Get a credit card for cash withdrawal. Credit cards without interest. Is it possible to withdraw cash without commission at Sberbank of Russia

The question of how to withdraw money from a Sberbank credit card without a commission is due to a very favorable conditions provision of this service by the bank.

Can I withdraw money from a credit card?

There are several options for withdrawing money from a credit card:

At the bank's cash desk (for this, you must provide a passport);
In the payment terminal;
At any ATM, including devices of other banks;
Postal transfer;
Withdrawal of money through a telephone account;
Using the services of money systems Unistream transfers and Contact.

You can also transfer money from a credit card to other cards or a personal account, and then withdraw in any convenient way.

Fee for cash withdrawal from a Sberbank credit card in 2018

The commission is quite significant:

when receiving money from a credit card account at the cash desk or at a Sberbank self-service device, the commission will be 3%, but not less than 390 rubles;
if you use the services of third-party organizations, then it will be equal to 4% (minimum 390 rubles).

Even if you withdraw 100 rubles at a Sberbank ATM, the system will withhold 390 rubles for its services and, starting from the day following the date of the operation, will begin to withhold interest from the amount equal to 100 + 390 = 490 rubles.

It will also not work to cash out money by transfer to electronic wallets, for example, to Qiwi or Yandex without withdrawing a commission.

If the cash withdrawal is made abroad, then the costs will become even higher due to currency conversion. When a transaction involves the receipt of a local non-convertible currency, for example, Egyptian pounds, then the client will actually pay for it twice.

First, the rubles will be converted into US dollars or euros, and then into the Egyptian pound. Both transactions are accompanied by a deduction of interest.

When deciding how to withdraw money from a Sberbank credit card, it should be borne in mind that:

the cheapest way is to receive cash at the expense of funds that were previously credited to the credit card account and are the money of its holder;
the maximum possible commission fees (up to 10%) are withheld when using the services of third-party banks, especially if you withdraw money at the cash desk;
often acts minimum size commissions. Then, when cashing out even 100 rubles, the bank, as a transaction fee, can withdraw an amount several times higher than received.

How to withdraw money from a Sberbank credit card without commission

One of the easiest options for withdrawing money from a Sberbank card is to turn to the cashier or ATM of the institution “for help”. At the same time, you should count on a minimum commission of 1% -1.5%.

Through Yandex.Money

In order to withdraw money with even the smallest losses for yourself (only 0.75%), you should use the following scheme:

Register in a payment system that accepts and transfers money to debit card. These include, for example, Yandex money or QIWI wallet;
Transfer the required amount from a credit card to qiwi wallet. This will allow you to lose only 0.75% of the transfer amount, but there remains a grace period, since the transfer to the wallet of this system is not considered to be sending money, but rather the purchase of a product (service);
Open a debit card at a bank where it is possible to withdraw money without commission, and accepting money into the account will be free;
Send money transfer from QIWI wallet to debit card;
Withdraw money from the card in any convenient way.

Naturally, during the registration process, you should pay attention to the conditions for interest-free withdrawal / replenishment of a debit card, since in different banks terms and conditions, which may change frequently. Such schemes justify themselves if you need to withdraw a large amount of money.

Via Qiwi

How to cash out through electronic service QIWI:

create an e-wallet. For registration, the phone number of the account holder is required;
log in to Sberbank Online using your login and password, confirming the legitimacy of using the service by entering a one-time password from the received SMS;
go to the "Transfers and payments" section;
click "Organization transfer";
find a QIWI bank using the transfer details received via SMS from this service, specify other data;
specify the credit card account as the account for debiting money;
confirm the operation using a one-time cipher sent by Sberbank via SMS.

The percentage for withdrawing cash from a Sberbank credit card in this way will be 1%. The money will arrive almost instantly, but it is possible that the transfer will be delayed up to 3 days. Then, funds must be transferred from the QIWI wallet account to a debit card, from which cash is withdrawn free of charge at branded ATMs of the issuing bank.

When receiving funds from debit accounts, it is important to consider the policy of the bank that issued the plastic. Many issuers set daily and monthly limits, exceeding which is fraught with a commission fee. For example, in Tinkoff you can withdraw for free from 3,000 rubles.

If less, they pay a minimum of 150 rubles of commission for each operation. In 1 day, it is allowed to receive no more than 300,000 rubles in cash. If you need to withdraw more than the specified amount, then 2% will be withheld from the amount exceeding the limit (at least 150 rubles for 1 operation).

You can also buy QIWI in self-service devices that provide such a service.

It is therefore important to familiarize yourself with the possible commission fees in advance.

Credit cards of other banks (more profitable than Sberbank) - 22 pcs.

Consider credit cards from other banks with the best conditions- grace period from 100 days, free cash withdrawal (up to 50 thousand rubles) and installment plan up to 12 months.

Rate, from

Name, organization	Credit limit	Issuance fee Annual maintenance
	Rate, from Rate, from	Credit limit Credit limit Up to 300,000 rubles	Issue fee Issue fee Not charged Annual maintenance Annual maintenance
Installment plan 0% up to 12 months with partners. Cashback up to 30% points from any purchase. Application - 5 minutes. Delivery today
	Rate, from Rate, from	Credit limit Credit limit Up to 500,000 rubles	Issue fee Issue fee Not charged Annual maintenance Annual maintenance
Solution in 2 minutes. Cash withdrawal up to 50,000 rubles / month - free of charge. 100% discount for the first year of service.
	Rate, from Rate, from	Credit limit Credit limit Up to 300,000 rubles	Issue fee Issue fee Not charged Annual maintenance Annual maintenance
Cashback 5% in supermarkets, cinemas and gas stations. Free maintenance. 111 days interest free period.

How to transfer money from a Sberbank credit card via the Internet

Withdrawing money from a credit card without interest is not possible. Direct transfer operation between credit and debit accounts individuals not available. It will also not work to transfer money between your similar cards.

But it is possible to carry out a transaction on specialized services. The latter take a percentage for their services. The commission varies between 0.5-3%.

Money transfer systems

Systems are sometimes used to withdraw funds electronic transfers, for example, Contact, Unistream, "Leader" and so on. Money is transferred to electronic wallets, from whose accounts cash is then received, or they are sent as a cash transfer through the branches of these companies.

Money transfer systems take a commission for their services, but sometimes they arrange special promotions. Then the transactions are free.

Currency online exchanges

The scheme for withdrawing funds from online currency exchanges is similar to those used when working with QIWI:

an account is created on the exchange;
buying e-currency;
subsequently, the currency is sold for rubles, which are transferred to a debit card;
funds are withdrawn from an ATM.

Online exchangers often withhold a commission both when buying e-currency and when selling it.

How to work through the MasterCard Moneysend service or the special MasterCard Mobile application

The MasterCard Moneysend website and the MasterCard Mobile app are MasterCard branded products. Since you can withdraw money from a credit card through these services only with MasterCard and Maestro cards, that is, the service is intended only for holders of products of this payment system, then the commission here is small - 1% (minimum 25 rubles).

Transfers are allowed within the range of 50-75,000 rubles. Funds are deposited almost instantly.

Withdraw money from a credit card and stay on the grace period

Cash out through the purchase of goods

Withdrawing money from a Sberbank credit card without a commission will help a scheme that provides for the purchase of a certain product with the subsequent rejection of it. The payment must be made by bank transfer from a credit card account. When returning goods, you must ask to transfer funds to another account, for example, a Sberbank debit card.

This a good option how to withdraw money from a Sberbank credit card without commission and interest. But it should be noted right away that the method does not always work: the seller has the right to return the money to the account from which the purchase was paid.

It is important to make sure that you do not have to pay a commission for non-cash payment for goods.

For the scheme to work, a number of recommendations should be followed:

it is desirable to purchase only one item;
purchase rules must provide for the possibility of its return within 14 days. For example, outerwear and shoes are suitable for these conditions. Items for individual use (underwear) and equipment in good condition for the purpose of cashing out cannot be definitely purchased. A complete list of non-returnable goods is given in Government Decree No. 55 of 19.01.1998;
a refund can be issued no earlier than one day after the transaction;
the easiest way is to contact a large chain store, where the practice of returning goods has been worked out;
be sure to keep the receipt and containers, stickers, nameplates, and so on;
when making a return, demand a refund in cash or by transfer to a debit card account.

A significant disadvantage of this scheme is that the refund process can be delayed for 2-3 weeks. This can happen if a major seller insists on bank transfer, And his internal services It takes time to apply.

Booking hotels and tickets

Can be cashed out without interest by booking a hotel online from a credit card account. Funds will be debited as an advance. After a couple of days, you can cancel the order, but at the same time, you must specify the debit card account for the return.

It is important that it is formatted advance payment, not a pledge. The latter, in case of refusal of the service, remains with the seller.

A similar scheme can be implemented when buying air or railway tickets, provided that they are refundable. Naturally, there must be a certain time margin from the moment of purchase to the date of departure. The closer the departure date, the more the carrier will keep as compensation.

The described method of how to withdraw money from a Sberbank credit card, while maintaining the grace period and saving on bank fees, is, in principle, suitable for any companies providing services: hairdressers, photographers, law firms etc.

It is not worth contacting those who produce something for individual orders.

Phone number bill as a way to get cash from a credit card

Withdrawing cash from a Sberbank credit card without commission is also possible by paying for the services of telecom operators. The scheme is as follows:

in the office of one of the telephone companies a new SIM card is issued. You can use the available, but unnecessary;
the necessary amount is transferred to her account as a payment for communication services;
after a while, you need to contact the telecom operator again with a request to terminate the contract;
after 3-7 days, the money will be returned either in cash or to a debit card account.

As an option, do not terminate the contract with the telecom operator, keeping the phone number, and withdraw money from the phone number account to the account debit card. The service provides for a commission fee of 0.75%.

Prepaid Gift Cards

A number of banks (Russian Standard and others) issue prepaid gift cards. They are purchased from partners of issuing banks, for example, at retail outlets.

The scheme of work here is as follows:

using a credit card to buy a prepaid gift card;
from the purchased account financial instrument transfer to a debit account;
funds are withdrawn from the debit card.

Other ways

The easiest way to cash out money from a Sberbank credit card without interest is to pay with it on the accounts of verified people. Upon completion of the transaction, the interested parties simply transfer cash to the account holder.

It is possible to agree on paying for the services of telephone operators, on paying utility bills, and taxes. In the latter case, the bank does not charge any commission. In other cases, most likely, Sberbank will take a commission. This point should be discussed with partners in advance.

When can I withdraw money from a credit card after replenishment

For the convenience of using a credit card, it is important to know and take into account all ownership of it. You need to understand that a credit card is a revolving line of credit.

This means that after using borrowed money it is necessary to settle with the bank, returning to it the amounts received and, if necessary, accrued interest. Then the very next day after replenishing the credit card account, you can use it again.

Summary

With such calculations, depending on the conditions of the credit card, you can receive “Thank you” bonuses and cashback, although partners of such programs have the right to cancel accruals for goods that the client refused to purchase.

Making out any of the proposed schemes, the terms of payment and return are very carefully studied, especially in terms of commissions and when transferring funds in both directions (from the buyer to the seller and vice versa) and the terms of return.

You can justify the reason for changing the account by saying that the card was lost, the account was temporarily blocked or the pin code was forgotten.

A credit card holder may find himself in a situation where he urgently needs cash. In such cases, he will need a card that limits the withdrawal of money from it as little as possible. #AllLoansOnline found out which credit cards are the most profitable for cash withdrawals.

Banks earn not only on interest on credit cards, but also on a variety of commissions when using them - including for withdrawing cash from ATMs. But this rule also has its exceptions. Below are interest-free cards from which you can freely withdraw money without additional fees. Some banks allow you to withdraw money only in their ATMs, others - in any device around the world.

1st place. Winner. Just a credit card (Citibank) - MasterCard

1st place

Citibank is the Russian division of the American financial group Citigroup, one of the largest in the world. Offers deposits, loans and bank cards, conducts operations with currency and securities. The Citibank card is characterized by completely free service and the absence of any restrictions on cash withdrawals.

The map does not restrict in any way.

You can apply for a credit card as a primary or secondary.

You can receive discounts for purchases from partners.

A division of a large American bank.

You can order the delivery of the card by courier or mail.

No
Where can I withdraw cash at any ATM
Limit size up to 300,000 rubles
Grace period up to 120 days
Interest rate from 13.9% per annum
Purchase bonuses discounts up to 20% at bank partners
Additional features contactless payment, transport application for Moscow
Opening cost is free
Maintenance cost free, transport application - 65 rubles per month
Registration method
Terms of registration 3-5 days

Advantages

Free issue and maintenance of the card
Cash withdrawal without restrictions and commission
You can pay for public transport

disadvantages

Income verification required

2nd place. 120 days without interest (Ural Bank for Reconstruction and Development) - Visa

2nd place

This is one of the largest banks in the Ural region, which also has representative offices in many major cities Russia. It offers people all the basic Banking services. Credit card This bank allows you to withdraw quite large amounts without commission at any ATM. However, this operation terminates the grace period.

You can withdraw money from any ATM.

Cashback is credited without limits on the amount.

UBRD maintains a high level of reliability.

A small limit can be obtained from a passport.

Cash withdrawal restrictions up to 30,000 rubles per month
Where can I withdraw cash at any ATM
Limit size up to 299 999 rubles
Grace period up to 120 days
Interest rate from 30.5% per annum
Purchase bonuses 1% cashback on all purchases, 10% on select categories (changes every quarter)
Additional features
Opening cost is free
Maintenance cost free of charge with the amount of spending from 40,000 rubles per month, otherwise - 199 rubles per month
Registration method
Terms of registration instantly

Advantages

Instant passport release
Cash withdrawal at any ATM
Cashback without limits on the amount of return

disadvantages

Monthly withdrawal amount is limited
High interest rates

3rd place. 100 days without interest (Alfa-Bank) - Visa, MasterCard

This is the second largest bank countries after Sberbank and one of the most popular among the population. Its branches and ATMs are in many cities of Russia. Alfa-Bank offers a card with a long grace period, which is valid for cash withdrawals. Apart from these features, the credit card is not remarkable.

The card has a long grace period that is valid for withdrawal.

The card can be used as primary or secondary.

Alfa-Bank is one of the most reliable banks in the country.

Cash withdrawal restrictions up to 50,000 rubles per month
Where can I withdraw cash at any ATM
Limit size up to 500,000 rubles
Grace period up to 100 days
Interest rate from 11.99% per annum
Purchase bonuses No
Additional features contactless payment support Apple Pay, Samsung Pay and Google Pay
Opening cost is free
Maintenance cost up to 1,490 rubles per year
Registration method online with delivery to your hands or to a bank branch
Terms of registration 2-3 days

disadvantages

No bonuses for purchases

4th place. Just a card (Vostochny Bank) - Visa

Eastern Bank positions itself as regional bank, which offers its services not only in large, but also in small towns and regional centers. It is widely distributed in Siberia and the Far East, but it also has its representatives in the European part of Russia. "Prosto Card" has convenient conditions and allows you to withdraw cash without restrictions.

You can withdraw from the card at any time. a small amount in cash.

It's just best to issue a card as a spare.

For purchases in online stores, you can get a big cashback.

Fairly stable regional bank.

Cash withdrawal restrictions No
Where can I withdraw cash at any ATM
Limit size up to 120,000 rubles
Grace period 5 years
Interest rate 20% per annum
Purchase bonuses cashback up to 40% in online stores when making purchases through a bank service
Additional features contactless payment, support for Samsung Pay and Google Pay
Opening cost is free
Maintenance cost
Registration method at a bank branch with an online application
Terms of registration instantly

Advantages

disadvantages

Under 26 years of age proof of income is required

5th place. MTS Money Zero (MTS Bank) - MasterCard

MTS Bank is a subdivision of the major Russian telecom operator MTS. It offers its customers all types of banking services, including credit cards. Like the previous credit card, MTS Money Zero charges a commission instead of interest. You can also withdraw money from it without restrictions at any ATM.

If you do not spend money, you do not need to pay a commission.

MTS credit card can be issued as a spare.

There is no bonus program.

MTS Bank maintains a sufficient level of reliability.

An income statement is not required to apply for a card.

Cash withdrawal restrictions No
Where can I withdraw cash at any ATM
Limit size up to 150,000 rubles
Grace period 5 years
Interest rate 10% per annum
Purchase bonuses No
Additional features contactless payment, support for Apple Pay, Samsung Pay and Google Pay
Opening cost 299 rubles
Maintenance cost 30 rubles a day if there is a debt
Registration method at a bank branch with an online application
Terms of registration 2-3 days

Advantages

You can pay for any purchases without interest
Free service in the absence of debt
Cash withdrawal without restrictions and commissions
You can order delivery to the MTS communication salon

disadvantages

Paid card issue
No bonuses for purchases

6th place. Cash (Raiffeisenbank) - Visa

Large international bank of Austrian origin. It has one of the highest reliability ratings in Europe. His card is specifically designed for cash withdrawals. However, Raiffeisenbank ATMs are rare, so it will be difficult to withdraw money.

FROM cash card You can withdraw the required amount of money at any time.

The card can be used as primary or secondary.

There is no bonus program.

One of the most reliable banks according to Forbes.

You can order home delivery of the card.

Cash withdrawal restrictions up to 60% of the limit amount per day
Where can I withdraw cash at ATMs of Raiffeisenbank and partners
Limit size up to 600,000 rubles
Grace period up to 50 days
Interest rate from 29% per annum
Purchase bonuses No
Additional features contactless payment, support for Apple Pay, Samsung Pay and Google Pay
Opening cost free, delivery - up to 390 rubles
Maintenance cost 890 rubles per year
Registration method online with delivery to your hands or to a bank branch
Terms of registration 1-3 days

Advantages

Quick processing in one visit to the bank
Cash withdrawal without restrictions and commissions
Free emergency cash advance

disadvantages

Grace period does not apply to withdrawals
Paid card delivery
Income proof may be required

7th place. Understandable (OTP Bank) - MasterCard

OTP Bank is part of financial group OTP is one of the largest in Europe. It offers private and to corporative clients all major banking services. Unlike most offers, there is no fee for withdrawing cash from his credit card, but an increased interest rate. Because of this, such a card is not the most convenient.

Cash withdrawal restrictions up to 45,000 rubles per day
Where can I withdraw cash at any ATM
Limit size up to 300,000 rubles
Grace period up to 55 days
Interest rate from 24.9% per annum, when withdrawing cash - up to 42.9% per annum
Purchase bonuses No
Additional features No
Opening cost is free
Maintenance cost is free
Registration method at a bank branch with an online application
Terms of registration 1-3 days

Advantages

Free release and maintenance
Cash withdrawal at any ATM
Quick checkout without proof of income

disadvantages

No bonuses for purchases
Grace period does not apply to withdrawals
Interest increases when you withdraw cash

Most banks limit the withdrawal of funds from the account by setting daily or monthly limits, as well as commissions. The withdrawal limit can usually be from several tens of thousands, and the commission can be from 5%. Cards without any restrictions on this operation are very rare.

In this way, the best offer for cash withdrawal, you can call a Citibank card, since it does not have any restrictions at all for this operation. We can also note the proposals of UBRD, Vostochny, MTS and Alfa-Bank. These credit cards are universal and can be used for any purpose.

The table below summarizes the main conditions of credit cards from this rating:

Finally, we recall that a credit card is intended primarily for non-cash use. Withdrawal is supposed to be a last resort in situations where this payment method is not available. This is where all these restrictions and commissions come from. Therefore, if you prefer to pay for your purchases in cash, then issue a debit card - for it, most often, withdrawal restrictions do not work. In addition, this card can be used consumer credit for the desired amount, and money can be freely withdrawn at any ATM.

So, withdrawing cash from a credit card is more difficult than from a debit card. Large commissions are set for this operation and it terminates the grace period. There are very few offers that allow you to withdraw money from the credit limit freely.

The most convenient cash withdrawal conditions are with the Prosto credit card from Citibank. You can withdraw money from it at any ATM without any restrictions and commissions. In addition, the credit card is issued with home delivery, supports the installation of a transport application and offers discounts of up to 20% with partners.

You can also explore the offers of other banks on our website and

Most people, having received a credit card, immediately go to the nearest ATM to cash out, without taking into account many nuances:

1) Many banks charge a fee for withdrawing money (in some cases only at ATMs of other banks).
2) In many banks, the grace period does not apply to cashing out, which means that after such an operation, interest on the loan will begin to accrue.
Thus, it often happens that, due to their own stupidity, customers make the same mistake and start using the card inefficiently, if they did not choose with free cash withdrawal. Here are some examples:

Unicredit Bank takes a commission of 3% of the withdrawn amount, but not less than 325 rubles, but the grace period also applies to this operation. In Alfa-Bank, the free withdrawal process is also included in the grace period, which is one of the longest - up to 100 days. But these cards have serious drawbacks, the monthly cash withdrawal limit:

1) Classic and Standard - 2000 dollars, 60 thousand rubles or 1.5 thousand euros.
2) Gold - 4,000 dollars, 120,000 rubles or 3,000 euros.
3) Platinum - 6700 dollars, 200 thousand rubles or 5000 euros.

The commission is 3.9% at the bank's offices and ATMs for any non-premium plastic, but for an embossed credit card VISA Classic as much as 7%, which in a way indicates a hint at the ban on withdrawing money.

The credit policy of the Bank of Moscow allows you to charge 3.5% (not less than 350 rubles) for each transaction, however, if you have time to deposit money during the grace period, you do not need to pay interest on the loan.

Petrocommerce Bank will take 3% for withdrawing money and it also has a grace period for this operation. There are also many cards in VTB24 Bank for which the grace period applies to withdrawing money. On the Plasticine card from Credit-Moscow Bank, one of the most favorable conditions for withdrawing money is 2.9%, and the withdrawal limit is quite large - 600,000 rubles per month. If possible, we advise you to immediately select credit cards for cash withdrawals.

Sovetsky Bank charges 3.9% (minimum 150 rubles) for a single withdrawal and, like many other cards, this has a grace period. Well, summing up what has been written, we can say that credit cards were not originally supposed to be made with an interest-free withdrawal, but were supposed to serve the client as a means cashless payment, especially since now it can be done in almost all major stores and organizations. Therefore, before withdrawing cash, find out if the organization or store where you want to spend cash will allow you to pay with a plastic credit card, and therefore you will not have to pay an extra commission.

Credit cards are most often used to pay for goods and services through terminals in stores. Therefore, banks charge large commissions for getting cash from ATMs in order to earn money and draw attention to cash loans. However, in Lately financial institutions began to realize that many people need cash: going to the market or paying for travel without it can be difficult in some cities. And thanks to this understanding, credit cards appeared on the market that do not limit (or minimally limit) a person’s desire to receive money in cash.

Our rating of the best credit cards designed for cash withdrawal includes both cards with no commission at all, and options with minimum commission. In addition, we consider interest and the maximum amount as criteria for the profitability and convenience of a banking product.

TOP 10 best credit cards for cash withdrawal

10 "Money Zero" (MTS Bank)

Best Annual Percentage
Withdrawal fee: 0%
Rating (2019): 4.1

A microcredit card with a fixed commission. Allows you to receive money instantly and without interest. This card is an excellent solution when finances are needed urgently, but not for long. Because with an apparent profit of 0% per annum and a similar withdrawal fee, there is a peculiarity. For each day of use credit money you have to pay 30 rubles. With the largest limit of 150 thousand rubles, this will amount to about 7.2% per annum, if you withdraw the entire amount for this period.

It is not necessary to pay the money on the debt in equal installments divided by the installment period. It is enough to deposit the minimum amount (about 5% of the debt) once a month until the 20th day. The money back deadline is 3 years and 20 days. The card is completely free of charge. You will have to give money to the bank only for the issue - only 299 rubles.

9 "Conscience" (Qiwi Bank)

Fixed commission for any amount
Withdrawal fee: 499 rubles
Rating (2019): 4.2

Qiwi Bank offers a convenient credit card for those who prefer to purchase goods by installments and often use cash. The limit on it is up to 300 thousand rubles. The installment period varies from 1 to 12 months at partner stores. The card is free, you do not have to maintain and pay for informing. At the same time, there are many useful options for money. The only drawback is that you can buy something in ordinary stores only after connecting a special package of services for 499 rubles per month.

"Conscience" is an installment card, it is profitable to withdraw funds from it only when large sums. It has a fixed commission of 499 rubles per transaction. With small expenses, withdrawing money from it is not very profitable. But when you need the bulk of your credit limit, it starts to make sense. In the event of a delay in payment on a loan, a commission of 699 rubles is added to the debt, and it also begins to be taxed at a rate of 10%.

8 "Just" (Eastern Bank)

Longest interest free period
Withdrawal fee: 0%
Rating (2019): 4.2

This credit card allows you to get interest-free installments for up to 5 years. It does not have the largest credit limit - only up to 120 thousand rubles. Its peculiarity is the same as that of "Money Zero" - for the use of credit funds you will have to pay 30 rubles per day. But, unlike the MTS Bank card, here the lending period is longer - 5 years. In the reviews, customers note the high speed of consideration - not 30 minutes, as the bank promises, but faster than other institutions.

Not too happy that the commission per year in the ideal scenario will be at least 15.6%. But it's far from the best a large percentage among loan products various banks. The main advantage of the card is a huge cashback for online purchases. They will charge up to 40% for each purchase on the Internet from partner stores. So the card will be beneficial for those who prefer to purchase everything they need online. The "Bring a friend" promotion is valid on the card. For each person who becomes a client of the bank on your recommendation, you get 1000 rubles. on account.

7 Visa Gold (Intesa)

The best service from the bank
Withdrawal fee: 2% (from 100 rubles)
Rating (2019): 4.3

Standard credit card with gold privileges and additional bonuses from the bank. Allows you to use the limit of funds up to 350 thousand rubles. There is a 55-day grace period for using credit money, after which the rate will be 25.5% per annum. In case of delay in payment, penalties will amount to 64% per annum.

It's nice that Intesa allows you to open up to three double cards with separate settings for each. The institution also gives free SMS-informing with a maximum of details. In the reviews, clients emphasize that bank employees always try to do the best for the client, if they have sufficient experience for this. In addition, all Visa privileges Gold - for example, appropriate discounts on certain categories of goods and services.

6 "Everything is possible" (Rosbank)

Good choice for traveling all over the world
Withdrawal fee: up to 4.9%
Rating (2019): 4.4

Rosbank allows you to get a relatively new card Visa "Everything is possible". It has a credit limit of 15 thousand to 1 million rubles. The product received a relatively good grace period, which also works for cash withdrawals - 62 days. You do not need to pay for the annual card maintenance only if you spent more than 15 thousand rubles on purchases in the previous month. If not, then 99 rubles per month is withdrawn. The card's tariffs are valid all over the world, so you can safely take it with you on your travels.

The map provides two bonus programs to choose from. The first is Cashback, which pays 10% of purchases in the selected category and 1% on all other expenses. The second program allows you to accumulate Travel-bonuses that you can spend on hotels, railway and air tickets. For every 100 rubles spent. 1 bonus is charged, per month - no more than 5000. The main disadvantage is a high commission. When withdrawing personal funds it is not in "their" ATMs. For withdrawals in third-party partner terminals, 1% and 100 rubles are withdrawn. And in all other cases, the commission is as much as 4.9% and an additional 280 rubles. When transferring “own” funds from the card, the commission is not charged, for credit money you will have to pay 4.9% + 290 rubles.

5 "Pyatnaya Gold" (OTP Bank)

Special rate for cash withdrawal
Withdrawal fee: 0%
Rating (2019): 4.5

Free category map MasterCard Gold. Allows you to use all the privileges of "gold" cards, while not paying a penny for their maintenance. It has a credit limit of 300 thousand rubles and a 55-day grace period. As a gift - SMS-informing and a monthly statement of operations. You can withdraw no more than 45 thousand rubles per day.

It is worth noting two different tariffs for those who prefer payment by bank transfer and those who withdraw money from the account. In the first case, the rate ranges from 24.9% to 27%, in the second - from 39.9% to 42.9% per annum. Minimum payment 5% per month. Naturally, all purchases (not withdrawals through an ATM) with credit money have a grace period of 55 days. But if you do not pay, then the penalty will be 20% per annum with an accrual on the amount of the debt.

4 Cash (Raiffeisenbank)

Better map management
Withdrawal fee: 0%
Rating (2019): 4.6

A card specifically for withdrawing cash from ATMs. At least that's how it's positioned. Plastic will be delivered to your home on the same day that it is approved by the bank for issuance. So you won't have to wait long. You can withdraw money for free only at “your” ATM. Terminals of third-party banks are subject to a commission of 0.5% (from 50 rubles). The main advantage of both a bank and a credit card is convenient ways manage and view operations. Raiffeisenbank has one of the best systems internet banking and mobile app so you can check your account anytime, anywhere.

The card offers a large limit - up to 600 thousand rubles. Unfortunately, the product does not have a grace period. So the percentage starts to drip on the first day. For the card itself, you will have to pay 890 rubles a year. Credit funds are subject to a rate of 29% per annum and higher. It is convenient that you can open a duplicate card for relatives or a spouse for 500 rubles a year.

3 "Platinum" (Russian Standard)

Big cashback. Platinum Card
Withdrawal fee: 0%
Rating (2019): 4.7

A full platinum level credit card with many additional options. It is profitable, reliable and relatively cheap. Russian Standard allows customers to receive a very good cashback of up to 25% on purchases from partners. In the reviews, customers note that the card is quite good, and the bank itself is willing to meet customers in case of any problems.

Conditions for this product are quite good. First of all: money is withdrawn from any ATM for free. Limit on loan funds- 300 thousand rubles. They are subject to an annual rate of 21.9% or more. The bank can allow customers to take installments up to 24 months on the card for all purchases and beyond. For other transactions, there is a grace period of up to 55 days with cashback accrual. When buying from partners, 25% is returned. In addition, there is a 5% cashback on three selected categories for cards issued before September 30, 2019, and 1% on the rest. To receive a refund, the minimum amount of payments per month is 5000 rubles. At the same time, the cost of annual maintenance for a "platinum" level card is ridiculous - only 590 rubles. You can issue an additional service card for 300 rubles. An important nuance: the service of receiving money without commission at any ATM is valid for only 30 calendar days from the date of issue of the card. After the tariff is connected - 3.9% plus 390 rubles.

2 "100 days without interest" Classic (Alfa-Bank)

The most convenient system transfers from card to card
Withdrawal fee: 0%
Rating (2019): 4.8

Alfa-Bank offers a full-fledged installment card with a period of 100 days and favorable interest. It is suitable both for use in the "original" non-cash form, and for cash withdrawals. The limit is from 300 thousand to 500 thousand rubles. The grace period is 100 days and applies to withdrawn funds. But it is important to pay the minimum amount (up to 10%) of the debt every month. The loan rate is from 11.99%, it is determined individually. The card itself will cost from 590 rubles a year.

There is no commission for withdrawing money from an ATM. But only if you withdraw no more than 50 thousand rubles a month. Otherwise, the percentage can be from 5.9% and higher. In addition to the free withdrawal of money from an ATM, finances can be transferred to cards of any banks without commission. So it can be used to refinance other credit cards. You can also replenish it for free from any cards. As for customer service, Alfa-Bank, judging by the reviews, strives to take care of customers and their convenience, so there will be no problems. Negative comments refer to technical nuances and incorrectly filled out paperwork by the clients themselves or bank specialists. Therefore, it is imperative to be careful when issuing a card at Alfa-Bank.

1 "Just a credit card" (Citibank)

The best combination of options and cheapness
Withdrawal fee: 0%
Rating (2019): 4.9

And finally, the leader in the ranking of the best credit cards for cash withdrawal. It's really comfortable and simple map with many benefits. It occupies a well-deserved first place not only because it has free ATM withdrawals. It's generally free. No issue or maintenance fees to pay, no late fees (other than interest increases). But there is a grace period of 50 days and installment programs with reduced interest rate. This will help you quickly receive the required amount and return it at no cost.

The maximum limit of funds is up to 300 thousand rubles. The percentage is not the lowest - from 20.9% to 32.9% per annum and is determined on an individual basis. But if you do not miss payments and pay the debt on time before the end of the grace period, then no sanctions will follow. You can withdraw money in cash absolutely free of charge. And not only through Citibank terminals, but also through the devices of other banks. There are several additional functions - for example, connection transport card. But they are paid, albeit cheap. Therefore, "Just a credit card" can be called an assistant in all areas of life. The only thing that is required of you is to meet the deadlines.

A credit card with a grace period is already a familiar attribute modern man. But not every citizen thinks about how profitable their credit card is and is it better? But this is an important nuance that allows you not only to save, but also to earn on your daily expenses. Great competition among banks for potential customers makes them come up with new card products that would be interesting not only for the bank, but also beneficial for customers. And in this situation, people have a question: “ What is the best bank to open a credit card? and “Which is the most profitable in 2019-2020?”.

In this review, we will look at the most profitable credit cards of 2019-2020.

What should be a profitable credit card

Let's decide what a profitable credit card should be. What benefits should it have?

Annual card maintenance- This is the main parameter when choosing a profitable credit card. By default, everyone would like to have a card without annual service, but it happens that a card with paid annual service can still be profitable and interesting, provided that the card has certain tariffs that can easily recoup the cost of service.
Cashback accrual. Now it is difficult to imagine bank cards for which the bank would not set the cashback function, but the amount of cashback and the conditions for receiving it differ in each bank.
Grace period. For credit cards, an important role is played by the grace period, which can be "fair" or "dishonest", extending to cash withdrawals or not, as well as an important parameter - the length of the grace period. The longer the grace period, the more profitable the card.
Cash withdrawal fee. A profitable card is mainly sought by those who plan to withdraw cash, because such a parameter as a commission for withdrawing funds plays a very important role and is quite costly when using a credit card to withdraw cash.
Commission on additional services. Additional services include SMS informing, card replenishment from another bank, transfers to other banks, including from card to card, and so on. In some banks, these services are absolutely free, while in others they may charge a fee for this.

The most profitable credit cards of 2019

Below is a list-rating of the TOP-8 bank credit cards, which are the most profitable cards in 2019. The selection of credit cards was carried out on the basis of the current tariffs, personal experience and online reviews. This selection will help you choose the best offer for yourself and get an answer to the question: “What is the most profitable credit card with a grace period?”.

Tinkoff Platinum - the most profitable credit card from the best online bank

Credit card Tinkoff Bank is one of the most popular credit cards in Russia. The card is issued by the best online bank in the world (according to numerous ratings). The flagship product is popular because it can be ordered via the Internet and without references from the place of work. Unlike other cards, you will receive a Tinkoff Bank card in 2-3 days by courier to your home.

But besides the convenience of issuing a card, the card has several undoubted advantages that make it the most profitable credit card for all categories of users: students, working citizens and pensioners.

What is the benefit of the Tinkoff card

Bonus program "Bravo", which allows you to receive bonuses for your purchases up to 30% special offers which can be seen on the Internet and mobile bank. These are, for example, large online stores, well-known chains of cafes and restaurants, popular services for ordering air and railway tickets, and much more. For any other purchases, the cashback will be 1%.
If you have a credit card debt in another bank, and you decide to issue a card in Tinkoff, then you can transfer your debt from another bank to Tinkoff. The service is called "Balance Transfer". When transferring debt from another bank, you will receive a grace period of 120 days for this transferred debt. That is, no interest will be charged for 4 months. This is a unique service that is available only in Tinkoff Bank.

Credit card "Platinum" from Russian Standard for cash withdrawal without commission

Russian Standard Bank has become more active in the credit card market since last year. One of the main cards in this bank is credit card Platinum. The card is very different from all other and previous cards of this bank.

Key benefits of a credit card

No commission for withdrawing cash credit money from the card.
The cost of annual maintenance is 590 rubles.
Low rate from 21.9%
Cashback 15% from bank partners and 5% in selected categories. Standard 1% on all other purchases.

"Alfa-Bank - 100 days without interest" - the best credit card for cash withdrawals and purchases without interest

A credit card from the largest private bank in Russia stands out from others in that it has a grace period of 100 days. Alfa-Bank was one of the first banks to start issuing cards with a grace period in excess of the traditional hitherto 55-60 days. to date, the card is considered the best in terms of such parameters as the duration of the grace period and the conditions for cash withdrawal.

This card will be of interest to those who are used to using a grace period for medium and large purchases, as well as for those who often withdraw cash from a credit card (The grace period on an Alfa-Bank card also applies to cash withdrawals). That is why the Alfa-Bank card can be considered one of the most profitable credit cards for withdrawing cash from ATMs.

Installment credit cards "Conscience" and "Halva" for profitable purchases

Have you ever shopped in installments? For example, for a promotion in M.Video or Eldorado. When making such installments, which are issued through a bank, very often loan officers “push” supposedly compulsory insurance life. That is, it is almost impossible to issue a “naked” installment plan. There will still be an overpayment.

And in 2016, credit cards appeared that allow you to buy goods and pay for services from card partners in installments up to 12 months. For example, to buy a refrigerator in a store household appliances in installments, you do not need a loan officer. You simply choose a product, go to the cashier and pay with your installment card there. And then pay in installments to the card. Without any imposed insurance and the like. The savings here are significant, since if you had issued the goods in a standard way, you would have paid a tidy sum for the imposed bank insurance. In Russia, now only 2 banks issue such profitable installment credit cards.

Card "Conscience" from Qiwi Bank allows you to purchase more than 40,000 thousand goods and services from partners of Qiwi Bank in installments up to 12 months. Card with a credit limit from 5 to 300 thousand rubles without annual maintenance and issue fees. For registration, you only need to leave an online application, and after approval, the card will be brought to your home. Perhaps this is the best choice for shopping lovers, especially among girls.

Similar "Halva" card from Sovcombank. "Halva", as well as a card from Qiwi Bank, is absolutely free. In addition, to receive a card, it is enough to fill out an online application form and, after approval, receive a card at any branch of Sovcombank or by courier. The card is not registered and is issued immediately. For registration, you only need a passport. You can use both debit and credit. The card provides cashback up to 20 percent! Everyone, including pensioners, will be able to feel the benefits and advantages of the card. Details in map overview.

CASHBACK credit card with the best conditions from Vostochny Bank

Among the most profitable credit cards of 2019 with the best cashback conditions, one can single out a credit card from Vostochny Bank, which is simply called “CashBack”. It allows you to receive a refund for purchases in the amount of 5% in categories that the bank sets every three months. Now there are categories Pharmacies; Clothing and Footwear; Products for children. For all other purchases, the traditional 1% cashback.

The card is serviced free of charge during the entire period. But for the release you will have to pay 1000 rubles. But this fee will pay off in the first month of using the card. Credit limit the card provides from 55 to 400 thousand rubles, a grace period of up to 56 days, and for storage own funds on the card 4% per annum.

Also, Vostochny Bank has a credit card where, instead of interest on a loan, a daily commission is charged - a “Prosto” card and a credit card called “Seasonal” with instant issuance, a grace period of up to 56 days and a low rate of 11.5% per annum in the first 3 months.

To apply for one of these cards, just leave an application at the link below and wait for a call from a bank specialist who will announce the decision and help you choose the best and most profitable credit card for you, depending on your needs.

Credit card with a favorable grace period of 120 days from UBRIR bank

In the Ural Bank for Reconstruction and Development, you can order a credit card with a large grace period, which is equal to 120 days for all purchases. Such a long grace period automatically makes the card very profitable for making both large and small purchases wherever cards are accepted. But in addition to 120 days without interest, the bank gives another 1% cashback for any purchase.

It is worth issuing a UBRIR card because:

Credit limit from 30 to 300 thousand. To obtain maximum limit You can provide 2-personal income tax if desired. And so in general, only a passport is enough.
The grace period applies to all card transactions. Even if you withdraw cash from an ATM, there will be a four-month grace period!
Card maintenance - zero rubles. The same with the release of plastic - it also does not have to be paid for!
Age for registration from 19 to 75 years. That is, both young people and pensioners can issue a card.

To issue a card, you must also receive a ready-made card at the nearest bank branch or delivery to a convenient address.

Card Credit Plus - the best credit card with instant cashback

Credit Europe Bank has a credit card that stands out for its favorable conditions - the Card Credit Plus card. This card product has the following advantages:

Instant card issue when ordering online.
Credit limit up to 600 thousand rubles. For a limit of up to 350 thousand, only a passport is needed!
Grace period up to 55 days. Installment plan with bank partners from 2 to 11 months.
Free cash withdrawal abroad.
Free service for purchases from 15 thousand rubles, otherwise 79 rubles.
Well, the most interesting - cashback 5% percent in 4 categories of purchases(Clothes and footwear; Beauty and health; Entertainment; Cafes and Restaurants). All other purchases earn 1% cashback. Cashback is credited in the form of points that can be used to pay for any purchase in any store in the world (the purchase is debited from the bonus account, not in cash).
Moreover, unlike other similar credit cards, cashback on this card is credited instantly!
Almost every month, the bank launches new promotions for this card, which allow you to receive additional cashback up to 15-20%. For example, 7 days before the birthday and 7 days after it, an increased cashback of 10% is provided for cafes, restaurants and entertainment.

Svyaz-bank credit card without interest on purchases, cashback and discounts

The next bank in our rating, where you can get one of the most profitable credit cards with cashback and a grace period, is Sviaz-Bank. banking organization issues a credit card with 7 percent cashback and the ability to choose 1 category of increased refunds.

Merchant categories of your choice for cashback purchases

Construction stores.
Catering establishments.
Entertainment and leisure.
Beauty Salons.
Gas stations and car service companies.

Thanks to a large cashback, an interest-free grace period of 55 days, discounts from VISA partners, this Svyaz-Bank product can be called not only profitable, but also the best card in terms of cashback accrual.

Where to open a profitable credit card, everyone will decide on their own, but I hope this review will help you make the best choice. If you already use one of the cards, then leave your feedback about it under this post.