The table shows the offers of creditors included in the top 50 rating of the country's banking institutions. The terms of the products provide for the absence of a commission for the maintenance of "plastic" in the first year of its validity.
| Bank | Bid | Maximum limit (thousand rubles) |
Maximum Grace period
(days) |
Serviceing | ||||
| from 18 | 200 | 55 | from 740 rubles – activation fee; further service is not charged. |
|||||
| from 23.9 | 250 | 55 | 0 r. - First year; 700 r. - from the second year |
|||||
| 27,9 | 600 | 55 | 0 r. - First year; 5000 r. - from the second year. |
|||||
| 28 | 299 | 50 | in the future: 0 p. upon reaching a turnover on the card of 20 thousand rubles / month, otherwise - 75 rubles; |
from 29.9 | 300 | 56 | 0 r. - First year; 600 rubles - from the second year. |
Many lenders offer potential borrowers credit "plastic" with the CashBack function. The service allows the owner of a credit card to receive a part of the spent funds back to the card account. Their size is expressed as a percentage of the purchase amount. The amount of the CashBack rate, the conditions and procedure for the return, each bank determines independently. The accrued interest varies, as a rule, in the range of 1-5%.
There are also cards with the activated CashBack service on the credit market, the annual maintenance of which is not charged. The table shows some of the products offered by major banking institutions.
| Bank | Bid | Limit (thousand rubles) |
cashback (%) / max. amount per month (r.) |
Maximum Grace Period
(days) |
Service |
| from 24.9 | 350 | to 10/- | 50 | 0 r. - First year; in the future: 0 p. with a turnover of more than 120 thousand rubles. in reporting year, otherwise - 900 r. |
|
| 27,9 | 600 | until 3/- | 55 | 0 r. - First year; 5000 r. - from the second year. |
|
| 28 | 299 | 1/5000 | 50 | 75 rubles - registration of the card; in the future: 0 p. upon reaching a turnover of 20 thousand rubles / month, otherwise - 75 rubles; |
|
| from 29.9 | 300 | 1/– | 56 | 0 r. - First year; 600 rubles - from the second year |
The leader of the banking segment of the country in its product line offers consumers 5 types of credit cards, the use of which provides for the absence of a commission for their annual service:
|
Limit
(thousand rubles) |
Bid | Grace period |
| 120 | from 25.9% | up to 50 days | |
| 600 | |||
True, for its owner, "plastic" is free if it is issued within the framework of a pre-approved creditor personal offer. Receiving the product on special terms is available only to existing clients of the institution, who are:
| Bank | Bid | Limit | Maximum Grace period (days) |
| 17/20 | 1 million rubles | 50 | |
This option is perfect if you want to get a card just in case or evaluate services, reliability financial institution. Today, many banks make the service absolutely or conditionally free. In addition, growing competition contributes to the constant expansion of services.
Each bank has individual offers and features: on some credit cards there is no commission only in the first year, on others there are conditions for free operation. Due to this, customers reduce costs, as well as save without having negative consequences.
Consider the most popular offers:
By choosing one of the options proposed above, you are exempt from annual commissions, which on average range from 500 to 5000 rubles. But not all Fin. institutions are ready to provide such an opportunity. But the number of proposals continues to grow. This is not strange, because a credit card greatly facilitates cash and cashless payments for goods or services.
To save on a credit card, carefully read the rates, periodically re-read the conditions in case the bank changes them. Do not forget to ask the managers your questions and carefully re-read the contract.
When choosing, pay attention to these nuances:
Definitely a credit card with no annual fee is very practical and cost effective. Especially if you need a "spare" wallet. Moreover, anyone can get a card.
To find out all the details and make the right choice, it is better to consult with the manager in advance and clarify all the nuances.
A credit card in the everyday world has become one of the necessary financial instruments helping a person. Naturally, credit cards without annual maintenance are of the greatest interest, as they allow you not to overpay the bank extra money.
In the face of fierce competition for customers, more and more banks offer to issue free credit cards.
For borrowers, they are attractive, since the only cost they incur is debt service (ie, interest on the use of loan funds). To other pluses of credit cards without annual maintenance.
You don't have to use the card, and you don't have to pay just for the fact that you have it at home. Plus, you can not be afraid that there will be a debt caused by the write-off of funds for maintenance.
As a result, a credit card without annual maintenance is very attractive to customers.
There are several ways to get a credit card without a service fee:
When receiving a free credit card, you must carefully read the contract for its service. Often, banks include conditions there that make the banking product not so profitable.
It is worth considering the following nuances:
Behind the "free" credit card without annual service may be hiding other profitable terms: a credit card from the Eastern Bank is completely free and there is no interest on it, but the client will have to pay a fixed amount for each day of using borrowed funds - from 30 to 60 rubles, depending on the status.
Of course, the vast majority of banks make the terms of service as clear and transparent as possible - the client must always understand what he is paying money for. But it’s better to look into the contract again and clarify with the manager all the questions that have arisen. It won't take long, but it will save you potential problems.
When choosing which credit card without annual service to issue, it is necessary to proceed from the analysis of many parameters.
It may well turn out that a free card is enough high interest for a loan or a short grace period. In this case, you can consider the classic options with a small fee per year, but on more favorable terms.
The overview below shows the credit cards that are of the greatest interest. They are completely free, and the conditions for granting a loan do not differ from the average.
The most popular option for issuing a credit card without a service fee is to contact Sberbank. You can get a personalized and non-embossed credit card in it as part of a mass offer.
In the latter case, you can just count on free maintenance for a year. From the second, a fixed fee of 750 rubles is charged. Credit card terms:
Registration is carried out according to the passport in any branch of the bank. You can also leave a preliminary application on the Sberbank website. If approved, all that remains is to pick up the card from the office.
No less popular is the option of issuing a credit card without a service fee at Alfa-Bank #Vmestodeneg.
The client can receive a "split" payment for a period of 4 to 24 months. The limit is up to 100 thousand rubles.
In some cases, an installment plan can actually be more profitable than a classic credit card. But it should be borne in mind that not all stores accept such cards, but only bank partners. And not always offers from partners are the most profitable.
The minimum age of a borrower at Zenith Bank is 22 years, proof of income is also required Zenith Bank offers its free credit card on the following terms:
A credit card from Rosbank Unnamed is issued to everyone instantly upon contacting the bank. You will need a passport and providing information about income.
Of the minuses - a relatively small limit, there will be no more than 100 thousand rubles on the card. The rate is 29.9%.
You can get a Simply credit card from Citibank. Its main advantage is free cash withdrawal from any ATMs around the world.
A credit card without a service fee in Rosbank can be issued on the following conditions:
Two more advantages of this card: you can use it to pay in transport and in the Moscow metro with a simple touch, and if you wish, you can connect the installment program with reduced rate(from 18.9% per annum).
Other options for free credit cards are listed in the table.
| Bank | Credit card name | Bid | Limit, in rubles | grace period |
| Sovcombank | AutoHalva | 10% | Up to 350000 | 720 |
| Zenith | Classic Credit | 17-20% | 5000 – 1000000 | 50 |
| Home Credit Bank | Installment Card | 29,8% | 10000 –300000 | 365 |
| Rosbank | Nameless | 29,9% | 15000 – 100000 | 62 |
| Sovcombank | 29,9% | Up to 350000 | 46 | |
| Citibank | Just credit | 22,9-32,9% | Up to 300000 | 50 |
| OTP Bank | understandable | 26,9-44,9% | Up to 300000 | 55 |
| Eastern Express Bank | Partner | 24,9-46,9% | 55000 – 300000 | 56 |
| Eastern Express Bank | Standard | 29,9-78,9% | 55000 – 300000 | 56 |
| Center-Invest | Universal | 26% | individually | 55 |
| Renaissance Credit | Mastercard Standard | 24,9-45% | Up to 200000 | 55 |
Great with no service charge. The main thing is to get approval of the application from the selected bank.
Some banks offer income cards with which you can offset part of your costs. It's about credits. with cashback and bonus programs. You can purchase credit cards without service charge and with the return of part of the money spent in VTB, Eastern Express Bank, Avangard.
In VTB, you can issue a Multicard with cashback on the following conditions:
The main advantage is cashback up to 10% from a check at a restaurant or gas station and up to 2% from other purchases. Plastic holder can become a member bonus program and receive a reward of your choice:
To be available for use without paying for annual maintenance, any of the following conditions must be met:
Otherwise, you will have to pay 249 rubles per month for the card.
At Avangard Bank, you can issue a Parent's Package card. It does not provide for annual maintenance, the rate is set at 21-30%, the grace period is 50 days. The amount of funds on the account is discussed individually.The main advantage of this plastic is that a card is issued for it for free school meals. She can only pay at the cafeteria or canteen at the school, it is impossible to withdraw cash from her or transfer money. The account is linked to the parent's credit card.
The Parent's Package provides for 1% cashback from all purchases (maximum - 2400 rubles per year).
At East Express Bank, you can apply for a credit card without an annual service of one of three types:
The card has a credit limit of up to 300 thousand rubles, the rate is 29.9%. Grace period - 56 days, set for each purchase individually. There is an accrual of interest on the balance of own funds in the form of 4% per annum.
Thus, you can choose a suitable credit card without annual maintenance and even earn extra money on it through cash back and bonuses. When applying for a credit card, you need to pay attention to the possible details of its use - “pitfalls” may be hidden in the terms of the contract. For example, VTB Multicard holders must make expenses on it in the amount of more than 15 thousand rubles so that no service fee is charged. There are few proposals with a zero annual content of the card, but they all deserve attention.
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 Russian banks 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).
Many potential and existing customers are interested in whether Sberbank cards exist without a service fee. Bank offers for plastic cards quite varied. The presence or absence of an annual payment depends on various factors. Let us consider in more detail which cards can be issued and used for free at this bank.
Sberbank - large financial institution with many branches in different regions of the Russian Federation and abroad. He enjoys the well-deserved trust of customers, offers them a variety of banking products, quite favorable conditions for their use.
Therefore, any issue related to the activities of this bank will be interesting and relevant for both existing and potential customers. Are Sberbank cards issued without annual service? Yes, such offers exist. Learn more about which cards to choose to save on payments.
Holders plastic cards it is always important to know what costs are coming when using bank cards. The following types of payment should be attributed to regular expenses:
These are the main costs that plastic owners face. Consider which Sberbank cards without annual maintenance can be issued.
Typically, the amount of annual payment for the use of plastic depends on the following factors:
Sberbank cards without service fees are issued in different versions. We will learn about all the bank's offers on cards without paying for their use.
It should be noted that the bank does not charge a fee for the issue. Exception - individual design plastic, which is ordered by the future owner.
If a client needs a Sberbank card without annual service, then he can use one of the currently valid offers:
it complete list Sberbank cards without service charge. Potential and current customers can choose which plastic suits them best and apply to the inpatient department or online for their release.
