Hello everyone, the topic of today's article is "The most profitable credit cards."
A credit card is a well-known way to improve your financial condition. Its main advantage is ease of obtaining: for this, in many banks only a passport is required, and more than two documents are asked in single financial institutions.
"cheap credit cards"?Many readers of this blog at least once in their lives have resorted to obtaining a credit card to solve financial problems. In most cases, difficulties, of course, were resolved, but a person is arranged in such a way that he constantly wants more.
At some point, bank customers stopped accepting "regular" credit cards: they became more interested in cards with cashback, a grace period, free service, and many other useful options.
Banks made a little fuss and introduced credit cards into their product range that meet the new needs of users. There were also bonuses for purchases, and free service, and instant issuance, and in some places - even cash withdrawals without commission (or with minimal fees). It is about those credit cards that combine all the existing bonuses from the bank that I want to talk about today.
Should you replace your credit card?
It is quite possible that after reading the article you will have a question: which credit card is more profitable - the one that you have now, or some kind of profitable "credit card" from today's review? Of course, there is no need to draw hasty conclusions, but it is worth considering: if you received your card several years ago, then the issue of switching should definitely be considered.
The fact is that the conditions for loan cards issued several years ago and for products that are offered today differ dramatically. You can verify this by reading the TOP offers for "credit cards" from the largest Russian banks, which I have prepared especially for you. So let's go.
5 main criteria for the benefit of a credit card
Of course, before considering the most advantageous banking offers, it is worth understanding - what is the benefit formed by? What criteria should be guided by in order to choose the really worthwhile product? I have tried to highlight six of the most important parameters, primarily taken into account by potential holders of the most profitable credit cards.
No. 1. Loan rate
The main parameter, looking at which, some users banking services complete their study of the product - credit rate. It depends on its value how much the bank will eventually have to pay to repay the loan.
Simple example:
You took a loan for 50 thousand rubles and you can allocate 10 thousand rubles a month to repay it. If the rate on your "credit card" is equal to 26% (for credit cards - a small amount), then the payments will stretch for 6 months, and in total you will have to pay 53,517 rubles. If you manage to get a card with a rate of 39%, then under the same conditions you will have to pay almost 2,000 rubles more - 55,486 rubles.
That is why when choosing an offer, first of all, you need to focus on the rate - if it is high, and the associated costs on the card are low, then the savings can be completely “eaten up”.
No. 2. Grace period
The next factor, which is almost as important as the loan rate, is Grace period(It is also called the "grace period").
What is meant by this term? Everything is quite simple: while the grace period is going on, the bank does not charge interest on the loan. Simply put, if you borrowed 50 thousand rubles and managed to repay it before the grace period expired, then you will pay exactly 50 thousand rubles and not a penny more.
Since many banks today offer products with fairly long grace periods (2-3 months each), many cardholders focus not on the interest rate, but on how long this very grace period lasts.
Indeed, even if the rate is exorbitant, but if you can use the funds for free for several months, what does it matter? But keep in mind: each bank calculates the length of the grace period in its own way (I talked about all the nuances in a separate article: ""). Due to one small feature, the time until you can use the bank's money without interest may not be 55-60 days, but 2-3 times less.
No. 3. Service fee
The next parameter to pay attention to when deciding which credit card more profitable to take - the cost of service.
It can differ significantly for different cards: some banks do not charge money for this at all, I wrote about them, some take a little (500-600 rubles per year), some raise the bar very high (up to several thousand rubles annually) .
However, even when you see a profitable "credit card" with a frightening cost of banking services, you should not be scared: it is quite possible that, under certain conditions, it will be free. The conditions may include, for example, the amount of purchases on the card, the money stored on it, and others. As a rule, it is not difficult to fulfill them (if you use "plastic" as the main one).
No. 4. CashBack size
Banks are forced to constantly improve their offers to make them attractive. One of the popular measures is CashBack (return to the buyer of a small part of the purchase).
The sizes of "bonuses for purchase" are the largest for "credit cards" (which is not surprising, given the fact that credit cards are most often intended for purchases). It is impossible to describe CashBack conditions for different cards of different banks at once: they differ too much in size, stores where you can get CashBack, and other parameters.
The only thing that can be noted is the benefit of special narrowly thematic offers. Some banks have cards with cashback bonuses (very decent) not from several sellers, but only from one (large). If you often make purchases from him, then it is definitely worth taking a closer look at the product.
With a list of the best cashback cards, can be found in this article: "".
No. 5. Cash withdrawal fee
In general, credit cards are not intended for cash withdrawals (banks assume that customers will use them for purchases and payment for services), but this option, of course, is provided (albeit with, as a rule, high interest).
However, there is still a demand for an inexpensive service for withdrawing "paper" money from "credit cards", and that is why cards designed specifically for this are in the range of offers of some banks.
TOP 7 most profitable credit cards
We talked about the main criteria. So, nothing prevents us from moving on to solving an urgent question: where and what kind of credit card is more profitable to get?
And a review of the 7 most advantageous offers from large Russian banks will help us in this. Let's start with a comparative table:
Card No. 1. "Tinkoff Platinum" from Tinkoff-Bank
According to the official website of the first (and largest) bank in Russia operating entirely via the Internet, 4 million people in our country already use the Tinkoff Platinum card today. Well, considering what favorable conditions of use are offered for it, this does not look fantastic.
Let's move on to the specifics - the terms of service are presented in the list below:
- grace period - 55 days
- rate - 20-30% per annum (for cash withdrawals - 33-50%)
- cashback - 1% for any purchases, for "favorite" purchases a bonus from 3% to 30%
- maintenance - 590 rubles annually
- delivery - free of charge (by courier to a place convenient for the recipient)
- free replenishment at ATMs of partner banks.
The Tinkoff Platinum card does not have any specific advantages - after spending a few hours, you can find offers with large credit limits, rates that are lower than the Tinkoff product, with a long grace period. But why is the card popular? There are two main reasons for this:
- courier delivery (today this service is provided by many banks, but it was Tinkoff who was the first to develop this direction and managed to ensure that customers did not visit offices when receiving a "credit card" - this was appreciated)
- complexity (there are no obvious advantages, but everything is balanced - the card has no serious shortcomings, in fact).
Contributed to a sharp increase in the number of people using the card from Tinkoff-Bank, and the service of repayment of other loans. The bottom line is this: Tinkoff repays a client's loan at another bank with its own funds and then receives its money back on much more favorable terms for the cardholder. If you successfully use this option, you can save several tens of thousands of rubles.
A small summary: if the balance of all card parameters is important to you, and you value your time, "plastic" from Tinkoff-Bank - Best offer For you. After receiving the card, you will join the club of 4 million happy Tinkoff clients and will use the bank's money on very attractive terms.
Card number 2. "Visa Classic 100 days without%" from Alfa-Bank
The advantage of the next card that I want to talk about is clear from the name - Alfa-Bank plans to attract customers with a long grace period.
The institution offers cardholders the following conditions:
- credit limit - up to 300 thousand rubles
- grace period - 100 days
- rate - from 23.99% per annum
- maintenance - from 1,190 rubles per year
- minimum payment - 5% (minimum - 320 rubles)
- cash withdrawal fee - 0% up to 50,000, then up to 5.9%
Of course, the rest of the service conditions are worse than those of the same Tinkoff Platinum card. But Alfa-Bank does not take this: what's the difference, what is the rate, if you can have time to pay off the entire debt during the grace period and immediately start the countdown of a new one? Yes, and spending 1000 rubles per year on maintenance (less than 100 rubles per month) is also not a problem. Only the commission for cash withdrawals is embarrassing, but it is high for almost all "credit cards" - if you plan to use "paper" money, it is better to have a card specially designed for this.
« Visa Classic 100 days without%" is an excellent choice if you plan to repay your debts on time. It is convenient to do this: the whole process fits into a few clicks in Alfa-Click and takes a couple of minutes. The application itself suggests how much you need to pay and how many days are left until the end of the interest-free period.
Another useful “option” of the card is free replenishment from accounts opened with other banks. It is very convenient if you use a “credit card” not as a main card: you do not need to pay any commissions or go to ATMs, withdrawing money from one card and depositing it to another.
If in a credit card the most important condition for you is a long grace period, I recommend that you carefully look at the offer of Alfa-Bank - perhaps it is the most profitable for you. Well, I'm moving on to the next great credit cards.
Maps № 3−4. " Halva from Sovcombank and Conscience from Qiwi
Installment card - a new word in lending. How are they different from regular credit cards?
Using an installment card, you will be able to "shift" the payment of interest on the store to the bank. That is, you just come to the store, choose a product, pay, and nothing is debited from you when buying, and you pay the required amount (equal to the purchase price) in a month, two months or another period. The store itself pays the interest to the bank when using the installment card.
Of course, you can use such a card without paying interest only at certain sellers. They are included in the list of partners of the bank issuing the card, and are described in detail on the official website of the issuer.
Today, two installment cards are available in Russia - these are Halva from Sovcombank and Conscience from Qiwi. The conditions for them differ: different lists of partners, different credit limits (Conscience has 300 thousand rubles, Halva has 350 thousand rubles), the ability to withdraw cash (Conscience does not have and Halva has).
What unites the cards is that their service in both cases is completely free. Also, you do not need to pay money for using the Mobile Bank and repaying the debt (regardless of when it was done - before the expiration of the preferential payment period or after it ends).
In general, both "Conscience" and "Halva" made a real revolution in Russian market credit cards. People realized that it is not at all necessary to pay interest on purchases themselves - this may well be done by a store. You can read more about the conditions and features of each of the cards in separate articles ("", ""), well, I'll move on to the next review.
Card number 5. "Matryoshka" from VTB 24
Which bank is best to get a credit card? Of course, in a large and state! Confirming this thesis, VTB 24 recently issued a Matryoshka card, one of the most profitable credit cards on the Russian market today.
The terms of service are listed below:
- credit limit - up to 350 thousand rubles
- loan rate - from 24.9% per annum
- cashback - 3% for any purchases
- maintenance cost - free of charge (the first year, then - free of charge with a turnover of 10 thousand rubles per month or more)
- grace period - up to 50 days
- repayment of debts from accounts in other banks without commission.
Without a doubt, the card is great. Clients who manage to get such a card receive not only a loan for enough favorable conditions(25% - far from the most high rate), but also very large (in this component, Matryoshka outperforms all its competitors).
If you plan to frequently make purchases using a credit card, you should definitely take a closer look at Matryoshka - the card will not only not cause unnecessary overpayments (if you fit into the grace period and spend 10 thousand rubles), but also generate income through cashback .
True, there is a nuance that must be taken into account when using the card, we are talking about a lengthy registration procedure.
If other "credit cards" can be received in less than a day, then "Matryoshka" will have to wait almost two weeks. The procedure is as follows:
- filling out an online application and submitting it for consideration
- study of the application by specialists (3 working days)
- collecting documents, visiting the office
- receipt of the final decision (7 working days after visiting the office)
- going to the branch, getting a card.
For a long time? Yes. Troublesome? Yes. Really? Yes, too - if you provide all the necessary documents (and you need papers confirming income - for example, a 2-NDFL certificate) and get ready to wait, then the card will definitely become yours. Well, and the benefits of its use will pay for all your exhausting procedures many times over.
Card number 6. Credit card from Renaissance Bank
Which banks offer the best credit cards? A lot of people are surely mentioned in their answers to "Renaissance-Bank". They will do it not in vain: the bank really has a very interesting offer for credit cards.
It is called very simply - "Credit Card". The conditions are also very simple and clear:
- credit limit - up to 200 thousand rubles
- interest rate - from 24.9% per annum
- grace period - up to 55 days
- service - free of charge
- program "Simple joys" (you can return up to 10% of the purchase price with bonuses, if you accumulate enough money, they can be exchanged for real money)
- cash withdrawal - paid (commission 2.9%, minimum 290 rubles)
- free internet banking
The product is intended primarily for those who need money here and now. The bank is ready to make a card and deliver it to the right branch on the day the application is received. At the same time, there are no special requirements for the borrower: he must provide two documents (one is a passport, the second is any other, even another card will do) and prove that he has an income of at least 8 thousand rubles a month (for Moscow and Moscow Region - 12 thousand ).
What is more profitable consumer credit or credit card? - 7 comparison criteria
But is it worth limiting yourself to credit cards alone? After all, there are other ways to take a loan from the bank. The most popular, of course, are "credit cards" and consumer loans. About what is more profitable and better - read below.
First of all, you need to understand - what is the difference?
Basically, in one : if the loan is issued one-time, then the "credit card" involves the use during the entire period of validity (at the same time, taking a loan and repaying it can be done many times). In addition, if the borrower does not receive any material carrier during the loan, then when issuing a card, the client receives plastic card.
To decide which is more profitable - a credit card or a cash loan, you need to understand what criteria to evaluate. I suggest the following:
- loan rate
- return period
- customer requirements
- loan amount
- payment schedule
- loan servicing costs
- safety.
Consider in order the 7 criteria of profitability.
Criterion No. 1. Loan rate
Here the advantage is on the side of consumer credit. Rates on it are 5-7% lower than on a credit card.
True, there is a nuance here: there is no grace period for a regular loan, while there is one for credit cards. If you have time to repay the debt before the grace period has expired, then the advantage goes to the side of "credit cards" - it turns out that they can be used completely free of charge.
Criterion No. 2. Return period
According to this component, consumer loans are recouped - they are usually issued for several years (and credit card loans must be repaid in 3-4 months).
However, someone needs a loan for a short time, and here the card becomes more profitable.
Criterion number 3. Requirements for the client
It all depends not on the type of loan, but on its amount. Today, for "credit cards" and small consumer loans (up to 100 thousand rubles), banks make identical requirements (two documents, proof of income).
If you want to get a larger loan, you need to provide proof of employment and a certain stable monthly income.
Criterion No. 4. Loan size
On "credit cards" loans are limited by a credit limit, which rarely exceeds 300 thousand rubles.
As for consumer loans, then their amounts can reach several million (and start from several tens of thousands).
Criterion No. 5. Payment Schedule
An ambiguous criterion: if for consumer loans it involves predetermined amounts to be repaid and terms, then for a “credit card” this is controlled by the holder himself.
This can be both good and bad: it all depends on the financial situation of the client and his discipline.
Criterion No. 6. Loan servicing costs
In case of consumer credit they are usually included in payments. With "credit cards" the situation is different: all expenses (for example, servicing the card, commissions for transferring funds) are paid additionally.
Criterion No. 7. Security
Another criterion by which consumer loans win. The risk when using such a loan instrument is associated only with possible robbery on the way to the place of loan repayment.
There are many more dangers when using a “credit card”: money from its account can be stolen (for example, during Internet purchases), “plastic” can be blocked at any time.
In addition, the possibility of falling into a "financial trap" should not be underestimated: for many who have a "credit card", it seems that the money is always with them, as a result of which they are doomed to constant payments to banks.
Summing up this section, I want to say: it is definitely impossible to say what is more profitable - a consumer loan or a credit card. Most likely, the choice will depend on the following criteria:
- Required amount. If it is small (up to 100 thousand rubles), then it is better to use a “credit card” - the return conditions are more loyal to the borrower, and getting a plastic card is easier than a regular loan (albeit not by much). If you need more than half a million, then there is no alternative - only a regular loan remains.
- financial discipline. If you are sure that you will be able to strictly comply with the conditions for a consumer loan, use this tool. In the case when there is no such confidence, it is better to use a "credit card" - sanctions for late payment will be less significant (although it will turn out to take a little money).
- The situation in the economy. Yes, the choice of an instrument for depends not only on you - economic conditions can also affect the choice. If the economy is stable (inflation is low), it is better to use a "credit card". There is a benefit in consumer credit when inflation exceeds 10% per year - the amount of debt will decrease over time.
Conclusion and Conclusions
The best credit cards that were presented in today's review are tools that will not only help you cope with temporary financial difficulties, but also get tangible financial benefits.
Each card has its own competitive advantages, so it is wrong to advise any one of them. Depending on what is most important for you (rate, cashback, grace period or something else), the choice will be different.
When choosing a credit card for yourself, you should not ignore the consumer loans offered by banks. It is quite possible that the conditions for them will be even more favorable than for "credit cards".
What is the best credit card? Reviews - that's what can also help find the answer to this question. Be sure to browse the internet
Today, more than 50% of the population of our country have credit cards. Such popularity is explained by their convenience and favorable terms of provision. With the growing demand, banks offer a huge list of credit cards of various types and types, which are easy to get confused. How to choose the right credit card, and which credit cards are the best in 2020, will be discussed in the article.
Due to the great competition, banks are trying to lure customers by offering to issue a credit card on super favorable terms. However, before you agree and use this product, you should learn about it as much as possible. detailed information and get acquainted with the offers of various banks.
A credit card and a consumer loan are two completely different products. Here are their main differences:
Interest on credit cards is usually quite high. On average, in the region of 20-30% per annum. Therefore, the ideal option would be to pay off the debt during the grace period. For late and non-payment of credit card payments, interest and penalties are provided, which are prescribed in the loan agreement.
Before choosing a credit card, you should pay attention to the main terms of the contract. First of all, this is the duration of the grace period. The larger it is, the more profitable it is to use the card. If your goal is to use credit money in short term, then the grace period is the main criterion for choosing a credit card. Now some banks offer cards with a grace period of up to 120 days, which means that you can manage money without interest for 4 months.
Another important indicator that you should pay attention to before choosing a credit card is the cost. annual service. Some banks conduct special promotions, offering the first year not to pay for card maintenance. At the same time, other conditions may be less favorable, since the bank does not want to remain at a loss. There are also reverse cases. For example, a bank offers a long grace period and low interest, and the cost of servicing the card is overstated. That is why this indicator must be evaluated in conjunction with all other conditions. loan agreement.
The next indicator is the credit limit. Usually its size ranges from 200 thousand to 1 million rubles. The importance of this criterion depends on how much you need. If you plan to use small amounts, the credit limit can be ignored altogether. If you need a substantial amount, choose a card with the highest possible credit limit.
The interest rate is one of the most important criteria that must be evaluated before choosing a credit card. The amount of the overpayment, and hence the profitability of using the card, depends on it. You can ignore the interest rate only if you plan to pay off the debt during the grace period. However, this does not always work out, so it is better to play it safe and choose a credit card with a low interest rate.
A profitable credit card makes it possible to receive back the amount of interest on purchases. The percentage of cashback and the list of stores and establishments where it is credited is a very important criterion when choosing a credit card. However, you need to be careful when calculating how profitable the cashback system is. After all, partner stores can inflate their prices, and expensive card service and a large percentage on a loan can cover the percentage of return.
Thus, before choosing a credit card, it will be right to determine for yourself the most important criteria, depending on the purpose of using the card. Then it is worth considering the offers of various banks, based on the most significant indicators for themselves.
Today, you can get a credit card in almost any credit institution. Moreover, in one bank you can find several types of credit cards with different conditions of use. It is very difficult to make a choice in favor of any one bank or credit card, since it is impossible to calculate all the needs of customers and the nuances that affect the decision.
According to statistics and user opinion, the best credit cards in 2020 are:
A credit card is simple and convenient. It can be used to pay almost everywhere, and the conditions for using borrowed funds are beneficial for the client. Before choosing a credit card of one or another bank, it is worth considering the offers of several institutions and deciding in favor of the most beneficial product for yourself.
August 2019
The popularity of such a banking product as a credit card is growing rapidly every year. The terms of 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, create more and more diverse and attractive loan products. In this article, you can find out which banks present the most profitable credit cards to their customers in 2020, as well as find out their main features.
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 advantageous offer.
When evaluating a particular credit card, you should consider and compare the following characteristics:
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 TOP-6 financial institutions With the best conditions by credit cards. From this list, you can choose the most suitable and profitable credit card, based on your needs.
Most high percent approval!
This card is one of the most profitable for cash withdrawals through ATMs. You can withdraw up to 50 thousand rubles a 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 be up to 100 days. Interest on the loan starts at 11.99%. Maximum value credit funds is 500 thousand rubles (for the standard version of the card). Minimum monthly payment equal to 3% 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 now cost from 1,490 rubles. The price of SMS informing services is 59 rubles per month, starting from the 2nd month of use.
To obtain the desired product, you can fill out online application to a credit card through the appropriate form on the bank's website. You can get an answer within 2 minutes and go to the nearest branch for a card.
Issue a card
The main advantages of this credit card are a large credit limit and a grace period. Maximum size credit funds can amount to 1 million rubles, and the length of the grace period is 120 days (applies exclusively to card payments), which is a pretty good result.
The fee for issuing a card is 0 rubles, and the monthly maintenance cost is 99 rubles (you won’t have to pay if the credit card turnover exceeds 15 thousand rubles per month). The mandatory monthly payment is set at 5% of the principal amount. The minimum interest rate is 25.9% per year. The commission for receiving credit cash through any ATM is 4.9% plus 290 rubles.
The SMS informing service will cost 60 rubles per month (the first month the option is free). You can apply for a credit card on the bank's website. It will take no more than 5 minutes to review it.
Issue a card
Until April 30, 2020, the "Cash without commission" promotion is carried out on the card. If you issue a card before the specified period, then for the first 2 months it will be possible to withdraw cash through ATMs of Raiffeisenbank and partners without paying a commission.
The credit limit on the card is quite large - up to 600 thousand rubles. The interest-free period is 110 days (does not apply to cash withdrawals). The interest rate, if the payment of the debt is not received during the grace period, starts from 29% for non-cash transactions, 49% per annum - for other transactions.
The monthly cost for servicing plastic is 150 rubles (however, if you spend more than 8 thousand rubles a month on the card at the expense of credit funds, the fee is canceled). For using the service of notification of transactions via SMS, you will have to pay 60 rubles per month (starting from the 3rd month of use). The minimum monthly payment is up to 5% of the debt.
Attention, action! Those who issue a card using the link below before 03/31/2020 will receive a completely free service for the entire validity period of the card.
Issue a card
This product is rapidly gaining popularity in the field of credit cards. This is not without reason, because the conditions for this credit card are very tempting, besides, there is a cashback program (5% return for purchases in special categories, up to 25% for purchases from partners, 1% for other purchases).
The interest-free period has a time frame of 111 days (valid only for non-cash payment by card), and the upper limit of the amount of credit funds is 299,999 rubles. The interest rate here starts from 11.9% (the maximum is 25.9% per annum). The minimum monthly payment is 5% of the outstanding amount.
For the issuance of credit cash through a bank terminal, the commission will be 3.9% plus 350 rubles, both through MTS ATMs and through devices of third-party financial institutions. SMS notifications about transactions will cost only 15 rubles per month (the first two months do not need to be paid).
Other factors in favor of this loan product- You can apply for a card from the age of 20 without proof of income. Monthly maintenance of the card is free. You can place an order via the Internet - the application will be considered instantly and the credit card will be delivered to the required address (you can also pick up the card yourself at the bank office or MTS salon). The one-time payment for the release of plastic is 299 rubles.
Issue a card
The main feature of this card is the daily fixed amount of payment in case of debt on the card, which is 30 or 50 rubles (depending on the credit limit) - this model is ideal for short-term loans. Grace period - up to 1,850 days.
Other characteristics of plastic:
To get a card, you need to submit an online application. The decision will be made within half an hour, after which you can pick up a credit card at any convenient branch.
Issue a card
Another card with a very long interest-free period, which applies exclusively to non-cash purchases.
The main characteristics of the credit card are as follows:
You can order a card via the Internet on the official website of Otkritie Bank.
They are now available to almost everyone. You can even apply online without leaving your home. But ordinary classic cards not so popular anymore. Users prefer to use those that allow them to save and receive additional bonuses.
Cards with a grace period are especially popular and in demand. In this case, the borrower has a certain time to fill the limit without any overpayments. Each bank may provide its own period of time for this - you should pay attention to this immediately upon registration, since it will not be possible to change this parameter at all. Even if the limit is changed, such parameters cannot be changed.
Also, if the card is needed to withdraw cash, you should take into account the commission for this operation. Usually, banks charge a fairly large fee for this, but you can choose an option with lower interest rates.
Recently, cards that allow you to receive additional discounts when calculating. This implies that for certain types of payments it is possible to receive funds to a bonus account, and then also spend them at specific points of sale and companies. Bonus system or cashback is now offered by many banks, but not everywhere is too actively developed. Therefore, it is better to pay attention to this right away, since the cards can be thematic - for travel, for shopping on the Internet or for entertainment. It directly depends on where exactly it will be possible to spend bonuses.
For those who choose which bank will have the best credit card, the rating is ideal - the best current offers of 2020:
The most common offers with a credit limit in the range of 200,000 - 500,000 rubles. Larger amounts are available on higher status products. To receive such a credit card, you will need to prove your employment and financial solvency.
Interest rates start at 20%. There are also offers with a lower cost of credit. If the price of borrowed funds is lower than the specified value, then you need to carefully study the tariffs for transactions, late fees, and so on.
When cashing out, the rate will definitely be higher than the price of borrowed money used for cashless payments.
The interest-free period is the period when it is allowed to use borrowed money for free. Often it is equal to 50-60 days. It is important to clarify exactly how it is counted, from what date: the grace period is not always counted from the moment the purchase was made.
Service fee is charged monthly or once a year. The higher the class of the product, the more privileges it will give, but the more expensive it will be.
Budget - unnamed, without a chip - options are often offered either at a minimum cost of service, or even with zero commission.
Cashback is a percentage of the purchase price returned to the cardholder. The most common cashback is 0.5-1%.
Some issuers give a higher percentage (up to 5-7%) for spending made in certain categories.
Increased bonuses can be provided by friends of the bank. The higher the status of the card, the more profitable cashback will be received by its holder.
The main problem with cashback is its currency. If bonuses are credited to the account in the form national currency, they can be spent like regular money. It is important to initially specify the conversion rate.
If the premium is accumulated in the form of bonuses, then they will be able to pay off only when buying from friends of the bank. For customers living in the regions, it is easiest to use such points when making online purchases, since there may not be real partner stores nearby.
Cashback is not credited for all transactions. Most issuers do not give bonuses when transferring to their own accounts or the accounts of other citizens, when received on personal money, when calculating for:
Bonus programs often do not apply to purchases made in installments.
When withdrawing cash, it is worth specifying the amount of the commission, taking into account the funds used to make the operation: personal or credit limit.
It must be remembered that transfers to accounts individuals, including their debit accounts, is equated to a cash-out transaction.
When withdrawing cash, most often:
Payments for other services is a fundamental point when choosing a credit card. Pay special attention to fees for:
Such fees are set both as a percentage and as a fixed amount.
A low interest rate is not a guarantee that a credit card is issued on really favorable terms.
It is necessary to find out in advance what sanctions are fraught with delays. The most common consequences:
A one-time missed payment deadline can lead to a loss of 500 rubles.
It is necessary to assess the presence of issuer's self-service devices in the region, their location.
This is important because working with devices third parties will cost more than accessing the resources of the card issuer.
Some banks enter into partnership agreements with outlets. Thanks to this, you can use discounts of up to 30% when paying with credit cards of a particular issuer.
Advantages:
The grace period for amounts used to repay loans in other financial and credit institutions is equal to 120 days.
Problems:
Platinum MasterCard from Russian Standard is a cashback instrument.
Terms of use:
Requirements:
Advantages:
Cash withdrawal is free of charge at all ATMs in the world.
Problems:
In QIWI-bank they take a credit card "Conscience".
Terms of use:
Advantages:
Problems:
Halva MasterCard is an installment card offered by Sovcombank.
Requirements:
Advantages:
The standard installment is given on 1-3 months. Under special offers, this period can be extended up to 36 months.
Problems:
If in a month to make 5 purchases for more than 5 000 rubles, then the cashback will become even more profitable, and the deposit rates at Sovcombank will increase by 1% .
Cashback from the Vostochny issuer is Visa Instant Issue, Classic and Gold, as well as UnionPay Classic.
Advantages:
The balance of personal money receives profit up to 4% .
Problems:
A credit card with a grace period of 120 days from UBRD is also a cashback.
Terms of use:
Requirements:
Advantages:
The grace period applies to all transactions.
Problems:
Card credit plus - a product with an overdraft - gives "Credit Europe Bank".
Requirements:
Advantages:
Problems:
If you take cash, transfer funds to another card or pay for gambling services, the rate will be from 39% .
"All at once" from Raiffaizenbank is a modern program, thanks to which it will be possible to both borrow and earn income.
Terms of use:
Requirements:
Advantages:
Raiffaizenbank partners give discounts to its customers up to 30% .
Problems:
In VTB, they also give Multicard as a credit card.
Terms of use:
Requirements:
Advantages:
Fee for using and receiving cash – 0 rubles.
Problems:
In "Renaissance Credit" they order a credit card from MasterCard of the World level.
Terms of use:
Bonuses are converted into Russian ruble 1 to 1.
Requirements:
Advantages:
Problems:
Absolut Bank issues a VISA Platinum class credit card, opening the way to the privileges program of this payment system.
Terms of use:
Requirements:
Advantages:
Problems:
Terms of use:
Requirements:
Advantages:
Problems:
Mastercard Standard or Visa Classic credit cards are a variety of designs and a number of good offers.
Requirements:
Advantages:
Cash out up to 300 000 rubles in the Avangard equipment is made without a commission, although they will withhold the minimum payment - 15 rubles.
Problems:
Touch Bank merged with OTP Bank. As a result, the issuer's product line has been updated. Now you can get, for example, a MasterCard World Big Cashback credit card.
Requirements:
Advantages:
Problems:
Post Bank is promoting Element 120. This is VISA Platinum class.
"Element 120" is a premium VISA program, consisting in:
Advantages:
Problems:
The top cards with the highest possible credit limit are:
With these tools, lending up to 1,000,000 rubles is allowed.
Their issuers do not add interest to the amounts spent by bank transfer within 120 days.
Cashback up to 40% is provided by partner companies of Vostochny Bank ( cashback card). The maximum return (in certain industries) at the level of 15% is given by VTB ("Multicard").
Get free cash from:
In general, VTB has the most financially interesting offer for Multicard. Its holders can customize the cashback according to their own preferences, and the tariff conditions do not exceed the average market values.
