MTS Money cards: conditions and tariffs, design features, customer reviews

MTS Bank strives to satisfy the needs of its customers by improving offers and simplifying the conditions for using payment instruments. The financial institution offers to quickly get a loan for your needs by applying for a Weekend.

Application for opening a card

Each credit product has its own benefits and penalties in case of non-fulfillment of obligations, so you should first study in more detail the agreement on the provision of a payment instrument. To receive an MTS Smart-Money card, you need to contact the company’s office or fill out an application through Internet banking.

Types and advantages of MTS Money cards

All bank cards of MTS Bank can be divided into three groups: debit, credit and virtual. Their main difference is that they are designed for different purposes. The first subtype allows you to use only personal funds, but the second also allows you to use borrowed funds; with the help of the third product you can safely make purchases in online stores.

Types of debit cards:

1. MTS Money Weekend is a classic card with cashback up to 5% for each purchase and interest on the balance up to 6% per annum.
2. MTS Money Weekend 14+ is a product created specifically for teenagers over 14 years old.
3. MTS Money Premium is a card with additional privileges in the form of access to business lounges and additional travel insurance.
4. MIR is a free card issued to employees of budgetary organizations.

Their main difference is in the tariff plans and service features. You can get cards either at a bank branch or by filling out an application on the official website.

Types of credit cards:

1. MTS CASHBACK is a plastic card with the most convenient grace period of 111 days and free maintenance for a year.
2. MTS Money Weekend is a credit card with a favorable interest rate and cashback of up to 5% in four categories.
3. MTS Money Weekend for salary clients - offers its holders free service in the first year and a good credit limit.
4. MTS Money ZERO is a card with no interest for use (if there is no debt) and increased cashback when making purchases at the MEDSI clinic.

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Credit cards from MTS Bank are one of the most profitable offers on the market, because, in addition to a long grace period, the client receives cashback for their own purchases and free annual maintenance.

Digital maps are divided into the following types:

1. MTS Money debit virtual card with free issue, annual maintenance and no restrictions on turnover.
2. CASHBACK Weekend card – a card with increased cashback up to 25% per annum.

Most often, digital products are released to additionally protect customers’ personal data when making purchases on the Internet.

Additional options

They are necessary to gain access to all features of the banking product:

1. Mobile. Allows you to return 3% of the amount spent to an MTS phone number.
2. Shopping. Refund of 3% of the amount spent on business needs. The maximum refund amount is 1,500 rubles per month. The bonus can be received when making purchases of 15,000 rubles or more.
3. Trips. Earning points for purchases abroad and in Russia.
4. Cumulative. To accrue interest, you must maintain a minimum balance on your card account of 1,000 rubles.

Features of design and re-release

There are two options for card design:

• offline – in an MTS branch or store;
• online – on the bank’s official website.

In the first case, you need to contact an employee with your passport and express your desire to apply for an MTS credit or debit card. Together with you, he will fill out a short form, and after approval, he will give you a plastic card without a name. If you wish, you can order a personalized card, but it takes MTS Bank from 5 to 14 days to produce it.

Filling out an online application on the website is almost identical for both debit and credit cards. The difference is that in the second type you need to indicate the required credit limit, salary amount and information about the place of work.

Procedure for filling out an application:

1. Enter your full name, phone number and e-mail in the form at the bottom of the page.

Filling out an online application for a loan 2. You will receive a code on your phone that you must enter in the field of the same name.

Entering the sent SMS code

3. Enter the required personal data on your passport.

Client personal data

4. Submit your application for consideration.

The last stage of card registration

Information about approval will be sent to the specified phone number. Depending on the type of plastic chosen, you can receive it in 1–14 days.

The conditions for obtaining a virtual card are slightly different from the usual, classic ones. To open it, you do not need to fill out forms or sign applications; details can be received within 5 minutes to the bank client’s phone number.

How to fill out an online application for a virtual MTS Money card:

1. Download the MTS Bank application.
2. Enter the username and password that were generated when you received the card.
3. In the “Maps” section, find the “Virtual Card” tab.
4. Click on the “Release” button and fulfill all the service requirements.

Within 1–5 minutes after registration, the details will be sent to your phone in the form of SMS.

Required documents

When applying for a card, you may only need a passport of a Russian citizen with permanent registration.

Put money on MTS, transfer money

There are often times when it is necessary to transfer money to MTS via a card. This may be needed for:

• purchasing a particular product (payment to the seller’s card);
• to pay for a particular service;
• to pay off a loan, etc.

It often happens that you need to transfer funds to friends, acquaintances or relatives. In addition, today many people top up their mobile account using a card. This is not only convenient, but also profitable, since the transfer fee is less than through a terminal. So, any translation can be done in several ways:

• through the official website;
• at a bank branch;
• through a special mobile application for iOS and Android platforms.

All methods are simple and clear, so anyone can send money. It is noteworthy that using this plastic card you can pay for goods from any stores, including foreign ones. There is no need to pay with high commissions through the terminal.

Tariffs and conditions for MTS cards

Each card has its own individual terms of use, which can be found on the bank’s official website. It will be possible to compare all banking products only within a specific group, so we will conduct an analysis separately for debit, credit and virtual cards.

Tariffs for MTS Money debit cards

Tariffs for MTS Money credit cards

Tariffs of MTS Bank virtual cards

Credit limits, grace period and interest

The most profitable credit card of all those considered can be called MTS CASHBACK. The bank offers one of the largest credit limits - 111 days, during which no interest is charged on the debt. Another advantage of the product is free annual maintenance, which allows you to save significantly.

“Weekend” offers a good credit limit, but only for salary clients. If desired, each employee can contact his employer’s accounting department and fill out an application to transfer his salary to another bank.

In comparison with others, “MTS Money ZERO” can be considered the most expensive in the entire line of credit cards. Even despite the low interest rate and a good grace period, 30 rubles will be debited from the client daily if there is active debt. You will have to pay 900 rubles for a month, and 10,950 rubles for a year, which is 12 times more than the MTS Money Weekend service.

Getting cashback

Connection to the program is carried out automatically when the card is activated. For purchases made in special categories, the client receives 5% per annum, for all other payments - 1%. Cashback is awarded in rubles, the monthly maximum amount for Weekend cards is 3 thousand rubles. For MTS Cashback is more - 10 thousand rubles, but you can only spend it on paying for mobile communications or making purchases in mobile phone stores.

How to close a card

To terminate the agreement with the bank, you must fully repay the debt and visit the nearest branch with your passport. After signing the application to close the account, the card will be cancelled.

How to deposit or withdraw money

You can cash out your funds at any ATM in the country for free. But abroad you will need to pay a commission - 1%, but not less than 100 rubles. The commission for withdrawing borrowed cash from an MTS credit card is 3.9% + 350 rubles, the only exception is the MTS Money ZERO plastic card. You can receive no more than 50 thousand rubles per day, and up to 600 thousand rubles per month.

Balance replenishment is possible through ATMs, electronic wallets, mobile phone and equipment stores, and Russian Post.

Apply for a credit card

Card activation procedure

To activate the card, you need to call the hotline number: 8 (800) 250-0-520, after the autobot answers, press the “1” button. Then enter the code that will be sent to your phone as an SMS message. The next step is to enter the PIN code you created. After approval from the autoinformer, you can start using the card.

Pin

Experts do not recommend using your year of birth or a combination of repeating numbers as a PIN code. It is also unsafe to use identical passwords for all bank cards.

Card replenishment methods and cash withdrawals

You can withdraw money from debit cards without commission at MTS Bank ATMs and partner terminals. As for credit cards, this function is available only to holders of the “Money ZERO” plastic card; in all other cases you will have to pay 3.9% + 350 rubles for each transaction.

Receiving funds is also possible using virtual cards, but provided that the ATM is equipped with NFC technology.

You can top up your plastic account in any convenient way (for ease of reference, information is given in the table).

Cashback from partners

With MTS Bank cards you can receive an increased cashback of 5% for purchases at gas stations, supermarkets and cinemas, 8-9% at the Medsi clinic and 1% for all other transactions. By making monthly expenses in these categories, you can save 3-10 thousand rubles. The reward is received every Friday into the savings account.

You can get 5% in special categories and 1% for each purchase with the following cards:

1. Virtual MTS CASHBACK Lite.
2. Credit MTS CASHBACK, MTS Money Weekend classic and for payroll clients.
3. Debit MTS Money Weekend and Weekend 14+.

CASHBACK credit and virtual cards boast the largest cashback of 25% on purchases from partners.

People says

It’s no secret to any of us that there are so many opinions on any subject. Like any banking product, MTS Money is a card, reviews of which vary, but have a more negative connotation. All of them are based mainly on human errors: they did not carry out the procedure for closing the card properly, did not keep track of which paid services were connected and did not disable unnecessary ones, inattentively read the service agreement or did not read it at all, did not thoroughly study the tariff table, lost PIN- code and paid money for re-issuing the card and much more.

Therefore, if you decide to become a holder of this card (as well as any other credit card), follow the main and important advice: study all the details “from” to “before” taking it. Then you will not get into an unpleasant situation and will get maximum benefits when using it.

How to close a card

To close a card account, you need to visit the nearest branch and communication center with your passport and sign the appropriate application. In the case of a credit card, you need to pay off the entire debt in advance. The card will be canceled within 5-7 days.

If it is not possible to go to the bank, you can close the MTS Money card via the Internet.

statements

Fill it out and send it to the Federal State Unitary Enterprise Russian Post at the address: 115035, Moscow, st. Sadovnicheskaya, 75 by registered mail with declared value. After receiving the form, the card will be closed, you will be informed about this via SMS message.

Reviews from cardholders

Maria, Moscow. In the capital, it seems to me that you can’t do without a credit card. I use two, Alfa Bank and MTS Bank, but in comparison I still like the second one. In the first case, I pay 2 thousand rubles a year, in the second - 0 rubles. Plus, it’s a convenient application, and also a good cashback. Considering Moscow prices, I always collect the maximum possible amount per month.

Andrey, Rostov-on-Don. I have been a regular customer of the bank for three years now and receive various lucrative offers every month. I fell for one thing and got myself a “Weekend” debit card with a 5% cashback. It’s very convenient, because I leave almost 60 thousand a month in restaurants and gas stations. I also have a Zero credit card, but I rarely use it, because 30 rubles a day is a robbery, most often I withdraw money from it if I urgently need it.

Violetta, Sochi. I don’t like all kinds of plastic cards, but since I trust MTS Bank, I decided to get two Weekend cards at once - a debit and a credit, especially since their annual service is free, and the cashback is good. I purposefully use it only at gas stations, cafes and cinemas in order to get 5% back. Otherwise I always use cash. I used the credit card only once, when I celebrated my birthday in a restaurant, then I received 1,575 rubles in cashback from one check.