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 bank 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 - the 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 duration 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 rates).
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. What, given what profitable terms uses for it are offered, it 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 also value your time, "plastic" from Tinkoff-Bank is the 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 debt 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 do not use a “credit card” 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 issue such a card receive not only a loan on fairly favorable terms (25% is 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 the case of a consumer loan, 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 confident that you will be able to strictly comply with the terms of consumer credit- 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
- this is not the banking product, the choice of which should be made according to commercials. A beautiful and rich life on screen can turn into constant stress due to debt if you do not know how to properly manage a credit card. People who follow the rules of competent card ownership receive an advantage in the form of free use of bank money. I reviewed the current offers in Russia and chose the best credit cards as of 2020.
I didn't rank. I believe that each client will get his own, depending on the tasks that he wants to solve with the help of borrowed funds. The cards in the list are in random order. Candidates were selected based on the analysis of customer reviews of different banks. The most popular were included in the review. You can compare the conditions and choose the most favorable credit card for yourself. Or several.
The parameters that have been analyzed and which, in my opinion, are the main ones for most users:
The bank offers 3 types of credit cards:
| Classic/Standard | Gold | Platinum | |
| Credit limit | up to 500,000 rubles | up to 700,000 rubles | up to 1,000,000 rubles |
| Card issue | Is free | Is free | Is free |
| Interest rate | From 11.99%, determined individually | From 11.99%, determined individually | |
| Annual maintenance cost | from 590 rubles | from 2 990 rubles | from 5 490 rubles |
| Cash withdrawal up to 50,000 rubles/month | Is free | Is free | Is free |
| Cash withdrawal fee over 50,000 rubles/month (charged from the difference amount) | 5.9%, minimum 500 rubles | 4.9%, minimum 400 rubles | 3.9%, minimum 300 rubles |
The interest-free period is 100 days. It is valid not only for payment for goods and services, but also for cash withdrawals up to 50,000 ₽. The loan limit is renewed every time after the repayment of the debt amount. And 100 days begin to operate only after the first debit transaction is completed.
To apply for a credit card, you must fill out an application on the website, wait for the bank's approval and set a date and time for free delivery by courier. The list of documents depends on the size of the credit limit:
At Tinkoff Bank but consider. Main parameters:
Cash does not apply to transactions for which there is an interest-free period. When withdrawing, you will have to pay 2.9% and another 290 ₽.
In addition to the 55-day grace period, Tinkoff offers installments up to one year for purchases at partner stores (the current list is on the website). You can use the “Balance Transfer” service: transfer a loan from another bank to a Tinkoff credit card and repay it within 120 days without interest. To use the service, you need to write in the chat or call. The bank employee will transfer the balance.
Credit card "More possible" allows you not to pay interest for 123 days. The grace period does not apply to cash withdrawals. Terms of use:
According to the bonus program, once a quarter, the bank gives a list of 6 categories with increased cashback. You must choose 2 of them. For them, 5% of the amount spent will be returned, for other purchases - 1%. Accumulated points can compensate for purchases from 1,000 ₽ in the previous month.
Similarly to a debit card, it issues a credit card with the same name - Multicard. Terms of use:
You can withdraw cash without commission only in the first 7 days and not more than 100,000 ₽. Further - 5.5% (minimum 300 ₽). Daily limits are 350,000 ₽, monthly - no more than 2 million ₽.
Diverse bonus program bank allows you to connect one of 6 options and receive cashback, discounts or miles in selected categories. Each option has its own rules, the amount of bonuses depends on the amount spent for billing period. For example, using the “Borrower” option, you can get a discount to the interest rate:
Credit "Smart card" allows the client not to pay for the use of the bank's money for 2 months. Terms:
The bonus program is configured in such a way that the client does not need to choose the category of increased cashback on his own. The bank analyzes what the borrower spends the most on, and from next month assigns an increased percentage of return on these goods and services. The amount of cashback depends on the amount of monthly spending.
| Amount of card purchases per month | Cashback amount |
| from 5,000 to 15,000 ₽ | |
| from 15,000 to 75,000 ₽ | |
| from 75 000 ₽ |
Once a month, you can change the loyalty program and accumulate miles instead of cashback.
Installment cards were not included in the review. This happened not because the conditions are unfavorable compared to ordinary credit cards, but because they deserve separate consideration and their own review, which I will soon do.
There is no problem to get yourself an electronic wallet today (of course, subject to the client's compliance with the requirements of the bank). You can apply for new credit cards of all banks online. The review period ranges from a couple of minutes to a couple of days, so many consider a credit card as a way to quickly get the right amount. But I ask you to carefully read the terms of the loan and strictly follow the rules of use, and then the card can really help out in a difficult financial situation.
Usually, available cards imply registration without certificates and the collection of a large amount of documents. Consideration of applications for them does not take much time, best offers it is assumed that the applicant can receive a response within 10-15 minutes after submitting the questionnaire.
The most popular credit cards include the one that involves favorable interest. The optimal conditions concern:
Many Moscow banks develop special loyalty programs. They allow you to retain customers and attract new borrowers.
Now the most profitable credit cards are issued on the following conditions:
The cheapest cards in terms of service cost usually involve a number of restrictions. Depending on the policy of the bank, it is more difficult to withdraw cash from them or receive increased bonuses.
The most favorable conditions are offered to salary and regular customers. It offers optimal conditions that relate to rates, terms and amounts. There is interesting options and from other large banks, for example, Qiwi Bank, MTS-Bank, Alfa-Bank.
You can easily find the most affordable credit cards on our website. You will have to pick best option taking into account the available documents, possible dates consideration of the proposal. It is profitable to use it easily if you fulfill all the conditions: do not withdraw cash, spend certain amounts monthly, pay off the debt in a timely manner (during the grace period).
If the latter fails, do not forget to pay the minimum monthly payment. We offer to find offers on our website using the calculator, apply immediately for pre-approval.
Hello, my dears! Why now everyone, wherever you throw it, is actively acquiring and using credit cards?
Because it is comfortable: with it you always have an airbag - a limit that remains “in reserve” when there are interruptions with your own funds.
With such spare money, you feel more confident and calm. You can indulge yourself if a useful thing turns up for a good promotion, and receipts are just on the way.
In order not to overpay, you need to choose plastic with a long free period, during which the debt will be covered by the salary received, and use will cost you nothing at all.
And what points still need to be paid attention to when choosing, and where is it better to take a credit card?
The trend is that today cash paper bills are increasingly being replaced by electronic money. It is unlikely, of course, that cash will disappear completely, but a plastic bank card is becoming the prevailing method of payment. People pay in supermarkets and shopping malls debit (salary) and credit cards.
But which bank is better to take a credit card - that is the question. Which credit card is right for one person and not so good for another? Since it is credit cards that differ in the greatest variety of conditions offered. In addition, it is the most expensive variety bank cards.
Some plastic "products" can cost several thousand rubles or more.
This is due not only to the size of the loan amounts, but also to the fact that such cards are included in the discount system of various network organizations: travel agencies, restaurants, cafes, hotels, the entertainment industry, etc. Due to these two factors, it becomes quite difficult to determine where and what kind of card product is profitable to get.
In general, there are five factors that influence the choice of the most profitable credit card:
The difference from a regular loan is that a credit card goes into the hands of the customer, but only the client decides when to activate a bank loan. If with card account not a penny will be withdrawn, then the loan will be “in standby mode”. A person thus obtained a loan can be kept in reserve, saving money for urgent, unforeseen needs.
Today, most credit cards are serviced by international payment systems VISA and MasterCard. Moreover, there are many special subspecies: VISA Classic, MasterCard Gold and others.
In general, there are several levels of credit "plastics" according to, so to speak, prestige:
Now many banks are specifically pursuing a policy of " electronic money”, when a significant commission is charged for transferring funds from a card to cash banknotes.
To understand which credit card is better to take, you should conduct a short review of the main offers from some banks in the Russian Federation.
Let us give as an example those banks whose credit cards occupy the largest volume in the consumer market, i.e., the percentage of goods in the corresponding market sector (in descending order):
And here are more detailed offers from some banks that will help determine where it is better to issue "plastic":
As already mentioned, the interest rate of a card loan is the main, fundamental and determining factor in choosing a card. Although not absolute. But what exactly affects the amount of interest overpayment? Several factors:
The average interest rate in Russian card lending today is 30% per annum. And 16% is the minimum threshold that can only be found in some banks that produce such products only for a select clientele.
When applying for a credit card and concluding an agreement, it is important to pay attention to whether the interest is floating or fixed. The fact is that in 99 cases out of 100 percent, if they change, then only upwards.
Banking institutions are guided by the loan rate in Central Bank RF, which also floats. For example, if the agreement on changing interest states “+10%”, this means that if today the Central Bank rate is 20%, then in the bank chosen by the borrower it will be 30% (20% + 10%).But in any case, each bank is obliged to notify cardholders by all available means (call, SMS, e-mail or regular letter) of the percentage increase at least a month in advance. In general, a card product should not be chosen based only on the amount of the bet.
In fact, it may turn out to be more convenient and economical that card, where the interest is slightly higher. It depends on what exactly the person needs plastic card. And do not forget about the features of the service and operation of the product. Low Interest can be compensated, for example, by the fact that cash withdrawals from an ATM will be charged high commission(up to 5-6% of the amount).
Therefore, when ordering a credit "plastic", you must carefully study all the conditions for using it and correlate them with your needs and capabilities. You should carefully read the terms of the grace period after activating the card loan and the grace period for repayment credit debt.
Of course, if such periods are stipulated by the contract. That is what this article was written for. To help people who are going to buy a credit card, understand the intricacies of this issue.
Source: credit-blog.ru
Credit cards are very convenient, because there is no need to accumulate money for the desired purchase for months, constantly take out new consumer loans, and you can also pay off the debt without interest, well, and unlike a large stack of money, it can easily fit into a wallet, and in case its loss will not come catastrophe of universal scale.
This banking product is in high demand, and therefore hundreds of banks are ready to provide a huge number of offers and various types of credit cards.
Let's figure out where it is better to get a credit card.
First of all, you need to carefully consider the terms of lending and use. by the most important indicators considered: the credit limit, the cost of servicing, the annual interest rate on the loan and the duration of the grace period, the complexity of registration, the conditions for repaying the debt. To date, the loan rate in many banks ranges from 22 to 35%, and the loan limit, as a rule, does not exceed 750,000 rubles.
The cost of issuing a credit card and its maintenance is different for each bank. And if usually plastic is issued free of charge, then a fee of 300 to 6000 rubles per year is charged for its maintenance, based on the category of the card. You also need to find out more about the availability and duration of the grace period - the time during which you can pay off the debt without interest. As a rule, it is equal to 50-60 days, although exceptions are possible.
Remember that loan repayment is a regular process, and, therefore, it should be as convenient as possible. It is better when there are many repayment channels. Today, banks provide the opportunity to pay off the debt not only in their branches, but also through payment terminals, ATMs, as well as using online services. Access to Internet banking and the presence of SMS alerts also make using a credit card more comfortable.
Pay attention to the commission for withdrawing cash from a credit card. First of all, credit cards are intended for non-cash payments, but they also allow you to withdraw money in cash. But the commission for this procedure can reach up to 7% of the withdrawn amount.
Be sure to find out about the availability of partner banks. Their ATMs charge a lower fee (like your bank) compared to third-party ATMs. Also, these ATMs allow you to repay the loan by depositing cash. The more partners your chosen bank has, the better.
Ultimately, some credit cards have additional features, for example, they provide discounts in certain stores and restaurants, allow you to accumulate bonuses in various airline programs, and sometimes you can even get a small percentage of your purchases, it is also called Cash Back.If you are interested in such benefits of a credit card, then check all the details with the bank.
However, there are still some tips that will help you decide:
To understand which credit card and which bank is better to choose, the conditions should be studied very carefully:
Whichever option you choose, the main thing is to remember the right priorities and the capabilities of your own forces. Indeed, approximately 5% of total amount you will have to pay off your credit card debt every month and without delay.
Source: fb.ru
Credit cards are becoming more and more popular. And this is not at all surprising, because they allow you to buy what you want, even if you do not currently have the required amount of money. So where can you find the best credit card today?
Choose a card based on its features:
One of the most popular credit cards. Credit limit - 300,000 rubles, grace period - 55 days. The interest rate pleases:
If you correctly calculate your expenses, then you will pay almost nothing to the bank. In addition, cashback is available here, which you can spend as you wish. True, unlike a debit card, here bonuses are accumulated in points with which you can pay bills, buy tickets, or exchange points for real money.
Maintenance cost - 590 rubles / year.
Pros of Tinkoff Platinum:
Here the credit limit is also 300,000 rubles. But the delay is 57 days. Perhaps someone these 2 days will play a big role. If the amount of the monthly payment from the card is more than 15,000 rubles, then the bank services your card for free.
Also, you get up to 5% cashback per month for the category of goods of your choice within the Binbonus program. The cost of maintenance is 6,000 rubles per year.
As the name suggests, you have a grace period of 100 days. The credit limit here does not differ from its predecessors - 300 thousand rubles. Replenishment is free. You do not need to wait days for approval of receiving a card - you will receive the result within 2-3 minutes. Credit rate- from 23.99%. Maintenance cost - from 1190 to 6 990 rubles/year.
With the AlfaBank card, you can pay off the debt in another bank. The conditions are identical as in TinkoffBank, but the truth is that here you have not 120, but 100 days of delay.You can withdraw cash without commission up to 50,000 rubles per calendar month. If you decide to take more money, then you will need to pay a commission from 3.9% to 5.9% for the amount exceeding the limit.
In a credit card from Renaissance Bank, the limit is slightly less than that of its predecessors - 200,000 rubles. The interest rate starts from 24.90% per annum. Internet banking, mobile bank, SMS notifications about upcoming payments and monthly card statement by e-mail are free.
There is also a cashback in the amount of 1% to 10% for each purchase. SMS alerts for tracking expenses are paid. Tariff - 50 rubles / month. Commission for cash withdrawal 2.9% + 290 rubles.
The credit limit of the cashback card from AlfaBank is 300,000 rubles. Interest rate 25.99% per annum. There is also a 60-day grace period available. Cashback is no different from a debit card:
Maximum cashback amount: 3000 rubles. But at the same time, you need to spend from 20,000 rubles. Maintenance of the card will cost you 3,990 rubles/year. Cash withdrawal limit - 120 thousand rubles per month.
The credit limit "All at once" is impressive - 600,000 rubles. Raiffeisen grants you 52 days of deferred payment. Interest rate - from 29% per year. You can also get up to 40% discounts while shopping within the "Discounts for You" program.
If you issue a credit card before 09/30/2018, you will receive it completely free of charge. Maintenance of a card with a standard design will cost 1490 rubles/year, and with individual design you will have to pay 1990 rubles/year. For SMS informing you will also have to pay 60 rubles per month.Transfers between cards, cash withdrawals and quasi-cash transactions will cost you 3% of the amount + 300 rubles. Commission for cash withdrawal at third-party ATMs - 3.9% + 390 rubles. Transactions abroad in a currency other than the account currency will require you to pay a commission of 1.65% of the transaction amount. The commission for depositing cash at the bank's cash desk is 100 rubles. when depositing amounts up to 10,000 rubles. Further - for free.
The credit limit at VTB is RUB 1,000,000. Postponement - 50 days. The credit rate is from 26% per annum. Cashback is also available here:
If you order a card on the VTB website, then you get it for free. In all other cases, get ready to pay 249 rubles. The monthly fee is also 249 rubles, but it can cost you free if you meet one of the conditions:
Withdrawing money from VTB Multicard:
You can withdraw maximum 350,000 rubles/day or 2,000,000 rubles/month.
One of the most popular maps for train lovers. Credit limit - 300 thousand rubles, a delay of 60 days is available. Annual service costs from 790 rubles. Interest rate on the loan - from 23.99% per annum. You can withdraw a maximum of 60 thousand rubles per month.
When making purchases with the Russian Railways card, you get points that can be exchanged for premium seats on long-distance trains or in Sapsan. Spending from 20,000 rubles a month, in 5-6 months you will save up for a ticket. In addition, all RZD card holders receive Alfa-Light and Alfa-Sport insurance when traveling abroad.Now the most popular cards are from AlfaBank, TinkoffBank, VTB and Sberbank. Each bank has its pros and cons, so choose based on your needs.
You do not need to take a card with a withdrawal limit of 30-40 thousand rubles if you are used to spending cash from 100 thousand per month. You will have to pay round sums for exceeding the withdrawal limit. But you don't have to take too much either. expensive card. You simply may not have enough funds to maintain it. Choose wisely!
When looking for credit plastic, it is easy for a client to get lost among interest, commissions and requirements. We analyzed the parameters of popular products and compiled a credit card rating so that you make an informed choice.
The top credit cards could not do without the offer of Tinkoff Bank. Tinkoff Platinum plastic gives the customer a choice: buy goods on credit or use installments.
Mobile, Internet banking - free of charge. Pay 59 rubles. per month will be for SMS notification of card transactions.
Also, expenses include a commission for cash withdrawals - 2.9% + 290 rubles. Additional card serviced free of charge.
An additional plus is the bonus program "Bravo". The bank returns 1% for any non-cash spending and up to 30% for purchases by special offers. Bonuses compensate for the cost of a train ticket or lunch in a restaurant at the rate of 1 point = 1 ruble.
Tinkoff offers to repay loans from other lenders using a card. There are no commissions for the transfer of debt, and the client also receives 120 days of deferred payment.
Plastic will be delivered to your home or work after 1-7 days from the date of application. For registration, you only need a passport.
The credit cards we review have varying periods of interest-free service. The product "100 days without%" provides one of the longest.
Issuance of Visa or MasterCard cards is available. Any version implies the possibility of contactless payment.
There are no special requirements for the borrower. The client must be of legal age and have minimum income- 5,000 rubles. per month (for Moscow - 9,000 rubles). For registration, a passport and a second document of your choice are enough. For example: TIN, SNILS, rights.
Another plus is the ability to withdraw up to 50,000 rubles for free. per month. A commission from 3.9% to 5.9% is charged from the excess amount.
The offer of Alfa-Bank is the best credit card of 2020 according to many. To receive plastic, spend 10 minutes filling out an application, wait for the bank’s preliminary decision and pick up the card at a convenient branch.
A maximum of 3,000 rubles can be returned per month. A prerequisite for receiving cashback is spending in outlets in the amount of at least 20,000 rubles. in 30 days.
The credit card is issued free of charge. For a month, you can withdraw up to 120,000 rubles from the card. In this case, you will have to pay a commission of 4.9% (minimum 400 rubles).
The requirements for the borrower and the terms of registration are the same as for a card with an interest-free period of 100 days.
The Platinum card is attractive with the possibility of purchases in installments up to 12 months.
For plastic holders there is a Cash Back program:
Card users return up to 15% of the amounts spent with the bank's partners (Lamoda, Cherepaha, Shokoladnitsa, Russian bouquet, Alex Fitnes and others). There are also bonuses on the travel.rsb.ru portal.
The first 60 days from the date of signing the agreement, cash is issued without commission at any ATM. Further, you can withdraw only 10,000 rubles for free. per month. If you need a large amount, you will have to pay a commission of 2.9% + 290 rubles.
Citizens of the Russian Federation aged 21 to 65, registered in the region where the bank operates, can take advantage of the bank's offer. For registration, you will need a passport and a second document: a passport, SNILS, a driver's license or a pension certificate.
For notification of all transactions via SMS, you need to pay 59 rubles. per month. Cash withdrawal is also accompanied by a commission of 2.9% + 290 rubles.
The ideal borrower for the bank is between the ages of 21 and 65, officially employed for at least 3 months. Permissible monthly income for regions - 8,000 rubles, for Moscow - 12,000 rubles. To apply for plastic, you will need a passport and a second document to choose from: a driver's license, a passport, a diploma of education or a personalized bank card.
The Simple Joys program helps to accumulate bonuses. Renaissance Credit returns 1% of the amount of any purchases and 10% for promotional categories. The list of categories with increased accrual is updated every month. Bonuses are converted into real money at the rate of 1 bonus = 1 ruble.
When accumulated bonuses exceed 100, they can be exchanged for full or partial purchase value in a special category. Another option: pay utility bills or a mobile phone.
The bonus option can be changed every month. The lender offers categories to choose from:
If you apply for a card on the website, you do not need to pay anything. A client who applied to a bank branch will pay 249 rubles. for the service, but in the future, the commission can be returned to the account.
For late payment and exceeding the credit limit, the bank charges 0.1% of the amount for each day of violation.
The required age of the borrower is 21-70 years. Income - from 15,000 rubles. To obtain a card, you need to provide a passport and confirm solvency. With the requested limit up to 100,000 rubles, customers present a passport or driver's documents.
Own funds in ATMs of the bank are issued without commission. In other cases, the fee will be 5.9% (minimum 300 rubles). You can not receive more than 100,000 rubles in cash. per day and 300,000 rubles. per month.
Activation of the service “Change the date of payment” costs 300 rubles, the service “Auto redemption” costs the client 29 rubles. for one operation. The commission within the "Repayment from the card" is equal to 1.9% of the transfer amount (minimum 49 rubles).
SMS notification after two months of use is also paid (49 rubles per month). The bank will inform about the missed payment in the first 4 months of non-payment:
A borrower over the age of 18 must officially work for at least 3 months and reside (with registration) in the territory where the bank operates. You do not need to verify your financial status with a certificate.
Choosing which credit card is the most profitable, consider the offer of Sberbank of Russia.
The card is valid for 3 years.
It is allowed to withdraw no more than 50,000 rubles per day. at an ATM and 150,000 rubles. at the register. If the client applied to Sberbank for this, the commission will be 3% (minimum 390 rubles), in "foreign" ATMs - 4% (at least 390 rubles).
Valid for clients. Bonuses are exchanged for entertainment, travel, coupons and discounts.
You can apply for a card online or at any branch of the bank. The borrower only needs a passport.
We will supplement the review of bank cards with a copy of the Eastern Bank.
Registration and reissue Visa cards Instant Issue costs 1000 rubles. Release classic card does not require payment.
Withdrawing cash from your ATM at the expense of the credit limit implies a commission of 4.9% + 399 rubles. Own funds in someone else's ATM are cashed out for 90 rubles, credit with the same commission as in the Vostochny ATM. Withdrawal limit per day - 150,000 rubles, per month - 1,000,000 rubles.
SMS-bank costs 89 rubles. per month.
Vostochny returns 1% of the money spent in the form of cashback. 5% is charged for purchases in bars, cafes, restaurants, cinemas and household appliances stores.
The affiliate program allows you to return up to 40% of the purchase amount in online stores. The maximum you can get is 30,000 rubles. in year.
The acceptable age of the client is 21-71 years. You will need proof of income and employment within 3 months at your last job.
| Map | Max. credit limit, rub. | Grace period, days | Bid | Min. payment | Maintenance cost per year, rub. |
|---|---|---|---|---|---|
| Tinkoff Platinum | 300 000 | up to 55 | from 15 to 29.9% (cash - 30 - 49.9%) | up to 8% | 590 |
| "100 days without%" Alfa-Bank | 300 000 - 1 000 000 | up to 100 | from 14.99% | 3-10% | 1190 - 6990 |
| Cash Back Alfa-Bank | 700 000 | up to 60 | from 25.99% | 5% | 3990 |
| Platinum RSB | 300 000 | up to 55 | from 21.9% | 3% | 499 |
| Credit card Renaissance Credit | 200 000 | up to 55 | from 19.9% | 5% | is free |
| "#All At Once" Raiffeisen Bank | 600 000 | up to 52 | from 29 to 39% | 5% | 1490 |
| Multicard VTB | 1 000 000 | up to 101 | 26% | 3% | free (with conditions) or 3000 |
| "Element 120" Post Bank | 500 000 | up to 120 | 27,9% | 5% | 900 |
| MasterCard Standard Sberbank | 300 000 | up to 50 | 27,9% | 5% | 750 |
| Cash Back Bank Vostochny | 300 000 | up to 56 | from 29 to 78.9% | 1% | is free |
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