Which banks offer the best credit cards? Best credit cards

Credit cards are the easiest way to get funds in a short time. But if you do not pay attention to conditions, such as interest on the loan, service costs and late fees, you can become a hostage to the banking system.

Ignorance of all the features and nuances is a direct path to financial problems that can develop into legal proceedings. To prevent this from happening, you need to think carefully about which credit card is more profitable to take, and also study all the nuances and existing pitfalls.

The most profitable credit cards in 2017

If you are looking for a credit card that will not put you in debt, but will help solve financial difficulties, we suggest that you familiarize yourself with some options. After analyzing the conditions - the limit amount, the annual rate, the cost of maintenance and the rules for providing a grace period, we selected several interesting offers.

Tinkoff Bank Platinum

A universal credit card with a bonus program and a low interest rate, which can be received within one business day. To do this, you just need to submit an application on the website and wait for the courier who will deliver the card to the specified address.

• the amount of the loan provided is up to 300,000 rubles;
• the rate under the loan agreement is from 12.9% to 49.9% per annum;
• maintenance – 590 rubles for each year of using plastic;
• withdrawal conditions – commission 2.9% + 290 rubles;
• The grace period valid for purchases is 55 days.

In addition to the subscription service fee, borrowers will have to pay for the SMS Bank service in the amount of 59 rubles per month and the insurance program - 0.89% per month of the debt amount.

Alfa-Bank "100 days Classic"

If you are still thinking about which credit card is better to take, we present to your attention the “100 days” plastic card. The tariff provides loyal conditions that allow borrowers to use funds for 100 days without interest.

• maximum loan size – 300,000 rubles;
• % rate – from 23.99%;
• cost of using plastic per year – from 1,190 rubles;
• conditions for cash withdrawal - you can withdraw up to 60,000 rubles per month. When withdrawing funds up to 50,000 per month, no commission is charged. Otherwise – 5.9%, minimum 500 rubles;
• grace period applicable to all types of transactions – 100 days.

When filling out an application online, the card can be delivered by courier. At the moment, the service is implemented in several large cities - Moscow, Rostov-on-Don, Samara and so on.

VTB 24 "Multicard"

A new offer from the largest commercial bank in Russia, which is characterized by a large credit limit and other attractive conditions. In addition, borrowers have the opportunity to choose a bonus program from three options.

• available amount – up to 1,000,000 rubles;
• rate – from 26% per annum;
• terms of service – 249 rubles, starting from the second month;
• accrual of interest on personal funds - up to 10% per annum;
• withdrawal of credit money - up to 2,000,000 rubles per month, commission 5.5%, minimum 300 rubles;
• The period without interest accrual for any transactions is 50 days.

Borrowers have the opportunity to reduce the cost of annual servicing by making transactions in the amount of 15 thousand rubles per month or transferring wages from a legal entity to a card issued as part of the Multicard package.

Citibank "Prosto"

When choosing a credit card for withdrawing cash, you should pay attention to the “Simply” card, which has no fee for withdrawing funds. In addition, the tariff has a relatively low interest rate and free service.

• the size of the credit line according to the tariff is up to 300,000 rubles;
• annual rate accrued on the amount of debt – from 18% to 32.9%;
• Card service is free;
• cash withdrawal – up to 105,000 rubles per day, 0% commission at bank ATMs.
• Grace period for purchases – 50 days.

Of course, using Citibank plastic will be profitable, taking into account all the conditions, but borrowers will still have to pay for some additional services, for example, SMS info - 89 rubles per month and City Express - 65 rubles per month.

VTB Bank of Moscow “Low Interest”

A gold credit card, ideal for both withdrawing cash and paying for purchases, since all transactions have a grace period. Another advantage is the possibility of issuing a card for individual entrepreneurs, notaries and lawyers who have been operating for 12+ months.

• loan provided with a certificate of income – 350,000 rubles;
• rate – from 23.9% to 29.9%;
• annual service cost – from 480 rubles;
• conditions for cash withdrawal – up to 500,000 rubles per month using a loan, commission 4.9% + 299 rubles;
• The grace period for all transactions is 50 days.

An additional fee of 40 rubles per month is charged for servicing the transport application. The service is activated after one transaction to pay for travel.

Customer Reviews

If you still haven’t decided which credit card is more profitable to get for cash withdrawals and purchases, reviews will help you do this. Especially for you, we have collected the opinions of clients who use the described credit cards. Find out what they think about the bank's work right now.

What to choose?

Making a choice between several cards can be very difficult. To do this, you need to carefully read the terms and conditions, and also determine why exactly you need a credit card. This is necessary in order to get maximum benefit. For example, for making purchases the ideal option is “Multicard” or “Platinum”. These tariffs offer interesting bonus programs. But these cards are not suitable for withdrawing cash due to the high withdrawal fee.

To withdraw credit funds, it is better to select “100 days” or “Simple”. This is due to the absence of additional withdrawal fees. In addition, Alfa-Bank credit cards have a grace period that applies to all transactions.

Among the variety of loan offers, it is sometimes difficult for the user to decide and make the right choice. If consumer loans do not differ significantly in terms and conditions from each other, then with the choice of a credit card things are much more complicated. We are talking about both the choice of bank and the conditions for servicing this loan product, so for many potential borrowers the question will be relevant, which credit card is better to apply for.

Criterias of choice

A credit card is not just a piece of plastic with borrowed funds in the account; it has enormous opportunities for use. You need to immediately focus your attention on co-branding options; this is a payment instrument that gives you the opportunity to receive discounts and bonuses from a bank partner. For example, among the popular co-branded cards, users highlight the Aeroflot brand, which makes it possible to pay for card purchases and accumulate points, which in the future can be exchanged for premium airline tickets of this company.

In general, when applying for a credit card, all users first of all pay attention to the interest rate on the loan. But this is not entirely correct, because even with the active use of borrowed funds, you may not pay interest. Each bank provides a grace period; if during this period you top up your account in the amount of the amount spent, the bank does not charge interest. Accordingly, it is wiser to choose cards with a long grace period.

One of the bank's tricks is withdrawing cash from a credit card. Firstly, in most banks the grace period does not apply to cash withdrawals, that is, interest begins to accrue from the moment the card is cashed. Secondly, for this operation there is a commission of at least 500 rubles, and if you withdraw money through a third-party bank, it will be even higher. Before applying for a card, make sure that the grace period applies to cash withdrawals.

An important criterion when choosing a credit card is the limit. When you first contact the bank, you don’t have to count on a large amount. Banks independently determine the maximum loan amount, taking into account the borrower’s income, age, marital status, credit history and much more. But this is not a reason to refuse favorable conditions, because after 6 or 12 months the lender can reconsider its decision and increase the limit, if the borrower regularly fulfills his loan obligations.

For users, an important criterion is annual maintenance, additional paid services and hidden commissions. If we talk about annual maintenance, the fee may reach 5000 rubles, if the borrower becomes the owner of a gold card, at the same time he becomes a privileged client of the bank. But you can use the card completely free of charge if the client issues a credit card at the bank through which he receives his salary. Additional paid services include SMS notifications, viewing balances at ATMs of a third-party bank, statement reports, and others.

The last important condition for the user is the speed of registration and the minimum set of requirements. Many clients want to receive a card on the spot, without long waits, and it is desirable that the bank does not require any other documents other than a passport. Indeed, many banks are ready to provide a card quickly using one passport, but either to the client who receives a salary into an account in this bank or has a deposit account, or on extremely unfavorable conditions.

So, where is the best place to get a credit card? First contact the bank with which you have had a positive experience of cooperation, perhaps the lender will have an advantageous offer for a trusted client.

Banking offers

It must be said right away that there is no ideal loan product. Each offer has its own characteristics and advantages, so the user must decide for himself which selection criteria are his priority. Below are lists of credit cards that best suit the needs of most users.

Tinkoff Bank

If we talk about which bank is better to get a credit card from, then the choice of most potential borrowers is credit cards from Tinkoff Bank. The main reason is the simplicity of the application; the bank does not have sales offices or its own branches, so the only option is to submit an application on the lender’s official website. The second advantage is that the answer comes within 2 minutes, and this is the final decision. The third advantage is that the only documents needed are a passport, a loan agreement, and the card itself will be delivered by a courier to the address specified by the client. The entire registration procedure will not take more than a day.

Credit card from Tinkoff Bank

The terms of service can hardly be called loyal. Because interest rate can reach 45% per year, and the bank sets the credit limit independently, but upon registration it is unrealistic to receive 300 thousand rubles. The grace period is 55 days and does not apply to cash withdrawals. Among the significant disadvantages are substantial fines for late payment of loan debt.

Tinkoff Bank offers its clients one of the best Internet banking services in our country; it can be used to make payments and transfers to more than 3,000 companies throughout Russia.

Alfa Bank

Probably, in our country it is the leader in offering co-branded cards; the bank’s assortment includes cards from Russian Railways, Aeroflot for men “Maxim” or for women who love shopping “Cosmopolitan”. The offers include both classic and gold cards. In general, Alfa Bank's banking products are designed for every client, regardless of gender and financial situation.

If we talk about the conditions for servicing credit cards, then each option has certain advantages and disadvantages. Among the main advantages is a long grace period, it can reach 100 days, and please note that it applies to cash withdrawals from an ATM. One of the advantages is the relatively low interest rate on the loan, from 25.9% in year. Among the disadvantages: expensive annual maintenance from 990 to 4990 rubles per year, large commission for cash withdrawals – at least 500 rubles per operation.

You can apply for a card on the bank’s website, after which the lender will give a preliminary response. To sign a loan agreement and transfer documents, you need to come to a bank branch.

Alfa Bank co-branding cards

Renaissance Credit Bank

This bank offers its clients a credit card, and it must be said that it attracts the attention of borrowers. The reason for this is the fast processing, the processing time for the application is record-breakingly short. The bank considers applications from clients with different income levels, the minimum threshold is only 8,000 rubles (for Moscow 12,000 rubles). The only documents required are a passport and a second one of the client’s choice; there is no need to provide a certificate of income.

Loan conditions are quite flexible, interest rate from 24% per year, it applies to both payment for purchases and cash withdrawals. A significant disadvantage is that the grace period does not apply to cash withdrawals, but to non-cash transactions up to 55 days. The card limit can reach 150,000 rubles.

Despite all the advantages, there is a rather serious drawback - high fines for late payments amount to 750 rubles plus an increase in the interest rate on late payments to 185%.

Promsvyazbank

This credit institution offers its clients a “Supercard”. This is a credit card with a maximum loan amount of up to 600 thousand rubles, grace period up to 145 days,annual maintenance is 1500 rubles. But you can use the card for free, provided that your monthly expenses exceed 30,000 rubles.

This proposal has a number of disadvantages; the interest rate will be acceptable only for employees of the organization and regular customers - 24.9%, for everyone else 10% more. In addition, the bank imposes a number of strict requirements on each client; a certificate of income is required.

Supercard from Promsvyazbank

VTB 24

This bank has many offers for its credit clients. Among the variety of credit cards, there are several options for co-branded cards that allow its holder to receive bonus points and exchange them for train or air tickets. In addition, everyone has the opportunity to use the card completely free of charge; to do this, they need to spend a certain amount monthly, for example, for a standard card it is 25,000 rubles, and for a platinum card it is 75,000 rubles.

The interest rate on the loan depends on the type of card, it varies up to 30% per year, for example, for the platinum “Collection” card it is only 22%, for the standard “Collection” card – 28% per year. The tariff is fixed, the same for each client. By the way, only at VTB 24 bank the maximum limit on a card can reach 1 million rubles. The grace period is up to 50 days; there is a fee for issuing the card.

Getting a card here is not so easy; for this you need to provide all the documents, including certificates confirming income and permanent employment. The application can be left on the bank’s website, after which, within one business day, a bank employee will contact the potential client at the specified number and inform about the decision made; the loan agreement is concluded at the bank branch.

Sberbank of Russia

If you ask which bank is better to apply for a credit card, many would probably choose Sberbank of Russia, and for good reason. Firstly, more than half of the residents of our country take out loans, mortgages, and open deposits here. Secondly, over the many years of its existence, the bank has gained the trust of its clients.

Among the credit cards, the client can choose a classic or gold, as well as youth or co-branding. Sberbank offers an instant issuance card for its clients, but it can only be obtained with prior approval. Interest rates on loans range from 25.9 to 33.9%, at the discretion of the lender. The credit limit is also determined by the lender; the maximum threshold - 750 thousand rubles - is available only to gold card holders.

Sberbank has a special approach to lending to its salary clients and depositors, as well as verified borrowers.

Offers from Sberbank

Which bank to choose

It is definitely quite difficult to answer the question of which bank’s credit card is better to apply for. First of all, you need to ask the loan specialist about the terms of service, because the client will find out all the “hidden” commissions and additional fees only when signing the loan agreement. Secondly, you need to choose a bank with a developed ATM network so that there are no problems with withdrawing cash; Sberbank is undoubtedly the leader here.

Most banks independently offer their clients a credit card on favorable terms, but this is mainly for depositors and salary clients. For responsible borrowers of consumer and mortgage loans, there is also a suitable product with privileged conditions.

Unfortunately, not only the client chooses the bank, but the bank also chooses the client. Most lenders take a responsible approach to choosing a borrower, so there is a high probability of being rejected. A reasonable option would be to select several offers with acceptable lending conditions and send applications to several banks at once, only then make a choice in favor of one product or another.

So, which credit card is the most profitable, user reviews will help you determine this accurately. You can read user opinions on any third-party resource. In addition, banks differ among themselves in additional services in the form of remote services for financial management. In general, you should not rush to choose a credit card, because the chosen product should bring maximum benefit to the owner.

Although why should the card be the only one? You can keep a profitable combination of cards in your wallet - with one card you can receive discounts at gas stations, with the other you can get bonuses in your favorite store, and the third can be used for unexpected purchases, because it has the lowest interest rate. It’s not worth applying for a dozen cards at once, but submitting an online application for several cards can be useful: firstly, some banks may refuse, and secondly, you need to compare the conditions that will be offered to you.

How to choose the best credit card

How to choose the most profitable card that is right for you? It's worth paying attention to how you plan to use it:

• If you plan to completely (or almost completely) repay your debt every month, choose credit cards with a long term.
• If, on the contrary, you want to pay for a large purchase and then gradually pay off the debt, pay attention to the interest rate and choose.
• Additional bonuses, discounts, air miles or will be an additional benefit of using plastic instead of cash.

On the BankCreditCard portal you can find reviews of all popular cards. Most reviews are negative, but that doesn't mean all cards are bad. Most often the problem is the incorrect use of the card. However, in each review you can find a rational grain - how the bank solves the client’s problems, the experience of communicating with the support service, sudden changes in tariffs and conditions.

Top - 5 best credit cards

We have selected the 5 best cards for all occasions. In 2018, our rating included cards from Tinkoff Bank, Touch Bank, Renaissance and Alfabank. Below we will tell you more about them.

A credit card is the best card for those who travel a lot or go on business trips. When you pay by card every day, you will receive 2% on your bonus account, and for purchasing air tickets, booking hotels and renting a car - from 3 to 10%. You receive 10% for hotel rooms and 5% for air tickets when making an order on the website Travlel.Tinkoff.ru, in other cases - 3%. It is very convenient that when paying with a Tinkoff card, you can still receive miles from the airline, thus receiving miles on 2 accounts at once.

The annual service fee quickly pays off, including through a free insurance policy.

The only disadvantage of the card is that miles can be used in increments of 3,000 miles (rubles) and starting from 6,000 rubles.

New to our ranking. But the conditions for it are really interesting. After Svyaznoy stopped releasing its universal card, and then completely lost its license, there weren’t many worthy universal cards on the market.

The Touch Bank card is notable for the fact that you can immediately receive interest on your balance (to do this, you need to place the money in a savings account) and 3% cash back in a selected category, for example, on purchases in supermarkets. And if necessary, you can use a credit limit with an interest rate of 15%. Card servicing is free if you have 50,000 rubles in your account or with a turnover of 30,000 rubles or more.

Became the best card with free service. Service on it is free without any “buts and ifs”, while cash back up to 10% in the category of the month and 1% on all other purchases is very pleasant. There are restrictions on the maximum reward amount, and the money goes to the bonus account, and not directly to the card account. But free service and a loan rate of 24% outweigh.

Received the worthy title of the best credit card with a grace period. You can get an honest interest-free loan for 100 days. The main thing is not to forget to pay the minimum required payment.

Became the best debit card. Attractive interest on the balance and honest cash back, which is simply credited to your account every month. In addition to 1% on all purchases, 5% is returned for purchases in certain categories, which you select quarterly in your personal account, and up to 30% for participation in promotions (purchases from bank partners).

There are several hundred banks in Russia, each with several credit cards - this choice is quite complex, so the question of which card is better is not so easy to answer. But if you know the selection criteria, it will be much easier to choose.

What should a borrower focus on?

It is impossible to answer unequivocally which offer will be the best, because for each person completely different conditions will seem the most attractive. In order to choose a profitable product for yourself, you need to focus on your own preferences.

You can apply for a credit card right now. But remember!!! Before you take out a credit card, think 10 times and apply once. Read the terms of the contract carefully. Also read the note: When can you take out a loan and when can you not take it out? , it will help you avoid making serious mistakes!

What is the most important thing in the characteristics, what should those who are planning to get a credit card look at? Here are some nuances:

• Interest rate. The lower it is, the less you will have to overpay if you do not meet the grace period without %.
• The limit amount is an important characteristic if you plan to actively make purchases and you need large sums of money for this.
• . It allows you to avoid paying interest on your loan for several days, weeks or months. Often it lasts up to 50-55 days, sometimes 145 or 200. But banks indicate only the minimum duration of such a period. Moreover, if the client needs cash, he still needs to pay a commission when withdrawing from an ATM. Read more about such cards on this page.
• Number of ATMs. This is not the main, but important indicator. The more ATMs and terminals there are in a city, the easier it is to withdraw cash when you urgently need it. Sberbank and VTB 24 are now leaders in this indicator.
• Maintenance cost. At the stage of choosing a bank, pay attention to what fees you will have to pay for using the card. For some companies it is monthly, for others it is annual. Look for profitable promotions and offers where, with a certain limit of money spent on the card, you can avoid paying this amount.
• Hidden commissions. Banks often lure customers with a long grace period and low interest rates. At the same time, they stipulate high tariffs in the contract.

As you can see, you really need to choose a credit card for yourself. If you plan to withdraw cash, look for programs with low fees for this service. Do you shop in stores and don’t want to overpay? You need cards with a long interest-free period.

If you often use the services of certain companies, for example, you fly through Aeroflot, then you should look at the options for obtaining a bonus credit card, we talk about them.

As a rule, most borrowers pay attention exclusively to the interest rate in order to overpay as little as possible. We have selected the most profitable offers with low interest rates for using borrowed funds.

We present to your attention the TOP 5 credit cards for the current year:

1. MasterCard Standard (Citibank) – limit up to 300,000, interest – from 13.9%. Grace period – 50 days. No certificates are needed for registration. Home delivery. The decision is made within 2 days. Annual maintenance is free.
2. “100 days” () – amount up to 1 million rubles, rate from 14.99% for non-cash purchases and cash withdrawals from an ATM. The grace period lasts up to 100 days. The service fee starts from 1190 rubles. annually.
3. “Available Plus” (Asian-Pacific Bank) - will provide up to 700 thousand rubles, rate - from 15%. Grace period – up to 56 days. Annual maintenance fee – 1780 rubles.
4. “Emotion” (Ak Bars Bank) - limit up to 500,000 rubles, interest - from 17.9% per annum. Grace period – up to 55 days, you can install a transport application. The first year of service is free, there is a cashback of up to 1.25% of the purchase amount.
5. Classic from Sberbank of Russia. Allows you to access an amount of up to 600 thousand rubles. with a rate of 23.9% per year. There is an interest-free period of up to 50 days, service can be free (if there is a special offer for regular customers) or 750 rubles. annually.

Additionally, we invite you to familiarize yourself with favorable offers on credit cards from other banks in this article.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

What to do if banks refuse?

If your credit history is damaged, then in this case we advise you to go to this page to find out about the available options for such borrowers. You need to look for companies that are tolerant of small errors in CI.

Important: bank loyalty can only be obtained if all your arrears are closed, you have official employment and a salary, which you can confirm with a certificate. With open debts, courts or bankruptcy, no one will approve your application.

January 2019

The popularity of such a banking product as a credit card is growing rapidly every year. The conditions for their use and service are constantly improving due to the fierce competition among companies in the financial sector. Banks, in order to attract more customers, are creating more and more diverse and attractive loan products. In this article you can find out which banks are presenting the most profitable credit cards to their clients in 2019, as well as find out their main features.

What should you pay attention to when choosing a card?

Before proceeding directly to the description of the best banking products, you must first decide on the most important criteria, the combination of which will ultimately help you make a choice in favor of the best and most profitable offer.

When evaluating a particular credit card, it is necessary to consider and compare the following characteristics:

1. Grace period (grace period). This is a time period within which the credit card user can use borrowed funds free of charge, provided that the debt is fully repaid before the end of this period. As a rule, the grace period applies to non-cash transactions. However, some banks present. The average length of the interest-free period for the bulk of banking products is about 60 days. However, there are now offers on the market with a longer grace period - you can find out about them.
2. Minimum payment. Represents a mandatory monthly payment if you have credit card debt. Determined by a fixed percentage of the total debt as of the settlement date. The monthly payment for most Russian banks is equal to 5% of the total debt amount.
3. Cashback. An option that sets a certain percentage of return on spent funds. Each financial institution has its own cashback percentage. A huge variety of different credit cards offer various types of such returns depending on the area of ​​payment (some offer increased cashback for paying with a credit card at gas stations and in restaurants, some for purchasing clothes and shoes, and so on). The minimum cashback is awarded for absolutely any purchase (if such an option is provided on the card). The list of the best credit cards with cashback in 2019 can be found in the corresponding material.
4. Payment for annual card maintenance. There are cards with or without an annual service fee. However, you should not put this point at the forefront, since other conditions for a credit card with free service may be much worse than for a paid one. Here it is necessary to make a comprehensive assessment of all the main factors.
5. Commission for cash withdrawal from ATMs. This point must be taken into account by those who plan not only to pay with a credit card in stores or on the Internet, but also to withdraw money from it. Such people should opt for offers where there are no fees for withdrawing funds.
6. Fee for additional services. Such services include mobile banking, SMS notifications, transfers to third-party financial organizations, replenishing card balances through terminals of other banks, etc.

Which bank has the best credit card?

Now you can go directly to the description of the most attractive credit cards provided by the country's leading banks. Below is a list of the TOP 6 financial organizations with the best conditions for credit cards. From this list you can choose the most suitable and profitable credit card based on your needs.

Rosbank - credit card for purchases “#EVERYTHING is possible”

The main advantages of this credit card are a large credit limit and an interesting cashback program. The maximum amount of credit funds can be 1 million rubles, and the length of the grace period is 62 days (applies to both card payments and cash withdrawals), which is a pretty good result. Cashback from 1 to 10% is possible on a credit card (a maximum return of 10% can be received for paying in your favorite category, which can be changed once a month, and 1% for all other purchases).

The fee for issuing a card is 0 rubles, the first year of use is free, and the cost of payment for subsequent years is 890 rubles per year (you will not have to pay for plastic maintenance if the credit card turnover for the previous year is more than 180 thousand rubles). Mandatory monthly payment is set at 5% of the principal amount. The minimum interest rate is 26.9% per year. The commission for receiving cash is 4.9%, but not less than 290 rubles.

The SMS notification service will cost 60 rubles per month. You can apply for a credit card on the bank's website. It will take no more than 5 minutes to review.

Apply for a card

Russian Standard Bank - cashback on all purchases with a Platinum card

Among the variety of credit cards offered by this bank, the card with the option of interest-free installments up to 1 year “Platinum” especially stands out. With a credit card, you can get a cashback of up to 15% for purchases from partners, up to 5% in three selected categories, and 1% will be returned on the cost of other purchases.

The credit limit is standard - up to 300 thousand rubles. The interest-free period is 55 days (does not apply to cash withdrawals). The interest rate, if the debt is not paid during the grace period, starts from 21.9% for card purchase transactions, and for cash advances the minimum rate is 29.9%.

Directly for issuing funds through a bank terminal there is a commission of 3.9% + 390 rubles (in the first month of using the card, you can withdraw cash without a commission, and also through third-party ATMs). Transfers between cards are subject to the same commission.

The annual cost of card maintenance is 590 rubles. To use the service of notification of transactions via SMS, you will have to pay 59 rubles per month. The minimum monthly payment is 3% of the debt amount.

Apply for a card

Tinkoff Bank - profitable credit card for everyday purchases Tinkoff Platinum

This product is the most popular in the credit card industry. This is not without reason, because the conditions on this credit card are very tempting.

The interest-free period has a time frame of 55 days (0% installments are also available for 365 days with the bank’s partners), and the upper limit on the amount of credit funds is 300 thousand rubles. The interest rate here is from 12% for purchase transactions with a card (in case of delay) and from 30% for cash withdrawal transactions. The minimum monthly payment is calculated individually and ranges from 6 to 8%.

The cashback program is as follows: 1% return on the amount of all purchases and up to 30% on special offers (you can view them when visiting your personal account).

For cash withdrawal through a bank terminal there is a commission of 2.9% + 290 rubles. SMS alerts about transactions will cost 59 rubles per month.

Another factor that justifies the high popularity of this credit product is that you can apply for a card from the age of 18 without proof of income. You can complete the order via the Internet - the application will be reviewed instantly and the credit card will be delivered to the required address within 2-3 days. The annual cost of maintenance is 590 rubles.

Apply for a card

Bank Vostochny - profitable credit card “Simply”

The main feature of this card is the daily fixed payment amount in case of card debt, which is 30 or 50 rubles - this model is ideal for short-term loans. Grace period - up to 1,850 days.

Other plastic characteristics:

• the maximum amount of credit funds is 70 or 120 thousand rubles;
• loan rate - 20% after 60 months;
• cashback program - return up to 40% on online purchases in partner stores;
• the cost of SMS notification is 89 rubles per month;
• there is no commission for withdrawing cash from an ATM;
• The grace period applies to any transactions.

To receive a card you need to submit an online application. The decision will be made within half an hour, after which you can pick up the credit card at any convenient branch.

Apply for a card

Alfa-Bank - credit card “100 days without %”

This card is one of the most profitable for withdrawing cash from ATMs. You can withdraw up to 50 thousand rubles per month from it without commission. It is noteworthy that the grace period for this card is valid not only for paying for goods and services, but also for the amount of cash that was withdrawn through an ATM, which credit cards of most other banks cannot boast of.

The interest-free period, as the name of the card implies, can reach 100 days. Interest on the loan starts at 11.99%. The maximum amount of credit is 500 thousand rubles (for the standard version of the card). The minimum monthly payment is equal to 5% of the principal amount of the debt, but cannot be less than 300 rubles.

A year of servicing a credit card from Alfa-Bank will cost from 1,190 rubles. The price for SMS information services is 59 rubles per month, starting from the 2nd month of use.

To obtain the desired product, you can fill out an online application for a credit card through the appropriate form on the bank’s website. You can receive an answer within 2 minutes and go to the nearest branch to get your card.

Apply for a card

Another card, the interest-free period for which extends its validity both to transactions for payment for goods and services, and to cash withdrawals through ATMs.

The main characteristics of this credit card are:

• length of the grace period - 4 calendar months;
• the maximum credit limit is 300 thousand rubles;
• annual percentage - from 28 to 31%;
• the minimum payment amount is 3% of the amount of the debt;
• cashback - 1% for absolutely any purchase;
• commission for withdrawals of funds - 4% (but not less than 500 rubles);
• annual service price - 0 rubles (conditions apply);
• the cost of SMS notification services is 50 rubles per month.

You can order a card online on the official website of UBRD Bank. There is a possibility of free delivery.

Apply for a card

How to get a credit card?

To obtain the desired product, you can use two main methods:

1. Visit to a bank branch. You can apply for a credit card at a bank by visiting the selected branch and submitting an application to a specialist. The issue of issuing the appropriate card is considered quite quickly, and it is possible to receive a credit card in your hands on the same day of application.
2. Submitting an online application on the financial institution’s Internet resource. The client can apply for a credit card directly on the website of the bank of interest. To do this, you need to find the desired loan product there, fill in the requested contact information and leave an application. The review process will be very fast (usually no more than an hour). Afterwards, a bank employee contacts the client using the specified contact information and reports the result. You can receive a credit card in your hands at a convenient bank branch or when ordering home delivery (some organizations provide such a service).

A credit card is a very good tool for a financially literate person. If you comply with the grace period and repay the debt on time, you can use credit funds absolutely free.

It would be incorrect to recommend which bank credit card is best for absolutely everyone without exception. Everyone has individual needs and desires, based on which it is necessary to evaluate all products and choose the best one.

The article describes the best credit cards among all the variety on the market. After reading the article, you will only need to decide on the choice of the most important parameters, analyze the above proposals and choose the optimal one.

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