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The Analysis Of Banks.ru. "Multicarta" VTB reloaded

Banki.ru: themes of the day 02.08.2020 at 21:00

Banking and financial news on the website Banki.ru

Free services and new terms for kessaku — how did the flagship debit card of VTB.

this year, VTB is actively updating the range of payment cards: in may, the Bank announced a new credit "Card of possibilities" and on July 20 announced the restart of its flagship product — debit "Multimap". The changes affected the plan, and loyalty program "multiple boosters": the map is free, and the terms of calculation of kesbeke more flexible. We will understand what exactly has changed in terms of multicarta and what pitfalls lurk for new opportunities.

Change in fees

the Main advantage of the tariff plan updated "Multimap" — the abolition of a fee for monthly service. The earlier card was a shareware: to avoid paying a Commission, you need to make purchases for the sum from 5000 rubles per month. Now the card is free regardless of the amount of monthly expenses.

Debit-Multicarta is available in three payment systems (Visa, Mastercard and "Peace") also offers the customer a choice of three account currency: roubles, US dollars, Euro map ("World" is produced only in rubles). In total, the package is free to draw up to five cards.

the New terms valid for cards issued after 20 July. For owners who have received a "Multimap" to this date, the previous conditions remain unchanged while maintaining the current bonus options. After connecting the other option, maps will automatically switch to the new tariff plan.

To the new owners of multicarta available, free transfers by phone through the System of quick payments: in the range of 100 thousand rubles a month (more than — 0.5%, at least 20 rubles, a maximum of 1 500 rubles). But for interbank transfers by card number now, the fee will not be refunded: previously, when turnover on the map from 75 thousand rubles through the personal account in "VTB-Online" with the return of a fee it was possible to transfer to another Bank of up to 20 thousand rubles a month, the owners of multicarta for each external transfer will pay a 1.25%, at least 50 rubles.

Small changes were made and conditions for cashing. As before, with cards without a fee to withdraw cash in ATMs of Bank and ATMs of banks of VTB Group. For getting money at ATMs of other banks, the Bank charges 1% of transaction amount, minimum 300 euros / 6 USD / 2 EUR. For owners of old "Multimap" when making card purchases in the amount of 75 thousand rubles a month, the Bank returns the retained fee for cash withdrawals. For owners of new cards refund fee is not made. Free to withdraw money at any ATM, only holders of payroll cards and retired military personnel who receive payments to the new card from VTB. Daily limit on cash withdrawals with all cards issued under the package-Multicarta is 350 thousand rubles, the limit for a month — 2 million rubles.

the Ad unit Changes in the loyalty program

On the new "Multicarta" available in a choice of five bonus features: "Cashback", "Collection", "Travel", "Savings" and "Borrower". The client can independently choose from the available remuneration: basic 1% or increased to 1.5%. Basic cashback is free of charge, but charge a higher rate, the Bank seems determined to compensate for the cancelled fee for service card. Cashback of 1,5% is charged for free, if you make "Multicarta" purchase for the sum from 10 thousand roubles a month. If monthly expenses do not reach the threshold amount, the Commission for an increased rate of kesbeke will be 249 rubles per month. Thus, to connect an advanced level is meaningful only with turnover of 10 thousand rubles, otherwise the cost of it does not discourage even kasbeam a maximum of 1.5%.

If spending on a new map per month is 10 thousand rubles, you can select additional accrual of 1% to the rate on the savings account or open a Deposit or earn 3% on the balance in the card account, by activating the option "Savings".

one More option — "Borrower" — gives a discount to the current rate on the loan. Under this option you can select a 0.3% discount to the rate on your mortgage or 1% discount for cash loan.

the Maximum amount of turnover on the cards, which will be charged fee is 30 thousand rubles for a standard level of remuneration and 75 thousand — to advanced. I changed the order taking into account monthly expenses: previously, when calculating the turnover of the Bank account for the purchase as a debit and credit card of the client, open the package "Multicarta", the new maps in the calculation will be accepted only expenses with a debit card.

to Change the option once a month through "Bank Online". In the option of "Cashback" remuneration paid by bonuses, in the option "Travel" — miles, and in the category "Collection" bonuses.

the Accumulated bonus currency to spend in the catalogue loyalty program "multiple boosters" for any goods, certificates stores and travel, and the bonus is still transferred to the card in rubles at the rate of 1:1. Also as part of the loyalty program can receive up to 15% of kesbeke back bonuses for purchases from partners.

will Understand how a change in the terms of remuneration in each category.

Ad unit "Option of Cashback"

it Was

Two options with kasbekar (select"Cash Back and Auto and Cash Back and Restaurants") with a maximum reward of 4%. For purchases in the categories of kesbeke (gas stations, Parking lots, cafes and restaurants, tickets to theatres and cinemas) remuneration depended on the amount of monthly expenses: 5-15 thousand roubles — 1%, 15-75 thousand rubles — 2%, 75-150 roubles — 4%. To obtain increased kesbeke required to observe two conditions: to pay for purchases with your smartphone and support on accounts and deposits of VTB balance of 100 thousand rubles.

Cashback for other purchases accrue at the base rate: in the range of 5-15 thousand rubles — 0,5%, more than 15 thousand rubles — 1%. While spending up to 5 thousand rubles no remuneration was charged, and the turnover of 150 thousand rubles for the amount exceeding the operated rate of 0.5%.

Became

Cashback is charged at a flat rate for purchases.

Standard level:

for the sum to 30 thousand roubles a month — 1%.

Advanced level:

in the amount of 75 thousand rubles per month — 1,5%; to 15% for purchases at partners of the loyalty program.

the Bank has cancelled the requirement to the minimum turnover of 5 thousand rubles for the calculation of compensation but limited the maximum amount to get kesbeke 75 thousand. For the segment of "Privilege" this amount is higher — 150 thousand rubles. For the excess remuneration paid.

Bonus rubles can be exchanged for money at the rate of 1 = 1, and also to spend on Avia - and railway tickets, booking of hotels and car rental, movie tickets or goods and the certificate stores from the catalogue "multiple boosters".

the Conclusion: to obtain basic cashback 1% easier, but there are no categories of kesbeke and the maximum amount for reward is limited to 75 thousand rubles (not including cashback from partners).

Option Collection

it Was

Bonuses for purchases when you pay with your smartphone and the balance of 100 thousand rubles on accounts and deposits in VTB: the range of spending 5-15 thousand roubles — 1%, 15-75 thousand rubles — 2%, from 75 thousand roubles — 3%. If you pay by card: when shopping from 5 thousand to 15 thousand roubles — 1%, over 2%.

Became

Bonuses for purchases, standard level:

for the sum to 30 thousand roubles a month — 1%.

Advanced level:

in the amount of 75 thousand rubles per month — 1,5%; to 15% for purchases from program partners "multiple boosters".

the Accumulated bonuses can be spent to charity or exchanged for cinema tickets, purchase from the category "Travel" and for goods and certificates from the directory of the program "multiple boosters".

Conclusion: after lowering the bonus bet option is "Collection" looks like a degraded version of "Kasbek" — points are awarded on the same principle, but they cannot be exchanged for real money.

Option "Travel"

it Was

Miles for purchases when you pay with your smartphone and the balance of 100 thousand rubles on accounts and deposits in VTB: in the range of 5-15 thousand roubles — 1%, 15-75 thousand rubles — 2%, from 75 thousand roubles — 3%. If paying by card: when shopping for the sum from 5 thousand to 15 thousand roubles — 1%, over 2%.

Became

Miles for purchases, standard level:

for the sum to 30 thousand roubles a month — 1%.

Advanced level:

in the amount of 75 thousand rubles per month — 1,5%; to 15% for purchases from program partners "multiple boosters".

Miles can be exchanged for miles of Aeroflot, Avia - and railway tickets, hotel booking, car rental, goods and certificates from the catalogue "multiple boosters".

the Conclusion: as in the case of options, "Collection" and "Cashback", the conditions of obtaining miles is simplified.

If miles previously accrued for every full 100 rubles in check, what is "uneven" amounts were not considered, now the fee is charged for each rouble spent.

the validity of the bonus credit/bonus points/miles for one year from the date of enrollment to the bonus account. In the absence of changes in the balance of the bonus account and card transactions performed by the customer, within six months from the date of last operation / change of the balance of the bonus account previously accrued remuneration will be cancelled.

the Fact that the Option "Savings"

it Was

purchase "Multicarta" the Bank added to the rate paid on the accounts or deposits of a certain percentage in the range of monthly spending 5-15 thousand rubles — 0,5%, 15-75 thousand roubles — 1%, over 75 thousand roubles — 1,5%.

Became

a single increase to the rate on accounts and deposits used for purchases in the amount of 10 thousand rubles a month (including purchases made on the territory of the Russian Federation and abroad):

+1% rate on savings accounts or deposits in a total amount of up to 1.5 million; +3% on current account in amount of 100 thousand rubles.

Upon connection of the option "Saving" the customer chooses what product will be applied to the increased rate. The new rate applies to all products of the same type: either all funded or current accounts or all deposits. To change product for charging of high rates can be once in a month.

the Method of payment of fees by selecting "Savings" remains the same: the remuneration paid to an accumulation account (if you select the category "savings account") or on a "Master account" (when you select "Deposit" or "Current account") on a monthly basis by the 15th day of the month following the reporting period.

Conclusion: get a higher rate is easier: increase of 1% is now sufficient to spend monthly 10 thousand instead of 15 thousand rubles.

Option "Borrower"

it Was

For the purchase with the card, the Bank provided a discount to the rate on the loan. The size of discounts also vary depending on the amount of monthly purchases:

mortgages: 5-15 thousand rubles — 0,2%, 15-75 thousand — 0,4%, from 75 thousand rubles — 0.6% of; cash loan: 5-15 thousand rubles — 0,5%, 15-75 thousand roubles — 1%, from 75 thousand roubles — 3%; credit card: 5-15 thousand rubles — 2%, 15-75 thousand rubles — 6%, from 75 thousand roubles — 10%.

Became

When shopping for "Multicare" in the amount of 10 thousand rubles a month (including purchases in Russia and abroad), the Bank offers a discount of 0.3% to the rate on your mortgage and 1% to the rate on the loan in cash. Discount rate credit card is no longer available.

the Reward (equivalent to the discounts received in rubles) per month is credited to the bonus account of the customer in the loyalty program. Bonus rubles can be exchanged for money at the rate of 1 = 1, on purchases from the category "Travel", and certificates from the catalogue "multiple boosters". The maximum amount of compensation on the option "Borrower" — 5 thousand rubles per year.

Output: the same as option "Savings" — terms of getting discounts easier, but the discount has decreased. Also canceled discounts on credit cards.

the Fact that the New conditions: better or worse?

If we consider the innovations for "Multicare" in General, we can note a General tendency to simplify at the expense of lower yield. New map became more efficient, but less profitable. The main advantages of the new Multicarta — free service and the abolition of minimum turnover for the calculation of kesbeke. If before the customers making card purchases in the amount of 5 thousand rubles per month, remained "behind a Board" the accrual of kesbeke, now the rewards can be even with a slight turn. However, the Bank cancelled such popular category of kesbeke as gas stations and restaurants, and reduced the maximum interest rate. Now the map is not profitable to make purchases in excess of 75 thousand rubles a month, since the excess amount is not charged.

According to the website of VTB, more than 90% of holders of "Multimap" refer to the mass retail segment, so the new conditions, obviously, focused on customers with small monthly turnover on the card. Also, the new "Multicarta" may be of interest to borrowers and depositors, as at a monthly purchases in the amount of 10 thousand rubles, you can get a discount to the interest rate on the loan or a premium to the interest on the account balance or the rate on the Deposit.

Julia KRIVOSHEEVA for Banki.ru