How to choose a bank card: "SVOYA Credit Card from Rosselkhozbank"

The SVAYA credit card from Rosselkhozbank is a classic segment bank card with a 120-day grace period and 0 RUB maintenance fee. Sravnim24 has gathered the product parameters so that you can check them against your own needs and compare them with other market offers.

Terms and important parameters

Below are the card features listed in the product card.

• Credit limit: up to 1 000 000 RUB
• Interest rate: 45.9%
• Maintenance fee: 0 RUB
• Grace period: 120 days
• Cashback: 10%
• Application review time: from 15 minutes
• Validity period: 3 years
• Category: Classic
• Features: no income certificate required, with cashback, 0 RUB maintenance
• Payment systems: two payment systems are supported

Who it may suit

The card may be of interest to those looking for a product with no annual maintenance fee and a long grace period. It is also worth noting the option to apply without income verification—this is convenient if you do not want to gather extra documents.

The availability of cashback makes the card relevant for regular purchases: part of the expenses can be returned as bonuses. At the same time, it is important to remember that the final terms, including the limit amount, are determined by the bank individually for each application.

What to check before applying

Before applying, it makes sense to check the current terms on the bank's website and clarify details that affect your savings.

• Which transactions fall under the grace period and how exactly it is calculated
• Which purchases earn 10% cashback and whether there are category restrictions
• What limit the bank can offer based on your application
• How interest is calculated if you fail to repay the debt within the grace period
• Current tariffs and the agreement edition at the time of application

How to compare with alternatives

To choose the right option, it is helpful to compare the SVAYA card with other credit cards by key parameters.

• Maintenance cost — 0 RUB or a fixed annual fee
• Duration of the grace period — 120 days stated here
• Interest rate — 45.9% according to the card details
• Cashback amount and accrual terms
• Maximum credit limit
• Requirement to confirm income with documents

On Sravnim24, you can open a product card and compare it with other bank cards using these parameters: SVOYA credit card from Rosselkhozbank.

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