissance Credit Bank? This article will help you find out the basic conditions for its provision, maintenance and repayment.

Credit card Mastercard World from Renaissance Credit

To date, there is only one type of credit card. It can be easily issued via the Internet and when visiting a bank. It also allows, if the funds are returned during the grace period, not to pay interest on the loan.

You can form the positive sides of the card:

• Free release and maintenance, which saves money;
• You can get a card an hour after consideration, so borrowers can very quickly receive the first funds on the loan;
• The possibility of free replenishment, which allows you to pay only interest, and not additional commissions;
• If you return the loan funds quickly, you can not pay interest;
• Bonus features;

And disadvantages:

• If you delay the payment, you will have to pay rather high interest, especially when withdrawing cash;
• Large commission for the issuance of cash, which does not exclude interest;
• Paid replenishment of accounts through third-party terminals and banks.

Current rates

• The interest rate varies from 19.9% ​​to 45.9% per annum depending on the chosen tariff plan. Please note that when withdrawing cash, the interest is much higher;
• Issue and maintenance are free of charge, you just need to bring basic documents
• An individual limit of up to 200 thousand rubles is proposed, it will depend on the number of documents provided, the status of the client and his income;
• There is a grace period without interest accrual up to 55 days; please note that actual duration may be less as 55 days is the maximum grace period
• It is necessary to make a monthly minimum payment of 5% but not less than 600 rubles;
• Commission for cash withdrawal - 2.9% plus 290 rubles;
• Replenishment occurs without commission on the bank's website or in the terminals of its branches;
• Issuance is carried out instantly, i.e. on the day of application;
• There is a bonus program "Simple Joys", thanks to which for purchases you can get up to 10% of the amount spent on your account in the form of points.
• For monthly payments of 50 rubles, you can issue SMS notifications
• Issuance in almost all branches
• In case of delays, you need to pay an additional 20%

We also recall the requirements that apply to the borrower:

1. Age from 21 to 65 years;
2. Possession of Russian citizenship and permanent registration;
3. Income is needed at least 8 thousand rubles a month (for Moscow - from 12 thousand rubles);
4. Current work experience cannot be less than 3 months;
5. The client must have a personal mobile phone

There are many ways to replenish your account in order to return credit funds. But most of them, which are carried out through third-party banks, require the payment of commissions. From the documents you will need a passport and another document to choose from (driver's, pension, TIN, passport, etc.), proof of income is optional.

Registration takes place on the official portal rencredit.ru. On the Renaissance Credit Bank website, it is possible to apply online for a credit card online using this link, so as not to wait in long bank lines.

Renaissance-Credit is engaged in the issuance of 4 types of credit cards, some of which are widely known: "Corn", "Transparent", "Transport" and "Express".

We wrote about the "Corn" card in the article. It is issued in the Euroset using only one passport in 5 minutes.

It is completely free of charge (no annual fees need to be paid), includes free SMS notifications about completed transactions. With all this, it maintains its own bonus system, the points of which you can then accumulate and profitably exchange for discounts in partner stores.

Registration

The process of applying for a credit card is of 2 types:

• Standard - when contacting a bank branch.
• Advanced - when sending an application form on the official website online.

It does not matter which method you have chosen - an online application for a Renaissance Credit credit card or a personal visit to the bank, the application is usually considered in 2 days, and you will be informed of the decision by the phone number you specified in the questionnaire.

If you receive a positive response, then in 2 weeks the credit card will be delivered to your address at a convenient time.

Card types
Express credit card	Grace period: up to 55 days Service: 600 rub. in year Bid: from 42% per annum Limit: up to 300 thousand rubles
Credit card "Transparent"	Grace period: up to 55 days Bid: from 24% per annum Service (from 2 years old): 900 rubles/year Limit: up to 300 thousand rubles

Terms of receipt

• The age of the holder can be no younger than 20 and no older than 79. Note that in other financial institutions the maximum age is lower - usually up to 60-65 years.
• The client's passport must be Russian, as well as citizenship.
• The cardholder is required to have a permanent registration in the region of the functioning branch.
• Work experience - from 3 months in one place without breaks.

Important information: for residents of Moscow, the minimum monthly income is 10 thousand rubles, and for other residents of the Russian Federation - at least 6 thousand.

If you're interested, the best reviews after the Renaissance received a card from.

Credit card Renaissance "Transparent"

It allows the holder to both spend and earn. Its limit is 300 thousand rubles, it is renewable and the money on the card can be used many times, the main thing is to pay off the debt on time.

There is a grace period when interest on the use of funds is not charged. If the borrowed money is returned to a credit card before the 25th day of the next month, then the rate will be zero. However, the grace period does not apply to cash withdrawals.

The CashBack system is used. This means that you will be refunded part of the money spent on purchases in partner stores and during relevant promotions. Usually this very part of the money is 1-10%. But sometimes it can be increased.

Debt repayment is carried out through Euroset points free of charge or using the Eleksnet system.