Analysis of Banki.ru. VTB’s “Opportunity Map”: More Convenient, Better, Cheaper?

VTB announced a new credit card of opportunities in May 2020, immediately declaring it the flagship of its product line. Among the declared advantages of the card are an interest-free period of up to 110 days, free service regardless of the amount of purchases, a credit limit of up to 1 million rubles and the possibility of withdrawing up to 50 thousand rubles from ATMs without commission.

On the surface, these advantages make the Opportunity Card one of the most attractive products on the credit card market. Let’s see if it has a chance to squeeze out other recognized leaders in the world of credit cards.

Trust but verify.

“Map capabilities” looks attractive, but many card rates conditions and restrictions that make it a benefit is not as straightforward. For clarity, we will analyze in detail the key advantages of the card: free service, no commissions for withdrawing credit funds, a solid credit limit and a long grace period.

Plus # 1 – free service.

These are truly substantial and unconditional benefits. Issuance and maintenance of the “Opportunity Card” without connecting additional options during the entire validity period is free without any requirements for turnover and account balance.

In addition to the main “Cards of Opportunities”, up to five additional cards can be issued to the account free of charge. The bank does not charge a commission even for early re-issue of the card at the initiative of the holder, for example, in the event of loss or damage to plastic or when personal data is changed.

Plus # 2 – free cash withdrawal at the expense of the credit limit.

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Obviously, in terms of this parameter, the “Opportunity Card” does not reach, for example, the credit card of Alfa-Bank, which can be used to withdraw the same 50 thousand rubles a month for free, but the grace period for the operation is constantly renewed.

% D0% A1% D0% BD% D1% 8F% D1% 82% D0% B8% D0% B5% 20% D0% B8% 20% D0% BF% D0% B5% D1% 80% D0% B5% D0 % B2% D0% BE% D0% B4% D1% 8B% 20% D0% BF% D0% BE% 20% D0% BA% D0% B0% D1% 80% D1% 82% D0% B5% 20% C2 % AB% D0% A0% D0% B0% D0% B7% D1% 83% D0% BC% D0% BD% D0% B0% D1% 8F% C2% BB% 20% D0% BE% D1% 82% 20 % D0% A0% D0% B5% D0% BD% D0% B5% D1% 81% D1% 81% D0% B0% D0% BD% D1% 81% 20% D0% 9A% D1% 80% D0% B5 % D0% B4% D0% B8% D1% 82% 20% D0% BF% D0% BE% D0% BF% D0% B0% D0% B4% D0% B0% D1% 8E% D1% 82% 20% D0 % B2% 20% D0% B1% D0% B5% D1% 81% D0% BF% D1% 80% D0% BE% D1% 86% D0% B5% D0% BD% D1% 82% D0% BD% D1 % 8B% D0% B5% 20145% 20% D0% B4% D0% BD% D0% B5% D0% B9,% 20% D0% BE% D0% B4% D0% BD% D0% B0% D0% BA% D0% BE% 20% D0% BA% D0% BE% D0% BC% D0% B8% D1% 81% D1% 81% D0% B8% D1% 8F% 20% D0% B7% D0% B0% 20% D0% BA% D0% B0% D0% B6% D0% B4% D1% 83% D1% 8E% 20% D0% BE% D0% BF% D0% B5% D1% 80% D0% B0% D1% 86% D0% B8% D1% 8E% 20% D1% 81% D0% BE% D1% 81% D1% 82% D0% B0% D0% B2% D0% B8% D1% 82% 202.9 %% 20 +% 20 290% 20% D1% 80% D1% 83% D0% B1% D0% BB% D0% B5% D0% B9.

% D0% 9F% D0% BE% 20% D0% BA% D0% B0% D1% 80% D1% 82% D0% B5% 20% C2% AB% D0% A3% D0% B4% D0% BE% D0 % B1% D0% BD% D0% B0% D1% 8F% C2% BB% 20% D0% BE% D1% 82% 20% D0% 93% D0% B0% D0% B7% D0% BF% D1% 80 % D0% BE% D0% BC% D0% B1% D0% B0% D0% BD% D0% BA% D0% B0% 20% D0% BC% D0% BE% D0% B6% D0% BD% D0% BE % 20% D1% 81% D0% BD% D1% 8F% D1% 82% D1% 8C% 20% D0% B1% D0% B5% D0% B7% 20% D0% BA% D0% BE% D0% BC % D0% B8% D1% 81% D1% 81% D0% B8% D0% B8% 20% D0% B4% D0% BE% 20 100% 20% D1% 82% D1% 8B% D1% 81% D1% 8F % D1% 87% 20% D1% 80% D1% 83% D0% B1% D0% BB% D0% B5% D0% B9% 20% D0% B2% 20% D0% BB% D1% 8E% D0% B1 % D1% 8B% D1% 85% 20% D0% B1% D0% B0% D0% BD% D0% BA% D0% BE% D0% BC% D0% B0% D1% 82% D0% B0% D1% 85 % 20% D0% BC% D0% B8% D1% 80% D0% B0,% 20% D0% BD% D0% B0% 20% D1% 81% D1% 83% D0% BC% D0% https://cdn-130.anonfiles.com/HeS3F4pav7/cc9b54bd-1639040307/Apple%20Iphone%20Xs-manual.pdf BC% D1% 8B% 20% D1% 81% D0% B2% D1% 8B% D1% 88% D0% B5,% 20% D0% B0% 20% D1% 82% D0% B0% D0% BA% D0% B6% D0 % B5% 20% D0% BD% D0% B0% 20% D0% BF% D0% B5% D1% 80% D0% B5% D0% B2% D0% BE% D0% B4% D1% 8B,% 20% D0% B2% D0% B7% D0% B8% D0% BC% D0% B0% D0% B5% D1% 82% D1% 81% D1% 8F% 20% D0% BA% D0% BE% D0% BC% D0% B8% D1% 81% D1% 81% D0% B8% D1% 8F% 203.9 %% 20 +% 20390% 20% D1% 80% D1% 83% D0% B1% D0% BB% D0% B5% D0% B9.% 20% D0% 9F% D1% 80% D0% B8% 20% D1% 8D% D1% 82% D0% BE% D0% BC,% 20% D0% B3% D1% 80% D0% B5% D0% B9% D1% 81-% D0% B F% D0% B5% D1% 80% D0% B8% D0% BE% D0% B4% 20% D0% BD% D0% B0% 20% D1% 8D% D1% 82% D0% B8% 20% D0% BE% D0% BF% D0% B5% D1% 80% D0% B0% D1% 86% D0% B8% D0% B8% 20% D0% BD% D0% B5% 20% D1% 80% D0% B0% D1% 81% D0% BF% D1% 80% D0% BE% D1% 81% D1% 82% D1% 80% D0% B0% D0% BD% D1% 8F% D0% B5% D1% 82% D1% 81% D1% 8F,% 20% D0% B8% 20% D0% B4% D0% B5% D0% B9% D1% 81% D1% 82% D0% B2% D1% 83% D0% B5% D1% 82 % 20% D1% 81% D1% 82% D0% B0% D0% B2% D0% BA% D0% B0% 2029.9 %% 20% D0% B3% D0% BE% D0% B4% D0% BE% D0% B2% D1% 8B% D1% 85.

% D0% 9B% D1% 8C% D0% B3% D0% BE% D1% 82% D0% BD% D0% BE% D0% B3% D0% BE% 20% D0% BF% D0% B5% D1% 80 % D0% B8% D0% BE% D0% B4% D0% B0% 20% D0% BD% D0% B0% 20% D1% 81% D0% BD% D1% 8F% D1% 82% D0% B8% D0 % B5% 20% D0% BD% D0% B0% D0% BB% D0% B8% D1% 87% D0% BD% D1% 8B% D1% 85% 20% D0% B8% 20% D0% BF% D0 % B5% D1% 80% D0% B5% D0% B2% D0% BE% D0% B4% D1% 8B% 20% D0% BD% D0% B5% D1% 82% 20% D0% B8% 20% D1 % 83% 20% D0% BA% D0% B0% D1% 80% D1% 82% 20% C2% AB% D0% 92% D0% B5% D0% B7% D0% B4% D0% B5% D0% B4 % D0% BE% D1% 85% D0% BE% D0% B4% C2% BB% 20% D0% BE% D1% 82% 20% D0% 9F% D0% BE% D1% 87% D1% 82% D0 % B0% 20% D0% 91% D0% B0% D0% BD% D0% BA% D0% B0% 20 (% D0% BF% D1% 80% D0% B8% D0% BC% D0% B5% D0% BD% D1% 8F% D0% B5% D1% 82% D1% 81% D1% 8F% 20% D1% 81% D1% 82% D0% B0% https://cdn-107.anonfiles.com/TaD3Jcpav4/2751fe86-1639040625/Roof%20Tiles-manual.pdf D0% B2% D0% BA% D0% B0% 2039, 9 %% 20% D0% B3% D0% BE% D0% B4% D0% BE% D0% B2% D1% 8B% D1% 85)% 20% D0% B8% 20% D1% 83% 20% C2% AB% D0% A5% D0% BE% D1% 87% D1% 83% 20% D0% B1% D0% BE% D0% BB% D1% 8C% D1% 88% D0% B5% C2% BB% 20% D0% BE% D1% 82% 20% D0% A3% D0% 91% D0% A0% D0% B8% D0% A0% 20 (% D0% BD% D0% B0% D1% 87% D0% B8% D1 % 81% D0% BB% D1% 8F% D0% B5% D1% 82% D1% 81% D1% 8F% 20% D0% BE% D1% 82% 2012 %% 20% D0% B4% D0% BE% 2027.7 %% 20% D0% B3% D0% BE% D0% B4% D0% BE% D0% B2% D1% 8B% D1% 85,% 20% D0% BF% D0% BE% D0% BC% D0% B8% D0% BC% D0% BE% 20% D1% 8 D% D1% 82% D0% BE% D0% B3% D0% BE% 20% D0% B1% D0% B5% D1% 80% D0% B5% D1% 82% D1% 81% D1% 8F% 20% D0% BA% D0% BE% D0% BC% D0% B8% D1% 81% D1% 81% D0% B8% D1% 8F% 203.9 %% 20% D0% BE% D1% 82% 20% D1 % 81% D1% 83% D0% BC% D0% BC% D1% 8B% 20% D0% BE% D0% BF% D0% B5% D1% 80% D0% B0% D1% 86% D0% B8% D0 % B8% 20 +% 20 390% 20% D1% 80% D1% 83% D0% B1% D0% BB% D0% B5% D0% B9).