Кредитный лимит:
700 000 руб
Процентная ставка:
от 15% годовых
Льготный период:
до 55 дней
Выгоды:
cashback бонусы
Выпуск и обслуживание:
990 руб
Для автовладельцев:
|
Снятие наличных в банкоматах Тинькофф банка и других банков:
|
Минимальный платеж:
|
Дополнительно:
|
Возраст | от 18 до 70 лет |
Документы | паспорт РФ |
Регистрация | не требуется |
Карта Тинькофф Драйв (Tinkoff Drive) выпускается не так давно, этот продукт стал доступен клиентам в мае 2018 года. Банковская карта Tinkoff может быть как дебетовой так и кредитной, подойдет всем владельцам транспортных средств и уже стал довольно востребованной среди них.
В нашем обзоре мы решили более подробно рассмотреть данный банковский продукт, узнать о его преимуществах и возможных «подводных камнях».
Клиенты Тинькофф могут получить, как кредитный, так и дебетовый пластик. А поэтому каждый сможет выбрать наиболее подходящий для себя вариант. Но для того, чтобы сделать правильный выбор, следует изучить условия каждого предложения.
Несмотря на то, что продукты разные у них есть общие черты и они заключаются в том, что обе карты принадлежат к платежной системе MasterCard World. Также у них есть чип и функция бесконтактной оплаты. Но ее потребуется дополнительно настроить в мобильном телефоне.
Кредитная карта
1. Годовой процент колеблется от 15% до 39,9% (15-29,9% годовых по операциям покупок; 29,9-39,9% годовых по операциям снятия наличных и другим). Ставка зависит от кредитной истории, а также размера максимального лимита.
2. Максимальный лимит – 700 000 рублей.
3. Грейс-период составляет 55 дней.
4. Ежемесячно по кредитке необходимо платить минимум 8% от суммы задолженности или минимум 600 руб. (сумма минимального платежа увеличивается до суммы, кратной 100 руб.)
Дебетовая карта
Дебетовая карта предназначена для хранения личных денежных средств.
1. Выпуск карты – 0 руб.
2. Комиссия за снятие наличных средств не взимается, если сумма вывода больше 3 000 руб. Ежемесячный лимит снятия – 100 000 руб.
3. Перевод денежных средств по реквизитам другого банка осуществляется бесплатно.
Кэшбек бонусы
Обычно кредитные организации предлагают более выгодный процент кэшбека для владельцев премиум карт. Но в Тинькофф банке кэшбэк на бензин одинаковый для всех.
Бонусные баллы по карте Драйв (Drive) начисляются следующим образом:
1. Вы оплачиваете картой Драйв покупки и услуг на АЗС. (Узнать количество начисленных баллов можно в личном кабинете);
2. После того, как на счету накопится минимум 2000 баллов. Их можно использовать для оплаты покупок. («Топливо» 1,5 балла = 1 руб. и «Автоуслуги» 1 балл=1 руб.).
Наибольшее количество баллов можно получить во время заправки на АЗС, там начисляется 10% от суммы покупки. Также 5% приходит на счет при оплате услуги для авто. За оплату штрафов ГИБДД через мобильное приложение Тинькофф тоже пришлют 5%. За остальные покупки начисляется по одному бонусному рублю за каждые 100 потраченные. Стоит отметить, что кол-во баллов за товары и услуги связанные с авто не может превышать кол-во баллов в других категориях более чем в 5 раз.
При накоплении минимальной суммы ее можно потратить на оплату чеков в категории «Топливо» или же «Автоуслуги». Но здесь необходимо отметить тот факт, что бонусные баллы имеют срок годности. Их следует потратить в течение 3 лет после начисления. Если этого не сделать вовремя, то они просто пропадут.
Тарифы на операции по карте
За годовое обслуживание дебетовой карты необходимо будет платить 3500 рублей. Однако есть вариант бесплатного обслуживания. Оно доступно тем клиентам, которые взяли кредит в Тинькофф банке или хранят на счету не меньше 50 000 рублей.
Кредитная карта обойдется дешевле: стоимость обслуживания всего 990 рублей, это касается основной карты. Дополнительная карта обслуживается бесплатно.
За снятие наличных взимается комиссия в размере 390 рублей (фиксированная сумма). Если за раз выводится больше 100 000 рублей, то к фиксированной комиссии добавляется 2%. А вот за пополнение не взимается комиссионный сбор.
Плюсы
Несмотря на то, что карта вышла не так давно многие клиенты Тинькофф, уже успели оценить ее и вынести свой вердикт. По итогам анализа отзывов на карту Тинькофф Драйв можно отметить следующие плюсы:
1. Возможность воспользоваться бесплатным годовым обслуживанием.
2. Бесплатное пополнение карты кредитной, а также дебетовой.
3. Относительно невысокая комиссия за снятие наличных и кредитных средств.
4. Наличие бонусной программы.
5. Возможность бонусами оплачивать товары в категориях «Автоуслуги», «Топливо».
Минусы
Некоторые недостатки у этой «почти идеальной карты» для автомобилистов, тоже есть:
1. Накопить 2000 бонусных баллов (минимальная сумма) не так уж и просто. Для этого требуется владельцам легковых машин заправляться минимум на 40-60 литров.
2. Установлен лимит на снятие денег. Это касается и кредитной, и дебетовой карты.
3. Для бесплатного обслуживания требуется иметь на счету минимум 50 000 рублей.
4. Ограничения в сумме бонусов. Так, например, за покупку в размере 10 000 рублей на бонусный счет будет начислено только одна тысяча рублей.
5. При получении кредитки нужно внимательно читать договора, так как там есть пункт об оформлении страховки.
Как оформить кредитную карту Тинькофф Драйв?
Оформить кредитку довольно просто, впрочем, как и любой банковский продукт от Тинькофф. Все это делается в режиме онлайн. Для этого нужно:
1. Зайти на официальный сайт Тинькофф — tinkoff.ru
2. Заполнить заявку на получение кредитной или дебетовой карты Drive.
3. Анкета рассматривается в течение нескольких минут. О решении банка сообщит менеджер, который перезвонит по номеру, указанному в заявке.
Если заявка будет одобрена, то карточка будет доставлен курьером в течение нескольких дней. Стоит отметить, что доставка банковского продукта бесплатная. Но при себе необходимо иметь паспорт. Без документов курьер не отдаст карту.
Требования к заемщикам более, чем лояльные. Тинькофф банк выдает свои карты всем, кто:
- 1. Имеет российское гражданство;
- 2. Достиг 18 лет;
Для того, чтобы получить увеличенный лимит по кредиту, нужно принести справку, в которой указано:
- место работы;
- размер заработной платы.
Если заранее изучить условия получения пластика, то дебетовая карта с кэшбеком может стать хорошим помощником для автомобилиста. При правильном подходе Тинькофф Drive – отличный инструмент экономии.
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