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ÊCREDIT CARD OPTIMALNAYA
Kreditprombank offers to its clients new credit card OPTIMALNAYA, which can be used to pay for goods and services in the trade and service enterprises. Credit limit is set on the card account without security and pledge processing in the amount of from 500,00 UAH. Up to 10 000,00 UAH., but not over 200% from an average monthly earnings.
The main advantage of the card ÎPTIMALNAYA – possibility to use a loan during a certain period (max 45 days) with min interest rate - 0,1% per annum.
You also are given the possibility:
- To use the credit more then once, without additional visit to the bank;
- To regulate the amount and term of used credit limit yourself;
- To place personal funds.
HOW TO RECEIVE OPTIMALNAYA CREDIT CARD?
You have to visit nearest Kreditprombank outlet and provide the documents:
Passport of Ukrainian citizen;
ID code reference;
Certificate of income for last 6 months.
SPECIAL CONDITIONS FOR THE DEPOSITORS OF THE BANK
For depositors, who during not less then 6 last months placed deposits, equivalent of the amount of which not less than 5 000,00 UAH, the bank set special conditions to receive card áàíê ÎPTIMALNAYA: the card is provided with credit limit set – 2 000,00 UAH without the certificate of income.
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 MASTERCARD MASS, VISA CLASSIC PETROL PLUS |
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| Type of transaction | Cost of transaction |
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| Settlement-cash service of card account (CA) with issuing: 1 |  |
- main card in the complex with the card of the same class or lower of the different payment system
| 30,00 UAH |
- every card, which reissued on the initiation of the Holder during its validity term
| 25,00 UAH |
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| MASTERCARD GOLS, VISA GOLD PETROL PLUS |
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| Type of transaction | Cost of transaction |
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| Settlement-cash service of card account (CA) with issuing: 1 | |
- main card in the complex with the card of the same class or lower of the different payment system
| 100,00 UAH |
- every card, which reissued on the initiation of the Holder during its validity term
| 30,00 UAH |
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| COMMON TARIFFS FOR ALL TYPES OF CARDS |
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| Type of transaction | Cost of transaction |
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| Interests for overdraft use (% per annum) | 50% on CA in UAH, 30% on CA in USD, 30% on CA in EUR |
| Interests accrued on the CA balance (% per annum) | 3% on CA in UAH with balance on CA not less than 150,00 UAH, otherwise – not accrued, 2% on CA in USD with balance onn CA not less than 30 USD, otherwise – not accrued, 2% on CA in EUR with balance on CA not less than 30EUR, otherwise – not accrued |
| CA replenishment using POS-terminal | 0,50 UAH |
| Cash withdrawal*: 2 | |
- in the net of enterprises and ATMs of OJSC «Kreditprombank» while receiving cash at the expense of Holder’s own
| 0,75% of the amount of transaction on CA in UAH, min 1,00 UAH; 0,75% from the amount of transaction on CA in USD, min 0,20 USD; 0,75% of the amount on CA in EUR, min 0,20 EUR |
- in the bet of the enterprises and ATMs of OJSC «Kreditprombank » while receiving cash at the expense of set credit limit
| 5% of the amount of transaction on CA in UAH; 5% of the amount of transaction on CA in USD; 5% of the amount of transaction on CA in EUR |
- in the network of ATMs "ATMOSPHERE" while receiving cash at the expense of Holder’s own funds
| 0,75% of the amount of transaction on CA in UAH, min 1,00 UAH; 0,75% of the amount of transaction on CA in USD, min 0,20 USD; 0,75% of the amount of transaction on CA in EUR min 0,20 EUR |
- in the network of ATMs "ATMOSPHERE" while receiving cash at the expense of set credit limit
| 5% of the amount of transaction on CA in UAH; 5% of the amount of the transaction on CA in USD ; 5% of the amount of transaction on CA in EUR |
- in the net of Ukrainian banks and ATM’s while receiving cash at the expense of Holder’s own funds
| 1,2% of the amount of transaction on CA in UAH. + 5,00 UAH; 1,2% of the amount of transaction on CA in USD + 1,00 USD; 1,2% of the amount of transaction on CA in EUR + 1,00 EUR |
- in the net of Ukrainian banks and ATM’s while receiving cash at the expense of set credit limit
| 5% of the amount of transaction on CA in UAH + 5,00 UAH; 5% of the amount of transaction on CA in USD + 1 USD; 5% of the amount of transaction on CA in EUR + 1 EUR |
- in the net of foreign banks and their ATM’s while receiving cash at the expense of Holder’s own funds
| 1% of the amount of transaction on CA in UAH, min 15,00 UAH; 1% of the amount on CA in USD, min 3,00 USD; 1% of the amount on CA in EUR, min 3,00 EUR |
- - in the net of foreign banks and their ATM’s while receiving cash at the expense of set credit limit
| 5% of the amount of transaction in UAH, min 15,00 UAH; 5% of the amount of transaction on CA in USD, min 3,00 USD; 5% of the amount of transaction on CA in EUR, min 3,00 EUR |
| Cancellation of settlement – cash transactions with payment cards by putting the in the stop-list: |  |
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| 1,00 UAH |
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| 5,00 USA |
- hard IPS Visa, except cards Visa Electron3
| 80,00 USA |
- electronic and hard IPS MasterCard for the period from 1 till 6 months/ more than 6 months3
| 50,00 USA / 80,00 USA |
| Withdrawal of the card by ATM of the other bank (except technical failure of ATM) | 15,00 USA |
| Request for a copy of a document, confirming transaction on the CA (for request) | 10,00 USA |
| Request T&E document, confirming transaction with payment card during payment car rent, air tickets, hotel services and so on (for request) | 30,00 USA |
| Information about the balance on CA: |  |
- in ATM of OJSC “Kreditprombank” (per transaction)
| 0,10 UAH |
- in ATM of other bank (per transaction)
| 2,00 UAH |
| Issue of additional reference on CA (per issue) | 5,00 UAH |
| Issue of reference on availability and condition of CA (per reference) | 18,00 UAH |
| Issue of mini-reference in ATM OJSC “Kreditprombank” (per request)2 | 0,20 UAH |
| Conversion of transactions, performed in currency, different from CA currency | On the rate of the bank |
| Transactions of funds from CA to CA (in UAH) in the net of ATMs of OJSC “Kreditprombank” | 5% of the amount of transaction |
| CA service fee, with fuel application issue4: | 10,00 UAH |
Issue of the cards of international payment systems is performed for the residence of Ukraine. Fee payment is performed in UAH.
Pursuant Cl.3.2 of the Law of Ukraine "On Value Added Tax» and the List of generic transactions on settlement/cash serving, performed by the banks of Ukraine, is not subject to VAT.
1 – fee is set forth with consideration that cards are issued for the term till two years. Chip cards are issued till two years, cards with magnet stripe – till one or two years. While issue the card with magnet stripe on the initiative of the Holder for its validity term – SCS, mentioned in tariff, decreases in two times.
2 – If CA is opened in foreign currency, fee amount is calculated in UAH on the bank’s rate at the day of write off.
3 - fee is charged when the card is in the stop-list for every region and factual term for 1 month. The cost of putting the card into the stop-list is mentioned in the table. The cost of putting the card into the stop-list for one month is mentioned in the table. If it is necessary to put the card in more regions and for the longer term, the fee is multiplied by the number of necessary regions and months.
4 - fee is charged for each change of the fuel application for each PC. The maximum size of the fuel application is set up for PC Visa Electron Petrol Plus - 100 litters per month, for PC Visa Classic Petrol Plus, Visa Gold Petrol Plus – up to 500 litters per month. Without estimation of the payment ability of PC Holder under the condition of provision of the certificate of vehicle registration, Visa Electron Petrol Plus PC can be issued with fuel application for 100 litters per month.
* - On this bank product the limit on cash withdrawing is set (250 hrn on one PC) and number of transactions during a day (one transaction is possible on PC).
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8-800-507-90-90, 8 (044) 490 27 77
infocentre@kreditprombank.com
