Auchan Credit Europe Bank. Characteristics of the Auchan credit card

Today banks, together with many retail chains, issue credit cards, such as the Europe Bank Auchan card, which allow you to receive discounts on products of the network of the same name, participate in various promotions or accumulate bonuses when paying. In this case, all three parties benefit: the bank, the retail chain and the client.

The Auchan retail chain is no exception in this case, which, together with Bank Europe, issued an Auchan credit card. For those who need favorable loan, Europe Bank offers the Auchan card as an ideal solution to your money problems.

Credit Card Auchan Visa Classic

The Auchan card belongs to the Visa Classic payment system. It allows you to make various types of payments in Russia and abroad: both in stores and on Internet sites.

If you do not want to use credit funds, you can use the Auchan card as a debit product.

Advantages of the Auchan card

The most significant advantage of the card is that when making purchases in the Auchan retail chain, bonuses are awarded in the amount of 1% of purchases, and 0.8% for purchases in other retail chains.

The credit limit can reach 200 thousand rubles. At the same time, it remains on the card throughout its validity period, provided that the client repays the debt on time.
The grace period for this credit card lasts 50 days. During this time, you can use bank funds absolutely free.
Many positive reviews can be found about the Auchan credit card, an online application for which can be submitted in hypermarkets of the same name.
There is no card issue fee.
Low cost annual maintenance credit cards - 290 rubles for those registered in Moscow or Moscow Region; for other cities the service is 470 rubles.
Mandatory payments are low compared to other credit products - 5% of the amount of debt on the card.
The Auchan credit card is issued to the client within 5 minutes after he contacts the bank employees.
The credit card is active for three years. Its re-release is absolutely free.
Allows you to pay for purchases in online stores.
Possibility to pay for purchases with a 5% discount in Auchan partner stores.
When paying for goods with an Auchan card, you will be charged bonus points about the total price of the entire purchase. The card holder constantly participates in the program, within which one accrued point can be exchanged for one ruble. The exchange is not made for cash, the accumulated rubles on the Auchan credit card, the terms of the program allow you to spend only on the purchase of goods or exchange for the same name gift card.

Credit card Card Credit Plus

Among the owners of the Auchan card, most leave positive reviews about it. If you wish, you can read customer impressions on the Europa banking Internet pages and the Auchan store forum. Among all the advantages, cardholders like the fact that this credit product can be used as debit card and at the same time accumulate the bonuses promised by the program. High-quality service and a fairly low fee for it play an important role in choosing a card.

Disadvantages of the Auchan card

Along with the listed advantages, the Auchan card also has disadvantages, like all credit products.

Big annual interest, accrued for the use of credit funds. It’s interesting that the Auchan credit card has different credit interest depending on where the purchases are made. When paying with credit funds in the Auchan retail chain, money is returned at a rate of 28.9% per annum. And when paying for goods in other stores or cashing out – 33%.
You can only withdraw a quarter of the credit limit.
The grace period is unlike other banks, which can lead to misunderstandings and delays on the part of clients. Countdown grace period on an Auchan credit card begins on the 21st day of the month in which the purchase was made or the next following month. That is, if you made a purchase on June 1, then your reference period began on May 21. Therefore, it is better to make purchases using the Auchan card between the 21st and 23rd.
On the 5th month of using a credit card, a fee will begin to be calculated for SMS notifications, which amounts to 360 rubles per year. Whereas in others banking organizations this service free. More detailed information can be found on the Internet by typing “credit Europe bank card Auchan” in search engines.
When withdrawing your own cash from the card, the commission is 0%, but if you want to withdraw credit funds, then be prepared to pay no small percentage of the amount – 4.5.

There are no charges on your own funds on the card or the balance on it.

Additional services on the card

Credit card Card Credit Europe Bank

At Europe ATMs you can find out your credit card balance.
Free access to Internet banking.
Possibility to change the card pin code at any ATM of Bank Europe.
Possibility of receiving account statements every month, both by mail and by e-mail.
SMS notification connections. However, it is worth remembering that starting from the fifth month, this service becomes paid. Its price is 50 rubles per month.
The ability to insure yourself against accidents and death. Two insurance programs are offered with the Auchan credit card - “Comfort +” and “Be Healthy”.
For Auchan card holders of the Visa Classic system, a discount of 5 percent or more is provided in the hypermarket's partner stores.

We issue an Auchan card

To become the owner of an Auchan card, you need to contact any hypermarket of the same name and submit an application. The card is issued by Bank Europe employees within a few minutes. The card is valid for 36 months and after given period or if it breaks, it will be replaced for you absolutely free of charge.

Documents for obtaining a credit card:

Passport. You must be a Russian citizen who is 21 years old, but not older than 65.
If you are counting on credit limit more than 70 thousand rubles, you must provide a salary certificate. For lower amounts, one passport is sufficient.
Availability of telephones – at least 3. You can apply for an Auchan credit card online using the Internet.
Work experience at a permanent place of work for more than 4 months.

Credit card Card Credit Gold Europe Credit Bank

Loan repayment methods

Cash in the bank office and self-service devices.
Non-cash transfers from any other account in any bank.
Using the terminals “QIWI”, “Eleksnet”, PlatForma”.
At any post office.

Card maintenance and its pitfalls

Auchan clients are always ready to be served by a support service whose specialists even at night and in holidays will help solve any problems you may have with your credit account.

You can find out any information on your account, block/unblock a card and ask any question about the Auchan program over the phone or through Internet banking, which is a free application for clients of Bank Europe. Using the Internet, you can request account statements (monthly and even annual), see the number of accumulated points and shopping centers where you can spend them. There is no doubt that Bank Europe offers the Auchan credit card together with the Auchan retail chain at a very favorable conditions, both for the buyer and for ourselves. However, you should not rush to apply for a card without studying the nuances that everyone can encounter.

Card conditions you need to know:

For late payment of debt and interest thereon, the penalty is 20% per annum.
In case of overdue debt, increased interest is charged on it - 59.9 per annum.
If you exceed the established limit for a day, a fine is also charged - 0.08% per day of the amount exceeding the limit.
When requesting information about the account balance at a “foreign” ATM, the fee is 30 rubles. for the operation.
Deposit fee own funds is not withdrawn only if you use an ATM; when contacting offices, the service fee will be 200 rubles.
Commission fees for cash withdrawals are 4.5%, but not less than 399 rubles, both at Bank Europe ATMs and at third-party organizations.

The Auchan card is multifunctional and universal credit products, which allow you not to think about the quantity Money in your wallet, and buy as many goods as you want.

Are you interested in the design offer from Auchan? credit card by filling out online applications? In this review, you can learn how to get this product and how to use it correctly to get maximum benefits.

So, this map is joint banking product , which was released as part of a partnership project between Credit Europe Bank and the Auchan retail chain. This card can be used to store and use both your own funds (debit option) and borrowed funds (credit option).

It allows its owner to make any types of payments both in Russia and abroad. Online shopping is also supported. It is possible to withdraw cash with a minimum commission from Credit Europe Bank ATMs.

The main advantage of this offer is that for all purchases you receive bonus points, which can then be used as a discount.

If you pay with a card in AUCHAN (a real or online store), you will be credited with 1% of the amount spent on your bonus account, in other stores - 0.8%.
Each point is equal to 1 ruble, which can then be exchanged for gift cards with denominations from 250 to 20,000 rubles.

Account currency is Russian rubles,
The maximum credit limit that can be obtained is up to 200 thousand rubles,
The interest rate varies from 28.9 to 33% per annum depending on which stores use this product. If in Auchan stores, then the percentage is 28.9%, and if in other chains or when cashing in funds, then 33%,
There is a grace period without charging % for use credit funds lasting up to 50 days. We tell you how it works here. Please note that it is counted from the 1st of every month, regardless of when the purchase was made,
There is a minimum monthly payment, it is 5% of the current debt + accrued interest.

Who can receive this product: citizens of the Russian Federation with permanent registration and working experience of at least 4 months. Age – from 21 to 65 years, must have 3 different contact numbers(two landline and one mobile).

If you need an amount of up to 70 thousand rubles, then proof of income is not required, a passport is enough, but if you want to manage a larger amount, then for registration you will need to prepare a 2-NDFL certificate in advance.

You can pay off your debt without commission in the following ways:

At the ATMs of Credit Europe Bank JSC, funds will be received instantly,
In terminals through the Oney menu.

Clients are provided with SMS notification services costing 60 rubles. per month (the first month is free, 24-hour telephone support center 8-800-700-9-814 and Internet banking.

Unfortunately, you can only apply for an Auchan credit card in the retail chain itself, so if you need a credit card with the ability to apply online, we advise you to look at other options in

More recently, with the growing popularity of AUCHAN hypermarkets, Credit Europe Bank issued a rather interesting card. The card itself is intended directly for payment in Auchan stores. Auchan "Credit Europe Bank" card - pros and cons, advantages over other cards, and how can you get it?

Auchan "Credit Europe Bank" card with bonuses and discounts

Conditions for Auchan bank card

The card itself is issued directly in the international payment system under the status. That is why the card can be used not only in our country, but also abroad: making various purchases, transfers and even withdrawing cash from ATMs.

The card is a credit card and has a fairly large credit limit of 250,000 rubles, which is much more than many banks. Also, in the first 50 days you receive a grace period and can pay with the card without interest rate. Further, after the grace period expires, the rate will be 27% per annum, which is not so much.

Bonus loyalty program Auchan

The Auchan Credit Europe Bank credit card also has a rather profitable bonus loyalty program. Moreover, bonuses are awarded when paying worldwide, including when purchasing online.

If you make purchases in the Auchan chain of stores, you will receive 1% points or bonuses from the amount. And when purchasing in other stores, the percentage will be 0.8. When you accumulate a certain number of points, you can exchange these bonuses for gift cards from Auchan. 1 bonus is equal to 1 ruble at the loyalty program rate.

Auchan card discount program

The card also includes a discount program that allows you to purchase goods and services at reduced prices. To do this, you need to spend money on the card with the partners of the bank and this program. Full list Partners and stores can be viewed on the Credit Europe Bank website. The percentage of discounts varies greatly from 3% to 5%.

How to get an Auchan “Credit Europe Bank” card

You must be a citizen of the Russian Federation and have a passport in your hands. Also, if you want to request a limit of more than 140 thousand, then you must have a certificate of income for the second personal income tax form and work experience of at least 3 months in the same organization.

Conclusion

On this moment this is one of the most profitable credit cards, which correct use gives you the opportunity to get into the black and win within your means through bonus and discount programs.

More recently, Auchan hypermarkets accepted credit cards of the same name for payment. Currently, you can pay for your purchase using any payment instrument. financial institution, but the popularity of Auchan Visa Classic did not suffer from this. The reason is that it provides the holder with not only one benefit in the form of a credit limit, but many others as well.

Many people mistakenly call it a credit card. Objectively speaking, the card is a debit card, and its holder has the opportunity to use it as borrowed funds, and personal.

An overdraft is provided for the payment instrument - a revolving credit limit. You can deposit your funds different ways, for example, through Credit EuropeBank terminals. Exactly this financial institution issues a payment instrument and provides borrowed funds to the holder. There are also many other ways in which you can deposit money into your account.

To apply for a credit card, you can contact a bank branch. To obtain it you need to have a passport. The simplest option is to get a credit card directly at the Auchan hypermarket. Issuance occurs on the day of application.

Credit EuropeBank positions the payment instrument as payment card with overdraft. It is accepted for payment in all retail chains in Russia and abroad. Holders become participants in the discount and bonus program. The latter is carried out on the basis of a partnership agreement with the Auchan retail chain.

Advantages of a credit card:

loan size – up to 250,000 rubles;
when paying for goods and services in Russia, a bonus of 1% is awarded;
When paying for goods and services on the Internet and abroad, a 0.8% bonus is awarded.

A rate of 27% is charged for the use of funds (Moscow region). In the regions the rate is 31.5%. Minimum commission for cash withdrawal: 399 rubles, 4.5%. Required monthly payment on debt is 5% of total amount. For using the SMS notification service, a fee of 50 rubles per month is charged.

The joint Credit Europe Bank and Auchan Visa Classic card is causing a lot of talk and angry responses from users. Let's look at what the product is and the key points of interaction with the bank.

Design features of the Auchan card

The first thing that clients are interested in is the card developed by Credit Europe Bank and Auchan - credit or debit? Many users have issued a card without delving into the specifics and terms of service, and therefore are now actively looking for information to understand the capabilities of the card.

Purpose of the card

This plastic card is designed to provide a limit for making purchases, and therefore acts as a debit card, but with an allowed overdraft. The latter is the amount that can be “borrowed” at a convenient time. But it also has its own characteristics. In particular, for making purchases, conditional points are transferred to a special account. Subsequently, they can be exchanged for gift cards. Moreover, each point is equivalent to a ruble. Having accumulated, for example, 500 bonuses, the client can write them off and purchase an Auchan gift card for the same amount.

Pick-up point

Plastic is issued from Credit Europe Bank in Auchan. You must contact the credit department at any hypermarket, fill out an application and sign an agreement. The registration procedure does not require a large package of papers or additional confirmations. It is enough to have a passport.

Conditions of registration

If you want to get a card with a significant limit (over 20 thousand rubles), then you will need information about employment and level wages. But these documents are not mandatory. Minimum requirements for the recipient:

Citizenship of the Russian Federation;
Registration of a permanent nature in the country;
Availability of a permanent stable income;
Employment at the current place of work – from 4 months.

Advantages of the Credit Europe Bank card

The Auchan Credit Europe Bank card belongs to the Visa Classic series, and therefore provides all the advantages of an international payment system. In particular, this is the opportunity to make transactions on the Internet, use it abroad and control the account remotely.

Card features

The product features are:

Credit limit: up to 250 thousand rubles;
Period for preferential debt repayment: 50 days;
Minimum payments: 3% of the principal and accrued interest;
Service: 470 rubles (in Moscow – 290 rubles);
Accumulation of points in the amount of 0.8-1% of money spent at Auchan, incl. through Internet resources;
Usage credit programs for Auchan non-food group products preferential conditions(reduced rates);
Discounts on purchases at Auchan and partner stores up to 3-5%;
Possibility to withdraw cash in the amount of ¼ of the allowed limit;
Possibility to suspend the card when traveling abroad.

Like any international product, the card has the ability to manage transactions via Internet banking. To view the balance or perform an operation on the Auchan Credit Europe Bank card, Personal Area you need to gain access (register).

Additional services

In addition, through remote services you can perform the following procedures:

obtaining card information from ATMs, receiving cash, the ability to change the PIN code;
receiving SMS about the expenditure of funds (the price of the service is 50 rubles from the second month of ownership);
receiving a report-extract by e-mail once a month;

For plastic holders, partner Auchan Insurance Company MetLife offers interesting conditions for its volunteer living program.