What are the best credit cards for cash withdrawals? How to withdraw cash from a Sberbank credit card. Energobank presented a car loan calculator

Today in Russia, cash is still one of the main means of payment, in contrast to the developed Asian and European countries, where 98% of transactions are carried out by non-cash payment. This is one of the main reasons why you might need a credit card with an interest-free cash withdrawal. This advantage is often very tangible, since quite high commissions are set for cashing out from a credit card at ATMs.

How to choose a card for cash withdrawal without commission

Not all types of credit cards provide the opportunity to withdraw money without interest. The easiest way to find this option is among the offers. The key feature of such cards is that the client can use borrowed funds for a certain period of time. If he makes the minimum payments on time and manages to pay off the debt before the expiration of the grace period, then annual interest is not charged. It is important to bear in mind that not in all banks these conditions apply to all transactions, many organizations activate Grace period exclusively for purchases by bank transfer.

If you travel frequently, it is most convenient to immediately draw up "plastic" with cash withdrawals from ATMs around the world. When traveling abroad, this option is much more convenient and safer than carrying cash from Russia.

Most profitable terms that a credit card with interest-free cash withdrawal can provide:

• registration and annual maintenance;
• cash withdrawal without restrictions at ATMs of any banks;

The main purpose is to perform cashless payments in trade and service networks. However, there are situations when cash is required. Most people are used to getting wages withdrawing money from a debit card.

In a situation with own funds, everything is clear. Issuance occurs without commission. When it comes to credit money, banks can charge fees not only for their use, but also for ATM withdrawals. The amount is determined by the tariff plan and in Russian banks averages 1-5% of the amount. When signing the contract, it is worth asking what is the percentage of cash withdrawals from the card in order to make the right decisions in the future.

There are cards with preferential cash withdrawals - this means a small commission. You can do this in the ATM of Vostochny Bank of other financial institutions. Pay attention to the uniqueness of the offer. Usually, for cashing out funds in a "foreign" ATM, the commission is paid in the amount provided by the owner of the ATM. Worth paying attention to different conditions in Moscow and Russia.

Credit card with cash withdrawal without interest: advantages

Map "Prosto" in just two documents. This is very convenient if there is no time to collect a large package of papers and wait for approval. The product has a number of significant advantages:

• the grace period is 5 years. At correct use With this option, you don't have to pay any interest for the use of borrowed funds. If there is an actual debt, a fixed commission of 30 rubles is charged daily. After the grace period, the rate is low - 10% per annum. The grace period applies to all transactions;
• the cash limit is 120 thousand rubles. This amount will help out, if necessary, to make an unscheduled purchase, organize a trip, pay for studies. We are loyal to the age of borrowers, pensioners up to 71 years old, young people from 21 years old (subject to having a year of work experience) can count on approval;
• for the remainder own funds 4% per annum is charged;
• credit card without interest on cash withdrawals.

You can apply remotely, on our official website. This, together with the speed of its consideration, completes the list of advantages of the “Simple” card. Holders can also make non-cash transactions. At the same time, if purchases are made from partner sites of Vostochny Bank, cashback up to 40% is charged.

Conditions for withdrawing cash from a credit card

The amount allowed for withdrawal is always specified in the tariff plan. Limits are one-time, daily, monthly. Their size also depends on payment system. The "Prosto" card is issued in Visa Instant Issue or Visa Classic. There are the following restrictions on cash transactions:

• up to 100 thousand rubles per day;
• up to 1 million rubles per month.

A few tips:

• some ATMs have a limit on the number of banknotes issued at a time (up to forty). Therefore, if you decide to withdraw the maximum amount, it is better to choose banknotes in the ATM menu large denomination;
• at ATMs of other banks, several transactions are required to withdraw the entire amount;
• By connecting to Google Pay or Samsung Pay, you can take full advantage of the technological advantages of the product.

So, the owners of such a card get the maximum benefit: cash out without interest, receive a refund for online purchases, enjoy high withdrawal limits, use borrowed funds subject to compliance with the grace period.

As you know, one of the main advantages of a credit card is the availability, during which you can not pay interest to the bank for purchase transactions made at the expense of the bank in the amount of the credit limit provided to you. However, simply withdrawing cash from an ATM or transferring credit money to your other bank account just won’t work: very often, grace does not apply to such operations, and the bank takes a considerable commission. The type of operation on the card is determined by the point at which this operation was performed. It depends on the MCC how the bank will react to your payment: it will reward you with bonuses, generously leave it in grace, or severely punish you with a fine.

Why cash out? One of the classic uses of cash is to place it on short-term deposits and income cards and receive interest on the deposit. The most famous and probably one of the first profitable cards is Tinkov's black debit card with free replenishment from a heap of payment systems and from cards of other banks, good interest on the balance, free delivery, commission-free cash withdrawals at any ATMs, cashback, free interbank and so on and so forth. In addition, TCS cards are used in most credit card cashing schemes. In general, this card should be in the wallet of everyone who is more or less thinking about their finances.

You can also use the funds drained from a credit card as an interest-free loan for an expensive purchase or as working capital for a small business. In this article I will try to briefly describe the main ways to "withdraw" cash from credit cards.

1. Cash withdrawal at an ATM

Yes, yes, the very first way is a simple cash withdrawal. The fact is that many banks extend a grace period for cash withdrawals (Alfa, PSB, Bank of Moscow, MDM, VTB), and sometimes even spend promotions of unheard-of generosity to cancel withdrawal fees. For example, not so long ago, Promsvyazbank carried out such a “free” action:

Do you want to use the "Supercard" and not pay a commission? Now it's possible! Withdraw cash absolutely free during the promotion period. The promotion period is from August 15 to September 15, 2014. Each owner of the "Supercard" can take part in the action.

During the campaign, we cancel the commission on the "Supercard" for cash withdrawals at ATMs of Promsvyazbank OJSC and partner banks, as well as at the offices of Promsvyazbank OJSC. Commission is not charged when withdrawing both own and borrowed funds.

Of course, this is a very rare case, but it happens, you need to use it if they give you such a freebie 🙂

2. Electronic wallets

Scrolling credit cards through electronic wallets - the most common type of cashing out. Qiwi (“poultry fruit”), Yandex.Money (“Poison”), Eleksnet (“el”), RBC-money (“fish”), Dengi.MailRu (“soap”, let the earth rest in peace) and many other payments provided and continue to provide us with a huge number of opportunities to drain credit limits. At the same time, the most promoted Webmoney wallet is almost never used in schemes, since there are no commission-free operations in it at all.

Electronic payment systems are constantly tightening the screws, cutting off free methods of depositing or withdrawing funds from balances. For example, in Qiwi's personal account, a commission is taken both for depositing from cards and for withdrawing to cards, but nevertheless, there are ways to make a free deposit with a good MSS, and a free withdrawal.

3. Wallet cards

One of the most common ways to withdraw money from an electronic wallet without loss is to use bank cards issued by these payments. Cards can be either virtual or regular plastic visas and mastercards. Of course, simply withdrawing cash from such cards without loss will not work, but using the methods described below is quite realistic and is very often used. For example, the soap card helped a lot.

4. Spacer cards

The most commonly used laying cards are RNKO cards: Corn, and others. Their main advantage is the possibility replenishment of the account from other cards directly in your personal account, as well as withdrawal without commission to the accounts of some banks (operations appear as loan repayment). Replenishment takes place as a moneysend (see below), and some banks allow you to moneysend in grace without commission. Another (if not the main) advantage of these cards is bonus systems, which allows you to wind up very good buns on these cards.

5. ATMs and payment terminals

Another tidbit for the cashier are the so-called "pedestals" - ATMs and payment terminals. In cabinets, you can find the possibility of replenishing electronic wallets or repaying loans in other banks (read transfer to any bank account) without commissions and with a good MCC. The most classic example is the replenishment of Poison at Sberbank ATMs with "telecommunications". By the way, this code is most often found in thumbs.

6. Internet banking and mobile banking

It may not seem strange, but some banks themselves provide the ability to drain their own credit cards directly in their own online banks, personal accounts or mobile applications. For example, Raiffeisenbank has recently introduced penalties for transactions with "quasi cash" characteristics, which include, in particular, transfers to electronic payment systems. However, in their own IB you can easily transfer money to poultry fruit without any commissions and to grace, though in a limited amount. Tinkov, with transactions less than 500 rubles, allows you to transfer money without sanctions from your credit card to your own debit card or mobile wallet. And home credit even gives bonuses for some of these operations!

7. Transfers from card to card (manisend)

Not so long ago, it was impossible to transfer money by card number, you had to know the account number and Bank details recipient. Everything has changed with the advent of technology Mastercard Moneysend and Visa Money Transfer. Now it is very easy to transfer money from card to card, knowing only the number, and in some cases, crediting occurs almost instantly. The MCC of such operations in the vast majority of cases will be 6538 for the manifest and 6012 for the VMT.

Transfers can be made both on the Internet and in a large number of ATMs. Be careful, commissions can be taken directly by the service that makes the transfer, by the sender's card issuing bank for outgoing money send, and even by the recipient's card bank for incoming money send. Nevertheless, some banks are loyal to such transfers and carry out these operations in grace and without commissions, for example, Russian Standard and MDM.

8. Virtual cards

Virtual cards are called cards that do not actually exist, there are only their details. It is very convenient to use them for payments on unfamiliar sites: I released a virtual machine, replenished it with the required amount, paid, and closed it. There is no risk that an unscrupulous site administrator will write off extra money from the card. There are virtual machines in almost any bank and in many payment systems. In some banks, you can link a virtual machine to a credit card account and use it to bypass cashout bans. Sometimes you can pay for a virtual card with a credit card, and then drain the funds from it. Also virtual cards use payment cards and mobile operators.

9. Money transfer systems

Sometimes cashing schemes use systems money transfers: Contact, Unistream, Leader and others. The transfer is sent either using a card or through an electronic wallet, money can be received in cash at any branch. Usually transfers are made with a commission, but sometimes there are promotions with the cancellation of commissions. For example, soap at one time announced a promotion for free Translation Contact in Russia, as a result, a lot of people sent free transfers to themselves, bank tellers were very surprised.

10. Acquiring

Another way to cash out credit cards is to scroll through acquiring, that is, scroll through a payment point in agreement directly with its owner. In most cases, this method is unprofitable for the owner of the outlet: the bank that provides the acquiring service takes its commissions, and the topic of taxation also arises. Nevertheless, this method has a place to be, especially with the advent of one interesting topic, which I will keep silent about for now.

11. Mobile operators (aka opsos)

Our operators cellular communication have long been not limited to fulfilling their immediate duties, that is, providing us with high-quality mobile communications. The big three opsos who have captured the market are actively engaged in the development of other types of business, in particular in the financial sector. Beeline became a pioneer, introducing the technology of paying for goods and services from the balance of the phone "Mobile payment". Then it seemed something on the verge of fantasy: to pay a communal apartment from the phone! MTS and Megafon, of course, also could not stand aside, tying virtual and regular cards to the balances. There have been and still are many ingenious schemes for cashing credit cards through sim cards opsos with getting buns. Well, the last noisy event was the cooperation between Megafon and Qiwi with the possibility of free transfer of the balance to the wallet, a complete freebie!

Opsos can also be used by termination of the contract and refund of unused funds. There is a law that allows this. The downside is the long term for considering an application for termination, sometimes up to two months.

12. Prepaid Gift Cards

Some banks issue gift cards that can be purchased from bank partners, such as stores and shopping malls. The scheme is quite simple: we buy gift card credit card, we get buns for it, then we drain the money from it with a manifestend to our account. Russian Standard is especially keen on this. home the goal is to find retail outlets for these cards not bank branches. Then we will get a good MSS.

13. Exchangers of electronic currencies

Quite an exotic way, but nevertheless I myself once . Of course, exchangers usually charge predatory commissions, because they live on this. Nevertheless, using them as one of the links in the chain is sometimes very justified. In some services you can buy electronic currency directly from the cards, in some they give a good discount for cash and volumes. The risk must be taken into account money changer is not a bank and not a payment, your money may be lost and it will not be easy to get them out.

14. Third party companies (forex brokers, bookmakers, etc.)

I have already written about the scrolling of credit cards through forex brokers many times. Other “offices” connected directly with financial activities such as bookmakers. At the same time, most companies do not allow withdrawing funds without their intended use within a certain time, and also try to comply the rule "from where I entered there and withdraw" to combat money laundering and illegal circulation of funds. But often you can, for example, deposit funds from one card and withdraw to another. Often, in order to attract customers, the input-output of funds occurs with small or completely zero commissions, it remains only to find a good plush MCC when depositing.

15. Return of purchases

This method is considered indecent for a real fan of spinning credit cards, but I also decided to mention it. It's simple: you buy an expensive product or service (for example, booking a hotel with free cancellation), and after a while you make a refund, preferably to another card (of course, to a debit card). At the same time, you get bonuses and cashback. It is not always possible to change the card upon return, but under the pretext that “already passed it” or “expired”, it is sometimes possible to pull off this scam. Not entirely legal, of course.

There is a kind of absolutely legal return when it occurs on the same card, but the buns are not written off. This has been observed, for example, in operations on corn with double benefit . Or another interesting life hack: let's say a bank sets a 5% cashback for the tourism sector this month. At the end of the month, we book an expensive hotel, we get 5% for it, and we cancel the reservation the very next month, when the cashback for tourism is 1%. As a result, 1% cashback is written off upon return, and 4% is our profit!

16. Group purchases

Children's scheme: we pay for someone with a credit card, we get buns, we take cash for ourselves. This is especially true if you have any permanent large object of spending. For example, one of my acquaintances pays for about 40 NTV-Plus points with a credit card for his organization, the volumes there are quite decent. You can pay, for example, a communal apartment for the entire dacha partnership or a garage cooperative.

Look like that's it. If I forgot something, write in the comments, we will add. Perhaps there are still ways unknown to me that I don’t know yet, but I’ll definitely find out!

All profit and goodies!

On our website, we pay a lot of attention banking products. First of all, to debit and credit cards, talking about the benefits that they can bring to the end user in terms of economical and wise use of personal and family budget. In this article, we decided to touch on another profitable chip. payment cards namely credit. The main advantage of any credit card - interest free period (In the people, it is often also called the "grace period"). Simply put, this is a period of time during which you can use the bank's funds absolutely free of charge! And in some cases, even withdraw cash from ATMs without commission and also do not pay anything extra for it within the grace period.

This unique credit card opportunity gives us additional benefits, but only a few use this potential. And very few people do it as efficiently as possible. In the article we will share with you the secrets of credit cards and tell you everything in as much detail as possible.

As mentioned earlier, one of the key benefits of a credit card is interest free period, that is, the time when you can use the bank's funds absolutely free of charge for yourself. This option of hers made such payment cards very popular not only in Russia, but throughout the world, because the end buyer has additional features making a purchase. At the same time, this can be done “here and now” and win in price, for example, if you take something at a “hot price” during sales at retail outlets or when money is needed for urgent needs of a different nature, but there is nowhere to borrow for a short time, yes and expensive it’s not for friends to walk, humiliating, right?).

Credit card perfectly solves this problem, and in your favor, because if you make a purchase within the grace period, then you pay the bank whole 0%, i.e. 0 rubles! That is, for you short term loan will be completely free. You, in fact, own the money of the bank, as if it were your own, but with the proviso that you will make mandatory payments on time and repay the debt before the end of the grace period. Which bank to look for a long grace period? Let's help you find the answer 🙂

This is how it works long grace period For example interest-free loan at 110 days. The image is clickable!

It should also be noted that the grace period for a credit card starts from the moment of the first card transaction. And he always renewable: that is, you paid off the debt within an interest-free period and you can take the money again, and again it will be free for you! There are no restrictions, the main thing is to make payments on time (usually at least 5% of the purchase amount in each month of the grace period and full amount at the end grace period)!

Not all banks are ready to lend for a long period, and even for free. In most cases, we are dealing with a grace period of everything 50 or 55 days. What a month and a half! You won't run away. Banks understand this, so they take marketing moves ( as a rule, if the interest-free period is short, then you will have). But cashback is not always needed by the client, so some banks really went aside long grace period. And this experience was successful.

At the moment, in 2019, cards of three banks are the most successful in Russia: “ Alfa Bank» (), « Raiffeisen" () And " Ural Bank for Reconstruction and Development» ( + 1% cashback on everything and 10% cashback on purchases in special categories). Each has its own conditions and features. We will analyze them in more detail in our article.

Credit card for cash withdrawal

Usually, the grace period only applies to for card purchases, however, to a part, there are exceptions to this rule ( for example, Alfa Bank allows you to withdraw cash from your credit card in any ATM of the world without commission and within the interest-free period ). And such a profitable tool of 2019 turned out to be in our review! 🙂

Card with a large interest-free (grace) period: benefits

There are several ways, they differ depending on what opportunities a credit card can provide you with a large interest-free (grace) period. If the card can be used to withdraw cash from ATMs without interest and within the grace period (as with the Alfa Bank card), then it is advisable to transfer funds from it in this way to any short-term bank deposit with a monthly capitalization payment or to a debit card with a good interest for the remainder.

Interest-free cash withdrawal from the Alfa Bank card - 100 days

The most universal option, in our opinion, is the option " interest on balance» by debit cards. You just need to choose a card that pays good interest every month.

We have chosen for ourselves the debit card of Home Credit Bank - " ", since this bank charges one of the most high interest for the remainder on the market 10% per annum(for those who issue a card now) and 6% per annum for existing customers, interest is charged daily, and are paid monthly. Money from the card can be freely withdrawn inanymoment without losing the interest rate and at any ATM, by the way, while the card itselffree. And for purchases on it you can get a good cashbackup to 10% cash. And the bank itself is reliable (this is the "daughter" of the reliable Czech bank Home Credit).

You can also check out our detailed. You can make a card. Map gives 5% per annum for the account balance.

The second option is a debit card "", for which new users are charged interest on the balance 5% per annum. This percentage is given on any amount of the balance up to 300,000 rubles. Payment of interest once a month, the interest is accrued on each day of the account balance, summed up for all days of the month and paid on the day of the card statement.

To receive interest on the balance, you need to make purchases on total amount from 3000 rubles per month. For free cards, you need to keep on your account from 30,000 rubles all the time. Cash withdrawal at any ATM in the world is free of charge from 3000 rubles. There are a lot of points of replenishment of the card.

Free debit card " Home Credit - Benefits": receive 10% per annum for the balance and cashback in popular categories 10% at the gas station 10% - for clothes, bags and shoes, 3% - cafes, restaurants, fast food and pharmacies. We also have on our website.

At the moment (in the winter of 2019), bundles: Alfabank credit card - "" + debit card "" or are perfect a combination that gives you only one solid benefit when shopping or just storing funds! After all, using bank funds withdrawn from an ATM for free within 100 days, You get one of the best interest on the balance + good cashback for purchases with a debit card.

Free use of cash from a credit card

You simply withdraw money from your credit card "100 days without interest" (each calendar month), deposit them on a Home Credit or Tinkoff Black debit card (you can even use both cards), get benefits during an interest-free (grace) period. And at the moment when you need to pay off the debt at Alfa Bank, simply withdraw the necessary funds from the debit card and pay it off (including the minimum monthly payments). Then, when the interest-free period resumes, you do the same scheme again, because the grace period renewable, which means that we can repeat unlimited number of times such a scheme 🙂

Example: per cycle 100 days grace period from monthly making 50 000 rubles cash from the card "" to the card, for example, "" with 10% per annum we have a total yield 2533 rubles for 100 days due to capitalization and constant monthly contributions. Since the cost of servicing for the first year on a credit card from Alfa Bank zero, then only a solid benefit comes out. You can turn such a scheme at least 3 times in a year and get more than 5000 rubles profitability just like that. Because you have these cards.

And this is only the income from interest on the Benefit card. If you use this free map with cashback(and he's very bold here: 3% at the gas station 10% for clothes, bags, shoes, 3% to any public catering, pharmacies and 1% everything else) for purchases, then your profit will increase significantly! But stay here be careful A: Don't be tempted to spend more than you have money. It is better (when using the second method) that on the “Benefit” card, in addition to the money from Alfa Bank from a credit card, there should also be your money, which you will spend.

Active use of maps "Benefit" or "Tinkoff Black"(i.e. adding to credit funds of your own, using both debit cards at once, transferring your monthly salary, as well as making purchases with cashback within free - your - money) significantly improves efficiency b from using the schema at times.

Moreover, if you set a goal, then the profitability can be scaled - issue cards for several family members and increase your overall profitability under this scheme several times.

Checkout free debit card " Benefit"you can, but a credit card" 100 days without interest"(By the way, if you issue it until December 31, 2019, then the first year of service will be free)- . A bank debit card Tinkoff» — . Thus, the cost of a credit card pays off already in the first 100 days at basic rates, and with free service in the first year - and in general one big benefit! It is also worth noting that both debit cards (Tinkoff Black) and "Polza" have the option free service.

Why not give it a try, because anyway this credit card is completely free for the first year of service? If you don’t like it or don’t succeed, you can close it without consequences.

How to extend the interest-free period to 220 days and even more?

It should also be noted that on the Alfa Bank card - "" an option appeared - balance transfer. This option assumes free repayment of the current debt on a credit card in another bank. Limit per transfer up to 800,000 rubles. Can be repaid per year up to 3 credit cards other banks. In fact, this is a free refinancing of a loan in another bank. At the same time, as always in refinancing, you should not have delays in payments on a credit card from another bank.

Such a scheme, in fact, provides credit holidays, because you can not pay interest on a credit card of your other bank (for an interest-free period) + a long interest-free period is given from Alfa Bank. Good savings come out if you follow the conditions.

Credit card: requirements for a borrower in 2019

The key to a favorable interest rate and credit card approval is, in principle, a number of parameters that it is desirable to comply with before applying for such bank card. At the moment, the most typical requirements of banks are as follows:

An important point on financial self-defense: when applying for credit cards, make sure that you do not connect any insurance! Bank managers like to offer something like that and slip it in for a signature (it’s understandable, this is their bonus), but don’t be fooled! Be sure to carefully review the terms of the contract. 🙂

Credit card "Alfa Bank" - "100 days without interest"

This is a long lasting card. Alfabank was one of the first to launch a card product that offers such a long grace period that reaches as much as 100 days. Consider that for more than 3 months you can use the bank's funds at your discretion, depositing only every month within the interest-free period no more than 5% (but not less than 320 rubles) from the amount of purchases made in the statement generated by the bank.

Credit limit renewable: after full repayment current debt, you can shop again against the new grace period of 100 days. You can learn more about how this credit card works in an explanatory video from Alfa Bank itself. We have added this video to the article for your convenience.

The card has a unique feature - it is the ability to withdraw each card within your credit limit. calendar month 50 000 rubles!

That is, in fact for 3 months within the grace period is free cash out up to 200,000 rubles! If you correctly distribute withdrawals within a calendar month.

To credit money, for example, to a settlement-replenished bank account, to a card on which interest is charged on the balance, or a short-term deposit and receive income from monthly payments on it. And all this just because you use a credit card! 🙂

At the same time, for this the bank won't take a commission! Even an ATM does not matter: Alfabank will not take a commission when withdrawing funds from any ATM in the world! In this case, the withdrawal of funds is included in interest-free, i.e preferential period of operations on the card! Separately, we want to note that the limit of 50,000 rubles is the same for all credit limits on this card (naturally, for those that are not lower than 50,000 rubles 🙂), that is, if you have, for example credit limit 60,000 rubles or all 300,000!

Since December 2019, the card " 100 days without interest has become even more accessible. If it is issued until December 31, 2019, then the first year of service for it will be completely free! Ideal conditions in order to implement the scheme described in the article with earnings on a credit card for the benefit of you!

This is a unique property of the card!
Competitors cannot yet offer Alfa Bank anything like this in return. It is for this property that we love this card so much, and even if it has the shortest long interest-free period, other credit cards can’t do that! 🙂 In addition, the map " 100 days without interest» supports the option « balance transfer", that is, she can close a credit card debt in another bank for free, refinance it.

• interest-free grace period 100 days- on the all shopping + cash withdrawal at ATMs: commission for cash withdrawal ( 0% ), i.e missing(but not more than 50,000 rubles per calendar month); within one grace period, you can receive up to 150,000 rubles without commission.
  You can also withdraw more than 50,000 rubles per month, this operation will also within the grace period(you will only pay a withdrawal fee of 5.9% - but not less than 500 rubles - of the excess amount).
• release free, when issuing a card until December 31, 2019 first year maintenance cost free.
  From the second year of service (per year) 1190 rubles according to Classic (for bank customers) and 1490 for everyone else - the cost of maintenance can be easily recouped in the first hundred days;
• replenishment from other cards, as well as Internet banking and mobile bank Alpha Mobile Light free;
• SMS informing is paid: 59 rubles per month (but you can always turn it off and use mobile application or Internet banking, payments Android Pay, Samsung Pay, Apple Pay);
• the opportunity to open accounts in dollars and euros for free (you can replenish them using international bank details), a favorable exchange rate within the Alfa Click Internet bank;
• no need connect service packages;
• credit limit up to 300,000 rubles (according to Classic), up to 500,000 rubles(GOLD) and up to 1,000,000 rubles(according to Platinum);
• interest rate from 11.99% per annum for everything that is not covered by the grace period
  (for such a rate, it is desirable to have a salary of at least 5,000 rubles per month (2-NFDL), or have a car for 4 years, or travel abroad with a passport for a year);
• support option " balance transfer" (can is free refinance a debt on a credit card of another bank); no more than 3 times a year, maximum limit for such a transfer on one card is 800,000 rubles.
• to obtain a card, you need a Russian passport + any additional document of your choice
  (SNILS, TIN, driving license, international passport, medical policy);
• You can
  (no more than 10 minutes), during the day the bank will inform about its preliminary decision and tell you when you can pick up the card and provide Required documents at a bank branch. Filling out the questionnaire online significantly saves time, because it eliminates the need to once again beat the bank's thresholds 🙂 The preliminary decision will already be known within 2 minutes from the moment the application is submitted. Alfa Bank launched instant delivery this credit card. This means that in 30 cities of our country, the courier will be able to deliver this card to you " day to day» from the moment your application is approved. This is free.

Free UBRD credit card: 240 days without interest and with cashback

This card is clearly out of the paradigm that they are trying to offer us. modern banks in Russia, namely the choice: either a long interest-free period or cashback. But then the Ural Bank for Reconstruction and Development appeared, which crossed out this unspoken rule from everyday life, offering two fat pluses on its credit card at once - a very large interest free period that reaches gigantic 240 days+ more and cashback for all purchases 1%, including categories that are rare in terms of cashback, such as utilities, mobile communications, taxes, fines, penalties and insurance! And also also 10% cashback in special categories!

For a moment, 240 days- this the longest grace period, at the moment, which give credit cards on an ongoing basis! In addition, now the bank issues a card with free release and free service. At the same time, the bank also allows you to take a card under the old conditions, that is, with a standard grace period of 120 days. It's up to you to choose 🙂 All the details about this credit card are below.

You can get yourself a card and with cashback up to 10% both with and with integers no interest!

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Article last updated: 12.12.2019

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Yuia writes:
April 2018

The ability to shop online has greatly improved human life. But it also added the risk of being deceived, because criminals also use technical innovations in their craft. Today we will talk about 3D-Secure technology, which will help to avoid such troubles.

Underwater rocks

Consumer vs bank. Why is it so difficult to win a lawsuit with a bank

Bank disputes are one of the most common judicial practice. In 70% of cases, credit institutions win, and only about 20% of claims are partially satisfied. Let's figure out why this happens and how to hold the bank accountable.

For legal entities

IP account replenishment

A current account is an instrument for making financial transactions associated with entrepreneurial activity. Moreover, individual entrepreneurs can also contribute personal money to it. We will figure out how to replenish the IP account with our own funds.

• What are the requirements for the length of service and documents of the borrower does Renaissance Credit Bank make when issuing a credit card?

• Service

  How to make a payment with a Renaissance Credit Bank credit card?

• Service

  Do I need to pay a fee for the annual maintenance of an OTP Bank credit card if the card has not been used for several months?

• Loan terms and conditions

  Can an individual entrepreneur apply for an Absolut Bank credit card?

• Service

  Why was the commission charged for servicing an additional Raiffeisenbank credit card?

• Grace period

  How is the grace period calculated for Alfa-Bank's "100 days without interest" credit cards?

• big fish

  RNKB Bank opened Krymkhleb JSC credit line in the amount of 150 million rubles. The association of bakeries again needed additional financial resources to purchase raw materials. Similar loan agreements have already been concluded between the parties, in particular, about two years ago. Another major loan agreement

  14 Nov 2019

• Analytics

  A third of Zapsibkombank's loan agreements are mortgages

  According to Zapsibkombank, every 8th client financial structure a loan agreement has been drawn up. At the same time, about a third loan agreements– mortgage.Currently, ZSKB issues mortgage loans for finished and under construction housing at a rate of 8.9% per annum.Mortgage for apartments is provided at a rate of 9.7 percentage points.Loans

  02 Oct 2019

• New Product

  RNKB offers Crimeans a new credit service

  RNCB offers pensioners, as well as working residents of the Republic of Crimea and the federal city of Sevastopol, to receive a loan for consumer purposes at a rate of 12.5% ​​to 19.8% per annum. Loans are provided for a period of 3 to 7 years. The loan amount ranges from 30 thousand to 2 million rubles. "Requirements" are issued without commission, collateral and guarantors.

  11 Dec 2018

• New Product

  Energobank presented a car loan calculator

  Energobank offers to use the car loan calculator and remotely calculate the amount of the monthly installment on a car loan in a convenient way by choosing comfortable loan agreement parameters. At the moment, Energobank has several programs developed for those who want to buy a car. Minimum

  27 Nov 2018

• Financial results

  The loan portfolio of Tatsotsbank grew almost 1.5 times

  Behind Last year loan portfolio Tatsotsbank increased by 41.5%. According to credit institution, about half of the banks of Tatarstan for reporting period, on the contrary, reduced loan portfolios. Currently, Tatsotsbank is in the TOP-5 credit institutions of the Republic of Tatarstan in terms of net profit (3rd place), in terms of its own

  10 Aug 2018

• There is something to be proud of

  MinBank is recognized as a systemically important credit institution

  Moscow Industrial Bank is included in the list of credit institutions that are significant for the Russian economy and provide payment services. Currently, the list of systemically important financial institutions, compiled central bank Russia, consists of 36 credit institutions. The list includes industry leaders (Sberbank,

  20 Apr 2018

• Financial results

  Retail loan portfolio of Center-Invest Bank reached 50 billion rubles

  The retail loan portfolio of Center-Invest Bank reached 50 billion rubles. The indicator is a record for the entire history of the credit institution. According to the representatives of the bank, it was possible to achieve growth in one of the key financial indicators of the credit institution due to: lowering interest rates on loans, prompt consideration

  09 Apr 2018

• Who is better

  Citibank assigned the highest credit rating

  assigned to Citibank credit rating"AAA". To date, this is the highest rating on the national rating scale used by the Russian Analytical Credit Rating Agency. According to the rating of Citibank, ACRA specialists have set a “Stable” outlook. This suggests that the reliability of a credit institution

  July 17, 2017