We decided to select credit cards that do not require service charges. To this end, our experts analyzed what is happening with credit cards in Russia. The data is current as of August 2017 and may change slightly in the future.
In the list below, we have reflected the list of banks in the Russian Federation that provide free cards. But it is important to understand that financial and credit organizations give the right to use the card without a fee only in cases where you make purchases with a credit card for a certain minimum amount.
There are still cases when banks give only the first year of service. Starting from the 2nd year, they charge full cost for maintenance. So be careful. We have tried to describe as much as possible all the cards that are fully or partially free of charge.
Key features:
The Touch Bank card is serviced free of charge under one of two conditions:
If you do not meet any of these conditions, your fee will be 250 rubles per month. In total, you will pay 3,000 rubles for annual maintenance. Quite a high fee, but the bank provides very loyal ways to get rid of the monthly fee.
Key features:
Installment cards are a new trend in the lending market. And banks are gradually starting to introduce them into their range of products for individuals. The "Conscience" card offered by QIWI bank has enormous advantages. But we are primarily interested in the annual service, which is completely free. In addition, this card can be obtained without proof of income.
You use a credit card, make purchases, and do not pay for the service at all. After the expiration of the five-year validity period of the card - draw up a new one.
Are there any tricks? The question is correct. We answer - no! The bank receives income in the form of a commission from stores where you will make purchases with the Conscience card. Everyone is happy.
Key features:
"Halva" is almost the same as "Conscience". Only this credit card has a slightly higher amount of the limit, within which you can purchase things in installments.
Both cards are very popular among citizens of the Russian Federation. They are leaders in the “installment cards” segment and you do not need to have a positive credit history to apply for them.
Key features:
This financial and credit organization all new customers are given the right to use a credit card for the first year completely free of charge. Starting from the second year, you also have the option of not paying the annual fee. To do this, it is necessary that the annual turnover on the card is not less than 120,000 rubles. Otherwise, you will have to pay the full cost of the service. And this is 2,988 rubles every year (or 249 rubles per month).
The number of banks in our country is steadily growing. Each financial institution is interested in attracting new customers, so the list of offers is becoming more and more impressive. Most banks rely on attractive service conditions at the initial stage of using the product, or for the entire period of cooperation. One of the most popular financial products is the credit card. free period service.
The client is issued a card with a certain credit limit, and there is no annual card maintenance fee. Theoretically, this should minimize the costs incurred when using credit funds. Usually Grace period is one year, further use of the card involves the accrual of a certain amount for service.
Important! The reason for the demand for credit cards with free annual service is to provide a certain interest-free period. For example, you were given a free card with a grace period of 55 days. This means that during this time the owner can use the amount of money provided absolutely free of charge. It is the duration of this period that usually plays a decisive role when choosing a credit card.
Offers for issuing a credit card, provided without an annual service fee, can be found in almost every bank. In general, this is a good option to save money and not overpay for Additional services. However, each specific credit card has a number of features. It is better to study the advantages and disadvantages of offers from different banks in advance, so the chances of obtaining a really profitable credit card will increase significantly.
The main advantages of such loans include the following points:
Usually credit cards with free service have a minimum set of additional options. Most often, such a card is issued as a trial product.. After a set period (1 year), the bank assesses the solvency of the client. Since the payments were made on time, the bank can offer the cardholder more favorable terms on the loan. The list of additional services will be expanded, but at the same time you will have to pay for additional options.
Proposed by the Russian financial institutions the procedure for obtaining a credit card without annual service does not involve a long fuss with documents. A person can apply for a credit card in several ways:
Before choosing the most convenient way design, there are a few important things to keep in mind:
Usually the list of required documents is small - a passport and SNILS are enough. As an additional document, a driver's license, a valid passport, a certificate of income can be used.
If a credit limit on the card is impressive (the standard threshold is 150,000 rubles), the bank may require the provision of an extended package of documents:
The result of the decision to approve or deny the issuance of a credit card takes a different time. If the application was made online, the average waiting time will be half an hour. But sometimes this process is delayed and takes more time - from 1 to 3 working days.
Important! If the application was submitted online on the bank's website, instant approval does not always mean guaranteed receipt of the card in hand. For example, if the bank has doubts about the authenticity of the documents provided, then the client will be denied approval of the application.
Before you start filling out an application, you need to consider several important criteria. Contrary to popular belief, the absence of a service fee is not a decisive criterion. Much more important points are:
When issuing a card in any possible way, it is imperative to study all the documents attached to the card - an agreement on banking service, general (or individual) conditions for the provision of borrowed funds, payment crediting, other tariffs. Often, when servicing a credit card seems to be free, the bank charges additional fees - for example, if the amount debited from the card for the period is less than the established one, the service fee will be charged.
Particular attention should be paid to the declared validity period of the financial product. The contract usually specifies a clause according to which the period of preferential service of the card is limited (usually 1 year). When this period ends, the annual fee for using the credit card will be deducted from the account. Since the amount in this case can be significant, it is better to find out about such nuances in advance. Do not be shy to ask questions to a bank employee, if you fill out an application on the website yourself, you can use the online chat or call the call center operator.
Among all the variety of offers, it can be quite difficult to choose best option credit card without annual maintenance. The table below clearly shows credit card offers without annual service in Moscow. Given all the parameters from the list, you can easily compare the rules for granting a loan and choose the most suitable credit card.
| Bank and card name | Loan limit | Interest rate | Green period | Cashback size | Solution | Design | "Credit Card" by Touch Bank | Up to 1,000,000 rubles | From 14.9% | Up to 60 days | From 1 to 3% depending on the purchase category | Average 5 minutes | "Platinum" from Tinkoff Bank  | Up to 300,000 rubles | Up to 29.9% | 55 days | 1 to 30% | On average 5-7 minutes | "Halva" from Sovcombank  | Up to 350,000 rubles | From 10% | Up to 12 months | 1, 5% | About 5 minutes | "Credit card" from Raiffeisen Bank  | Up to 600,000 rubles | From 24.9% | Up to 50 days | Up to 7% | Average 2 days | "Credit card" from VTB Bank of Moscow  | Up to 350,000 rubles | From 23.9% | Up to 50 days | Up to 5% | About 15 minutes | "Credit Card" from Renaissance Credit  | Up to 200,000 rubles | From 24.9% | Up to 55 days | Up to 100% | Average 60 minutes | "No cost" from Alfa Bank  | Up to 300,000 rubles | From 23.99% | Up to 60 days | Not provided | About 2-3 minutes |
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As you can see from the table, conditions in different banks can have significant differences. Having carefully studied the lists of the above offers, you can choose the best card for your specific purposes. If the combination of parameters is chosen correctly, the cardholder has a real opportunity to save some amount of money.
Undoubtedly, the choice of a card depends entirely on the goals of each particular borrower. If we take into account the period of preferential use of borrowed funds, the maximum possible amount available and the availability of cashback, then three of the presented cards can be seen with optimal conditions - Platinum from Tinkoff, credit from Renaissance Bank, Halva from Sovcombank. Why are these credit cards so attractive? Let's take a closer look at the benefits of each of them.
The financial product of Tinkoff Bank was recognized as the most popular among Russians in 2017. Such popularity is largely due to the ease of obtaining - the approval rate is close to 95%, certificates from the place of work confirming income are not needed. In addition, there are several other undoubted advantages:
Registration and approval of the application takes place via the Internet. The card is delivered by a courier to the specified address.
Renaissance Bank is actively developing the direction of Internet banking, the conditions for providing financial products are simple and understandable. This credit card is perfect for those who want to have a reserve of funds in case of unexpected expenses. The conditions are quite attractive:
The offer from Renaissance Bank is rapidly gaining popularity among Russians, reviews on the Internet speak of the bank's honest policy towards customers.
Anyone can get such a convenient payment instrument as a debit card. But if you make a choice, then only among the best debit cards with free maintenance in 2019.
Favorable debit cards of banks without annual maintenance are not uncommon today. This mainly applies to simple payment instruments. Most of the cards are unnamed and belong to Visa systems(Electron) and MasterCard (Maestro). Free release and maintenance is also found in plastic Visa Classic, MasterCard Standard, but they are free most often under certain conditions:
The procedure for issuing a card is simple - just bring your passport and fill out a questionnaire. A debit card can also be received as a gift when opening a deposit or applying for a loan, they are often privileged. When planning to get a debit card, you should clearly define what it is for, and you should also find out:
To the best free debit cards can be attributed:
For pensioners, the bank offers Sberbank-Maestro. The plastic is protected by an electronic chip. Issue and annual maintenance are free of charge, but in case of loss or change of surname, you will have to pay 30 rubles for reissue. The account is opened in rubles for a period of 3 years. In addition to free service, there are other benefits:
To receive a free debit card, a customer must meet the following requirements:
Frequency of accrual of interest on the balance - 3 months. The countdown starts from the opening card account.
Commercial "Russian mortgage bank"offers free VISA Platinum and Gold MasterCard accumulative cards. This is a debit card with no service charge provided (it is enough that one is fulfilled):
The characteristics of both are identical:
Calculation of interest at a rate of maximum size begins after the end of the first billing period and the onset of the second. The calculation is based on the date of issue and activation of the card. A prerequisite is the presence of operations for paying for services, goods, replenishment of a special card account during this period.
Universal debit card with free annual maintenance and zero issue fee CARD PLUS has the following features:
Noteworthy is the debit card of VTB Bank of Moscow without a monthly fee "Super3" with the application "Troika" to it. The annual maintenance of the main and additional cards is free of charge if at least one of the following 2 conditions is met:
The first month is free of charge. In case of non-compliance with the mandatory conditions, starting from the second month, a commission of 99 rubles is charged. for the main product and 69 rubles. for extra.
The following benefits are available to the Super3 holder:
The bank counts Cashback until the 10th day of each month. After receiving an SMS notification of accrual, it can be used for trips:
The Troika app is not linked to the Super3 card account. To use it, you need to write down a ticket on it, which is present in the tariff menu. Buying a metro ticket with Cashback is not available.
All the features of a regular debit bank card are available to this MasterCard Standard Unembossed, designed for crediting social benefits and pensions. The issue and maintenance of a non-personalized VTB Bank of Moscow card is free. Characteristics:
A convenient payment tool for those who travel a lot is a debit card from the most reliable Russian bank, on Forbes versions in 2016, Citibank. It becomes free provided that the average monthly balance is maintained in the amount of from 400 thousand rubles. or currency equivalent. annual rate for the balance of funds - up to 8% . The main advantage is that you can open a card account in a bank in any currency:
The following privileges are available to the owner:
If the established average monthly balance for the calendar month preceding the settlement month is violated downward, the bank will charge a service fee in the amount of 250 r. When calculating the average monthly balance, they take the balances at the beginning of each day of the month for all accounts of the cardholder. They are added up, and the sum is divided by the number of calendar days in the month.
You can apply for a profitable debit card of the Gold category in order to receive a high interest on the balance at Loco-Bank. Currency - rubles, dollars, euros. With a remainder from 20 thousand rubles annual interest from 4 to 8.5%. For balance in dollars from 500 c.u. interest is charged from 0.75 to 1.5, and from 400 € - 0.75-1%.
In order to receive such rates, you need to fulfill 2 conditions:
There are certain conditions for obtaining minimum interest rates. There are 3 of them, the first two are the same as for receiving maximum bid, and the implementation of the third allows the calculation of interest when the daily balance exceeds 5 million rubles, 50 thousand dollars and 40 thousand euros. It is enough to fulfill one of these three conditions. If none is completed, no interest is charged. Annual maintenance of both the main and additional cards is carried out without commissions.
There is a monthly limit for cash withdrawals:
"Card No. 1" - a debit card with a very favorable conditions. When issuing a main debit card without a service fee, you will have to pay 150 rubles, but the subscription fee for a calendar month is not charged in the following cases:
When listed in reporting period wages, the purpose of the payment should contain the word “wp”, “salary”, “earnings”, “s/n”, etc. When credited to the holder's account cash received from any Pension Fund, then the purpose of the payment must contain the corresponding word - “pension”, “content”.
For balance up to 500 000 r. interest is charged at the rate 7% , and the remaining amount more 500 000 rubles - 2% . The client can issue an additional card - Children's - free of charge. Connect to the main one for free mobile bank, Internet bank. For cash withdrawals PJSC ATMs CB "Vostochny" commission is 0% .
Debit cards without annual service "Key" MasterCard and premium card "Cosmos" VISA can be issued at any branch of Home Credit Bank. Characteristics of the first:
Sberbank covers all areas financial services that are needed Russian citizens However, bank cards of various types and purposes have gained the greatest popularity. When contacting a bank, it is important to find out about the conditions for issuing, servicing and the possibilities of a plastic product being produced. Sberbank cards without a service fee will save the client's money by providing the entire range of basic services to the largest financial institution.
Currently, the bank issues a wide variety of cards designed to use its own or borrowed funds, with the ability to use bonus programs and privileges, or to make quick settlements, transfers, and payments.
Before signing an application for the issuance of a particular card, it is recommended that you carefully study the current proposals regarding the emission of plastic.
A variety of types of fees for the use of services and annual maintenance can be included in the expenses of bank customers.
When determining the annual fee, consideration should be given to the following factors:
The higher the status of the product, the higher the service charge is general rule credit institution. However, the issue of plastic with gold status is far from always accompanied by the appointment of an increased tariff - the bank will consider the situation with a specific issue for a particular client in individually. In addition to the annual service fee, the plastic holder can expect other expense items:
Among the whole variety of cards, there are several categories issued under various conditions.
The main types of cards include credit and debit cards, of which the free cards "Visa" and "MIR" gained the most popularity. However, there are additional sub-categories within which there are also differences in annual service fees:
If the use of a credit card does not require payment for a banking service, then when issuing a debit plastic, you should be careful: most of the unnamed products through the payment systems Visa, Visa Electron, Mastercard Maestro are serviced free of charge. When issuing Visa Classic or Mastercard Standard, the tariff is not applied only when financial transactions within a certain amount or when making a deposit.
Sberbank allows its depositors to use debit plastic for free if it was received as a bonus for a deposit or loan.
If the client is going to use a debit product, it is necessary to find out in advance about its beneficial benefits and possible expenses. Before signing the application for release, the client is advised to ask the department specialist the following questions:
It is worth starting registration only after all the questions of interest have been clarified and there are no doubts about the need for the issue.
Currently, there are many offers from Russian banks that provide the most comfortable conditions for working with a card. The Sberbank Maestro pension card is one of the leaders among the most convenient and advantageous offers for debit products.
This product has practically no competitors - neither in terms of convenience, nor in terms of profit. Plastic is issued by Sberbank in connection with the Maestro payment system and has many advantages:
One desire to become a holder of a free plastic product will not be enough. It is necessary to comply minimum requirements presented by the issuer to its customers:
To improve service in the field of lending, cards with borrowed funds are called upon. Among the various types of credit cards, it is worth noting plastic products such as Gold and instant:
Thus, when deciding which card to receive, the client must clearly understand what expenses, income, benefits are expected when starting to use the plastic product. A competent choice of the type of plastic will allow you to optimally use Banking services without paying fees for additional services.
Every day, the number of people who find themselves in situations where they urgently need money is growing. This is where a credit card can help. Therefore, now many are trying to have a credit card as a spare wallet, as a kind of "financial pillow". But not everyone is psychologically ready to pay for the service of such a credit card. In this case, issuing a free credit card is ideal.
In this article, you will find out where you can open a credit card with a free annual service, what free conditions apply to the card, how you can get it, and what you need for this.
In conditions of fierce competition, when banks are forced to fight for each client in the segment of bank credit cards, you can more and more often find credit cards without an annual service fee, i.e. these cards are absolutely free for customers. Naturally, many people immediately have a thought in their heads - what is the catch and are there any pitfalls. And these thoughts, sometimes, do not arise in vain.
When applying for a free credit card, you should adhere to the following rules:
But still, most banks are now trying to create clear and transparent conditions for cards. It is not profitable for banks to lose a client or receive negative feedback when the client has not been using the card for a long time. Especially if the bank issued this card for free. In this case, the bank is counting on long-term cooperation.
As a rule, you can get a credit card with free (zero) annual service in the following cases:
So let's look at credit cards with no annual fees that won't cost you a dime. Below are the TOP 5 best credit cards with transparent and understandable free conditions in 2019. We recommend that you familiarize yourself with each card and leave an online application via the Internet.
AT Last year A unique type of credit cards is gaining particular popularity - cards for purchasing goods in installments up to 12 months. That is, the grace period for such cards reaches one year. The only caveat is that you need to make purchases only from card partners.
The most profitable (free) credit card for installments in Russia is the Conscience card from Qiwi Bank. A card with a credit limit of up to 300 thousand rubles is issued and serviced absolutely free of charge!
To get a card, just leave an online application and the card will be delivered directly to your home. More detailed description cards, its advantages and disadvantages can be found in a separate review.
P / S Also pay attention to another interest-free installment card - the Halva card from Sovcombank. As well as "Conscience" it is completely free and available for registration. To get it, you only need a passport.
One of the client-oriented banks in Russia, Raiffeisenbank offers a credit card with a grace period of up to 110 days. The card will be without annual maintenance if you spend at least 8 thousand rubles a month on it, which is now as easy as shelling pears. If you spend less than this amount, then a commission of 150 rubles will be withheld for a month. In principle, it’s also a little for a card on which it is possible to use the bank’s money for free for as long as 110 days.
You can order this card by filling out a form on the bank's website and receiving a preliminary decision within 15 minutes. If you do not receive a salary at Raiffeisenbank, then from the documents you will need a passport, driver's license, SNILS or TIN, as well as a document confirming income (personal income tax or in the form of a bank). Income must be at least 25 thousand.
is a free virtual credit card. A feature of the card is that it is issued without a plastic carrier. That is, it is only virtual card, without the possibility of releasing plastic.
The card is ideal for those who need a free credit card for online purchases. It is intended primarily for payment in online stores.
Other features of the card:
To become a cardholder, it is enough to leave an application on the card website and, in case of a positive decision, receive the card details directly to your phone. Thus, you can get a card without an annual service without a visit to the bank and without references.
The disadvantage of the card is the limited use only on the Internet and an increased credit rate. But almost everyone can get a card without refusal, including people with a bad credit history, as well as those who do not have it at all. Also ideal for fixing your credit history for free.
Over the past few years, credit cards with cashback have been gaining popularity in Russia, which are used for daily purchases as payment card. From this point of view, a very interesting card today is the Credit Europe Bank card - CARD CREDIT PLUS. The peculiarity of the card is that with any purchase you get 1% cashback, in 4 categories of increased cashback - 5%. Moreover, the categories are quite interesting - cafes and restaurants; the beauty; clothing and footwear; entertainment. Close your Sberbank credit card, where the cashback is 0.5 percent, which you pay today and start using Credit Card Plus, for which the cashback is 10 times more!
The main advantages of the card:
In Renaissance Credit, anyone can open a credit card with free issue and maintenance for the entire period.
By MasterCard World from Renaissance Credit provides a revolving credit limit of up to 150 thousand rubles, a grace period of up to 55 days and bonus program, providing cashback for card purchases up to 10%.
Employed people can apply for a card, individual entrepreneurs as well as pensioners. From the required documents, you will need to collect the minimum set: passport + second document (water certificate, international passport, personal bank card of another bank or diploma of education).
To get a card in Renaissance Credit, you need to leave an application on the bank's website by filling out a short questionnaire. The decision on the application will be made within 15-30 minutes, according to the results of which you will receive an SMS and a call from a bank specialist who will write you to one of the bank's offices to receive plastic.
Where can I get a free credit card? Everyone can answer this question on their own by carefully reading and familiarizing themselves with the list of credit cards that are described in this review article. It is recommended to leave an application for a card online via the Internet and immediately receive a decision. First of all, try to get free cards at Alfa-Bank and Raiffeisenbank and of course unique card"Conscience" or "Halva".
