How much money do you need for food in Cyprus? Cyprus currency and how much money to take with you. Before you leave home and go to the airport, check the mandatory list of what you need to take to Cyprus

Promsvyazbank is one of the reliable and honest banks operating in the Russian Federation.

He constantly takes care of his clients and creates unique tariff packages that allow you to effectively manage your money.

If the client agrees with the bank’s terms and conditions and meets the minimum requirements, then he is given a special credit card with a money limit and a limited validity period.

The conditions for the Promsvyazbank credit card are essentially the same, but the credit limit amounts are different types plastics may vary. This will be discussed further.

Advantages of credit cards from Promsvyazbank

Promsvyazbank cooperates with many payment systems, which is very beneficial for clients. When issuing credit cards, the client himself chooses the tariff and type of card.

International payment systems VISA and Master Card are very popular, which allow you to take advantage of not only a grace period for lending, but also a special overdraft service.

This function will be very useful for many customers who are used to paying for their purchases with a plastic card.

Overdraft allows you to write off the entire amount from the client's account and automatically pay the missing part with credit funds.

There is a grace period for all purchases when paying with plastic. This means that for two months the borrower will not pay for the use of loan funds. But in this case, do not forget that if at the end of the grace period the client still has a debt, then interest will be calculated and they will also have to be repaid.

Types of credit cards from Promsvyazbank and their features

Promsvyazbank offers its clients several types of credit solutions. This allows you to choose the best option based on the client’s capabilities and needs.

The most popular of them is Visa Classic, the overdraft size for classic is 250 thousand rubles, for comparison with Gold cards it will be 350 thousand rubles.

When using a credit card, the bank allows 50 days not to pay interest: clients enjoy the benefits of lending and undertake to repay all debts on time.

Then no interest will be charged, the main thing is that after the grace period, the debt is paid in full.

The grace period is calculated only for the money that was spent. When cashing out credit funds, the bank immediately charges a fee for their use.

Visa cardholders are also provided with additional service, which will allow you to issue a card to another person and thereby give access to your bank account. In this case, there will be several users, but the account will remain one.

"For any purpose"

Promsvyazbank offers a variety of plastic cards, among which the popular “For Any Purposes” is popular. It is a standard credit card; employees can offer to issue the card in several variations:

PSB super card. Available limit is 600 thousand rubles, free service and an extended grace period of 145 days. But such a card can only be obtained by those clients who have worked for more than one year. The commission for withdrawing cash from a Promsvyazbank credit card will be 4.9% of the amount. For using credit funds you will have to pay 29.9% per annum.
PSB-platinum. The amount of available credit is 100 thousand rubles, and the commission for using borrowed amounts will be equal to 29.9% per annum. For withdrawing money, the bank will charge a commission of only 4.9%. But servicing the card will be very cheap and will amount to only 49 rubles per month.

All credit cards from the “For all purposes” category support the Internet banking service. This is very convenient for users, because you can control your balance from any convenient place only if you have a laptop and the Internet.

"For travel"

Travel credit cards will be useful for those clients who often travel through Transaero airlines.

Thanks to this cooperation, customers can accumulate bonuses on each flight, which can be used as discounts on the purchase of other air tickets. There are several release options:

PSB planet. Credit limit 400 thousand rubles. For every 100 rubles spent, the system will award 1.5 bonus points and an additional 100 points upon graduation. You will have to pay only 399 rubles per month for service. There are no additional fees for withdrawing cash abroad; interest on a Promsvyazbank credit card is 27.9%.
PSB planet platinum. The maximum available loan amount has been increased and is 600 thousand rubles. Opportunity to receive 2.5 bonus points for every 100 rubles spent and 200 points as a gift upon registration. The cost of service is 599 rubles per month. You will have to pay 25.9% to use the loan.

To receive plastic, the client must meet several minimum requirements set by the bank.

The first step is to leave an application on the official website of Promsvyazbank, there will be several items that must be filled out.

It is very important to indicate all the data correctly, because the plastic card will need to be received at a bank branch, where an employee will check all the client’s data. The minimum requirements include:

The card can be obtained by citizens of the Russian Federation aged from 23 to 65 years.
Having a permanent job with more than 4 months of work experience, with a good income. The higher the income, the more favorable the tariff and the larger the credit limit the bank can offer.
If the client already has an open bank account, then employees will be able to offer credit plans on more favorable terms.

The application must also include your full name, date of birth and contact information. A letter with the login and password for your personal account on the Promsvyazbank website will be sent to the email specified in the application.

By logging into it, the client will see information about himself, the interest rate on the card, the limit and other details.

More about the map

100 days Without interest on the loan;
Limit loan up to 500,000 rubles;
Interest rate from 14.99%;
The cost of annual maintenance is from 1190 rubles;
Free deposit and withdrawal of cash;
Free Internet banking;
Free mobile banking.

Card from Tinkoff Bank

Apply for a card

More about the map

55 days Without interest on loan;
Interest rate from 12%;
Installment plan at 0% up to 12 months;
The cost of annual maintenance is from 590 rubles;
Minimum payment up to 8%;
Free card replenishment;
Bonus points for spending on the card;
Free Internet banking;
Free mobile banking.

Card from Eastern Bank

Apply for a card

More about the map

56 days Without interest on the loan;
Limit loan up to 300,000 rubles;
Interest rate from 11.5%;
Issuance of passport in 5 minutes;
Free Internet banking;
Free mobile banking.

Card from Raiffeisenbank

Apply for a card

More about the map

52 days without interest on the loan;
Limit loan up to 600,000 rubles;
Interest rate from 28%;
The cost of annual maintenance is free;
Cashback 5%;
Free Internet banking;
Free mobile banking.

Card from UBRD Bank

Relevance: May 2019

The Supercard credit card from Promsvyazbank is able to attract the attention of users with an interesting offer: a long grace period (145 days), quick decision-making, as well as free issue and maintenance.

The credit card belongs to the Platinum category, which indicates the privileges and opportunities that MasterCard and Visa can offer cards of this level.

Tariffs and conditions

Promsvyazbank credit card has the following conditions:

There is no annual service fee for the first year, and RUB 1,500 for subsequent years. in case the average non-cash turnover on the card over the past year was less than 30 thousand rubles. per month.
The maximum possible credit limit is 600 thousand rubles. The exact amount is assigned by the bank individually; it will depend on what income the borrower has and how it is confirmed.
Cash withdrawal limit cash– no more than 500 thousand rubles. daily and no more than 2 million rubles. monthly.
The interest rate for non-cash payment is 34.9% per annum.
Commission for cash withdrawal from ATMs is 4.9%. The minimum cash withdrawal amount is RUB 299.
The first grace period is up to 92 calendar days, subsequent ones – up to 55 days.
The minimum monthly payment is 5% of the debt amount.
The penalty for failure to pay the debt, including the minimum payment per month, is 20% per annum of the entire debt amount. The fine is calculated for each day of delay.
Commission for re-issuing a card before its expiration date is RUB 1,300.
Payment for SMS notification – 69 rubles. per month.

The credit card has a bonus system. When paying for purchases with a SuperCard, bonuses are credited to the holder’s account and can be spent (every 10 bonus points are equal to 1 ruble).

Points can be used to pay for purchases (up to 90% of the cost of goods and services, provided that there are at least 7,000 points on the card account), they can be donated to charity, paid for services and commissions of Promsvyazbank, or exchange bonuses for money.

A credit card from Promsvyazbank 145 days has an electronic chip that provides additional protection when paying for purchases, and it also supports MasterCard PayPass contactless service technology.

The Promsvyazbank Supercard holder can issue an additional card for himself or his loved ones. There is no annual fee for the first additional card, for the second and subsequent ones additional cards it will be 999 rubles.

Requirements for holders

Any citizen can apply for a Promsvyazbank credit card Russian Federation whose age ranges from 21 to 63 years. The total work experience must be at least 1 year.

To get a credit card from a bank, you will need temporary or permanent registration, or a permanent place of work in the region of application to a branch of Promsvyazbank.

To confirm your income you must provide one of following documents: certificate 2-NDFL, international passport with a note border control, which confirms visits to other countries, not including CIS countries) during the last six months, a certificate of registration of any vehicle and account statement bank card, which is opened in the name of the client.

List of documents required to complete the application:

Application form.
Passport of a citizen of the Russian Federation.

When issuing a card, the bank will offer two payment systems: Visa Platinum and MasterCard World. There are no differences in tariffs and capabilities between these cards.

You can fill out an online application for a credit card on the bank’s official website www.psbank.ru.

How to close a card?

If you need to cancel your Promsvyazbank credit card, you will need to close your credit account and make sure that you have no remaining debt to the bank.

To do this, visit any bank branch, find out the current balance and leave a request to close the current account.
It is recommended that you certify and keep a copy of the application.
Then get a certificate stating that you have no debt on your credit card and only after that you can give the card to employees for recycling (it is advisable to make sure that it has been cut into pieces).

Really favorable conditions

Grade: 5

I received a credit Supercard from Promsvyazbank. To obtain one, you must have Russian citizenship, a stable income, an official job, with at least 1 year of work experience, and permanent registration. The maximum credit limit on the card can reach 600 thousand rubles. Interest-free period 55 days. When using money for the first time - 145 days.
It is worth noting that during the interest-free period you still need to pay a minimum payment of 5% of the amount. It does not pay off the principal amount of the debt, but is a fee for the use of funds.

Only advantages in this card!

Grade: 5

Advantages of the “Supercard” from Promsvyazbank:
+ upon the first withdrawal/use of money, the interest-free period is 145 days, after that - 55 days. This should be taken into account when registering.
+ for monthly use of money on the card from 30 thousand rubles, the service is free.
+ decent credit limit, with good income. The maximum limit is 600 thousand rubles. The bank determines the amount based on the client's income.
+ cards are available to users special promotions and bonuses from bank partners.
+ privileges of platinum card holders are available on the card.
+ the card has a security chip.
+ Internet and mobile banking available.

There are nuances to the map

Grade: 4

I didn’t read the terms and conditions of this card very carefully. I liked the slogan 145 days without interest, so I applied for this card. The limit was set small - 40 thousand.
When I started using the card and delving into the conditions, I realized that only the first grace period is so long, and all subsequent ones are the standard 55 days. But I still continue to use the card because it accumulates points for purchases.

Just a great credit card

Grade: 5

Yes, this is truly a super card. Firstly, it simply has a huge grace period, which is 145 days. True, there one condition must be strictly fulfilled, that is, repay the debt at 5% of the amount. But if this is not done on time, then the grace period is reduced and is about 92 days, which in principle is also not bad. Secondly, you can withdraw cash without fear, since this does not reset the grace period, unless you have to pay a fee for cashing out. Although, since such operations are charged as much as 4.9%, I would recommend removing them as rarely as possible and only when absolutely necessary.
Also, in the 1st year of using this credit card there is no service fee, but it is very impressive and from the 2nd year it amounts to 1,500 rubles. But it can also be avoided if you spend more than 30,000 rubles during the previous reporting year. In general, this condition is very easy to fulfill, especially if you use the card regularly.
Plus, the bank also provides free SMS information, which also allows you to save money. The only thing is that her rate is somewhat high (34.9%), but if you use the money wisely, then it does not create much trouble.

Long first grace period, not very convenient system for calculating bonuses

Grade: 4

The most attractive thing that seemed to me about this card was the first grace period of 145 days. That's why I chose her. After signing all the documents, I had a personalized, chipped, embossed MasterCard Platinum card in my hand.
I immediately turned off paid SMS notifications. The cost of annual maintenance with an average monthly purchase amount of 30 thousand rubles is zero, if not fulfilled this condition- 199 rubles per month.
The grace period lasts 92 days, subsequent ones - 55 days. In order for the first grace period to really last 145 days, you need to make the minimum payment (5%) for the first 3 months, then it will go into the 2nd grace period of 55 days and a total of 145 days.
The rest is all standard. In order not to pay that same 27.9% per annum, I always manage to pay off the debt during the grace period. I don’t withdraw cash and don’t recommend it to anyone. There are a lot of possibilities for non-cash payments, this is what the card is designed for. If I still want to withdraw money from an ATM, I will pay a hefty commission of 4% (at least 299 rubles). By the way, in Personal Account It is possible to set a limit on cash withdrawals so that there is no temptation.
I don’t really like the PSBonus bonus program; regular cashback would be better, otherwise all these bonus transfers back and forth bother me a little.
But discounts from partners are a really cool thing. I subscribed to the newsletter and receive constant updates on promotions. Sometimes it can be very profitable. I top up my card at ATMs so as not to stand at the cash registers, although it is also possible by transferring from card to card.
I use a credit card mainly to pay in stores and sometimes for nice discounts. The bonus program interests and attracts me little.

Super card!

Grade: 5

Honestly, for me, this is a super card! 145 days of grace period - this has never happened before, I’ve been using money for almost the 5th month and haven’t overpaid a penny! It is convenient to buy something significant with this card, not cheap, which is often given on credit in stores. Really one-touch shopping) Convenient, simple, everything is clear and no deception!

Nice card with a long interest-free period

Grade: 5

Promsvyazbank is a bank that is among the 10 best banks in Russia. Very interesting map with an interest-free period of up to 145 days! To be profitable, you need to meet this deadline to repay the borrowed amount, otherwise 30% or more per annum.
You can withdraw cash from your ATMs and partner ATMs, and from yours you can do it interest-free. SMS is paid - 69 rubles per month.
The first year of service is free, then paid. Penalties, transfer to another currency are all spelled out in the contract.
To get the maximum installment plan, you need to make a card in the first days of the month, then the repayment period increases. To extend the interest-free installment plan to 145 days, for example, to 92 days, which was originally given to you when you received the card in the first days, you need to pay at least 5% of the amount with the card during the first 3 months, then for the remaining period the interest-free period will increase. Taking small amounts with this card is very profitable, for example 100-120 thousand.

It’s a pity they don’t specify that up to 145 days

Grade: 5

Undoubted advantages of the card:
-Free issue and annual maintenance,
-You can get to the promotion and receive free SMS within a certain period,
-The opportunity to receive a card with a limit of 100 thousand without a 2-personal income tax certificate.
For a larger amount, in this card, and this is 600 thousand rubles, then you cannot do without a salary certificate.
-Polite staff, 24/7 hotline, online application processing and the ability to see the approved amount online.
Disadvantages:
-I’ll take paid cash withdrawals to other ATMs, and this is 299 rubles minimum for any withdrawal, you must admit that not all cities and villages have these ATMs, and you need to withdraw money in approximately the same conditions,
- High interest rate in cases of non-payment.
In general, I am pleased with the purchase, my “Super card”, so far I have never overpaid at such an unappetizing interest rate upon early repayment.
Credit cards no longer scare me with their obligations to the bank. The design, of course, is not for everybody. To really have 145 days of interest-free service, I advise you to take out a credit card at the beginning of the month, this way the benefit will last longer. I paid with a card for all purchases and received additional cashback.
I didn’t pay a single percentage to the bank for the loan, because I paid everything off ahead of schedule during the so-called Grace period, and the bank only had it for 55 days. I transferred money in three ways, this bank has few ATMs, but everything can be solved.

Questions and answers

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Promsvyazbank is a large universal financial company that has been providing services to Russian citizens for more than 20 years. We will determine the conditions for the Promsvyazbank credit card. Let’s compare the indicators of the main criteria and also identify the distinctive features of the proposals:

The page on the company’s official website will also help you determine which Promsvyazbank credit card suits the client’s needs. In this case, the user just needs to mark the desired factor in the list of advantages. Ownership of a plastic card may vary:

Inexpensive service;
High cashback;
A long period of interest-free use of funds;
Availability bonus programs, designed for travelers;
Large loan amount.

For example, clients have access to a Promsvyazbank credit card with a grace period of more than 100 days.

Recipient requirements

A citizen of the Russian Federation with permanent registration within the country has the right to issue a credit card at Promsvyazbank. The company also imposes other requirements on the borrower:

The age of the applicant is limited to 21 - 63 years at the time of registration of the financial product;
The place of residence, work or registration address must be located within the region of the bank branch where the client applied;
Possession of at least 2 contact telephone numbers. At the same time, at least one must be mobile.

Also, the applicant’s work experience must correspond to at least 1 year.

Required documents

A credit card in PSB with a limit of up to 100 thousand rubles is issued if you only have a passport of a Russian citizen. The applicant simply needs to fill out an application form. To order a borrowed financial instrument in an amount over 100 thousand rubles, you will need a document confirming the presence of a stable income (in form 2NDFL).

Online card order

You can order a credit card without leaving your home. An online application for a Promsvyazbank credit card is submitted through the company’s official website. It is enough for the client:

Select the loan product you are interested in.
Fill out the electronic application form.
Receive the bank's response via SMS message.

The courier will deliver the card to the specified address free of charge. The owner will only have to activate it using mobile application or online banking. Maximum size the borrowed amount when placing an online order is 100 thousand rubles. By visiting a branch of a financial company, the client has the right to receive up to 600 thousand on credit.

What to take with you to Cyprus in 2016: packing your suitcase

First of all, you need to collect a first aid kit; naturally, there are pharmacies, but they are usually open until three o’clock in the afternoon, plus your hotel may be far away. Therefore, it’s better to pack a first aid kit and carry it with you if possible.

Attention: In Cyprus, many medicines are sold only by prescription! It is better and safer to take everything you need with you.

If you get sick, call only the number listed on your insurance! Medicine on the island is expensive.

A first aid kit to Cyprus should contain:

burn remedy (sunscreen is a necessity in Cyprus)
tablets for headaches and toothaches
antipyretics
cardiovascular drugs
allergy remedies, it is unknown how the local flora will affect you
plaster, iodine, brilliant green, bandage and cotton wool
antiseptics
hydrogen peroxide (it will help with injuries/cuts, and it’s good to rinse your mouth if you have a sore throat)
Levomekol ointment (good for cuts)
the food is unusual, so stock up on remedies for diarrhea, bloating, and abdominal pain
activated carbon
thermometer

What else to throw in your suitcase and take with you to Cyprus

It is better to put a white and black spool of thread and small nail scissors in your suitcase.
Folding knife
If you are traveling with children, it will not be a bad idea to throw a bar of soap or a small bag of washing powder with you. Almost all hotels have a limit for free washing - about 3-5 kg of clothes.
There is a hairdryer in every room, but the story with irons is sad. If you travel often, buy a mini-iron.
If you are not traveling on an all-inclusive basis, bring a boiler.
Your favorite playing cards won’t take up much space, and will help brighten up the evening.
Sun loungers on the beaches are paid, but if you have them, bring a reed mat or a large beach towel.
Don’t forget the standard arsenal: sunglasses and, of course, a video camera, a camera.
If you want to rent a car, scooter or buggy, don’t forget to take your license with you!
Mosquito repellents are never superfluous.
Wet wipes are useful both on the plane and during excursions.
Thermal water - great for facial skin (you can buy it at a pharmacy or cosmetics store)

What clothes to take to Cyprus

The set of things depends on the season - look at the weather in Cyprus by month, but there are things that you should always take: comfortable shoes, a sun hat and a windbreaker (this will come in handy in the evening even in summer).

Winter: sneakers, demi-season clothing, warm socks, light hat and gloves, umbrella.
Spring and autumn: light jacket, sweater and warm socks.
Summer: do not forget that entering the restaurant is only possible in trousers or jeans and T-shirts; do not limit your wardrobe to just shorts and T-shirts (for men). Make a choice in favor of things made from natural materials - better than cotton and linen.

Wardrobe for a trip to Cyprus for a man

socks - at least three pairs
underwear, swimming trunks or swim shorts
sneakers, summer sandals, beach shoes
shorts, t-shirts, tank tops
shirt, jeans or trousers for visiting a restaurant
light jacket

Basic rules when packing clothes for women before traveling to Cyprus:

Dear ladies, Cyprus is Europe, it is not customary to dress flashy and bright here. If you don’t want to look like women of easy virtue, remember: a minimum of cosmetics during the day, comfortable clothes, preferably from natural and wrinkle-resistant fabrics. Comfortable shoes, not heels for the beach. Beautiful outfits are appropriate when dining at a restaurant. Do not forget about the rule of a long skirt and a covered head when visiting temples and monasteries.
Do not take expensive jewelry; it is better to replace it with cheap jewelry. In case of “sinking” in the Mediterranean Sea it will not be so bad.
Soberly assess the number of days and the number of outfits, you will take exactly half back “unworn”

Before you leave home and go to the airport, check the mandatory list of what you need to take to Cyprus:

Documents, passports, plane tickets, voucher, insurance, visa. You can leave your regular passport at home
Money or card
Mobile phone (connect roaming)
Camera
Be sure to bring a pen and notepad
Chargers for all equipment, batteries and battery charging, flash drives
First aid kit
Comfortable shoes and clothes for the flight
Anti-nausea pills (if you can’t handle the flight well or are flying for the first time)
Rights
Cosmetic bag
Personal hygiene products (hotels do not provide toothbrushes and toothpaste)
Shaving accessories
Mini iron, hair curling iron, hair dryer
It’s better to take a towel with you (in case something happens, it can easily replace a sun lounger)

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