Tinkoff ALL Airlines card opening conditions

The content of the article

• What is Tinkoff Bank All Airlines Miles Card
• Tinkoff Airlines Card Terms
• Service cost
• Additional features with a loyalty program
• How to earn miles for all airlines
• How to Use Tinkoff All Airlines Miles
• Free insurance for visa and travel around the world
• Pros and Cons of a Tinkoff Airlines Credit Card
• How to make out

In an effort to expand its customer base, Russian banks offer more and more financial products designed for certain categories of users. Tinkoff Airlines plastic card is designed for travel enthusiasts. The owner has the opportunity to accumulate special bonuses, exchange them for airline tickets.

What is Tinkoff Bank All Airlines Miles Card

The following types of debit cards are issued:

• All airlines world. The simplest card in this series with a small service charge, cashback (refund).
• All Airlines Black Edition. Bank card with increased opportunities for obtaining bonus points, improved service.

Credit cards from this series:

• All airlines world. The card combines the possibilities of earning bonus miles for purchases, using borrowed money from a bank.
• All Airlines Black Edition. Improved version of the previous credit card.

These bank cards with airline miles provide the holder with the opportunity to receive an increased cashback for buying tickets, paying for tours and other financial transactions related to travel. With the help of accumulated points, the owner will be able to pay for plane tickets.

Tinkoff Airlines Card Terms

For a Tinkoff All Airlines World debit card:

1. Transfer of funds – free of charge for intra-bank transactions. For transfers to other cards – no commission for the amount of up to 20 thousand rubles. per month, if this value is exceeded – 1.5% of the difference, but not less than 30 rubles.
2. Withdrawing money from the account – depends on the method of receiving funds. When the operation is performed through partners’ ATMs and up to 100 thousand rubles are withdrawn per month, then with an amount of 3,000 rubles or more. there is no commission (if the owner cashes out less than 3000 rubles, then you need to pay 90 rubles). When cashed more than 100 thousand rubles. for the billing period – 90 rubles. plus 2% of the excess amount. From Tinkoff ATMs – up to 500 thousand rubles. per month withdrawn without commission.
3. Card replenishment – through payment devices of partners in the amount of up to 150 thousand rubles. per month – free of charge, if exceeded – 2% of the difference. Other options for transferring money to a card account (external transfer, etc.) – no commission.
4. Services – free Internet and mobile banking, information on basic operations (replenishment, withdrawal, etc.). A complete package of SMS alerts – 59 rubles. per month.

For Tinkoff All Airlines Black Edition debit card:

1. Interest accrual – 6% in the form of miles on the account balance, regardless of the amount of expenses in the current month.
2. Transfer and Withdraw funds – similar to the Tinkoff Airlines World card, except for cashing through partners’ ATMs. Up to 500 thousand rubles. per month – free of charge, if more, then 2% of the excess, but not less than 90 rubles.
3. Card replenishment – through partners’ ATMs in the amount of up to 500 thousand rubles. per month – free of charge, if exceeded – 2% of the difference. Other options for transferring funds to a card – no commission.
4. Services – Internet and mobile banking, full notification of operations – free of charge.

For a Tinkoff All Airlines World credit card:

1. Credit limit – up to 700 thousand rubles.
2. Grace period – 55 days.
3. Interest rate – depends on the financial transaction and the implementation of the loan conditions. If the client pays the debt during the grace period – 0%. When she is not in time with such payments, then with cashless spending – 15–29.9%, with cash withdrawals at ATMs – 29.9–39.9%.
4. Cashing commission – 390 rubles.
5. The minimum payment is up to 8% of the amount owed, but not less than 600 rubles. for the annual tariff and 3000 rubles. for monthly billing.
6. Services – free Internet and mobile banking, SMS notification – 59 rubles. per month.

For a Tinkoff Airlines Black Edition credit card:

1. Grace period – 55 days.
2. Credit limit – up to 700 thousand rubles.
3. Interest rate – after the expiration of the grace period, for non-cash purchases – 12–27.9%, for cashing – 25.9–35.9%.
4. Minimum payment – up to 8% of the amount owed, with the same payments as Tinkoff All Airlines World.
5. There is no commission for cashing out, the limit is up to 100 thousand rubles. per month.
6. Services – free internet and mobile banking, SMS alerts.

Service cost

• Tinkoff debit card ALL Airlines World – free of charge if the client has a Tinkoff bank loan or an account balance of more than 100 thousand rubles, in other cases – 299 rubles.
• Black Edition Debit Card – the service charge is determined depending on financial transactions. If the owner has a bank account in Tinkoff from 3 million rubles. or with a deposit of 1 million rubles. and the amount of purchases per month on all cards from 200 thousand rubles. – is free. In other cases – 1990 rubles.
• Tinkoff Airlines World Credit Card – depends on the selected tariff. When paying once a year – 1890 rubles. At a monthly rate, if the cost is less than 50 thousand rubles. – 249 rub. per month, otherwise – without payment. Additional credit card is served free of charge..
• Tinkoff Black Edition Card – same as debit of the same name.

Additional features with a loyalty program

For cardholders it is provided:

• Compensation for delayed flights (up to 30% of the ticket price).
• Opportunity to get 1 GB of Internet in international roaming for free.
• Carrying out various promotions, for example, 5000 miles when shopping in the first three months, etc..

In addition, for Tinkoff All Airlines premium debit and credit card holders, the loyalty program provides a special premium service:

• 2 monthly passes to the airport business classes (over this limit – $ 30).
• Car Concierge A free call once a month to deliver a car to a car service, etc. This service is available only for Moscow within the MKAD.
• Concierge service Prime – booking VIP rooms, translation services, organizing a cultural program, ordering tables in a restaurant, etc..

How to earn miles for all airlines

Conditions for debit cards:

1. Hotel reservations and car rental on booking.com and rentalcars.com through the Tinokoff Travel service (available on the website in a special section) – 8% for World and 10% for Black Edition. That is, for every 100 rubles spent. 8 or 10 miles will be awarded. Further, the exchange rate will be: 1 bonus point = 1 rub.
2. Purchase of train and air tickets – 3% for World and 5% for Black Edition when purchased through the Tinkoff Bank service.
3. Ordering tours – 4% for a regular card and 5% for a premium card.
4. Other acquisitions – 1.5% for Tinkoff World – provided that there are 100 thousand rubles in the account, in other cases – 1%
5. Interest accrual – 6% in the form of miles on the balance of the account. Tinkoff World has a prerequisite – monthly purchases worth more than 20 thousand rubles, there are no restrictions for the Black Edition.

Features of crediting miles for credit cards:

1. Acquisition of special offers through a mobile service or online banking – up to 30% of the amount spent. Hotel reservation and car rental – 10% on booking.com and rentalcars.com through the Tinokoff Travel service (available on the website in a special section).
2. Buying tours, rail and air tickets – 5% if paid through the Tinkoff bank service, 3% – in other situations (for example, directly at the box office).
3. Other acquisitions – 2%.

The rules for using the Tinkoff card have nuances in earning miles:

• In general, bonuses are credited to the account up to 2 days after purchase.
• By purchasing tickets through the Tinkoff Travel service, miles are accrued in two stages – first, the standard 3%, then up to 62 days from the date of flight – the remaining 2%.

How to Use Tinkoff All Airlines Miles

With bonus points that have accumulated on a credit card, you can compensate for the cost of tickets of any airline, while:

• The minimum threshold for reimbursement is 6000 rubles. The cardholder must accumulate this amount in miles in order to use the cashback program. For example, in order to gain such an amount of points on purchases in a year, you need to spend at least 25 thousand rubles monthly.
• You can pay for your ticket with miles only in full and not in part.
• Bonus deduction must be a multiple of 3000 miles, the remainder burns. For example, to pay a ticket at 6100 rubles. due to cashback, you need 9000 bonuses.
• Accrued bonuses are valid for 5 years, after the expiration of this period they are canceled.

Depending on the service the client uses, the purchase of several tickets can be carried out in one transaction or several. In the latter case, the cardholder will be charged a multiple of 3000 bonus points.

For example, when buying two tickets for 6100 rubles:

• Directly through the bank’s service – one transaction for 12,200 rubles, which requires 15,000 miles.
• Through the OneTwoTrip website – two transfers of 6100 rubles each, for which 18,000 bonuses will be written off.

Free insurance for visa and travel around the world

Another bonus for Tinkoff All Airlines card holders is the policy, which is relevant when traveling to most countries of the world (there are not many exceptions – Iran, Somalia, Sudan, Libya, etc.).

Features of this insurance:

• A single tour is limited to 45 days..
• It is issued for 1 year. After this period you need to get a new policy.
• The purpose of the trip, to which the insurance applies – rest (including active – snowboarding, etc.), education, business.
• The amount of coverage upon the occurrence of an insured event is up to 50 thousand dollars. This includes the cost of treatment, medication, transfer, international calls.
• The policy includes baggage insurance for up to $ 1,000 in case of loss or delay for a period of 6 hours.

Pros and Cons of a Tinkoff Airlines Credit Card

Benefits:

• Convenient reward miles program.
• Opportunities for getting increased cashback for travel destinations can increase the benefits for travel enthusiasts.
• Registration of an insurance policy when a credit card holder travels abroad. Even if you get a card just for the sake of it, it may be more profitable than contacting specialized companies.
• Quick receipt (compared to credit cards of other banks). The application review and approval process takes 1-2 days.
• With the help of accumulated miles you can buy a ticket for any airline.
• Tinkoff Bank Loyalty Program with additional features.
• Miles are not related to promotions held by the airlines themselves, so when buying tickets you can accumulate bonuses at the bank and the seller.

Disadvantages:

• The minimum compensation for tickets is 6,000 miles..
• The amount of reimbursement must be a multiple of 3000, while it is inevitable that part of the accumulated bonuses will not be used and will burn.
• The card is interesting for a narrow category of people who shop for large amounts and love to travel. For those who do not need to fly abroad, bonus miles are useless.
• Complex scheme with accrual of bonuses for purchases through the Tinkoff Travel service.

How to make out

1. Go to the official website of Tinkoff Bank.
2. Open the page with All Airlines cards. Find a suitable option.
3. Press the button “Issue a card”.
4. Enter the necessary information: last name, first name, middle name, mobile phone, email address, date of birth. Click “Next”.
5. Depending on the type of card (credit or debit), enter the remaining necessary information. For example, when filling out an application for a credit card, you need to indicate the place of work with the address and phone number, position, salary, whether there is a car and a passport, the desired limit. Click “Submit Application”.
6. Wait for consideration. The standard term is up to 2 days, but often this is done in 5-10 minutes. Regardless of whether the application is approved or rejected, bank employees will contact the applicant and report the result. If the decision is positive, it is necessary to agree where the courier needs to arrive to present the card.
7. Meet with a bank employee, fill out the necessary documents and get a credit card.
8. Activate Tinkoff All Airlines. This can be done by calling the call center or via the Internet. In the second case, you need to go to the Tinkoff Bank website, go to the page with the ordered card, click the “Activate” button.
9. In the window that opens, enter the necessary information (card number, etc.) and get a unique password.
10. Put your signature on the back of the card. Without it, it is considered invalid according to the rules of Tinkoff Bank.