MTS bank cards combine the necessary credit and financial instruments. Protection technologies take into account the current security conditions of holders’ currency funds.
MTS CASHBACK The card that can do everything
- 5% cashback at gas stations, cinemas and pharmacies
- 111 days without %
- Free card service
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MTS Money Zero credit card
- Cash from credit card without fees
- 0% per annum
- Instant approval
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The principle of operation of the cards complies with the requirements of the Central Bank of the Russian Federation and international payment systems. By choosing the right plastic card from MTS, you can get a faithful assistant in financial problems. To do this, it is important to identify the basic needs:
- The main function of the future card: credit, debit with a savings account, or virtual.
- Target areas: receiving a salary, shopping in an online store, paying off loans, etc.
- Currency of account funds used: dollars, rubles, euros and others.
- Territorial scope of use: local use or for payment abroad.
- Additional functional options: the possibility of contactless payment, cashback and receiving cumulative interest.
Having decided on all the listed points, choose an MTS card that suits the tariff conditions. You can apply for it by contacting the nearest bank office or filling out an application on the official MTS Bank service.
Credit cards
Despite the relatively small number of credit cards in MTS, the bank has something to interest potential clients. This includes a long grace period of up to 111 days and the absence of interest for using credit funds and even the accrual of cashback for purchases.
Universal MTS CASHBACK card
The card that can do everything
- Grace period up to 111 days without %
- 5% cashback at supermarkets and gas stations
- Registration only by passport
- Free service
MTS released a universal product that combined both a debit and a credit card - the MTS CASHBACK plastic card, working under the MasterCard system.
Advantages of MTS offer:
- the card is free to use;
- when purchasing in supermarkets and gas stations, increased cashback is applied;
- no commission for withdrawing your money from any ATM;
- setting a credit limit of up to 299,999 rubles under loyal conditions;
- Within the system, transfers are not subject to commission; when transferring to cards of another bank, there is a minimum fee of 15 rubles;
- there is a grace period for lending of 111 days for purchases using the card, when no interest is charged on the amount of debt, subject to the bank’s requirements for making minimum payments;
- It is possible to issue a virtual card of the same name for contactless payment and use in online stores.
But what about the shortcomings?
Note that the main disadvantages of using the card are related to the credit part of the product, namely:
- the company’s website states that the annual interest rate varies from 11.9 to 25.9, the final decision is announced only after consideration of the application on an individual basis;
- if you want to withdraw or transfer credit money, you will have to pay a serious commission: 3.9% of the withdrawal or transfer amount + 350 rubles on top, and if you do this through the MTS Bank cash desk, then in case of withdrawal you will pay 4% , and another 7% will be charged for transfers through the cash register;
- if you suddenly fall behind on your loan payment by more than 3 days, you will be subject to sanctions in the form of a daily penalty in the amount of 0.1% of the debt amount, and your annual rate will increase to 36.5%;
- The card is not suitable as a salary card or for depositing funds from any organizations - when transferring funds to your account from any legal entity (LLC or individual entrepreneur), the service will charge a commission of 5%.
You can apply for a universal MTS CASHBACK card through an application on the official website, as well as in communication stores and company offices. If you are unable to receive the card in person, there is a courier delivery service.
Important: the cost of issuing the card will be 299 rubles. The card currency is rubles.
About cashback. Accrual.
Subscribers of any telecom operators can take part in the program to return spent funds.
Important: cashback is returned in points!
The principle of operation is simple: you buy the goods you need in large supermarkets, refuel your car, go to the cinema and receive an increased cashback of 5%. All other purchases receive 1% standard cashback.
For some purchases, MTS partners give a refund of up to 25% of the cost.
You can check the cashback amount in the app in the partner cards section.
Important: the maximum monthly refund amount is 10,000 rubles.
How to spend what you have saved?
MTS involves spending the points received to pay mobile bills, top up the balance for yourself and your family if they are subscribers of this operator, pay for home Internet from the provider of the same name and TV broadcasting services, as well as pay for entertainment services from MTS and its partners.
In addition, you can get a discount on the purchase of mobile phones, tablets, and any related products from the product range of MTS salons. The discount is issued in your personal account or in the application by receiving a discount certificate number in the form of a code. The certificate is unnamed and can be given as a gift by giving the number to your loved ones. This point redemption option is limited to the next quarter.
Important: you can independently manage the accrued cashback and decide in what proportions and for what purposes you will spend your points.
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MTS Weekend credit card
Card with ruble cashback with payment every Friday
- Up to 5% cashback paid every Friday
- Up to 51 days without interest
- Issuing a card is free
- Card delivery - free
“Weekend” is a card that provides a credit limit of up to 299,999 rubles on favorable terms. Annual card maintenance is 900 rubles. The grace period for using credit funds on the account is 51 days. During this period, no interest is charged for using funds on the card. After the end of the grace period, the loan rate will be from 24.9% to 27%, depending on the personal conditions approved by MTS Bank. The mandatory payment on debt is 5%, but not less than 100 rubles.
There is no additional fee for cashing out funds. For payment by credit card, cashback is awarded in the amount of 1% of the cost of all purchases. From funds spent on taxis, cafes, restaurants and sports equipment - return 5% of expenses. Payments are made once a week, on Fridays.
Basic loan terms:
- Reaching the age of majority at the time of receiving the loan.
- Presentation of a Russian passport.
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MTS Money Zero credit card
Credit card without interest
- 0 ₽ for cash withdrawal
- 0% for using a loan
- The cost of servicing the loan is 30 ₽ per day if there is debt
- The maximum loan amount is RUB 150,000
MTS Bank offers its clients who choose this product quite attractive conditions for its use. The advantages of plastic make it a desirable banking instrument for every person who values his time and money:
- the ability to withdraw cash without commission at any convenient ATM in Russia or abroad;
- an attractive grace period of service, during which no interest is charged for using the card, is 3 years and 20 days from the date of the first expenditure of borrowed funds;
- simple registration and receipt of plastic - you just need to fill out an application on the official website of the bank or through the State Services service;
- free and accessible online and mobile banking;
- convenient delivery by courier - the card is delivered at a time and place convenient for the client absolutely free of charge;
- automatic termination of the contract if there are no transactions on it within 6 months.
If the application is approved, the plastic can be obtained at any office of MTS Bank PJSC. Delivery by courier is also provided.
How to activate
After receiving the card, you need to activate it to start using it. Activation is available by calling the toll-free number 88002500890. When you call this number, the answering machine will offer a menu to choose from. To activate the card, you must select button “3” and then button “1”. The service will transfer you to the access code settings. Then you should enter the code from the message sent by the system to your phone. After this, you can enter the PIN code that will be used for credit plastic. The operation is completed by entering the confirmation code CVC2.
How to top up
Repayment of debt on plastic can be done by replenishing it. The process is simple and can be carried out in the following ways:
- using an MTS Bank ATM;
- at any branch of MTS Bank;
- by bank transfer from any card or account;
- in special payment terminals;
- through payment systems such as “Rapida”, “Golden Crown”, etc.;
- non-cash transfer from electronic wallet accounts of Qiwi, YandexMoney, WebMoney and other payment services.
Terms of use and tariffs
| Condition/service | Tariff/cost, rub. |
| Card issue | 299 |
| Card servicing (if there is a debt on the 20th day of the current month) | 30 |
| Grace period | 36 months+20 days |
| Credit limit | 15000 |
| Minimum payment | 5% (minimum RUB 500 + service fee) |
| Cash withdrawal fee | 0 |
| Deposit fee (for individuals) | 0 |
| Deposit fee (for legal entities) | 5% |
| Commission for transferring own funds from plastic to plastic | 1% (minimum 49 RUR) |
| Commission for transferring own funds from account to account at an MTS Bank branch | 1.5% (minimum 20 rubles, maximum 2000 rubles) |
| Commission for transferring own funds from the account | 0.3% (minimum 20 rubles, maximum 150 rubles) |
| Commission for transferring credit funds from card to card or to account | 3.9%+350 rub. |
| Commission for transferring credit funds from account to account at an MTS Bank branch | 7% |
| Fine for failure to comply with the terms of a plastic loan agreement | 0.1% daily of the debt amount |
| Cost of SMS notification | 59 rub./month. |
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MTS Money Weekend credit card for salary clients
Card with privileges for salary clients
- Credit limit up to 400,000 ₽
- Cashback in rubles up to 5%
- Free maintenance and release
- Free shipping
Convenient and simple card for payroll. The ability to get a credit limit of up to 400,000 rubles, many categories for receiving cashback, easy payment methods make this card irreplaceable.
Every Friday, 1% of the amount of all purchases and 5% of the funds spent on payment will be returned to the card:
- Night clubs and bars.
- Cafes, canteens and restaurants.
- Sports equipment.
- Sports clubs.
- Taxi services.
You can credit the card with credit funds up to 400,000 rubles. The amount is determined depending on the wishes of the borrower. The interest-free period on the card lasts 51 calendar days. The interest rate on a credit card is from 19.9% to 27%. Zero commission for cash withdrawals in all Russian terminals.
For a busy person, it is important to have the ability to quickly and easily control transactions and pay for purchases. MTS has provided for this possibility. The following services are available for MasterCard World:
- Service "Contactless".
- Mobile and Internet banking.
- Contactless payment “Apple Pay”, “Samsung Pay”, “Android Pay”.
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How to fill out an application for
You need to do the following:
- We go to the MTS Bank website, open the “Cards” section in the main menu.
- Select the desired option from the list. For convenience, the cards are divided into categories. Here you can find detailed information for each of them and choose the most suitable one for yourself.
- Click on the “Apply card” button on the page with a description of the selected option.
- Fill out the application form - full name, phone number, email. To increase your chances of getting a loan, you can order it through the State Services service.
- We send the data and wait for a call from the bank. A company representative may call to clarify some details.
- The response comes via SMS - the client is informed about the rejection of the application or its acceptance.
- After a positive answer, come to any office or branch of MTS Bank and pick up your card.
Credit cards are usually received according to this principle, unless otherwise stated in the conditions:
- To obtain a bonus, you must contact the bank directly.
- The Detsky Mir debit card is issued in any store of this retail chain, while the credit card is issued for delivery by courier.
- "Peace" - through the organization.
- Obtaining a virtual card is entirely done through the mobile application.
After receiving the card, your personal account will be available on the MTS Bank website. You need to register in it - enter your phone number, bank account, passport details. It’s convenient to manage payments here - all card features are collected in one place, which helps the client save time and comfortably use their funds.
Debit cards
MTS debit cards are beneficial to use both for storing personal finances and for making payments in stores. The bank charges up to 5% per annum on the card balance and up to 25% cashback on purchases from partners, 5% for purchases in certain categories and 1% in all others.
Debit card MTS Money Weekend
Card with weekly cashback in rubles and income on the balance
- Card service from 0 ₽
- Up to 5% on balance
- Cashback up to 5% with payment every Friday
- Free cash withdrawal from any ATMs of the Russian Federation and MTS Bank cash desks
MTS Money Weekend is a debit card that combines optimal financial conditions and modern functions.
Visa Platinum is suitable for regular turnover of funds. By actively using the card, making purchases in the amount of 15,000 rubles per month or maintaining a balance of 30,000 rubles on it, you will receive free annual service.
Cash out accounts with MTS Money Weekend at all ATMs in Russia without commissions or pay for purchases in stores using PayWave contactless payment technology.
When you open a card, a “Savings Weekend” account is automatically generated, to which on the fifth day of each month you can receive 6.5% on the account balance. To do this, you need to maintain a stable balance on the card of at least 1000 rubles throughout the month.
Another advantage of MTS Money Weekend is a 5% cashback on the purchase of sporting goods, payment of bills in cafes, restaurants and taxi services. Cashback of 1% is awarded on other purchases.
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Debit card MTS Money Weekend 14+
New card for teenagers from 14 years old
- Card service from 0 ₽
- Up to 5% on balance
- Cashback up to 5% with payment every Friday
- Cash withdrawals - no commission at ATMs of any banks in the Russian Federation
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MTS Money Premium debit card
Card with a package of privileges
- Priceless Cities Program
- Access to MasterCard business lounges
- Premium clubs and collections
- VIP Privileges World MasterCard Black Edition
- Priority Pass card
- Insurance and insurance policy for traveling abroad (TZR)
MTS Money Premium debit bank card provides favorable conditions and provides many advantages to its holders.
Along with the card you will receive:
- A solid package of MasterCard privileges: open access to business class lounges, VIP status “World MasterCard Black Edition”, the “Priceless Cities” program, premium collections and clubs.
- Contactless payment function with Apple Pay, Samsung Pay or Android Pay.
- Insurance.
- Emergency service.
- MasterCard Concierge.
- Priority Pass card.
The included “Priority Pass” card is worthy of special consideration. This is a real find for people who fly frequently. With it you will be able to wait for the plane in the VIP-class waiting rooms, regardless of the class of the ticket. The program involves more than 600 halls at international airports in 100 countries.
Issuing a card does not require investment and is free. Annual servicing of the card will also be free with a turnover of 100,000 rubles on the card or with a minimum account balance of 400,000 rubles. When issuing a card, the option of SMS informing the client by phone about all monetary transactions is activated - do not miss a single detail. Along with the card, you will receive a free insurance policy for traveling abroad (TZR) and travel insurance.
MTS Money Premium provides:
- Replenishment of the card without commissions.
- Stable 1% cashback on any purchases.
- High annual interest on the account balance – 6.5%.
- Commission-free withdrawal of funds from an account at Russian ATMs of MTS and other banks included in the list of preferential cash withdrawals using a plastic card, as well as 3 commission-free withdrawals in other countries.
If you lose your MTS Money Premium card abroad, you will be able to take advantage of free cash issuance and replacement of the card.
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MIR debit card
- 0% commission when withdrawing cash from MTS Bank ATMs and ATMs of partner banks
- Up to 5% per annum on card balance
- Free issue and maintenance
The Mir plastic bank card is a national payment system that allows you to pay for goods and withdraw funds around the world.
This card is received by employees of all budgetary organizations as part of the project for salary transfers, scholarships, benefits and pensions. It is free of charge and does not require annual maintenance. The many advantages of the “World” card include:
- The ability to use a bank card not only in Russia, but also in other countries.
- Many available operations: transfers to other cards, payment for online purchases, cash withdrawals.
- Payment for various services via the Internet or ATMs: Internet provider, mobile operator, housing and communal services and others.
- Free withdrawal of funds from MTS banks and its partners.
- Uninterrupted operation and security of operations within the country.
- Cash insurance up to 1,400,000 under the “deposit insurance” program.
- Modern contactless payment technologies with PayWave technology.
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Virtual cards
Virtual cards from MTS Bank do not have physical media. Essentially, these are details consisting of 16 digits - card number, card expiration date and CVС2 code. This information, along with the balance, is sent to the client via SMS message.
A virtual account is well suited for paying for services and goods on the Internet. You can easily pay a fine, book a hotel, buy a game or purchase goods in an online store.
MTS CASHBACK Lite
- Cashback for purchases from partners up to 25%
- Cashback for everyday purchases 3%
- Free issue and maintenance
Debit virtual card MTS Bank
For purchases and payments online
- 100,000 ₽ maximum balance
- Service - 0%
The money limit on the card is limited to 100,000 rubles, but you can determine the required balance yourself. The monthly turnover is not limited.
For replenishing a virtual account, a commission of 0.75% of the total amount is charged (not less than 50 rubles).
Management and use of this virtual card is simple and convenient:
- To perform transactions, no additional PIN codes are required; the data from the received SMS is sufficient to carry out a secure operation.
- The main currency is Russian rubles. When paying in foreign currency, conversion takes place at the MTS Bank rate with an additional payment of 2%.
- You can make a financial transaction while in any country and having only the details of a virtual card.
- Thanks to the SMS notification option, you always know the balance on the card.
- “3D Secure” protection technology ensures complete confidentiality and a high level of security.
Replenishment of the card's current account is available in the Internet bank from a mobile number or by transferring using the card details of your other accounts.
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Requirements for borrowers
MTS Bank credit cards are available to citizens from 20 to 70 years old. The region of residence of the potential borrower does not matter. For registration you only need a passport, salary certificates are not needed.
An online application can be filled out on the bank’s website, and the preliminary decision will become known, as is currently the case, in a few minutes. The bank can deliver the card by courier free of charge.
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Conditions for receiving cashback with an MTS bank card
Cashback is a partial refund of money spent on purchases made with a card.
According to the terms of MTS Bank, refunds are made on Friday of each week. Cashback is only credited on purchases made from Monday to Sunday of the previous week. Cashback is not refundable for cash withdrawals, transfers to other accounts and limited purchases. According to the personal conditions of the card, 5% is accrued for a certain category of goods, and 1% for the rest. The monthly cashback amount does not exceed 3,000 rubles.
What if you need a loan?
If you urgently need money for a large purchase, repair or vacation, at MTS Bank you can apply for a universal MTS Cashback card with a grace period of up to 111 days, free servicing, a credit limit of up to 299,999 rubles and cashback from 1% to 25%.
The bank's clients also have access to MTS Money Weekend, Detsky Mir, and MTS Money Zero credit cards, each of which is designed for a specific category of the population and can satisfy any financial needs.
Convenient services from MTS Bank
Internet banking and mobile application. These services allow you to make transfers or payments in any convenient place, track expenses, control the execution of card transactions and find out the account balance.
Online banking will also help you:
- Quickly and easily pay for the services of mobile operators, Internet providers, debts for housing and communal services or fines from the traffic police.
- Upon first request, receive a statement of all transactions within a specified period of time.
- Exchange currency at a favorable rate.
- Block or unblock cards.
- Connect useful services and options.
There are several options for installing the MTS Bank application:
- By clicking on the link received in an SMS from the bank when registering a card.
- Download it from PlayMarket, AppStore or Windows Phone Market.
- Using your device's QR scanner program.
To log into the Internet bank or mobile application, use the login - password that you received via SMS - message when you issued a bank card.
"Android Pay"
Makes it possible to pay for your purchases in a few simple steps - by unlocking your phone and swiping it over the cash register.
If necessary, touch the fingerprint sensor to agree to the operation. Payments made using this method will be displayed in the payment history.
This service is safe and confidential - card data is not used, a virtual account is generated instead. If your phone has been lost, you can block or delete all data on it using the “Android Remote Control” option. You can pay with Android Pay in all stores that support contactless payment.
Step-by-step adding an MTS card to the Android Pay application:
- Make sure your Android version on your smartphone is 4.4 or higher.
- Install the application on your NFS-enabled device. You can download it from the Google Play market.
- Go to the application and click on the “Add card” button.
- Enter the required data in the field that appears, or scan the data from the card by holding it up to the device’s camera.
- Accept the terms and conditions of MTS Bank and Google.
- Confirm permission to link the card with the password received in the message.
- Wait for the operation to complete and the card to be added.
"Apple Pay"
Apple Pay is a payment service for iPhone owners. As with Android Pay, payment is made with a light touch of the hand.
Adding MTS cards is done as follows:
- Open the app on your Wallet device.
- Click the plus icon in the right corner of the screen.
- Select "Add a payment card".
- Follow the app's instructions.
"Apple Watch"
To link a card to Apple Watch you need to:
- Go to the Apple Watch app on your iPhone.
- Click on “Wallet and Apple Pay”.
- Select “Add a bank card”.
- Enter the data and confirm the operation with the code from the SMS received from the bank.
"Samsung Pay"
Samsung Pay is a payment service for Samsung smartphone owners. Its essence, like previous services, is contactless payment for goods. A special feature of this application is magnetic stripe emulation, which allows you to make payments even on terminals that do not have a contactless payment function.
The MTS card binding scheme is similar to previous systems:
- Checking for software updates.
- Login to the Samsung Pay application.
- Click on the “Add” button or on the map symbols.
- Entering details manually or using a card reader.
- Agreement with all bank terms and conditions by clicking on “Accept all”.
- Entering the code received in the SMS notification.
- Signing with a stylus or finger.
- Saving data.
- The card is ready for payment.
Samsung Pay
The functions of this application are identical to the previous ones, but it is developed for phones of the Korean concern Samsung. A distinctive feature is that the application emulates the magnetic stripe of the card, making it compatible even with terminals that do not support the contactless payment function. To link an MTS card, use the following instructions:
- Install the latest version and log into the application;
- Adding a card by entering its details;
- Acceptance of the terms of service;
- Confirmation by entering the password sent in a text message.
“Autopayment” is a simple service that makes life much easier for MTS card users.
Its main functional capabilities are:
- Timely replenishment of your cellular account, transfer to a card or payment for a service.
- Possibility of round-the-clock payments from anywhere in the world.
- Easy connection to the service and democratic pricing policy.
- Displaying account transactions in the statement for a specified period of time.
MTS offers several types of “Autopayment”:
- “Automatic payment at balance threshold” will help you top up your phone balance from a card by a specified amount when your account balance drops to 30 rubles.
- “Scheduled automatic payment” transfers the specified amount to the account with an interval of 7, 15 or 30 days.
You can enable this option from any MTS Bank card in several ways:
- Through MTS terminals and ATMs.
- In one of the branches of MTS Bank.
- Thanks to the services “SMS Bank-Info” and “Internet banking”.
