Apply for a credit card online for cash withdrawals. Credit cards for cash withdrawals without interest. Money transfer systems

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A cash withdrawal credit card is available to every customer subject to simple security requirements. Determination of the borrowed funds limit and interest rate on an individual basis. Bonuses and discounts from partners are additionally provided.

Order online credit card without interest for cash withdrawals

Credit card without interest for cash withdrawals, without visiting the office. This opportunity is provided by most of the issuing banks. The user is asked to fill out a simple questionnaire and confirm their actions with a one-time code. Upon prior approval, the client is invited to the banking department to provide documents and conclude an agreement.

For loyal borrowers, the procedure is simplified by submitting an application through a personal account. It is enough to decide on the type of payment system, the size of the loan and a set of additional options (increased cashback for certain categories, the availability of insurance for those traveling abroad, etc.). The signing of the contract is carried out at the time of issuing the plastic.

When choosing a credit card with the ability to cash out, it is important to pay attention to other parameters of the product: duration of the grace period, interest rate, minimum payment.

Registration of a credit card for cash withdrawal without commission

The process with no commission for cash withdrawal is carried out according to standard technology. It includes 4 stages:

I will submit an application in any convenient way: online, in a bank department, on the intermediary's website, through a call center and others.
Consideration of the application. If the amount of the credit limit does not exceed 200 thousand rubles, then an express analysis of the reliability of the borrower is carried out. Its rating is formed on the basis of data from public sources, a questionnaire and a BKI. If the limit is exceeded, it is possible to request confirmation of financial stability using a 2-NDFL certificate or a certificate in the form of a bank.
Getting a solution. The client is notified by phone or by sending an SMS notification. At this stage, the established limit and interest rate are agreed upon.
Making and issuing a credit card. The conditions and place of receiving the plastic are discussed at the stage of filling out the questionnaire.

A good credit history is one of the main criteria for obtaining a credit card on favorable terms.

Age restrictions, requirements for source of income and type of employment are similar:

age - from 21 years (for participants of salary projects, significant clients, it can be reduced to 18 years);
minimum income - from 10 thousand rubles (for cities of federal significance - from 15 thousand rubles);
seniority at the last job - at least three months.

To increase the chance of approval of the stated credit limit, you can provide a certificate in the form of the lender or a document-basis if you have additional income. The information is confidential and cannot be transferred to the tax authority.

Get a credit card with free cash withdrawals

A credit card with free cash withdrawals can be obtained in the following ways:

in a banking division in the region of residence (classic method);
courier home delivery;
at the place of work for participants in salary projects;
by post.

Perhaps . An unnamed Momentum is provided to the client. Its distinctive features: low limit (limited to 100 thousand rubles), medium level of protection, limited offers from partners. This is the best option if you need money urgently. In the future, it is recommended to replace it with ordinary plastic with a multi-level protection system.

The credit card can be approved by the borrower together with a non-targeted loan or mortgage. The term for the decision of the bank is 30 days.

Credit cards for cash withdrawals with a grace period

Credit cards for withdrawing cash from are a demanded financial product. This is due to the fact that in Russia another 15% of the turnover is in cash.

When cashing out money and making a regular payment on time, interest is not charged, that is, the grace period is not interrupted. For the performed operation, it is possible to charge a commission in accordance with the tariff book. It varies in the range from 2 to 4.9%, at least 390 rubles.

Almost all banks set a limit on the minimum amount of a debit transaction through an ATM in the amount of 500 rubles.

Credit card with the possibility of interest-free cash withdrawal

Cards with the possibility of interest-free withdrawal of the credit limit allow you to avoid commission for cash withdrawals. The holder can save money, but at the same time use the money in the account at his own discretion.

The advantages of a credit card for individuals are obvious:

savings on interest due to the preservation of the grace period;
elimination of short-term financial difficulties without obtaining a loan from a bank or MFO;
control over the movement of money through your personal account;
registration according to the minimum package of documents;
getting a cashback and others.

Credit cards with the ability to withdraw money are indispensable in emergency situations. The holder can avoid commission and accrual of interest on the loan if the debt is repaid on time. However, more stringent conditions may be imposed on the card: a high interest rate, the presence of an annual service fee, a small or no grace period. These parameters should be taken into account when designing a product.

A credit card has long become a universal tool for meeting material needs when personal funds are insufficient. But large commissions for cash withdrawals often confront the potential consumer with a choice of how relevant the selected offer is. Credit cards with cash withdrawals without interest are every person's dream.

How to choose the right card for cash withdrawal

To choose the best offer for issuing a credit card for cash withdrawals, it is recommended to first pay attention to 4 selection criteria:

Availability of a grace period. Most banks provide an interest-free service for credit cards, where you can meet and withdraw cash with a minimum commission. It is not profitable for Russian banks to issue cash for free, so this practice can be found in absolutely every financial institution. The best option would be a fixed amount, but often a percentage of the amount to be withdrawn + a certain service fee is charged
Loan amount. The card sets a limit on funds that can be spent by the borrower. It is important to take into account your own capabilities and financial burden, so as not to delay payments in the future.
Interest rate. Begins to act at the end. Then the borrower will have to pay the loan + interest, which increases the monthly expenses. The optimal offer will be the action of the minimum bet
Service cost. Some banks provide the first year of service free of charge. However, this parameter also includes the presence of additional commissions and fees, bonus programs, cash back.

A credit card with interest-free cash withdrawal is ideal for those who are used to making purchases with real money.

Sberbank credit cards for cash withdrawals without commission

Sberbank is one of the most popular and reliable Russian banks. Regardless of the type of credit card, the commission for cash withdrawals is set in all submitted offers. Gold cards with optimal cooperation conditions deserve close attention:

For the day, there is a limit on cash withdrawals in the amount of RUB 100,000 lei. Depending on which third-party ATM you are using, the commission is set at 3-4%
Cash withdrawals are available at any Russian ATM
There is a credit limit of up to 600,000 rubles
The period without calculating the interest rate is 50,000 rubles
Loan rate from 25.9%
The action of the bonus program "Thank you from Sberbank"
Free card issue
Registration within 3 working days
Depending on individual conditions the cost of service per year is up to 3,000 rubles.

The percentage of cash withdrawals from a Sberbank credit card will not be deducted if money is withdrawn from ATMs of this financial institution.

Alfa bank cards for cashing without commissions

Alfa-Bank credit cards provide optimal offers for cash withdrawal, if the amount per month does not exceed 50,000 rubles... In this case, the commission is not provided. If the amount for cashing out exceeds the established limit, a commission of 500 rubles + 5.9% of the amount of the established amount is applied.

The following conditions of use are also provided:

Application, SMS informing and Internet banking are provided free of charge
The period without interest on the card is 100 days
Security is ensured by confirmation of payments in 3D Secure format
No commission when replenishing your account
Credit line up to RUB 300,000
Loan rate from 23.99%
The annual service cost is 1290 rubles.

Cash withdrawals from an Alfa Bank credit card must be carried out only at the banks of this financial institution.

VTB credit card for cash withdrawals without interest

A unique offer from VTB "Multicard" in the form of a universal credit card offers not only cashless payments for purchases, but also the ability to withdraw funds on favorable terms. The following proposal is provided:

The possible amount for withdrawing cash per day is 350,000 rubles. Free cash withdrawal
Withdrawing funds from any ATM
The maximum credit limit is 1,000,000 rubles
The grace period is 50 days, but does not apply to the possibility of cash withdrawals
Loan rate from 26%
Bonus program, providingcashback up to 10% of the size of purchases
Free card registration
Manufacturing within 3 working days
If the total amount of purchases per month exceeds 15,000 rubles, the cost of service will not be charged. Under standard conditions, the cost of use per month is 249 rubles.

A credit card without cash withdrawal is suitable only for those who are used to making purchases online or through bank terminals.

Tinkoff credit card

Tinkoff Innovation Bank does not have fixed offices, therefore the entire application process before receiving the card is carried out via the Internet. For customers using the "Summer" product, the following conditions are provided:

There are no restrictions on the withdrawal of funds. Cash withdrawal commission is not provided
Withdrawing funds is possible at any ATM
There is a limit of up to 300,000 rubles
Using PayPass technology for contactless payment
You can top up the card free of charge through third-party ATMs
Free issue
Service cost per month is 99 rubles
Registration and delivery within 2 working days.

Many consider this to be the best credit card for cash withdrawals.

Home Credit - cards for cash withdrawal

The successfully developing Home Credit Bank offers its Platinum card on the following terms of use:

To withdraw cash a commission is paid in the amount of 4.9% of the requested amount, but not less than 399 rubles
Loan rate 29.8%
With an annual cash withdrawal from the card, a rate of 49.9% applies
Revolving credit line up to 300,000 rubles
Grace period validity for 51 days
bonus program cashback up to 5%
When using the "Benefit" program, the cost of one-year maintenance is 4990 rubles.

For those wishing to get a loan for the purchase of goods, the new offer of the "Installment" card will be interesting, but cash withdrawals are not provided. The reference point of the product is the registration of a consumer loan for the purchase of purchases. There is a credit card with free cash withdrawal, but not in all banks. Therefore, the conditions for using a credit card should be studied before registering a product.

Video "How to withdraw cash credit cards without"

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

Is it possible to 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;
By postal order;
Withdrawing money through a phone account;
Using the services of Unistream and Contact money transfer systems.

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

Fee for withdrawing cash from a Sberbank credit card in 2018

The commission is charged quite substantial:

when receiving money from a credit card account at the cash desk or in a self-service device of Sberbank, 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% (at least 390 rubles).

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

You will also not be able to cash out money by transferring to electronic wallets, for example, to Qiwi or Yandex without charging a commission.

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

First, 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 will be to receive cash from 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;
there is often a minimum commission. Then, when cashing out even 100 rubles, the bank can withdraw an amount several times higher than the amount received as a payment for the operation.

How to withdraw money from a Sberbank credit card without commission

One of the simplest options for withdrawing money from a Sberbank card is to contact the cashier or ATM of the institution "for help". In this case, you should count on a minimum commission of 1% -1.5%.

Via Yandex.Money

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

Register with a payment system that accepts and transfers money to a debit card. These include, for example, Yandex money or QIWI wallet;
Transfer the required amount from your credit card to your QIWI wallet. This will allow you to lose only 0.75% of the transfer amount, but a grace period remains, since the transfer to the wallet of this system is not considered to be sending money, but rather a purchase of a product (service);
Open a debit card in 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 different banks have their own conditions, which can often change. Such schemes pay off if you need to withdraw a large amount of money.

Via Kiwi

How to cash out via the QIWI electronic service:

issue an electronic wallet. Registration requires the account holder's phone number;
log into Sberbank Online using your username 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 "Transfer Organization";
find the QIWI-bank by the details for the transfer, which are received via SMS from this service, specify other data;
specify a credit card account as an account for debiting money;
confirm the operation using a one-time cipher sent by Sberbank via SMS.

The percentage when withdrawing cash from a Sberbank credit card in this way will be 1%. The money will be received almost instantly, but, perhaps, the enrollment will be delayed up to 3 days. Then, the funds must be transferred from the QIWI wallet account to a debit card, from which cash is withdrawn from the issuing bank's ATMs for free.

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, you can withdraw from Tinkoff for free from 3,000 rubles.

If it is less, they pay at least 150 rubles in commission for each operation. It is allowed to receive no more than 300,000 rubles in cash per day. 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 purchase QIWI in self-service devices that provide this service.

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

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

Consider credit cards from other banks with better conditions - a grace period of 100 days, free cash withdrawals (up to RUB 50,000) and installments up to 12 months.

Rate, from

Name, organization	Credit limit	Issue 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 from partners. Cashback up to 30% in points from any purchase. On the application - 5 minutes. Delivery today
	Rate, from Rate, from	Credit limit Credit limit Up to 500,000 r.	Issue fee Issue fee Not charged Annual maintenance Annual maintenance
Solution in 2 minutes. Cash withdrawal up to RUB 50,000 / month is free. 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 service. 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 of individuals is not available. Transferring money between your similar cards will also fail.

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

To withdraw funds, they sometimes use electronic transfer systems, for example, Contact, Unistream, Leader, and so on. The money is transferred to electronic wallets, from which accounts are then received cash, or sent as a cash transfer through the branches of these companies.

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

Online currency exchanges

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

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

Online exchangers often deduct 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

MasterCard Moneysend Internet resource as well as MasterCard Mobile application 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, the commission here is small - 1% (at least 25 rubles).

Transfers are allowed within the range of 50-75,000 rubles. The funds are credited almost instantly.

Withdraw money from your credit card and stay in the grace period

Cashing 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 refusal from it. The calculation 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 is a good option for 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 of goods.

In order for the scheme to work, a number of recommendations should be followed:

it is advisable to purchase only one item;
the purchase rules must provide for the possibility of a return within 14 days. For example, outerwear and footwear are suitable for these conditions. Items for individual use (underwear) and equipment in good condition for the purpose of cashing out definitely cannot be purchased. A complete list of non-returnable goods is given in the Government Decree No. 55 of 01/19/1998;
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 packaging, stickers, nameplates and so on;
when making a refund, ask for a refund in cash or by transfer to a debit card account.

A significant disadvantage of this scheme is that the refund process can take 2-3 weeks. This can happen if a large seller insists on a wire transfer, and its internal services need time to complete the application.

Booking hotels and tickets

You can cash out interest-free by booking your hotel online with your credit card account. The funds will be debited against the advance payment. After a couple of days, you can cancel the order, but at the same time you need to indicate the debit card account to return.

It is important that the advance payment is made, not the deposit. The latter, if the service is canceled, remains with the seller.

A similar scheme can be implemented when purchasing air or train tickets, provided that they are refundable. Naturally, there must be a certain time reserve 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 commissions, is, in principle, suitable for any companies that provide services: hairdressers, photographers, law firms, and so on.

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

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

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

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

Alternatively, do not terminate the contract with the telecom operator, keeping the phone number, but withdraw the money from the phone number account to the debit card account. The service provides a commission from 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, in retail outlets.

The scheme of work here is as follows:

a prepaid gift card is purchased by means of a credit card;
the account of the purchased financial instrument is transferred to the 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 trusted people. Upon completion of the transaction, the interested parties simply transfer the cash to the account holder.

You can agree on payment for the services of telephone operators, on payment of housing and communal services, taxes. In the latter case, the bank does not take 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 possessions of it. You need to understand that a credit card is a revolving line of credit.

This means that after using the borrowed funds, it is necessary to settle with the bank, returning the amounts received and, if necessary, the 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 charges for goods that the client refused to purchase.

When 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 buyer to seller and back) and terms of return.

The reason for changing the account can be justified by the fact that the card was lost, the account was temporarily blocked or the PIN code was forgotten.

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

How to choose a card for cash withdrawal without commission

Not all types of credit cards provide an 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. If he makes the minimum payments on time and manages to pay off the debt before the grace period expires, then annual payments are not charged. It is important to bear in mind that not all banks apply these conditions to all transactions; many organizations activate the grace period exclusively for purchases by bank transfer.

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

The most favorable conditions that a credit card with interest-free cash withdrawal can provide:

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

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

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

As stated 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 for yourself. This option has made such payment cards very popular not only in Russia, but all over the world, because the end customer has additional options for making a purchase. At the same time, this can be done "here and now" and gain in price, for example, if you take something at a "hot price" during sales in retail outlets or when money is needed for urgent needs of a different nature, but there is nowhere to borrow for a short time, and it's expensive ( not walking around friends, humiliating yourself, right?).

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

This is how it works long grace period on the example of an interest-free loan of 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 not less than 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 time, and even free of charge. In most cases, we are dealing with a grace period for all 50 or 55 days... A month and a half! Especially you will not run away. Banks understand this, so they are taking marketing moves ( as a rule, if the interest-free period is short, then you will have). But the client does not always need cashback, so some banks really went aside. long grace period... And this experience turned out to be successful.

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

Credit card for cash withdrawal

Usually, the grace period applies only to for purchases with a card, however, to a part, there are exceptions to this rule ( for example, Alfa Bank allows you to withdraw cash from your credit card at any ATM world no commission and within an interest-free period ). And such a profitable tool of 2019 appeared in our review! 🙂

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

There are several ways, they differ depending on what opportunities your credit card can give you within a large interest-free (grace) period. If the card can be used to withdraw cash from ATMs without interest and within a grace period (as with the Alfa Bank card), then it is advisable to transfer funds from it to any short-term deposit in the bank 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 - 100 days" card

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

We have chosen for ourselves a debit card of Home Credit Bank - "", since this bank charges one of the highest interest on the balance on the market 10% per annum(for those who issue a card now) and 6% per annum for existing customers, interest is accrued daily, and 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 you can get a good cashback for purchases on it.up to 10% in money... And the bank itself is reliable (it is a "daughter" of the reliable Czech bank Home Credit).

You can also check out our detailed. You can issue a card. The card gives 5% per annum on the account balance.

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

To receive interest on the balance, you need to make purchases for a total amount of 3,000 rubles or more per month. To be free, the cards must be kept in the account at least 30,000 rubles at all times. Cash withdrawal at any ATM in the world is free of charge from 3000 rubles. There are a lot of card recharge points.

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

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

We use cash from a credit card for free

You simply withdraw money from your "100 days no interest" credit card (each calendar month), deposit them on a Home Credit or Tinkoff Black debit card (you can even use both cards), you will benefit during an interest-free (grace) period. And at the moment when it will be necessary to pay off the debt at Alfa Bank, simply withdraw the necessary funds from the debit card and extinguish it (including the minimum monthly payments). Then, when the interest-free period resumes, you repeat the same scheme, because the grace period renewable, which means that you can repeat unlimited the number of times such a scheme 🙂

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

And this is only income from interest on the "Benefit" card. If you use this free card with cashback(and it is very bold here: 3% at the gas station, 10% on clothes, bags, shoes, 3% to any catering, pharmacies and 1% for everything else) for shopping, then your profit will grow significantly! But be here be careful: 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 money from "Alfa Bank" from a credit card, there was also your money, which you will spend.

Active use of maps "Benefit" or "Tinkoff Black"(that is, adding your own funds to credit funds, using both debit cards at once, transferring a monthly salary, as well as making purchases with cashback within the framework of free - own - funds) significantly increases the efficiency b from using the circuit 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 by 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 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 a free service option.

Why not give it a try, as this credit card is completely free for the first year of service anyway? 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 or more?

It should also be noted that on the Alfa Bank card - "" there was an option - balance transfer... This option assumes free repayment of current credit card debt in another bank. One transfer limit up to 800,000 rubles... Per year can be repaid in this way 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 a credit vacation, because you can not pay interest on another credit card of your bank (for an interest-free period) + a long interest-free period from Alfa Bank is given. Good savings come out if the conditions are met.

Credit Card: Requirements for a Borrower in 2019

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

An important point on financial self-defense: when issuing credit cards, make sure that no insurance is connected to you! Bank managers like to suggest something of this kind and slip it on the signature (it is understandable, this is their bonus), but you are not fooled! Be sure to carefully review the terms of the contract. 🙂

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

This is a long-lived card. Alfabank was one of the first to launch a card product that offers such a long grace period that reaches 100 days... Consider that for more than 3 months you can use the bank's funds at your discretion, depositing only every month within an 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 the full repayment of the current debt, you can shop again on account of the new grace period of 100 days. You can study in more detail 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 property - it is the ability to withdraw 50,000 rubles every calendar month within the limits of your credit limit!

That is, in fact in 3 months within the grace period you can 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 current-replenishing 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 are using a credit card! 🙂

At the same time, for this the bank will not take commission! Even an ATM is irrelevant: Alfabank will not charge any ATM in the world for withdrawing funds! In this case, the withdrawal of funds is included in interest-free, that is preferential period of card transactions! Separately, we would like to note that the limit of 50,000 rubles is the same for all credit limits on this card (of course, for those that are not less than 50,000 rubles 🙂), that is, whether you have, for example, a credit limit of 60,000 rubles or all 300,000 !

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

This is a unique property of the card!
Competitors cannot yet offer Alfa Bank anything of the kind 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 cannot do that! 🙂 In addition, the card “ 100 days without interest"Supports the option" balance transfer", That is, she can free to close credit card debt in another bank refinance it.

interest-free grace period 100 days- on all shopping + cash withdrawal at ATMs: commission for cash withdrawal ( 0% ), that is absent(but not more than 50,000 rubles per calendar month); within one grace period, you can get up to 150,000 rubles without a commission.
You can also withdraw more than 50,000 rubles per month, this operation will also be within the grace period(you will pay only a 5.9% withdrawal fee - but not less than 500 rubles - of the excess amount).
release free, when registering a card until December 31, 2019 service cost for the first year free.
From the second year of service (per year) 1190 rubles for Classic (for bank clients) and 1490 for everyone else - the cost of maintenance can be easily recouped in the first hundred days;
top-up from other cards, as well as Internet banking and mobile bank "Alfa Mobile Light" are free;
SMS informing is paid: 59 rubles per month (but you can always turn off and use the mobile application or Internet bank, Android Pay, Samsung Pay, Apple Pay payments);
the opportunity to open accounts in dollars and euros for free (they can be replenished using international bank details as well), a favorable exchange rate within the Alfa Click Internet bank;
no need connect service packages;
credit limit up to 300,000 rubles (for Classic), up to 500,000 rubles(GOLD) and up to 1,000,000 rubles(by Platinum);
interest rate from 11.99% per annum for everything that is not covered by the grace period of lending
(for such a rate, it is desirable to have a salary of 5,000 rubles per month (2-NFDL), or having a car for 4 years, or traveling abroad on a foreign passport during the year);
support for option " balance transfer" (can is free refinance a debt on a credit card of another bank); no more than 3 times a year, the maximum limit for such a transfer per card is 800,000 rubles.
to obtain a card, you need a passport of the Russian Federation + any additional document of your choice
(SNILS, TIN, 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 the necessary documents at the bank branch. Filling out the questionnaire online significantly saves time, since it eliminates the need to once again knock the bank's thresholds 🙂 The preliminary decision will already be known within 2 minutes from the moment of filing the application. 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 was approved. it is free.

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

This card is clearly out of the paradigm that modern banks in Russia are trying to offer us, 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+ also cashback for all purchases 1%, including such rare categories in terms of cashback as housing and communal services, payments for mobile communications, taxes, fines, penalties and insurance! And also 10% cashback in special categories!

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

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

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Last updated article: 12.12.2019