A credit card from Sberbank is an ideal tool for those who want to take out a payday loan. Sberbank has a lot different offers on lending to the population, and they all have different characteristics. An important condition lending is the presence of a grace period during which you can use money completely free of charge. However, how long the grace period lasts on a credit card from Sberbank using an example remains to be found out in the material.
Sberbank credit cards are famous for having a grace period, the duration of which is 50 days. A grace period for lending of up to 50 days means that during this time the client can use finances by borrowing them from the bank without paying a commission. Moreover, the rules for using a Sberbank credit card state that only in case of non-cash payment using plastic.
The grace period is also called the grace period, which lasts 50 days. Many clients, when using a loan, count 50 days from the date of payment by card, which is not correct. When applying for a plastic card, a bank employee must explain what a preferential credit card from Sberbank is and how to use it correctly. Anyone can calculate the grace period of a Sberbank credit card independently. To do this, you need to know that the grace period is divided into two values:
- Reportable.
- Payment.
Let's look at the features of each period separately and find out what they are.
Reporting period: what it is and its features
While the reporting period of the Sberbank credit card lasts, the client can pay with it for any goods and services non-cash. During this period, interest will not accrue. The duration of the reporting period is 30 days out of the 50 grace period. The 30-day report is kept not from the moment the balance on the card decreases, but from the day the report is compiled. What does it mean? The conditions for using the loan state that the reporting period begins from the day the plastic is activated. This means that the use of the grace period of the Sberbank credit card begins from the date on which the plastic was activated. Every month the reporting period begins on this date, so for ease of calculation, many people want to receive plastic at the beginning of the month, so as not to get confused later.
This is interesting! The date of the reporting period begins automatically from the moment the plastic is received, but it can be changed when drawing up the contract.
You can ask a bank employee how to find out the reporting period for your credit card. He will check when the card was entered into action, after which he will inform the client of the reporting time date. Based on this number, you can easily calculate how long you can use the grace period.
After the end of the 30-day period, the bank sends the client a statement of all payments:
- The amount of money that was spent.
- When the funds have been spent.
- Total debt to the bank.
- Recommended minimum payment amount to be made.
To make the most of the interest-free period of a Sberbank credit card, you must pay off the debt over the next 20 days. During these 20 days, no interest will be accrued, however, after their expiration, if the entire amount is not paid, then interest will be calculated along with penalties. If the minimum payment is made, interest will accrue, but there will be no penalty. The twenty-day period is called the payment time during which the client must repay the debt incurred in the previous 30 days.
How to find out the payment deadline
You can return money not only during the payment time, but also during the reporting period. If possible, it is recommended to carry out the calculation within this period of time. If this is not possible, then you need to deposit the minimum payment into the account, which will prevent the accrual of penalties.
An example of a grace period on a Sberbank credit card can be considered as follows:
- If the start of reporting time falls on the 10th, then purchases that will be completed on the 15th will have the grace period reduced by 5 days. This means that the client will have 45 days instead of 50 to return the money without paying interest.
- If purchases are made on the 9th day of the next month (i.e., on the last day of the reporting period), then the client will have only 20 days to repay the debt in order not to pay the commission. To prevent this from happening, you need to wait until the 10th or 11th and then make a purchase. In this case, the client will have 50 days to repay the loan.
Not many people know how to calculate the grace period, although almost every person uses credit cards. Some people use a loan calculator for calculations, through which you can quickly make calculations.
This is interesting! If the client knows the principle of calculating grace time, then he can accurately calculate when it is better for him to make a purchase in order to use credit funds without harming himself. After all, the probability of repaying a loan in 50 days is higher than in 20, especially if we are talking about impressive amounts.
Example of card payment calculation
The maximum grace period is 50 days. This duration will be provided to the client if he uses the loan on the day the reporting period is formed. With each subsequent day after the report is generated, the time will decrease.
This is interesting! The time the report is generated is also called day X. During the reporting period, you can spend money from your credit card, but you must return it within the next 20 days.
Now let’s look at an example of debt on a Sberbank credit card based on a grace period with specific amounts.
- If the beginning of the reporting period falls on the 1st day, then within 30 days you can spend any amount that is available on your plastic balance.
- If you spend 10 thousand rubles on the 5th of the current month, and another 10 thousand on the 15th, then you will need to pay off the debt in the amount of 20 thousand by the 19th of the next month.
- To pay off debt, many rely on wages, which are received at the beginning of the month, and an advance at the end. This means that you can cover the debt until the 19th day of the next month with an advance payment, which is accrued after the 20th day of the current month, or with a salary accrued at the beginning of the next month.
If wages is not enough to repay the debt in full, then the money can be withdrawn from the savings account. Many clients have several credit cards from different banks. Through accurate calculations you can move money from accounts without losing interest on using the money.
If problems arise during independent payments, then in the “Credit Cards” section in personal account The Sberbank Online service has a loan calculator. To use this calculator, you need to know the following information:
- Report start date.
- Loan interest rate.
- The date you planned to make the purchase.
- Approximate amount of expenses.
The advantage of the calculator is not even that it will show the exact date of debt repayment, but the presence of an option to show savings if you pay off the debt within a specified period. If you are not in a hurry to make a purchase, then calculate when it is more rational to do it in order to have time to pay off the debt without loss to yourself.
This is interesting! Do not forget that the grace period only applies to non-cash payment methods. Even if you transfer money from a credit card to a debit card for the purpose of withdrawing cash, a 3% commission will be charged upon transfer, and the grace period will also be disabled.
Features of using a credit card
Cardholders must carefully read all terms and conditions of service. This must be done so that misunderstandings and disagreements do not arise later. After the end of the interest-free period, interest will accrue on the credit card. What percentage will be charged depends on each individual case. First of all, it depends on the type of credit card, as well as the minimum payment. On average, the interest rate ranges from 19% to 35%. The rate is specified in the contract, but it can be changed. If the minimum payment is not paid, the bank has the right to increase the interest rate from the minimum level to the maximum. In addition, it is important to consider that a penalty of 0.1% of the debt amount will be charged daily. The debt, if it is not repaid on time, will only increase.
After repaying the debt in full, you can withdraw money again the next day, since the grace period will again be valid for 50 days. For clients who use Sberbank Online, it is possible to control the need to repay debt in their personal account. Here you can track not only all expenses, but also control when the debt should be repaid, as well as how much the minimum payment needs to be made.
When using a credit card, it is important to consider the following nuances:
- During the reporting period, you can use your credit card for non-cash payments without restrictions.
- When withdrawing money from an ATM, you need to understand that there will be no grace period.
- Interest is accrued immediately upon expiration of the grace period. If the money does not arrive in the account within the specified period, interest will be automatically deducted.
- A penalty is charged only if the client does not pay the required payment.
- There are many ways to top up your account. various options. You can choose any one that is convenient for the client.
- It is imperative to take into account the time of crediting the money, since if it is sent ahead of schedule but arrives after the grace period has expired, then interest will already be calculated.
To avoid problems when crediting money to the card, you should print a receipt in any case. This check is the only proof of the transaction.
Conditions for cash withdrawal
The grace period applies only to certain types of payments. Some of these payments include:
- Payment for goods in retail stores.
- Purchasing goods in online stores.
- Carrying out payments for rent and similar transactions.
The grace period does not apply to the following types of payments:
- If a client makes an internal transfer between their accounts.
- When withdrawing cash from a credit card at an ATM.
If you need to use real money, it is recommended to take out a direct loan from a bank. This will avoid the accrual of interest and penalties, as well as the accrual of commissions for withdrawing money from an ATM.
This is interesting! The main purpose of credit cards is to convert customers to non-cash payment methods that are beneficial for the banks themselves. The more transactions in a country are carried out non-cash, the more cash flows into the bank.
The grace period on a Sberbank credit card is not the only advantage provided by the bank. Another positive feature is a unique promotion called “Thank you from Sberbank.” This bonus program, through which points are credited to the client’s account for each non-cash transaction. These points are equal to the ruble 1:1. You can spend points in any store that is a partner of Sberbank.
The grace period is 50 days, but you should not take this information directly. Before you rush to spend money on credit cards, you need to first understand the features and conditions of their return.
Sberbank credit cards are an opportunity to make necessary purchases even if you don’t have money at hand.
The peculiarity of a Sberbank credit card is that during a certain period of time, which is called a grace period, the bank’s money can be used without interest.
It is more profitable to get a Sberbank credit card than to take out a cash loan when there is not enough money for short term. In addition, for holders of various types of Sberbank credit cards, various types additional features.
Grace period for Sberbank credit card in 2020
Who can get a Sberbank credit card?
In principle, any Russian citizen aged 21 to 65 can apply for a credit card from Sberbank. All you need is permanent or at least temporary registration in any locality in the country.
But you need to understand that a credit card is very little different from a regular consumer loan. Therefore, the requirements for its recipients are just as strict. It is advisable to have a total work experience of at least 1 year over the last 5 years, and at the current place of work - at least 6 months. The better you convince the bank of your solvency, the higher your credit limit will be.
Sberbank credit cards for pensioners in 2020
Getting a Sberbank credit card can be especially beneficial for pensioners. If you use the card correctly and repay the entire loan during the grace period, you can make any purchases without waiting for the date you receive your pension. Pensioners up to 65 years of age can apply for a Sberbank credit card.
What is a credit limit?
This is the maximum amount on the card that you can borrow. For each client, the bank sets a limit individually depending on his financial capabilities and employment.
Ideally, get a Sberbank credit card if it has already been pre-approved. In this case, the credit limit may be higher and the interest rate lower!
How to find out if you have a pre-approved Sberbank credit card?
If you are not a client of Sberbank, that is, you do not have any accounts, deposits, or loans with it, then you cannot count on the bank approving a credit card for you in advance.
But if you have previously had a relationship with Sberbank, then there is a chance. To find out if there is a pre-approved offer for you, apply for a card in Sberbank Online. If there is an offer, you will immediately see the approved credit limit and preferential conditions. The card will be delivered to the branch of your choice.
Now that we have learned the minimum necessary information, we can begin the actual review of Sberbank of Russia credit cards.
Sberbank credit cards: favorable terms of use
In 2020, Sberbank offers clients several types of credit cards.
Visa Classic and MasterCard Standard cards
A credit card with a wide range of banking services and low service costs.
Terms
- Card validity: 3 years.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
Cash withdrawal fee
Cash withdrawal limits
Client requirements
citizenship of the Russian Federation;
total work experience of at least 1 year over the last 5 years and period of work at the current place of work for at least 6 months
Visa and MasterCard Gold cards
Premium bank card with a wide range of additional services, special offers and favorable terms of service.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
- Bonus program “Thank you from Sberbank”: yes.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
Cash withdrawal fee
In Sberbank: 3% of the amount, but not less than 390 rubles.
In other banks: 4% of the amount, but not less than 390 rubles.
Cash withdrawal limits
Client requirements
citizenship of the Russian Federation;
age from 21 to 65 years inclusive;
Visa Signature and MasterCard World Black Edition
Credit card with big bonuses, return up to 10% of the cost of purchases, and also receive discounts and special offers from payment systems.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
- Bonus program “Thank you from Sberbank”:
10% when paying at gas stations / For trips to Gett and Yandex.Taxi
- 5% when paying in cafes and restaurants
- 1.5% when paying in supermarkets
- 0.5% for all other purchases.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
Cash withdrawal fee
In Sberbank: 3% of the amount, but not less than 390 rubles.
In other banks: 4% of the amount, but not less than 390 rubles.
Cash withdrawal limits
Per day via Sberbank ATM: RUB 100,000
Per day through the cash desk of Sberbank / other banks: RUB 300,000
Client requirements
Citizenship of the Russian Federation;
Age from 21 to 65 years inclusive;
Permanent registration on the territory of the Russian Federation;
A total work experience of at least 1 year over the last 5 years and a period of work at the current place of at least 6 months.
Instant credit cards Visa and MasterCard “Momentum”
A universal credit card with free annual service for Sberbank clients. Issuance on the day of application.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
- Bonus program “Thank you from Sberbank”: yes.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
Cash withdrawal fee
In Sberbank: 3% of the amount, but not less than 390 rubles.
In other banks: 4% of the amount, but not less than 390 rubles.
Cash withdrawal limits
Per day through a Sberbank ATM: 50,000 rubles.
Per day through the cash desk of Sberbank / other banks: 150,000 rubles.
Client requirements
citizenship of the Russian Federation;
age from 25 to 65 years inclusive;
permanent registration on the territory of the Russian Federation in the region where the card was received;
Youth cards Visa and MasterCard
Especially for young clients, Sberbank offers a credit card, which will have money just in case. You can apply even for students without a permanent job.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
- Bonus program “Thank you from Sberbank”: yes.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
Cash withdrawal fee:
In Sberbank: 3% of the amount, but not less than 390 rubles.
In other banks: 4% of the amount, but not less than 390 rubles.
Cash withdrawal limits:
Per day through a Sberbank ATM: 50,000 rubles.
Per day through the cash desk of Sberbank / other banks: 150,000 rubles.
Visa Gold and Classic cards “Give Life”
A credit card to help children with cancer, created jointly with the Gift of Life charity foundation.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
- Bonus program “Thank you from Sberbank”: yes.
|
Limit, rub. |
Min. Bid, % |
Maintenance, rub. per year. |
From the card, Sberbank transfers a donation to the Gift of Life fund:
At the expense of your income in the amount of 50% of the fee for the first year of card servicing and 0.3% of the amount of your purchases;
From the available funds on your card account in the amount of 0.3% of the amount of your purchases.
Client requirements:
citizenship of the Russian Federation;
age from 21 to 65 years inclusive;
permanent registration on the territory of the Russian Federation;
a total work experience of at least 1 year over the last 5 years and a period of work at the current place of work of at least 6 months.
Sberbank mile cards for travelers
Aeroflot Visa Gold and Classic cards
A credit card that allows you to accumulate Aeroflot Bonus miles and exchange them for tickets from Aeroflot airlines or Sky Team alliance companies.
Terms
- Card validity: 3 years.
- Grace period for lending: up to 50 days
|
Limit, rub. 1 mile for every 60 rubles spent on the card. / 1 dollar / 1 euro (Visa Classic "Aeroflot" of Sberbank) 1.5 miles for every 60 rubles spent on the card. / 1 dollar / 1 euro (Visa Gold “Aeroflot” of Sberbank) Client requirements: citizenship of the Russian Federation; age from 21 to 65 years inclusive; permanent registration on the territory of the Russian Federation; a total work experience of at least 1 year over the last 5 years and a period of work at the current place of work of at least 6 months. Premium credit cards Aeroflot Visa SignatureA premium credit card that allows you to accumulate Aeroflot Bonus miles and exchange them for tickets from Aeroflot airlines or Sky Team alliance companies. Terms
Crediting miles to your account in the Aeroflot Bonus program: 2 miles for every 60 rubles spent on the card. Client requirements: citizenship of the Russian Federation; age from 21 to 65 years inclusive; permanent registration on the territory of the Russian Federation. You can apply for an Aeroflot Visa Signature credit card only if you have a personal offer from Sberbank. See also Credit card without income certificates: when is it profitable to apply for >> How to get the minimum interest on a Sberbank credit card The minimum interest rate for a loan on a Sberbank card can be offered if you:
You can find out about the availability of a personal offer from the manager at a Sberbank branch and even at any ATM or Sberbank terminal. You will be offered a maximum limit amount and interest rate. The information is not a public offer. Find out more about Sberbank credit cards on the website or at the Bank's branches. |
The grace period (or grace period) is one of the significant advantages of any credit card. During this time period, plastic owners can use the credit limit without accruing interest. But to do this, you must not violate the rules for using cards. For example, Sberbank’s grace period applies only to non-cash transactions. More about how the Sberbank credit card works for 50 days without interest later in the review.
What Sberbank cards are there with a 50-day limit?
For Sberbank credit cards, the maximum grace period is 50 days. This period is the same for all types of credit products, so when choosing a plastic, other conditions should be compared: cash limit, service cost, interest rate and features.
Gold:
- There is no service fee.
- The issue is free.
- Credit limit - up to 600,000 rubles.
- The rate is 27.9%.
- Available for registration by new clients.
A Sberbank credit card with a grace period of 50 days can be issued to clients over 21 years of age.
Important! Sberbank does not issue credit cards from the age of 18.
Premium card Available for registration only by existing clients who have an open deposit with the bank for a large amount (from 2,000,000 rubles). The rate is 21.5%. Credit limit - 3,000,000 rubles.
Aeroflot series available for registration by all clients, including students and pensioners.
- The starting rate is 23.5%.
- Credit limit - up to 3,000,000 rubles.
- Maintenance - up to 12,000 rubles per year.
Series “Give Life” available for registration by all clients. If the offer comes from Sberbank, then the credit limit is set at 600,000 rubles. In all other cases - up to 300,000 rubles. The rate is 27.9% with the possibility of reduction to 23.9%.
Sberbank credit card for 50 days: terms of use
The grace period for cards from two different banks can be used differently. Sberbank uses the “first purchase rule”. After making your first purchase, the grace period begins to count, during which you can use the funds for free.
- The client makes a cashless purchase.
- The bank debits funds from the card balance equal to the purchase amount without accruing interest.
- Over the next 50 days (including the day of purchase), the client deposits the purchase amount to the card balance.
In fact, the grace period fully applies only to the first purchase. For all subsequent purchases, it will decrease in proportion to the number of days remaining until its expiration.
Having made a purchase on the 1st, the user must pay for it in full by the 21st of the following month. In this case, the duration of the grace period will be a full 50 days.
If the second purchase was made on the 10th, then the user will have to pay for it by the 21st of the next month. Here the duration will be shorter - 40 days.
You can make payments in any amount, but not less than 5-7% of the total amount of expenses per month.
Interest is calculated upon expiration of the grace period. From the example given, interest will accrue from the 22nd.
PJSC Sberbank of Russia is the most popular domestic financial structure, providing clients with the opportunity to receive services both in any branch and online - using a web browser or a convenient mobile application. Recently, a citizen who already has a bank account or is just about to open one can order (a unique product that definitely won’t get lost among other “plastics”) or make a long-term deposit on even more favorable terms - in rubles, in foreign currency or one of precious metals. The bank's special offer is to issue a credit card with a grace period of 50 days.
Getting it is no more difficult than; the benefits from using the product are obvious. The holder gets the opportunity not to overpay on interest and not to worry about penalties from the bank, and all this - in a few minutes of free time spent on filling out the application. Below we will describe the conditions for obtaining a Sberbank credit card with a grace period of 50 days.
Sberbank credit card for 50 days - conditions
The rules for using a “preferential” credit card, like those, are given on the official website of the financial structure. The offer currently applies to five products:
- classic map;
- card under special conditions;
- premium card;
- Aeroflot cards (three formats are provided - Classic, Gold and Signature);
- “Give Life” cards (two formats - Classic and Gold).
The terms of the 50-day grace period are the same for all these products:
- During the reporting interest-free period equal to 30 calendar days, the holder of the “plastic” makes purchases, and the system records his actions in order to generate regular reports.
- The interest-free grace period, equal to 20 calendar days, begins to count immediately after the end of the next reporting period, overlapping with the new one; During this period, the Sberbank client has the opportunity to repay the debt without overpaying interest.
- Both periods, reporting and benefit, are combined into a cycle, which is 50 days. Due to the fact that the interest-free grace period begins simultaneously with the new reporting period, the buyer may not pay interest at all - the main thing is to meet the repayment of the debt for each purchase within the specified period.
- If more than 50 days have passed after making a purchase (withdrawing money from a Sberbank credit card account), the holder will have to pay interest in accordance with the concluded agreement for each day of delay.
Important: You can pay with a card with a grace period of 50 days in any store, entertainment center or other institution, regardless of whether it is a partner of Sberbank. The latter, as in the case with, only determines the accrual of bonuses and cashback, but not the duration of the specified period.
Conditions for receiving an “interest-free” card:
- The recipient must be a citizen Russian Federation. Stateless persons, those with a residence permit, or foreign nationals cannot count on receiving a credit card.
- The lower age limit for a client wishing to take advantage of the offer is 21 years old at the time of signing the contract. Upper - 65 years; Upon reaching this age, obtaining a Sberbank credit card with a grace period of 50 days is impossible.
- A citizen who applies for a product must have temporary or permanent registration in any subject of Russia, regardless of its remoteness.
- The only document required to issue a credit card is a citizen’s passport of the established form.
- At the time of signing the agreement, the applicant must not have any other credit cards issued by Sberbank.
- To use certain products with a grace period of 50 days, including Aeroflot cards, prior approval of the bank is required. In addition, the received approval gives the client the right to apply a lower interest rate relative to the standard one and a lower annual service cost for expenses on the card, and sometimes an increased credit limit.
Conditions for using a credit card with a 50-day interest-free period vary depending on its type; on average they are as follows:
- international payment standards used - Visa and MasterCard (optional);
- The currency used for card transactions is Russian ruble;
- Product validity period is 3 years from the date of release;
- interest rate - from 23.9% to 27.9% per annum;
- cost of service - from 0 rubles (upon receipt of preliminary approval from Sberbank) to 4900 rubles per year;
- credit limit - 300 thousand rubles (public offer) or 600 thousand rubles (personal offer); for a premium card – 3 million rubles;
- There is no possibility of issuing additional credit cards.
Important: the client has the opportunity not only to withdraw money from the product within the credit limit, but also to store his own money on it, and also receive it with a grace period of 50 days.
How to get a SB credit card with a grace period?
You can order a Sberbank credit card directly at a branch of a financial institution or in your Sberbank Online personal account. In the first case, all the visitor needs is to come to the office with a passport, wait for his turn and write an application for registration of the product, and then receive it.
Frequently Asked Questions
A credit card from Sberbank with a grace period of 50 days is a really useful and easy-to-manage product, the use of which, however, may raise a number of questions for the holder. Answers to the most common ones are given below.
How to find out the credit limit amount?
The user can see how much loan is currently available:
- by sending the text message “Balance XXXX”, where XXXX is the final four digits of the credit card number shown on the front side, to the unified service number of Sberbank 900;
- by logging into your personal account in the Sberbank Online system - information on all bank products is displayed on the main page;
- going to the same name mobile application, running Android or iOS;
- by inserting the card into the slot of the branded ATM and following further instructions on the device screen.
Important: in the latter case, the cardholder will have to enter a PIN code; It’s better to do this without the presence of strangers, and if this is not possible, at least cover the keyboard with your other hand, preventing possible attackers from seeing the combination of numbers.
What is the cash withdrawal fee?
In some cases (in particular, when applying for a Premium card), the client will not have to pay absolutely anything for withdrawing cash. For other credit cards, the fee for issuing funds is:
- at Sberbank's own ATM - 3% (at least 390 rubles, regardless of the amount);
- at third-party ATMs - 4% (at least 390 rubles, regardless of the amount).
Important: For emergency cash withdrawal abroad, the cardholder will have to part with a much larger amount - 6,000 rubles.
How is the interest-free period calculated?
The principles for calculating the interest-free grace period are described above. To clarify the situation, it is worth considering two small examples.
Example one. The product was issued (and the reporting period began) on October 1, 2018. If the buyer made the purchase on October 2 of the same year, the bank gives him exactly 50 days to repay the debt without paying interest - until November 21, 2018.
Example two. The grace period of 50 days began to count from the same date, October 1, 2018, but the holder made the first expenditure on the card on November 1, 2018. In this case, since the new reporting period has not yet begun, the Sberbank client should try to repay the debt within 20 days, that is, before November 21 of the same year. Otherwise, he will have to pay interest for each day following the specified date.
Important: Each purchase within the 50-day interest-free period is a separate transaction that cannot be combined with others and has its own repayment period. So, if the first purchase was made at the beginning of the reporting period, the user, regardless of other conditions, is given more time to pay for it than for purchases in the middle or end of the same period.
The cardholder can see exactly how long it takes to return the money to the bank on the official website of Sberbank by following the link sberbank.ru. A convenient online calculator allows you to calculate the timing for each operation separately, displaying them sequentially in a common window.
Let's sum it up
A credit card from Sberbank with a soft loan of 50 days gives the holder the opportunity to pay for purchases made on credit within the specified period without interest. If the holder was unable to meet the allotted time, he will have to transfer interest to the bank in accordance with the terms of the agreement. The card is valid throughout Russia and abroad without reference to partner organizations.
To receive the product, you must have Russian citizenship, permanent registration, be at least 21 years old and not older than 65 years old. Pre-approval from Sberbank increases the client’s chances of receiving a lower interest rate and an increased credit limit. You can submit an application for product registration online or at any branch of the financial structure; To pick up the card, the user will have to come to the bank office in person to pick it up.
Hello, dear readers.
As you have probably already noticed, the topic of credit cards is inexhaustible - we can talk about it for a very long time. I have already talked about various profitable options that feature free service, issuance, as well as benefits when purchasing from specific sellers (for example, Aliexpress). Well, it’s time to talk about the best “credit cards”, using which you don’t have to pay interest.
What does it mean to not pay interest?
It’s worth making a reservation right away - such “credit cards” that imply that the holder may never pay interest at all, of course, do not exist. At least, they are not in the lists of offers available to the average client: perhaps they are issued for regular clients of the bank and are addressed to them individually, but I do not consider such products.
What do they mean when they say “free credit card” (meaning you don't have to pay interest)? It's simple - we are talking about the so-called "". The fact is that almost all banks have in their product line “credit cards” with a grace period - a time during which interest is not accrued. It is quite possible to use them: contrary to opinions that this time lasts literally 1-2 weeks, today on the market you can find cards with a grace period of up to 4 months.
I’m going to talk about similar and other profitable offers today.
TOP 10 best credit cards without interest
To make it convenient for you to quickly view the conditions and decide which card to issue, I have summarized the conditions for all products in one table.
| № | Map | Interest-free period | Bid | Service | Credit limit |
|---|---|---|---|---|---|
| 1 | 55 days | from 12.9% per annum | 590 rubles/year | 300 thousand rubles | |
| 2 | up to 100 days | from 23.99% per annum | from 1190 rubles/year | 300 thousand rubles | |
| 3 | up to 1 year | from 29.9% per annum | for free | 300 thousand rubles | |
| 4 | up to 1 year | from 0.03% per day | for free | 300 thousand rubles | |
| 5 | up to 1 year | from 0.01% per day | for free | 350 thousand rubles | |
| 6 | Post Bank "Element-120" | 120 days | from 27.9% per annum | 900 rubles/year | 500 thousand rubles |
| 7 | Supercard+ | up to 62 days | No | 500 rubles/month | 1 million rubles |
| 8 | Cash | up to 50 days | from 29% per annum | 890 rubles/year | individually |
| 9 | VTB-24 | up to 50 days | 28% per annum | free (for purchases > RUB 10,000) | 300 thousand rubles |
| 10 | Platinum(OTP-Bank) | Up to 55 days | From 21% per annum | 7000 rubles/year | Up to 900 thousand rubles |
There is no point in commenting on what is better and what is worse. Everyone chooses an acceptable product based on their preferences and capabilities. Depending on the parameter that is most important to you, the choice of the best card will differ.
No. 1. Tinkoff-Platinum
Let's start getting acquainted with the profitable offers from the TKS-Plantium card from Tinkoff Bank.
What does it mean to not pay interest? You will understand what it is by ordering a Platinum card from Tinkoff Credit Systems. After all, the bank offers excellent conditions:
- “no interest” period - 55 days
- minimum payment per month - 6−8% of debt
- rate - 13−30% per annum
- maintenance (per year) - 590 rubles
- cash withdrawal - 2.9% of the amount + 290 rubles.
Tinkoff Platinum is a great product for many customers. The card is suitable for those who are not used to waiting for a salary, but want to buy new things now. Those who are accustomed to planning a budget will also appreciate Tinkoff’s offer: a 55-day grace period is a guarantee that the money will always be on hand.
How to get it?
At Tinkoff, card issuance is set up so as to take a minimum of time from clients. Date, meeting place - you indicate all this in the bank application, and the courier will adapt to you.
Half an hour of time for documents, photography and activation - and the “plastic” can be used without restrictions!
No. 2. “100 days without %” from Alfa-Bank
Do you want to use your credit card for 100 days without interest? There is a solution to your question, and its name is the “100 days without%” card, issued by Alfa-Bank.
What can you say about the terms of the offer? Judge for yourself:
- duration of the interest-free period - up to 100 days
- minimum monthly payment - 5% of the debt amount (at least 320 rubles)
- loan rate - from 24% per annum
- card issue - free
- maintenance - 990 rubles per year
As you can see, the conditions are some of the best on the market. What stands out, of course, is the duration of the grace period - it is one of the highest here. However, the popularity of the Alfa-Bank product is not only due to this: customers order “plastic” also because of the low interest rate, free issue and small minimum payment.
How to get
The procedure for obtaining a credit card is standard. You will need to leave an application on the website (this is done in 10 minutes and requires only one document - a passport), confirm your compliance with the bank's requirements (you must be over 18 years old and have an official income of 5 thousand rubles or more) and wait for a preliminary decision.
If it is positive (you will find out from the SMS), you can go to the office (take your passport and one of the documents - SNILS, compulsory medical insurance, license, international passport or TIN) and find out the final verdict. Most likely, the bank will approve the application, and on the same day you will be able to use your new card for purchases.
Customer Reviews
What do experienced Alfa-Bank clients who are already taking advantage of this advantageous offer say?
Reviews about the “100 days without interest” card are very diverse - you can find both good and bad opinions.
As for the positive aspects of the offer, clients, of course, note the long grace period and ease of use of the card: there are ATMs in many places, and if problems arise, you can always contact the branch.
However, there are also negative impressions.
They mainly concern the lack of benefits when using the card (and this is true - there is no cashback here) and the accrual of interest, which the client was not informed about or did not know for other reasons. To use the “100 days without %” card and receive only positive emotions, be sure to carefully read the terms of the contract - everything is indicated in them (even if not very clearly).
No. 3. Installment card from Home-Credit
The “youngest” of all the cards in the review is a card from Home Credit Bank. It's time to get to know her in more detail.
With an installment card, you can pay for goods not immediately, but over several months. At the same time, you will not overpay anything - the purchase price is simply divided by the number of payments.
For example, a phone that you really want to buy costs 30 thousand rubles. By spreading the payment over 3 months, you will pay 10 thousand rubles. There is no “top” percentage - you pay exactly the same amount as the equipment costs.
The terms of service for the installment card from Home Credit Bank are as follows:
- “no interest” period - 3 months (for any purchases), 4−12 months (with bank partners)
- rate - 29.9% per annum
- SMS - free
The picture is slightly spoiled by the fact that you cannot get cash, but this is not the most significant drawback. Even in small towns, “bank transfer” is often accepted, but in large towns not a single seller works without it.
How to use?
Using an installment card from Home Credit, goods can be purchased directly from the website. The algorithm is simple:
- choose what you want to buy (currently only equipment is available on the site)
- submit an application for installment plan
- waiting for a call from a bank employee
- fill out a loan agreement
- You receive the goods from the courier directly at your home or work.
Naturally, no one canceled regular purchases in stores. The Home Credit installment card is accepted wherever there are non-cash payment terminals.
How to get it?
There are two ways to get a card from Home Credit:
- Come to the office in person.
- Order online.
If you choose the Internet, you will spend much less nerves and time - going to branches (of which, by the way, there are very few) is inconvenient and can take several hours.
However, you still have to visit the office to receive “plastic”. Having received an unnamed card (and by default, clients are issued unembossed cards - that is, those without a name), immediately order a personalized one. Today, 3-4 days of difference (that’s how long the bank needs to issue a card with the holder’s first and last name) is not worth it to receive a product that is unsuitable for payment on the Internet.
No. 4. “Conscience”
A worthy place among the best cards without interest is occupied by “Conscience” from Qiwi Bank.
Like the previous product, “Conscience” is an installment card. This means that with its help you can purchase goods, paying their cost later and without a markup.
- free release and maintenance
- SMS - 0 rubles
- credit limit - 300 thousand rubles
- rate - 0.03% per day (only after the installment plan ends)
- installment period - 1−12 months
- Cash withdrawals are not permitted.
As in the case of Home Credit, you will not be able to withdraw money from Conscience. However, the proposal has advantages that easily outweigh this disadvantage.
For example, you want to buy a new TV without leaving home. With “Conscience” this is as easy as shelling pears: go to the official website, choose a store, pay for the goods and get an installment plan. It turns out that going to shopping centers in pursuit of profit is not at all necessary!
How to get it?
Banks are focusing on the Internet, and Qiwi is no exception.
The card ordering service is available on the official website. Enter information about yourself (full name, passport information, contacts, income) and wait for the bank’s decision. After approval (a Qiwi specialist will inform you about this in a call), the card will be immediately issued and sent to you.
All that remains is to receive and activate the “plastic”. You coordinate the meeting time with the courier via the app or by phone. Activation is also very simple: the PIN will be sent via SMS after you send the card number to 5125.
How to top up?
There are six ways to deposit money into your Conscience account without commission:
- via Qiwi wallet
- in cash at Euroset
- in cash at Svyaznoy
- in cash via Contact service
- cash through Qiwi terminals
- cash at Mobile-Element.
If all the methods are inconvenient, you can use the replenishment form from cards of other banks - it is on the Conscience website. Qiwi Bank does not charge a commission for the transaction, but your bank may well do this.
No. 5. “Halva”
Another installment card, also beneficial for active users of banking services, is “Halva” from Sovcombank.
“Halva” appeared a little later than “Conscience” (but earlier than the card from “Home Credit”), and many of the shortcomings in it were taken into account.
The terms of service are as follows:
- limit - 350 thousand rubles (you cannot take out installments for more than this amount, even if there are several loans)
- Installment period - 1−12 months (depending on the store)
- cashback - 8.25% per annum (only with partners)
- interest on the balance - 1.5% per annum (only on your own money)
- Cash withdrawal is free (at Sovcombank ATMs)
- SMS - free
- Card issue, service - free
It is “Halva” among the installment cards that is recognized as the best in terms of conditions. Only here there is cashback and interest on the balance, and the affiliate network is the largest (53 thousand stores). You can, if necessary, withdraw cash from Halva, but you won’t be able to do this with Conscience and the Home Credit card.
How to get it?
To start enjoying the benefits of Halva, you need to receive it. You can do this in two ways:
- via the Internet
- through the office.
In the first case, the card will be delivered by a courier, in the second you will have to walk to the branch (there are more than 2 thousand of them throughout Russia).
No. 6. VTB-24 bank card
Surely many readers of this article want to get a “credit card” from one of the largest banks in the country - lower interest rates, best conditions repayment, positive credit history. A credit card from VTB-24 Bank can help you achieve this goal.
Let's look at the terms of service for this product:
- grace period - up to 50 days
- credit limit - 300 thousand rubles
- rate - 28%
- - 1% (for all purchases)
- free banking service (if you make purchases worth 10 thousand rubles or more monthly)
- registration fee - 75 rubles
If you want to use the bank's money for 50 days without interest, then the VTB24 card is exactly what you need. You can use “plastic” completely free of charge: if you take a card for purchases, you will fulfill the minimum spending requirement automatically; if not, try paying with the card in stores sometimes, and you can also get rid of the service fee.
The terms of a credit card without interest from VTB24 stipulate that only those borrowers who are aged 20-68 years and have an official income of at least 20 thousand rubles per month can receive it.
How to get it?
Accordingly, to issue a card you will need the appropriate documents - an identity card and a certificate of income (for example, in form 2-NDFL). If you do not submit them for consideration, you will not be able to take out a loan on a credit card from one of the largest banks in the country.
No. 7. “Element 120” from Pochta-Bank
The next interest-free credit card included in today’s review is “Element 120”, issued by Pochta-Bank.
Despite the fact that the offer arose quite recently, it has already gained popularity among customers. Why did this happen? Of course, the following conditions:
- interest-free period - 120 days (maximum)
- monthly payment - at least 5% of the debt amount (in addition, you need to pay “accrued” interest and other payments)
- credit limit - 500 thousand rubles
- loan rate - from 27.9% per annum
- commission for cash withdrawal - 5.9% of the amount (but not less than 300 rubles)
- cost of service - 900 rubles/year (in the first year a commission will be charged for issuing the card, banking service will be free)
Today on the banking services market there is no card without interest, the grace period of which would be longer than that of Element 120. Thanks to this, the card is ideal for active shopping lovers: with a product from Pochta-Bank, you can not put off purchasing the item you like for several months, but please yourself today!
Online Buyer Package
What else is interesting about the Post-Bank card 120 days without interest? Especially for those who actively make purchases on the Internet, Pochta-Bank offers to sign up for the “Online Buyer Package”. The offer is truly unique: today there is nothing like it anywhere (at least in Russia).
What is the essence of the package? By registering for the service and paying its cost, the cardholder receives:
- purchases at the lowest price - if after paying for the goods it turns out that it costs less in another store, the difference will be compensated for by “plastic”
- no need to pay for repairs - in case of delivery of a defective product, Pochta-Bank will compensate for the costs of its restoration
- free delivery to the seller - if the received product is not suitable, you can send it back and compensate for the delivery cost by paying with an “Element 120” card with the connected package.
How to get
As for registration, you can leave an application directly on the website. The bank will require passport data, employment information and other information. After processing the data, you will receive an SMS indicating that the card has been issued and delivered to the desired branch. Having chosen a convenient time, you can collect the necessary documents and go to the office, where bank specialists will issue papers and a card.
No. 8. “Supercard+” from Rosbank
The next banking product that will be discussed in today’s review is “Supercard+” from Rosbank.
The bank offers the following terms of service for “Supercard+”:
- grace period - up to 62 days
- loan rate - 26% per annum
- credit limit - up to 1 million rubles
- Cashback - 1%
- Maintenance cost - 1500 rubles per year
Of course, with such conditions, this offer should become very popular among customers. Almost all the main points are at least no worse than those of competitors. For example, Rosbank has a very large credit limit: very few are willing to lend holders up to 1 million rubles financial institutions. The same applies to the grace period - although it is not a record one, it is 7-10 days longer than in most other banks.
The only thing that is a bit confusing is the cost of servicing (1.5 thousand annually, and there are no conditions under which you can get rid of this amount), but it is more than compensated for by cashback - if you use the card regularly, you will not only “recoup” the costs of banking services , but also get a small benefit.
Rosbank offers very favorable conditions for Cashback to everyone who has just issued a card. For the first three months of using plastic, 7% of the cost of any purchase will be returned to the card account. After this period, the size of the bonus for purchases will decrease to 1% (although you can continue to receive increased cashback from your “favorite” purchases).
How to get
All that remains is to figure out the procedure for obtaining a card and the necessary documents. Due to the fact that the card has an increased credit limit, it is not so easy to get it.
You need to submit an application to the bank for a credit card. This can be done in two ways: online or at a bank branch. In most cases, clients choose the first option: it’s easier, faster, more convenient, and Rosbank doesn’t have many branches.
When submitting an application, you must attach the following documents:
- statement
- copy of passport
- certificate confirming solvency (document in forms 2-NDFL or 3-NDFL, as well as paper in bank form)
- an employment contract or a copy of the work book, certified in the prescribed manner
In addition, you must meet the following requirements:
- have a residence permit in the region where the bank is present
- have a regular income
- be a citizen of the Russian Federation
Receive a positive decision from the bank, a package with documents and a card.
As you can see, the requirements, although they seem complex at first glance, upon detailed examination turn out to be quite acceptable and realistic for compliance. If you want to get a “credit card” and you match the profile of the desired client, feel free to order a card and use a large credit limit!
No. 9. “Cash” card from Raiffeisenbank
Non-cash purchases, deposits, loans... All this, of course, is good, but no one has yet canceled the good old cash.
Enough large number Bank clients today continue to withdraw cash and pay with it, and in many places non-cash payments are not yet accepted.
How to solve this problem? Credit cards without interest for cash withdrawals will help you forget about difficulties.
An ideal option for those who want to use bank funds without losing money on interest. The terms of service are defined as follows:
- loan rate - from 29%
- grace period - up to 50 days
- card issuance - on the day of application
- Cash withdrawal is free
- the ability to use SMS Bank for remote transactions with the card account
If you take out a “credit card” specifically to withdraw money without interest, then the offer from Raiffeisen Bank is perhaps the best for you. If you decide to become a client of the bank, you will not only not pay interest for withdrawing funds from your account (by the way, this can be done at ATMs of both Raiffeisen and partners), but also use the bank’s money completely free of charge (if you comply with the grace period) .
Another important advantage of the product is instant disbursement - very convenient if you need money right now.
Potential clients of Raiffeisen Bank must meet certain requirements. Their list is listed below:
- Having citizenship of the Russian Federation
- Age 25−60 years (for male borrowers), 25−55 years (for female borrowers)
- Minimum work experience at last place of employment - 6 months
- Minimum official income - 25 thousand rubles
- Availability of a landline telephone at the workplace
- Availability of registration and place of employment in the place where there is a Raiffeisen Bank branch
The list of requirements is quite extensive, but don’t be afraid - satisfying them is not as difficult as it seems. True, before issuing a card you will have to run around - compliance with each item must be documented.
No. 10. “Platinum” card from OTP-Bank
First, as always, let's talk about the terms of service. I have highlighted the most important of them in the list below:
- credit limit - up to 900 thousand rubles
- interest rate - from 21% (in rubles)
- maintenance cost - 7000 rubles per year
- grace period - up to 55 days
- minimum payment - 5% of the debt amount (minimum 300 rubles)
- free withdrawals from OTP-Bank ATMs (maximum 300 thousand rubles per day, 2.5 million per month)
As you can see, the “Platinum” card is not designed for everyone: the very high cost of service is a deterrent. It is partly compensated by low interest rate: if you regularly use a credit card and spend large sums on purchases, then a rate of 21% (for comparison, in most other banks it is about 30%, or even more) can “recapture” the costs of banking services.
“Platinum” is a prime example of a card with interest-free cash withdrawal. Since withdrawal limits are quite high, and the grace period is one of the longest on the market, it is often issued specifically for cashing out funds: paying 7 thousand for service once a year can be much more profitable than constantly paying several hundred for withdrawals of even small ones sums
How to apply
You cannot issue a Platinum card via the Internet: the bank requires a whole package of documents to confirm the possibility of issuing the card.
If you have a desire to use a loan product from OTP-Bank, collect all the necessary papers (identity card, 2-NDFL certificate, application, copy of employment document certified within last month before the submission date) and go to the nearest branch.
Conclusion and conclusions
Cards, thanks to which you can use bank money without interest (even if only for a certain time) are an excellent opportunity to deal with debts, improve your financial condition and increase confidence in the future.
When choosing a card and specifying the ability not to pay interest as the main condition, be sure to look at how long the grace period lasts and how it is calculated. Depending on the bank and terms of use, it can be from 20 to 120 days.
Often, for cards with long interest-free periods, banks make greater demands on borrowers than for other “plastic” credit products. It is worth preparing for this in advance: a certificate of income, registration information, a copy of the employment record - most likely, the bank will request these documents (or copies thereof) for more detailed study.
The grace period is one of the most important characteristics of credit cards, but it is far from the only one. Today you can get benefits even if you have a credit card with a very long interest-free period. Therefore, you should not dwell on a proposal that is of interest only from this point of view: perhaps there is a product that, based on the totality of conditions, is much more profitable (even if it has a shorter grace period).
That's all I wanted to tell you today about interest-free credit cards. Be sure to ask your questions about the topic of the article in the comments. Experience using the cards described in the article will also be useful. Well, I say goodbye to you, but not for long - there are still a lot of informative and useful articles ahead of us.
