Compare bank cards of different banks. Where is it better to get a credit card, which banks offer the most favorable conditions. Credit Ural Bank has revised the terms of the mortgage

Increased competition in the banking sector is fueling the emergence of a large number of credit cards offered by institutions banking sector the population. Almost every retail bank has several offers in its arsenal that can satisfy the needs of not only those who need credit funds... There are new services and bonuses for cardholders.

What are the conditions for credit cards considered attractive

If we briefly characterize all plastics on the market for repayable loans, we can distinguish the following categories, according to which you can choose a product depending on what the client wants in addition to borrowed funds:

Cards with an extended grace period. Now grace - it is difficult to surprise anyone with a period of 50 days, therefore, offers from banks appear on the market, offering an increased limit of interest-free use of a loan from 100 days and above;
Accumulative plastics own funds and receiving the balance on them, comparable at the rate with deposit accounts;
Cards with cashback function. When shopping in stores and on websites, the client has the opportunity to return from 1 to 30% of the funds to the account at the end of the billing period, depending on the selected category of the seller;
Cards with free issue and service;
Credit cards with the possibility of free cash withdrawal. The era of cards as a means of payment through terminals is a thing of the past, and now many banks offer to use a credit card as an ordinary wallet;
Bonus cards. Buying goods, they receive bonuses that can be spent on the purchase of free services from the bank's partners. Most often, these are miles that can be redeemed for a flight with airlines or Additional services from the carrier;
Cards with the ability to receive without providing information about income, the so-called cards for two documents;
Additional services, such as urgent issue, free delivery to the specified address, by mail or the possibility of opening a savings account, issuing a free additional credit card.
Installment cards. A special type of credit cards, which can be used to make purchases in partner stores, paying off the debt in equal installments without accruing interest for up to 1 year.

The best credit cards of 2017

Tinkoff cards

Tinkoff Bank offers its customers a wide range of cards with the ability to receive cashback up to 30% of the purchase amount. The bank is also loyal to the conditions for granting a loan, when it is not necessary to fill out a certificate in the form of 2-NDFL, but the card is made within 2 days and delivered by courier. The decision to issue plastic is made 3-4 hours after filling out the application. By the way, there is one more option that has not been written about, but is implied by default - all retail banks offer online registration of plastics on websites and use of a mobile and Internet bank without commission.

The bank offers interest on the loan from 12.9% per annum, a grace period, the ability to earn miles with a Tinkoff Airlines card.

The best among its credit cards the bank itself positions a platinum card with service of 590 rubles per year and a limit of 300,000 rubles.

All Tinkoff offers have, as a plus, the possibility of transition, in other words, refinancing a loan from another bank with reduced rate on a loan.

100 days without% from Alfa Group

Alfa Bank issued a card for 100 days without%, which means an increased grace - a period during which you can not pay for loan servicing, including when withdrawing cash. See also: .

Read specific conditions grace period small print is necessary, but even a monthly installment of 5% of the debt does not make this card any worse. The loan rate is from 23%, and the service is very high and depends on the status - from 1 to 6 thousand rubles per year. The loan limit is provided in the amount of up to RUB 300,000, but depends on the personal information provided by the client.

VTB 24 and its free plastic

VTB 24 issued the Matryoshka card, offering its users up to 3% cashback on all purchases, except for payments for mobile and other transactions not related to the purchase of services.

The first year the card can be used free of charge, from the second the same condition is met if you pay 10,000 rubles monthly with the card. That can be achieved quite simply if you buy groceries at the nearest store and pay numerous bills from housing and communal services once.

The loan rate will be 24%, and the maximum loan from the bank in the amount of 350,000 rubles can be increased to 750,000 with active use in six months.

The grace period will be 50 days, and the plastic itself is produced by Visa and Mastercard systems.

A loan of up to 150,000 rubles can be issued under two documents, one of which is a mandatory passport of the Russian Federation, and the other to choose from SNILS, a foreign document, a driver's license or a military ID.

Platinum Benefit from Home Credit

A card with "Benefit Platinum" from Home Credit Bank rightfully takes a place in this honorary list due to the grace period, the opportunity to participate in the bonus savings program Benefit. The loan rate is higher than that of other offers 29.9%. And cashing out is provided only nominally, since about 4% of the cashing amount will have to be paid for this option.

A loan is issued without certificates for an amount of up to 300,000 rubles, and the bonus program provides for a refund in a quotation of 1 point = 1 ruble. You can get 10% cashback by making purchases in partner stores online.

Free wallet from the Renaissance

Renaissance credit offers a card with free service.

A preliminary decision is issued within 10 minutes from the moment of registration of the application, and an increased cashback of 10% and the ability not to pay for service without any conditions makes the offer beneficial for those who need a credit card just in case or for a rainy day.

The limit is set within 200,000, and the loan rate is calculated from 24 to 29%.

The plastic product can be picked up at any of the indicated branches by the client.

Installment offers

Installment cards. Three credit cards fell into this category at once - "", "Conscience" and an installment card from the same "HC". There are differences in the cards, but there is one fundamental similarity - you can pay for purchases in partner stores, the number of which today reaches 20,000, and then pay, depending on the term of the installment plan, equal parts of the purchase without additional commission. In fact, the scheme works like this: you bought a product for 10,000 rubles, and the offer period for a grace period is 4 months, which means that when buying in December of this year, from January to April, you need to deposit 2,500 rubles into your account. There is no minimum amount and commissions, but they arise only in case of late repayment of the debt. There is no opportunity to withdraw cash, but there is cashback, and since October this year, the program “10 months for everything” has been launched. That is, all goods purchased in November and December can be paid for 10 months. Cards are delivered by courier, and "HK" invites you to visit the nearest branch.

What you need to know about credit cards

Before registering a plastic credit card, you should carefully study all the terms of the agreement, and if an application is sent via the Internet, then do not be lazy and print or open all the tariffs. Hidden commissions, life insurance contracts that reduce the interest on a loan, conditions for using a free grace period and the period of non-expiration of cashbacks and bonus points often written in small print or between the lines.

It is necessary to remember one thing: absolutely free loans with the ability to use the card as a settlement, that is, there is no limit at all.

A decision should be made for what purposes the card should be purchased. Whether it will be used as a means of purchasing goods before paycheck - then perhaps one should opt for a card with free service. If you plan to actively use it just as a wallet with the function of depositing money, we advise you to consider proposals in which the cost of returned cashbacks will cover the service or the conditions under which it will be free will be fulfilled.

Wishes, how not to punish yourself financially

Finally, a few suggestions to help you avoid unnecessary spending.

Affiliate cashback - sometimes can be a means of attracting network users or retail stores. A 10% benefit may not be so “profitable” if a similar product is 15% cheaper in a nearby store.
Activation of the card can lead to the beginning of its validity, charging commission for SMS - notifications. So if the card was purchased for a specific purpose, for example, for a vacation, make it active at the right time.
Check your balance by withdrawing funds. Such a confusing percentage is spelled out in many contracts that it is better to check, perhaps, then a hasty withdrawal of money from a third-party bank can be postponed.

They have already become available to almost everyone. You can even arrange them online without leaving your home. But the usual classic cards are not so popular anymore. Users prefer to use those that allow them to save money and receive additional bonuses.

Grace period

Cards with a grace period are especially popular and in demand. In this case, the borrower has a certain time to replenish the limit without overpayments at all. Each bank may provide its own period of time for this - you should pay attention to this immediately upon registration, since it will no longer be possible to change this parameter at all. Even if the limit is changed, such parameters cannot be changed.

Also, if the card is needed to withdraw cash, you should take into account the commission for this operation... Usually, banks take a fairly large fee for this, but you can choose an option with lower interest rates.

Cashback

V recent times very popular are cards that allow you to receive additional discounts on payments. It is understood here that for certain types of settlements it is possible to receive funds to a bonus account, and then also spend them at specific points of sale and companies. Bonus system or cash back are now offered by many banks, but at the same time they are not very actively developed everywhere. Therefore, it is better to pay attention to this right away, since the cards can be thematic - for travel, for shopping on the Internet or for entertainment. It directly depends on where exactly it will be possible to spend bonuses.

Rating of lucrative offers on credit cards

What to evaluate

Banks rating

For those who choose which bank will have the best credit card, the rating is ideal - the best 2020 current offers:

Tinkoff. Here you can take a card at a minimum interest, but the requirements for the borrower are comparatively the same.
Alfa Bank. Offers the most interesting conditions - promotional offers with cashback.
VTB. A wide range of loan offers for every taste - a wide range of available amounts and interest rates, depending on whether a loan is issued without confirmation of income or with a certificate.

Profitable credit cards allow you to use borrowed money for a long time and not pay interest, provide an opportunity to receive cashback, bonuses, discounts and various privileges. It is not easy for customers to choose which bank is the best to arrange a profitable credit card... There are many offers on the market. An overview of the most interesting products will help you navigate through them.

Our rating of TOP profitable credit cards will help you not to waste time studying descriptions of hundreds of products and choose for yourself the most profitable credit card with a grace period, cashback or cash withdrawals. We analyzed most of the banks in Russia and identified the TOP-15. It hit banks offering best conditions in 2020.

Credit card Platinum with cashback up to 30% from Tinkoff - the best according to reviews of real people

Platinum- the most profitable credit card from Tinkoff bank... This is confirmed by numerous reviews. real people... She may have credit limit up to 300 thousand rubles. At the same time, the bank issues it without confirmation of income, which allows you to get a credit card not only to people who work for hire, but also to self-employed people, entrepreneurs, retirees and even students.

The main advantages of the most popular credit card in Russia

Cashback- up to 30%. The basic amount of remuneration is 1%, but for special offers it increases to 3-30%.
Grace period- up to 55 days. It is beneficial to use the card for purchases, it is on them that the terms of preferential lending apply.
Inexpensive service- 590 rubles / year. Moreover, the bank does not charge a fee if the client did not use the card.
Possible release of "dopoks", which can be transferred to relatives for joint expenses from a credit account and to receive bonuses, as well as used independently for security purposes, for example, when shopping on the Internet. You don't have to pay for their release or maintenance.
Simple and fast receipt without office visits. Online registration of an application takes 5-15 minutes, it is approved in a few hours, and the courier will deliver plastic and documents to any locality RF in 1-7 days.

Credit card "120 days without payments" in the bank Otkritie

Quite a unique credit card for the Russian Federation. The bank offers the most advantageous condition to those who want to make purchases on credit, and pay for them later, and without interest. By credit card "120 days without payments" no need to do minimum payments every month, and to avoid overpayment, it is enough to pay off the debt before the end of the grace period lasting up to 120 days.

Why it is worth applying for "120 days without payments" Bank Otkritie:

Service cost at 1200 rubles / year, you can easily return. If you spend at least 5000 rubles from plastic. per month, the bank will return 100 rubles to the account.
You can withdraw cash from the credit limit without commission. You can use any ATMs to receive them, but this rule does not apply to transfers.
Concessional lending rules apply to all purchases. They do not apply to cash withdrawals and similar transactions.
When requesting a limit of up to 100 thousand rubles, the bank issues a credit card without confirmation of the size of the salary... In this case, income can be confirmed by a mark in the passport about a recent trip abroad or by means of PTS / STS for a car owned.
Credit limit- up to 0.5 million rubles. In this case, you can get a card with minimum percentage per annum at 13.9%.

Credit card MTS CASHBACK with a long grace period

Credit and debit card MTS CashBack issued with a credit limit of up to 300 thousand rubles. Its release will cost only 299 rubles. at a time, but in the future, no mandatory regular payments for service are provided. This will allow you to use it profitably during the entire period of validity.

5 reasons to get a CashBack credit card

High cashback in supermarkets. It is charged in the amount of 5%, a similar remuneration is provided for payment at gas stations and in cinemas. For all other expenses, the bank will return 1% of the amount to the bonus account.
You can use not only borrowed money, but also your own money. Cashback will be credited in any case. You don't have to go into debt to get it.
You do not need any information to complete the contract. You only need a passport.
Grace period for expenses in retail outlets up to 111 days. You will not have to pay interest on debt repayment before its end.
Special conditions for using your own funds. They can be withdrawn for free at ATMs of all banks in the world, transferred by card number to third-party banks for only 15 rubles.

Raiffeisenbank card ALL AT ONCE with 5% cashback for ALL purchases

What is the most profitable credit card for getting cashback on all purchases in 2020? In our opinion, this is a credit card with favorable interest Cashback ALL AT ONCE allows you to return up to 5% of the cost of any purchases. Rewards are awarded with points, which can then be exchanged for money. Additionally, a credit card has a number of other advantages:

When making purchases on credit, you can not pay interest on debt repayment in grace period up to 52 days.
When registering just show your passport, and the credit limit in this case can reach 600 thousand rubles.
An online application is usually considered no more than 5 minutes, and you can get plastic not only at Raiffeisenbank branches, but also with free shipping.
Additional discounts up to 30% from partner companies under the "Discounts for You" program.
If you want to emphasize your individuality, then you can order plastic with own design.

Raiffeisenbank application and conditions

Alfa Travel credit card is the most profitable credit card for travel

Alfa Travel- premium credit card Visa Signature with the best conditions for those who often travel around Russia and other countries. It combines 3 types of benefits for frequent travelers at once:

High cashback with miles. It will be up to 9% on the Alfa Travel portal and up to 3% for all other expenses. It is easy to spend the accumulated miles on various services for tourists.
Profitable terms. The cost of service is from 1290 rubles / year, the credit limit can reach 500,000 - 700,000 rubles, regardless of the transactions performed, an interest-free period of up to 60 days is provided for all of them.
A set of privileges for travelers. It includes a concierge service, free baggage wrapping during flights, unlimited internet during trips, discounts on business taxis, and other privileges.

Profitable OpenCard Bank Opening with cashback up to 11%

OpenCard- a credit card with favorable conditions for the loyalty program. On it, you can get cashback up to 11% in 1 category and 1% or return up to 3% to the bonus account. You can change the loyalty program settings every month.

What is the offer of OpenCard Bank Opening

You don't have to pay for the service. And the commission for the issue is 500 rubles. the bank returns to the bonus account. Perhaps this is the best deal with free service.
Profitable credit card without interest allows you to use the money for up to 55 days. This rule applies to any spending in retail outlets and online stores.
Registration without salary certificates is possible. Income can be confirmed indirectly using PTS / STS for a car or a passport.
Favorable lending conditions. Minimum bet- 13.9%, and an individual limit provided by financial institution, can reach 500,000 rubles.

BRS Platinum credit card with free cash withdrawal

Platinum credit card — profitable proposition from the bank Russian Standard. In the first 30 days after receiving it, it is permissible to withdraw cash for free. You can use ATMs of any credit organizations to receive them.

5 advantages of BRS Platinum credit cards

Cashback program, allowing you to return 5% of the amounts spent in 3 categories to choose from, and 1% - on other expenses.
Discounts and Special offers from partner companies, helping to save money when purchasing goods and services.
Interest-free installment plan for a period of 2 years for purchases from partner companies.
Inexpensive service- 590 rubles / year.
Payment for goods and services is subject to grace period up to 55 days, and the credit limit can be up to 300 thousand rubles.

Get a Russian Standard credit card

Vostochny Bank's Cashback card is one of the best in Russia

Next, one of best offers of all - "Cashback" credit card of Vostochny bank. It allows you to independently choose 1 of 5 cashback options and receive up to 10% increased reward in several categories at once and 1-2% for all other expenses.

In addition to the attractive cashback program, there is also a number of reasons to apply for a "Cashback" credit card:

Instant release and free service. For issuing a card, the bank will take 1,000 rubles, but in the future there are no additional mandatory fees.
Credit limit, which is enough for any purchases. It can reach 400 thousand rubles and is determined individually for each client.
Low rate- from 24%. At the same time, purchases are given up to 56 days of the grace period.
The ability to use not only borrowed money, but also your own money. When they are spent, they will also pay cashback, and the bank charges up to 4% on their balance.
Registration is available without proof of income. All borrowers over 26 years of age can use this opportunity upon requesting any amount of the credit limit.

UBRIR credit card 240 days with the longest grace period in Russia

A favorable interest-free credit card from UBRD allows you to use borrowed money for up to 240 days without paying interest. It is issued to both employed people and individual entrepreneurs. The bank makes a decision on the application within 30 minutes, and access to borrowed money is activated the next day.

A number of additional advantages make a credit card from UBRD even more attractive:

Cashback program. It allows you to return up to 40% of the cost of purchases in partner companies, 10% - of expenses in the categories defined by the bank and 1% for everything else.
You can withdraw cash from the credit limit without commission. Every month you can withdraw up to 50,000 rubles for free.
When spending from 60,000 rubles per month, you do not need to pay for plastic maintenance... Its release is always free.
Possibility of issuing without proof of income. If a limit of up to 100,000 rubles is requested, then salary certificates are not needed.

Rosbank credit card "# 120podnol" with a large grace period without interest

"# 120podnol"- credit card with favorable terms of the grace period. It allows you to make purchases using borrowed money and repay the debt without interest in up to 120 days.

What are the advantages of Rosbank's terms:

Free service at a cost of only 15 thousand rubles. a month or more.
Credit limit can reach 1 million rubles.
You can use your own funds with free withdrawal from Rosbank ATMs.
When requesting a limit of up to 100,000 rubles... only a passport is required for registration.

Credit card from Renaissance Credit- one of the most profitable free offers among Russian banks. It is issued free of charge and can be obtained at the office or via courier. Making a decision on the application takes no more than 1 hour.

The main advantages of a credit card from Renaissance Credit

An income statement is not required for registration, but if available, you can get more profitable terms lending.
Bonus program with cashback up to 10% in promotional categories and 1% for all other expenses.
You can make purchases on credit and do not pay interest if you repay the debt before the end of the grace period up to 55 days.
Discounts from the MasterCard payment system when paying at partner companies.
The credit limit can be up to RUB 300,000., and the base rate is set at the level of 19.9% per annum.

Alfa-Bank credit card for profitable cash withdrawals from the card

Alfa Bank offers the best credit card conditions for those who want to use borrowed money and not overpay. A long grace period for it applies not only to purchases, but also to all other operations. At the same time, its duration can reach 100 days, including for withdrawing cash from ATMs. From this point of view, it is one of the most profitable products for those who plan to withdraw funds from ATMs.

It is worth noting a number of other advantages of the Alfa-Bank credit card

Monthly you can withdraw from the credit limit up to 50,000 rubles and not pay for their issuance.
Approved credit limit can reach 500,000 - 1,000,000 rubles.
For reliable borrowers, the rate is set at 11.99%.
Perhaps issuance of one passport when requesting a limit for small amount.
Even students can apply for a credit card it is issued from the age of 18.

Free credit card by installments Halva Sovcombank

"Halva" Is a universal card. Initially, it is intended for purchases in interest-free installments from partners, but due to the options it can also be used as a credit or debit card. By real reviews on the Internet, the product is very popular among both working citizens and pensioners.

The main advantages of the Halva card

No release fees, maintenance.
You can do purchase by installments and pay for them without overpayment within a period of up to 18 months.
When using your own funds, you can receive additional income on the balance - up to 6.5%.
Cashback for paying with your own money- up to 6% in partner companies and 1% - for all other expenses.
Bonuses with cashback up to 35% and an increase in the installment plan for any purchase by 1 year.
Free withdrawal own funds in the devices of any credit institution.

Card Credit Plus is an advantageous offer of Credit Europe Bank

Card Credit Plus- a credit card on favorable terms allows you to make purchases on credit. If you pay them for a grace period of up to 55 days, you will not have to pay interest. In addition, for each purchase, the bank will instantly accrue cashback, which can be spent immediately. The amount of remuneration will be 5% when purchasing clothes, shoes, various goods and services in the categories "Health" and "Entertainment", as well as when paying bills in a restaurant. In other cases, the cashback will be 1%.

Additional benefits of Card Credit Plus

Free service without any conditions and requirements.
Ability to withdraw cash for free at ATMs outside of Russia.
There is an installment plan for up to 1 year for purchases in partner companies.
Credit limit can reach 600,000 rubles.
Access to discounts and privileges from MasterCard.

Get a Card Credit Plus card

Yandex.Plus credit card for online purchases and payments

Yandex.Plus credit card offers the best cashback conditions for active users of the company's Internet services. It is issued free of charge by Tinkoff or Alfa-Bank at the client's choice. Both banks are ready to deliver it to the client.

Benefits of Yandex.Plus credit card

Refund 169 р. per month for a Yandex.Plus subscription at expenses of 5,000 rubles or more. per month.
Cashback 5% for entertainment, training and sporting goods, and for everything else - 1%.
Increased up to 5% cashback on Yandex services, and in one of them it will be 10%.
Free delivery of goods when shopping on Beru.ru in the amount of 500 rubles.
Discounts in Yandex services.
Up to 55 days of grace period for card purchases Tinkoff and up to 60 days for all transactions - with a credit card from Alfa-Bank.
Bid- from 11.99% at Alfa-Bank and from 15% at Tinkoff.

Yandex.Plus credit card application

How to choose the best credit card?

The amount of expenses, their nature and the situation of each person as a whole are individual. It is necessary to choose a suitable credit card taking into account all its nuances and your own wishes.

Choosing which credit card is more profitable, Special attention should be given to the following points:

Maintenance cost. It makes sense to spend a significant amount on plastic maintenance only if there are large and regular expenses, provided that the commission does not “eat up” all the benefits from cashback and bonuses.
Cashback size. It directly determines how much of the money spent on purchases can be returned.
Duration of the grace period. If you plan to make large purchases with a card, then products with a maximum credit limit will be more interesting. For everyday spending from a credit card, more attention should be paid to cashback.
Operations for which there is a grace period. Sometimes you can't do without cash. But these operations are not subject to preferential lending terms for all financial organizations.
Cash withdrawal fee. It can be quite large. If you plan to withdraw cash from a credit card often, then it is better to choose products where there is no fee for issuing cash or it is minimal.

Advantageous credit cards- excellent tools for convenient use of borrowed money. At the same time, it is not necessary to overpay, and if you choose a credit card with cashback and / or bonuses, then from the use of funds credit institution you can even get additional savings.

Today, more than 50% of the population of our country have credit cards. Such popularity is due to their convenience and favorable terms of provision. With the growing demand, banks offer a huge list of credit cards different types and types in which it is easy to get confused. How to choose the right credit card, and which credit cards are the best in 2020, will be discussed in the article.

What you need to know about credit cards

Due to the great competition, banks are trying to lure customers by offering to issue a credit card on super favorable terms. However, before you agree and use this product, you should learn about it as much as possible. detailed information and get acquainted with the offers of various banks.

A credit card and a consumer loan are two completely different products. Here are their main differences:

To get a credit card, you do not need to collect documents and wait for bank approval. It is enough just to come to any branch and inform the employees about your desire to get a credit card;
A credit card is a renewable product. After paying off the debt, the money can be used again almost immediately;
For use consumer credit the client pays interest, for using a credit card, in addition to interest, a service fee is charged, which can be from 400 to 6000 rubles per year;
The credit card has a limit that cannot be exceeded;
Most credit cards have a grace period during which money can be used without interest;
For cash withdrawals from a credit card, the bank charges a percentage;
There is no payment schedule indicating the amounts and dates of payment. The debt can be repaid in installments at any time convenient for the client within the minimum allowable payment (usually 5% of the debt amount per month). Thus, the person sets the amount of payment and the terms of repayment of the loan independently.

The interest on credit cards is usually quite high. On average, around 20-30% per annum. Therefore, the ideal option would be to pay off the debt during the grace period. For delay and failure to make payments on credit cards, penalties and fines are provided, which are prescribed in the loan agreement.

What to look for before choosing a credit card

Before choosing a credit card, you should pay attention to the basic terms of the agreement. First of all, it is the length of the grace period. The larger it is, the more profitable it is to use the card. If your goal is to use credit money in a short time, then the grace period is the main criterion for choosing a credit card. Now some banks offer cards with a grace period of up to 120 days, which means that you can use money for 4 months without interest.

Another important indicator that you should pay attention to before choosing a credit card is the cost of annual service. Some banks hold special promotions, offering not to pay for card service for the first year. At the same time, other conditions may be less favorable, since the bank does not want to remain at a loss. There are also the opposite cases. For example, a bank offers a long grace period and low interest, and the cost of servicing the card is overstated. That is why this indicator must be assessed in conjunction with all the other terms of the loan agreement.

The next indicator is the credit limit. Usually its size ranges from 200 thousand to 1 million rubles. The importance of this criterion depends on how much you need. If you plan to use small amounts, the credit limit may not be taken into account at all. If you need a solid amount, choose a card with the highest possible credit limit.

The interest rate is one of the most important criteria that must be assessed before choosing a credit card. The amount of the overpayment depends on it, and hence the profitability of using the card. Do not take into account the magnitude interest rate it is possible only if you plan to pay off the debt during the grace period. However, this does not always work, so it is better to play it safe and choose a credit card with a low interest rate.

An advantageous credit card makes it possible to receive back the amount of interest on the purchase. The percentage of cashback and the list of stores and establishments in which it is charged is a very important criterion when choosing a credit card. However, you need to be careful when calculating how profitable the cashback system is. After all, partner stores can inflate their prices, and expensive card service and large percentage the loan may overlap the percentage of return.

Thus, before choosing a credit card, it will be correct to determine the most important criteria for yourself, depending on the purpose of using the card. Then it is worth considering the proposals of various banks, based on the indicators that are most significant for themselves.

Best credit cards in 2020

Today, you can get a credit card in almost any credit institution. Moreover, in one bank you can find several types of credit cards with different terms of use. It is very difficult to make a choice in favor of any one bank or credit card, since it is impossible to calculate all the needs of customers and the nuances that affect the decision.

According to statistics and user opinion, the best credit cards in 2020 are:

A credit card is simple and convenient. It is possible to pay with it almost everywhere, and the conditions for using borrowed funds are beneficial for the client. Before choosing a credit card of a particular bank, it is worth considering the proposals of several institutions and deciding in favor of the most profitable product for yourself.

One of the most common types of loans is a credit card. Credit cards are cards issued by the bank, they are credited with sum of money in the amount of the loan given to you. They are very convenient, and well replace the usual cash loans for us. This is a very convenient use of the credit amount both in Russia and in other countries. With the help of credit plastic, you will be able to pay bills and purchases, within the limits of the loan amount. The credit card limit is equal to the amount credited to the loan. Sum maximum loan calculated based on your stable income and credit history.

A bank card is a good substitute for cash payment. It is very beneficial as in Everyday life and for trips to other countries (if there is a VISA distinctive sign on the card). Plastic cards are a very modern method of calculation. On this moment in circulation about one hundred and twenty million plastic cards, half of which are credit. With a credit card, you can withdraw cash if necessary.

Which bank to choose a credit card from?

To obtain a loan, you should carefully study the peculiarities of issuing from each bank, and choose a more suitable non-cash loan for you. Each credit card has a different level of service. They are divided into several main categories: standard card, a card marked "gold", and of course a platinum card. Each of them has its own characteristics.

For issuance by the bank large sum credit, they usually check the ability to pay on time. To begin with, the bank will provide you with a non-cash loan for a small amount, and then, with a good repayment of the required amounts in a period of up to one year, the bank will assess payment system, is considering a higher loan amount and a longer grace period.

When traveling to other countries, you will be able to pay bills in the required banknotes, the bank will automatically convert it on its own. With the card, you can pay for various services both in Russia and abroad. The list of such services includes:

Buying tickets from airlines;
Shopping in stores;
Paying bills in restaurants and cafes;
Payment for the services of a sports club;
Payment for services of travel agencies, etc.

Credit card holders have 24/7 access to their account.

Benefits of ordering a credit card online:

The maximum loan amount is determined when choosing a certain tariff.
Delivery of a credit card to your home, at the set and agreed time of the bank operator with the borrower.
A loan can be obtained not only at a bank, but also by filling out a questionnaire online.
Free registration of the card, with its subsequent issuance.

Payment of debt on a credit card is made both at the bank that issued you the credit card and using an ATM for accepting cash Money... You can also pay the debt by transferring funds to a card using another bank card of any bank in Russia. There is no penalty for paying off the debt in case of cash settlement.

Types of credit cards without interest

It is also possible not to pay the interest rate of the loan, for this you need to pay off the entire amount of the debt for credit agreement before the end of the current billing period. This method is only available for cashless payments. For the use of cash, you will need to pay the interest rate specified in the agreement between the bank and the borrower. When traveling to other countries, you will be able to pay bills in the required banknotes, the bank will automatically convert it on its own.

Withdrawing cash from a credit card

Withdrawing cash from a credit card is as easy as making a payment by cashless payments... To do this, you can use an ATM. You can withdraw an amount not exceeding the credit card limit. For cash withdrawals from a credit card, a commission is charged in the amount of 1.5 to 5% of the issued amount, depending on the borrower's credit card.

Conditions for issuing a credit card by passport

To make a decision on the possibility of issuing or refusing a loan, the bank conducts a serious check of the person issuing the credit card. This process is called underwriting. For clients of this bank, there is a simplified verification method.

When receiving a credit card, residents of Moscow must have a permanent job with minimum income from 15 thousand rubles per month. On these conditions, with a good credit history, the bank issues the minimum loan amount. For residents of other regions, the minimum wage must be at least 10 thousand rubles. If the official earnings are less than the due amount, the bank may consider the presence of a good car in private ownership - which will become the guarantor of solvency. Lending requirements are not much different from the requirements that are provided for the issuance of consumer loans.

It is also necessary to remember that you cannot transfer funds from the card to other bank accounts. With a credit card of any bank in Russia, you can pay for all possible services, make purchases and, if necessary, withdraw cash.

Bank requirements for cardholders

Obligatory repayment of the required part of the funds within the period specified in the agreement between the bank and the borrower.
Bring in monthly payment in a minimum amount (you can add in several parts).
With a minimum loan repayment, it is necessary to pay interest on the loan (accrued before the partial debt is paid off).
Compliance with the exact time of repayment of the required amount.
Payment of the interest rate for common use the amount of the loan.

The minimum payment must be made on the exact date set by the bank. This period is billing. Most often, this period lasts for twenty working days.

V mandatory cost for repayment, both the principal debt and the entire amount of the interest rate are included. In addition, you will be charged an amount to pay for the service of the card (service commission). At early termination credit card agreement, amount of annual commission the borrower is not returned.

In case of late payment of the debt under the loan agreement, you will also be charged a commission. Also, the commission is charged if you have exceeded the amount spent in the exact limit. The commission is provided for several more cases. These include cash withdrawals from a credit card, as well as operations performed in foreign currency. If you lose your card, you need to pay not only for the termination of all possible operations, but also for a new card.