Aliexpress provides many payment methods, including, with the help of bank cards. But does it matter which one to choose for these purposes? It has, since each provides for its sizes of commissions and additional service conditions. Given this, Tinkoff Bank has created special cards, when using whose payment for orders on the trading platform, the buyer will receive certain advantages. We offer to learn more about them and the features of their use.

Tyankoff cards on Aliexpress: credit and debit

Today, bank cards are an important tool that is used for different purposes, including payment for purchases on the Internet. At the same time for the last 5 years their use for online shopping has grown in 2 times. This gave the basis of modern banks to develop special cards that would take into account the features of such payments. It did not exception in this regard and Tinkoff Bank, which pleases customers with its quality product. Assigning such efforts can Aliexpress users can appreciate, because it is for payment on this trading platform, special cards have been developed.

This was possible due to a joint program of successful bank loyalty and popular trading platform worldwide. Therefore, we suggest to consider Tinkoff cards to Aliexpress: credit and debit and learn their features.

They are different in essence, since they have different conditions of use. The rules of service are also distinguished, but there are still general moments. First of all, both belong to the category MasterCard World with the possibility of contactless payments (PayPass). The main feature is the ability to receive bonuses for purchases made and in the future spend their subsequent orders.

Features of using Tinkoff Credit Card on Aliexpress

To begin with, we consider features of use Credit card Tinkoff on Aliexpress:

• There is a grace period during which the client can return the money received without payment of interest - it is 55 days from the date of registration.
• If you use branches of banks to remove money, which are Tinkoff Bank partners or their ATMs, then an additional commission will be charged 390 rubles.
• The amount of payment for the return of debt is determined in each case separately, but always does not exceed 8 percent.
• If branches of banks or terminals are used to repay the debt, which are Tinkoff Bank partners, then these actions are charged for free.
• It is possible to receive monthly discharge either by mail or email. At the same time, payment for such a service will also not be charged.
• The size of the service charge for one year reaches 990 rubles, and if there is additionally added yet 590 rubles.
• You can use SMS banking, but this service is considered paid and will have to pay 59 rubles per month.
• When using funds for purchases on Aliexpress using bonuses, you can return 5 percent of the amount spent. If you pay for other purchases or services, then 1 percent of the amount spent will return. Accumulated points can be further spent on posting new purchases.

Tinkoff Debit Card: Features

Many buyers are interested in what a debit card Tinkoff: features of design and its use. To begin with, consider the procedure for design, which consists of several stages:

• First of all, it is necessary to go to the official website of the bank and select a tab that is provided for debit - and click on the Aliexpress symbol (if you need to make a credit, then you should choose the appropriate tab).
• After that, it is necessary to make certain information (it is standard for both credit and debit): the name, name and patronymic of the future owner, his mobile phone and email.
• Additionally, when clearing the debit - information is made about whether there is a potential owner of citizenship of the Russian Federation or not. When issuing a credit - indicates the desired amount of the loan.
• Finally, you must put a tick in a special window to confirm familiarization with the terms of information transfer. To send an application, it is enough to click the "Next" button. Please note that there is text next to the patch window - it denotes an active link, when you go on which you can familiarize yourself with the conditions for transmitting information.

Having done this procedure, you need to expect a call from bank employees. They will report all additional information about the map, as well as about the place where it can be obtained. In general, the design procedure takes no more than 2 days.

Sphere of use of a debit card to Aliexpress

After receiving, it is necessary to go through the activation procedure, since they deliver the card in an inactive state. In the process of activation, the owner receives a PIN code that will be needed in the future when used. The final action, which will finally make it valid, is considered the signature of the owner on the reverse side. Only after these actions can be moved to its use.

Although debit Card on Aliekspress quite monotonous - it is the payment for the purchase of Tinkoff Bank has provided an opportunity to use it for other purposes. Above all, this payment terminals typically store various purchases. In these cases, the owners need to enter a PIN code. It is also possible to withdraw cash from any ATM in this case we should not forget that when using ATMs that do not belong Tinkoff Bank, will be charged additional fees. About the size of the commission when withdrawing cash, the owner will advance warning. As for payments on the Internet, before each purchase on the phone will come SMS with a special code to confirm. Remember that it is impossible to tell anyone for safety reasons. When you change phone numbers, you need to update this information in the Internet bank to be able to make payments without obstacles on the Internet.

Instructions for payment of the goods on the map Tinkoff Aliekspress

Note that instructions for payment of goods card Tinkoff on Aliekspress does not have any special features, and provides default actions.

First we need to choose the appropriate product, indicate all the appropriate parameters and add it to your cart. After this you can proceed to the payment page, thus if some orders were selected from different vendors can be paid in one payment.

You choose the appropriate payment method, namely MasterCard, and fill out all the necessary information:

• name and surname;
• room;
• validity;
• three-digit code.

After checking all the data and making sure that they are correct, you can confirm the action by clicking on the button "Completion of payment".

In this payment procedure is considered complete, all that remains to be done - to expect the delivery of parcels and enrollment bonuses. When used for these actions debit - it will be returned 2 percent of the value of the goods.

Bonus points from purchases on Aliekspress of Tinkoff

We are paying attention to how the interest on Tinkoff Bank offers to its clients. If you are using credit to return the money failed in the grace period, then you have to pay such interest:

• of 23, 9 to 32 9 % Per year - while the main condition that the funds were spent on Aliexpress or other resources.
• 2 9,9 until 3 9,9 % Per year - if the money is withdrawn from an ATM

Now consider, as it provides for bonus points on purchases at Aliekspress of Tinkoff. Thus, the maximum score that can be obtained in a single month - less than 6000. If the number of orders made during the month, or buy expensive goods, resulting in exceeding the allowable bonus balls, the rest of them transferred to the next month.

Payment receipt of bonuses - within 7 days from the date of payment. According to the rules of the bank settlement 1 point is equal to 1 ruble. Especially the use of bonus points - set their minimum amount necessary for the payment of the purchase. Their size is 500 points, so when the product will cost less than 500 rubles, then will be shot 500 points.

It is interesting that for its clients, the bank provides the action, where you can win extra bonuses for purchases paid.

Advantages of debit card Tinkoff on Aliekspress

Considering the advantages of debit cards at Tinkoff Aliekspress should highlight the following aspects:

• If payments are not related to the Aliexpress, will return to 1 percent of the value of the goods. In some cases, you can find offers from partners of the bank associated with the ability to get from 3 to 30 percent of the amount spent.
• Possible to obtain the payment of interest on the funds that remain on your account, and their size depends on the balance amount. If it is up to 500 000 rubles, while the size of 8 percent, while the amount of more than 500 000 - 4 percent.
• For debit - will be charged only on the condition that her less than 30 000 rubles. The amount of payment in such cases - 99 rubles per month. If the amount exceeds the mark of 30 000 rubles, while service runs free.
• Cash withdrawal through Bank Tinkoff partners can be free of charge, provided that the amount does not exceed the mark of 3000 rubles. If the amount is less, then you have to pay 90 rubles. Interestingly, if in a month so shoot more than 150 000 rubles, the commission will be charged at a rate of 2 percent of the total amount, but not less than 90 rubles.
• When transferring money to the card partners Tinkoff Bank surcharge of 1.5 per cent, but not less than 30 rubles.
• When replenishing Tinkoff through partner banks in the amount of 300 000 rubles, then the commission is paid in exchange of the 2 percent of the amount. If the top-up amount does not exceed 300 000, then no interest is charged.
• If you want to receive text messages about the movement of funds, while the amount for this service will be 3 9 rubles per month.

Map Tinkoff on Aliexpress

Another advantage is that an additional card is provided to the owner's account. It will allow native to make money from the owner card, including for paying purchases on Aliexpress. You can arrange it both through the Internet bank and by phone. In this case, all expenses can be easily controlled using an SMS Bank or Internet Bank. Such an additional map of Tinkoff on Aliexpress has another advantage for the owner of the main and consists in the ability to independently determine the expenditure limits optional.

Despite the many advantages, you can allocate and disadvantages of use Tinkoff for Aliexpress. If you consider credit - then permanent users allocate the following negative aspects:

• big percent size;
• the amount of return is small if you make payments for goods purchased not on Aliexpress;
• it is advantageous to spend bonuses only when buying goods over 500 rubles, otherwise they burn in vain.

As for the debit card, there are such disadvantages:

• it is necessary to use it constantly so that there is no unclearned losses;
• • The percentage of funds return on Aliexpress is too small;
• the size of the annual percent is also small.

Thus, every buyer has the ability to independently decide whether it needs a Tinkoff Bank product for payments. At the same time, flaws are hidden in many advantages, so it is worth it to carefully weigh everything in and against. If the questions remained, then we suggest watching a video - Tinkoff: Debit card for Aliexpress.