Avangard Bank began operating in Russia in 1994. It is a universal institution, today it provides complete list financial services population, entrepreneurs and large legal entities, organizations and enterprises. Among the products most demanded by Avangard Bank customers are credit cards, deposits and consumer loans, as well as settlement and cash services.

Types of credit cards

Upon an online application or during a personal visit to one of the numerous offices of Avangard Bank, a client can issue a credit card:

. - standard cards for paying for purchases with a choice of "plastic" design. Parameters: interest-free cash withdrawal from ATMs anywhere in the world, secure transactions, filing via the Internet or a written application. Conditions - the interest-free period of this Avangard bank credit card is 200 days, which is very convenient, judging by the reviews, registration in 5 days, free remote Internet banking around the world and SMS informing.

. . Grace period after registration - 200 days, then - 50 days, accumulation of bonuses under the Visa Bonus program, receiving discounts in the discount program, issue within 5 days.

. . Parameters: grace period 50 days, maintenance cost is 1100 rubles annually, refund of part of the payment (cashback).

. . Gold credit cards are issued on the following terms: premium discounts and accumulative bonus system, grace period - 200 (repeatedly 50) days, free services - SMS informing, web banking.

Additionally - Priority Pass (additional "credit cards" of international standard) as a gift, MasterCard discount program "Priceless Cities".

. Airbonus, Airbonus Premium . Accumulation of bonus miles for the purchase of air and railway tickets, hotel and hotel reservations anywhere in the world and other travel expenses.

Parameters: accrual of 1 mile for premium cards for every 30 (20 rubles for Premium series cards) payments, maintenance per year - 1000 (5500) rubles annually, multi-currency (roubles, foreign currency: euro / dollars), grace period maximum 50 days, discount programs. Additionally - insurance when traveling abroad, free "credit cards" - Priority Pass and IAPA.

. . Premium credit card for travelers with bonus program miles accumulation. Parameters: 1 mile for 30 rubles of payment, a gift of 1000 miles every year, maintenance - 1000 rubles annually, three card account currencies, 50 days interest-free period, discount and discount programs.

. . Privileged bonus card with 1% cashback on all purchases. Parameters: multi-currency, 1000 per year - service cost, 50 days of grace period, as a gift: Priority Pass additional card, medical insurance for 60 thousand euros when traveling abroad.

. . Platinum cards with VIP treatment and services. Parameters: additional contactless cards of the MasterCard Platinum or Visa Platinum system, grace period 200 (50 days), issue and issue within 5 days, bonus miles - 1 mile is given for 50 rubles of payment for purchases.

. . An elite credit card with great features: insurance for 200 thousand euros as a gift, Priority Pass access, IAPA membership, discounts in discount programs to the maximum, maintenance per year - 30,000 rubles, multicurrency, free contactless cards.

. . Card for top managers and company owners. Parameters: round-the-clock concierge system, $1 million insurance, offers in the Visa World of Privilege program, financial transactions insurance, annual maintenance fee of 30 thousand rubles, additional contactless cards.

Conditions for obtaining credit cards

The Bank offers to open a card with a credit line, subject to the following requirements:

• age limit - 19-58 years;
• mandatory Russian citizenship;
• a stamp in the passport on permanent registration in the locality where the bank's office is located;
• income statements are not required;
• No guarantors or collateral needed.

Cards have the following additional features:

• after submitting an application for a credit card at Avangard Bank via the Internet, you can check the status of the application on the website by entering the password sent to the wound in a special field;
• Internet banking is provided free of charge and allows you to receive card account statements, make payments and transfers of borrowed funds, convert money on multicurrency cards, book tickets and hotels, transfer funds to other cards and bank deposits;
• issuance of additional cards with a reduced annual service fee.

Tariffs: limit within 50 thousand rubles for standard cards (except for premium ones), no interest is charged on the balance of funds, rates depending on the type of card - 12-30%, the minimum payment is 10% of the amount of the debt, for failure to make a payment - a penalty in size 1.5%.

"Credits" of the bank "Avangard" are universal. They allow you to carry out the usual operations - cash withdrawals from your own and third-party ATMs and bank cash desks, transfer of funds between cards, payment for purchases in outlets and online stores, replenishment, storage of funds.

“Plastic” with additional options, such as contactless payment cards, membership and airport access cards (for travelers), as well as credit cards with insurance and concierge service, is in particular demand.

Many who want to get a credit card prefer Avangard Bank. This financial institution is one of the oldest lenders operating in the domestic market.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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The Bank offers several types of plastic cards to its customers, which can be obtained by any borrower who needs additional bank funds.

Bank "Avangard" credit cards are distinguished by favorable conditions for the use of affordable credit limit.

Terms of Use

After the borrower receives a credit card from Avangard Bank, a credit limit will be set on it, which can be cashed out at an ATM or used to pay for purchases.

The borrower can repay the debt without charging additional interest. To do this, you must pay the debt in full before the expiration date. grace period during which no interest is calculated.

The validity period of the Avangard bank credit card is 3 years.

Interest

If the owner of the Avangard Bank credit card does not repay the entire amount of the debt before the end of the grace period, then the bank begins to accrue interest on the use of credit funds.

The interest rate is not fixed, and its size increases as the period of use of the credit limit increases.

In the first three months of using credit funds, the rate will be 15%, in the fourth month it will already be 18%, and if the debt is not repaid within 6 months, the interest rate will increase to 24%.

For those wishing to cash out available credit money through an ATM, a commission is set, which is 3% of the requested amount.

Limit

The available limit of bank funds on a credit card may be different. Its size is determined solely by the decision of the bank.

The maximum credit limit depends on the banking product chosen by the client.

As a rule, bank customers are given a credit limit of up to 300,000 Russian rubles.

The amount of bank money available to the owner of a credit card depends on his solvency, as well as on the amount of information provided to the bank during registration.

Grace period

The grace period gives the owners of Avangard Bank credit cards the opportunity to repay the debt without charging additional interest.

Clients of this institution benefit from a 200-day grace period on their first use of credit funds.

This means that within 200 days after the start of using the bank's money, the client will not be charged interest for their use.

If you do not repay the debt before the end of the grace period, then interest will be calculated for the entire period of use of the bank's money.

When reusing credit funds, the grace period will be 50 days.

Requirements for clients

In Avangard Bank, a credit card is available to almost everyone:

• it can be obtained by citizens of the Russian Federation who have a permanent residence permit in the region of the country where there are offices or representative offices of the bank;
• the borrower must be at least 19 years old, but not older than 65;
• the presence of a permanent place of work is a mandatory requirement, but it is not necessary to bring, you can get a credit card if you have only a passport.

It also does not greatly affect the decision of the bank to issue a credit card. Even if there were past dues, the client can count on a good credit limit. The main thing is that there are no delays at the time of issuing the card.

Naturally, compliance with the minimum requirements of the bank for borrowers makes it possible to get the desired plastic, but such customers cannot count on a large credit limit.

If proof of income is provided, the amount available can be much higher.

Vanguard credit card

The bank issues Visa and MasterCard cards. A bank credit card is issued for three years, after which the client has the opportunity to apply for a re-issue of plastic.

In addition to access to credit funds, a person who has an Avangard Bank credit card gets access to a huge number of additional features.

From the card you can:

• make transfers to other persons via the Internet;
• pay utility bills;
• replenish mobile;
• make many other payments using a special web application of Avangard Bank.

The client will be notified of all transactions on the card using the SMS informing service.

The bank's terms and conditions provide for an annual card maintenance fee, but the bank cancels this fee for active customers. Also, customers who often use a credit card can count on a variety of bonuses.

If you pay with a card for purchases in the store, then for some goods you can get back to your account 1% of the purchase price.

Many partners of the bank make discounts for goods up to 25% for its customers

Tariffs and offers

Bank "Avangard" credit cards can be of several types:

• Standard;
• gold;
• Platinum;
• Elite.

The available credit limit depends on the type of card. On a standard type card, the maximum credit limit is 50,000 rubles.

Gold card holders can receive a limit of up to 150,000 rubles, and a Platinum card allows you to request up to 300,000 rubles from the bank.

The Elite card is available at the bank's offer, but the amount of the maximum credit limit for it is not limited.

Name	Maximum credit limit, rub.	Bid, %	Maintenance cost, rub./year
Standard	50 thousand	15-24	600
Gold	150 thousand	15-24	3 000
Platinum	300 thousand	15-24	5 000
Elite	Is not limited	15-24	30 000

How to apply?

Credit card of the bank "Avangard" can be in any branch. Initially, the documents are filled out and submitted.

The application has the form of a questionnaire, where the client must provide as much information as possible about himself.

The decision of the bank to issue a card, as well as the size of the credit limit, depends on the quality of filling out the questionnaire.

The bank makes a decision within 4-5 days, after which it informs the client. If the issue of the card is approved, you need to pick it up at the indicated branch and sign a loan agreement.

Submitting an online application

On the bank's website, as well as on the pages of Avangard bank partners, you can submit an online application for a card.

To do this, you need to fill out a special questionnaire via the Internet, then wait for the bank's decision and pick up a ready-made card. In such a situation, the documents are brought already at the time of signing the contract.

Required documents

Credit card Bank Avangard is issued according to the passport. For more accurate identification of the borrower's identity, they may be asked to provide an additional document, which may be a TIN or a passport.

Certificates from the place of work are not required, but if they are, then the credit limit may be several times higher.

Terms of Use

Using a credit card from Avangard Bank is quite simple, but in order to avoid additional overpayments, you should know a few key points.

Activation

Before using the credit card, you must activate it. detailed instructions upon activation must be in the package of documents that the borrower receives with the card.

Activation is done through the Avangard ATM. For this you need:

• insert a card;
• enter the PIN code that came in the SMS message during checkout.

Cash withdrawal

You can withdraw cash both at Avangard ATMs and at ATMs of other banks.

When withdrawing credit funds, a commission of 3% of the amount taken is charged.

If you withdraw your own funds, then there is no commission for amounts up to 300,000.

ATMs of others financial institutions may charge an additional 1.5% commission.

How to top up an account?

You can replenish your account on a credit card through the cash desks of any branch of Avangard Bank.

You can also make a payment:

• through networks of self-service terminals;
• using Internet banking services from another payment card.

Amortization

You can repay the debt during the entire term of the credit card, but if you do this before the end of the grace period, you can avoid overpayments on accrued interest.

In the current economic situation Demand for banking products is growing exponentially. According to statistics, the most popular of them is a credit card. For many, it serves as a "second wallet."

Today, almost every financial institution specializing, in particular, in issuing loans, offers its own credit programs providing for the issuance plastic card. Bank Avangard is no exception.

This is a convenient option to "re-employ before payday." In addition, the holder does not need to apply to the bank for a new loan each time. Once you have collected the documents and ordered the card, you can borrow money from the bank throughout the validity of the card within the established limit.

Package of documents

Judging by the numerous reviews, the Avangard credit card has an important distinctive advantage - there is no need to prepare a large package of documents. When applying, you need to take only your passport with you. However, it is important to note that, if necessary, the borrower may be required to provide a second document of choice among the following list:

1. A certified copy of the labor from the place of work.
2. Document confirming income. It can be issued in the standard form 2-NDFL or in the established form of the bank.

Card activation

Before you can actively use the card, you need to activate it. To carry out this procedure, you must follow the following instructions:

1. We insert the card into the ATM.
2. Enter the set PIN.

You can not write down the pin code on the plastic itself, this will allow fraudsters, in case of loss or theft of the card, to withdraw money from the account.

Cash withdrawal

Many customers are interested in the question of whether it is possible to withdraw cash. In fact, this option is possible, however, an additional commission of 3% of the requested amount is provided. You can use any ATM that accepts cards based on Visa or Mastercard.

Is it beneficial to use?

Like any banking product, a credit card from Avangard has its advantages and disadvantages. They are easy to identify by the reviews of the Avangard credit card left by the holders who have already evaluated this payment instrument.

First of all, it is worth noting that issuing a card does not present any difficulties, and in order to receive it, you do not need to collect a large package of documents. It is enough to take only your passport with you.

However, most users tend to get a credit card from Avangard Bank, since the preferential limit is 200 days. And this means that it becomes much easier to pay off debt without additional interest.

According to reviews, the Avangard credit card with a 200-day grace period is very convenient when applying for a one-time purchase. The fact is that the grace period is not considered every time after the use of borrowed funds, but from the day of activation.

As for the shortcomings, they also exist. First of all, a credit card from Avangard Bank (200 days), according to customer reviews, cannot be received on the day of confirmation. As a rule, it will take several days for its production.

There is another aspect - a large monthly payment, which significantly increases the financial burden of the payer.

It is also important to note that there is no fixed interest rate, so most clients try to pay off the debt within the first three months, since the interest rate almost doubles within six months.

Avangard Bank offers are innovative and many of them have no analogues on the market. banking market. These products include, among other things, Avangard bank credit cards, the grace period for which is 200 days.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

How to get a loan?

To get a credit card from Avangard Bank, there are several options for contacting the bank: online application or filing an application when visiting a branch. After submitting the application within 5 days, the bank will make a final decision. The consideration period may be extended in case of additional questions or the need to clarify some data.

Terms of registration and requirements for borrowers

The card is issued for up to 3 years in rubles, US dollars or euros. The borrower must meet the following requirements:

• be a citizen of the Russian Federation;
• have a permanent registration in the region where the bank is present;
• the presence of a permanent place of work;
• the age of the borrower is from 19 to 58 years.

For registration, you need to submit an application and a questionnaire established by the bank sample, completed by the borrower, provide a passport of a citizen of the Russian Federation, TIN and another document, at the choice of the client, confirming the identity (driver's license, passport, etc.).

Registration does not require income statements and guarantors.

Features of Vanguard credit cards

Avangard is the leader in issuing credit cards in the Russian Federation.

Features of bank credit cards:

• long grace period: 1st - 200 days; subsequent - 50 days;
• availability - a large number of offices, as well as an online application service - on the bank's website;
• free internet banking and SMS notifications about account transactions;
• availability of the bank's own discount program - each city has a list of bank partners who are ready to provide Avangard bank cardholders with discounts of up to 25%, such partners include shops, health centers, travel organizations and many others, information can be viewed on the bank's official website ;
• reduction of tariffs, and in some cases their cancellation, for the most active users;
• processing speed;
• presence of co-brands;
• large selection of cards.

Grace period 200 days

An innovative solution of the bank that has no analogues in the market. The bottom line is that at the first provision of credit funds, a grace period begins to operate, for which, if the full amount of the loan is repaid, no interest is charged before its expiration.

The grace period is valid up to 204 days from the moment the overdraft is used. Settlement date 20th day of the seventh month after the card was issued. The grace period applies only to settlements in the trade and service network, when you receive cash from an ATM, interest will be accrued constantly.

How is the repayment

When signing the contract, the client undertakes to pay monthly an amount not less than the mandatory payment, which, according to the bank's tariffs, is 10% from the amount of used overdraft and 100% from the amount of accrued commissions, interest and penalties, if any.

Payment can be made both in cash at the bank office, and bank transfer to the client's account.

Free repayment methods:

• depositing cash into the client's account at the bank office;
• from another client account opened, also in Avangard Bank, in the same currency as the credit card;
• transfer from the client's account opened in another bank, while the commission can be charged by the sender's bank.

Service fees and late fees

Annual service:

Grace period:

Interest rate on non-preferential transactions:

Withdrawal of own funds up to 300,000 rubles

Withdrawal of own funds from 300,001 rubles.

Withdrawal from 300001 rubles. up to 10000000 r.	2,5%
Withdrawal from 10000001 rubles.	5%

Minimum commission - 150 rub. Withdrawal of funds due to overdraft — 3% Late fee - 1,5%

Categories

Standard

In this category, the bank offers to issue MasterCard Standard or Visa Classic cards. The most popular and economical cards are reliable, do not have additional privileges, while such cards are enough to pay in the service network or withdraw money from an ATM. The maximum initial credit limit for such a card is 50 000 rub., or the equivalent in US dollars and euros.

Gold

It is possible to issue payment cards MasterCard systems or Visa. Considered one of the most prestigious in the world. The presence of a card of this level emphasizes the status of its owner and entitles him to privileges, discounts and unique offers in stores, restaurants and hotels around the world. Such clients receive an individual approach.

Platinum

The cards are designed for wealthy clients. With MasterCard or Visa Platinum, you can be sure of a high level of service, exclusive service in any country in the world. And receive special offers when shopping or ordering services.

Also, for Platinum level cardholders, Avangard Bank has the following privileges:

• accrual of bonus miles for paying for goods or services (50 rubles of expense on the card = 1 mile);
• pay for air tickets of any companies at the expense of accumulated miles;
• buy air and railway tickets at a low cost through the Internet bank.

Additional privileges of Visa Platinum:

• Priority Pass VIP Club card;
• unique services under the Visa Platinum privilege program;
• purchase protection insurance;
• warranty extension insurance.

Additional benefits of MasterCard Platinum:

• Elite Priority Pass card;
• club card IAPA;
• additional discounts on MasterCard Plus and MasterCard Priceless Cities;
• insurance for those who travel frequently.

Elite

Visa Infinity and MasterCard World Elite are the most elite and prestigious cards in payment systems. They are issued only to very wealthy clients, most often to top managers of large companies. With cards of this level, clients are provided with a unique package of additional services that can satisfy all the needs of VIP clients.

In addition to the benefits included in the Platinum category, cardholders receive:

• increased insurance coverage: MasterCard - 200,000 euros, Visa - 1 million US dollars;
• round-the-clock support of the international concierge service;
• support of a personal bank manager.

What do the co-branded cards of Avangard Bank give?

A co-branded card combines all the characteristics of a credit and payment card, while including additional loyalty programs and acting as a discount or club card. General characteristics of Avangard co-brands:

• unique design with partner logo;
• the opportunity to receive discounts and bonuses from partners when paying by card;
• return of 1% of the amount spent to the bonus account (applies only to the list of partners indicated on the banks' website; transactions through the Internet banking system are not taken into account);
• cards are issued only in Russian rubles.

Types of co-brands:

• MasterCard MegaFon and MasterCard Platinum MegaFon- give the right to use earned bonuses to pay for mobile services or receive additional minutes for calls. Available to subscribers of the North-Western district.
• MasterCard InterZet- involves the use of bonuses to pay for the services of InterZet, the leading Internet provider in St. Petersburg, new subscribers can get 2 months of Internet access - free of charge. Also, holders of this card can count on discounts up to 50% from more than 600 partners of the company.
• MasterCard Volvo- a card for members of the Russian Volvo Club car club, or for those wishing to join it. The annual commission on the card is equal to the payment of the membership fee. Privileges for cardholders: 3% discount on new car; 15% for the purchase of auto parts; 26% for service stations.
• MasterCard City Park Grad- allows you to use bonuses for settlements in the shopping center City Park Grad, Voronezh.
• MasterCard Bystronom- gives a 15% discount on all products (except tobacco products) in the Bystronom supermarket chain in Novosibirsk.
• Map « school meals» - allows you to control the nutrition of the child at school without the need for cash. One of the parents is issued a regular settlement or credit card of Avangard Bank, without restrictions on use. The student is issued a personalized card linked to the parent's card account, it can be paid only in the school cafeteria or canteen, it is not possible to use the card in a store or withdraw money from an ATM. After each card transaction on mobile phone the parent will receive an SMS notification.

Advantages and disadvantages

The obvious positive aspects of credit cards from Avangard Bank include:

• Every working citizen of the Russian Federation aged 19 to 58 can receive a card;
• online application on the bank's website;
• the first grace period up to 200 days;
• the presence of a large selection of cards, both familiar categories and co-brands, depending. from the needs of the client;
• a large number of preferential programs;
• no hidden fees;
• free internet and sms banking.

The state is distinguished by loyal conditions and interest rates. Read about which categories of the military can use the program on our website.

Are you interested in Absolut Bank mortgage? Bank customer reviews will help you decide on the choice of a lender. Read more.

Credit for an initial fee taking out a mortgage is not mandatory. You can read about getting a mortgage without a down payment.

Card cons:

• grace periods do not apply to cash withdrawals from ATMs;
• the amount of the credit limit for standard cards is up to 50,000 rubles, without the possibility of increasing;
• interest on withdrawals of credit funds is added to the standard interest on withdrawals;
• standard cards do not require entering a PIN code in retail chains;
• the lack of an individual approach in the bank to clients with temporary difficulties that do not allow making the minimum payment.

As soon as I began to receive a salary through Avangard Bank, we were immediately offered credit cards at work. At first I was not going to receive it, and then they talked at home, this is the same loan, only it is always in your pocket, you can take it and use it at any time! But this is much more convenient than collecting all the papers again in the bank if you need money. It was a year ago, for all the time I have never regretted that I received my Visa. I have already made two major purchases for it, and since I returned the money back on time, I got my washing machine and refrigerator for a clean price from the store, without any overpayment!

My Vanguard (Railbonus) credit card came in handy on vacation. I was able to pay for hotel accommodation with the accumulated miles, and I spent the money set aside for this payment on my beloved! I am not boasting, but I am telling those who do not believe that you can save up for a vacation if you pay for purchases with a credit card. Money is definitely returned in miles, the more you spend, the more you save, such a cycle!

Vanguard offers many credit cards, all with different conditions. I chose for myself, and it's great that there is a choice, a standard credit card, for its long interest-free period. In order not to have to pay interest, I don’t withdraw cash, but after all, there are all sorts of situations, let there be such a reserve of funds just in case! And for non-cash, at least in a hundred days I have time to put money back on the card.

Credit cards used to give me the same feeling as credit. And all because I did not use them. I decided to start with a credit card. Bypassed several banks and stopped at Vanguard. I got a card with free service for three years. I was recommended by a friend who also received a card here earlier. So I didn't have to pay for usage every year. If a customer wants a 200 day grace period, they can simply get a pay per use card. But 50 days is enough for me. I receive all the important information in messages on my phone, and I can also look on the Internet. The service is excellent, so I recommend to use

Anna and Maria

I want to say right away that my assessment of the bank is 5 plus. I managed to live on credit for 3 years, but did not pay a single penny. I have salary card at Vanguard Bank. Then came credit. I got all the information I needed about her. And after that I started to use it actively. On the commission and interest and did not get a single time. For three years, the card helped me in difficult moments. In addition, we also use the card for making purchases. I do not withdraw money from the card, so I do not have to pay for this either.

This is how I learned about the bank. Through my work, I also learned about the credit card, as our company received a corporate offer. It was enough to fill out a questionnaire, and then you could wait for the bank to answer. I was even surprised that it would be free to issue and issue a card. I had a bad experience with another bank before, but I decided to take a chance. I filled out the form and I started to wait. The bank was ahead of my call about the readiness of the card. They offered a small limit, but it suited me. So, now I do not regret at all that I decided to take the card. I really like the services and the bank itself, so I recommend it to others.

I filled out an application for a card on Sadovnicheskaya street. I received the card 6 years ago and still use it. I can note the stable work and wide opportunities for the client. It is very convenient to pay for everything, you do not need to always have a wallet with you. The most important advantage of the Avangard bank credit card is its interest-free lending period. It is thanks to him that I have already taken money many times when the salary was delayed. Since I have been using the card for a long time, there are already a lot of privileges. For example, even the percentage per annum has become smaller and more affordable during this time.

The bank was not chosen by chance! I needed such a bank, thanks to which I will have a built-in travel card. It was this proposal that Avangard Bank had. At the time of registration, my service fee was generally minimal - only 600 rubles! It certainly took some time to set up. But! Do not forget that the bank was connected with the subway. So it was worth the wait. Together with the built-in travel card, he also provided himself with other useful services. For example, I pay for purchases or even open a deposit online. In general, the pluses of the sea!

Melnikov Anton

I chose a credit card for myself at Avangard Bank right away with the expectation that miles would be accumulated, I had to move around the country a lot for my work. This service is provided on the MasterCard Airbonus card. Yes, and bonuses from purchases also fall on the card. So I am completely satisfied with my credit card.

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