Editorial Review: Ak Bars Bank 115-day interest-free credit card

"115 Days 0% Credit Card from Ak Bars Bank" is a "Classic" category bank card with a long interest-free period for credit funds. Below is an editorial breakdown of the product's parameters based on the Sravnim24 card data: without evaluating personal experience, without promises of approval, and without assumptions about what terms the bank will apply specifically to you.

Terms and important parameters

The characteristics specified in the product card are listed below. The final terms are always determined by the bank and may differ from those stated in the review and change over time.

• Product type: bank card, category — "Classic".
• Interest-free period: 115 days.
• Credit limit: the card specifies 300,000 RUB; the actual limit is determined by the bank individually.
• Maintenance: 0 RUB (according to the card data).
• Cashback: 20% (according to the card data).
• Age: from 18 years old.
• Income documents: application without income certificates is stated.
• Preliminary decision time: from 15 minutes.
• Additional features: with cashback, 0 RUB maintenance, no income certificates required, available from 18 years old.

The figures indicated are the parameters of the offer, not a guarantee of the result. Before making a decision, check the current conditions in the product card and with the bank.

Who it may suit

The card format is focused on typical credit usage scenarios. Based on the totality of the stated parameters, the product may be of interest to those who:

• are looking for a card with a long interest-free period — the card specifies 115 days;
• do not want to pay for maintenance, as the parameters indicate 0 RUB;
• are considering applying without income certificates;
• have reached 18 years of age and meet the basic borrower requirements of the bank;
• are interested in cashback — the card indicates 20%;
• would like to receive a quick preliminary response — the stated time is from 15 minutes.

This is merely a description of the profile that matches the stated features. Meeting the card parameters does not guarantee that the bank will approve the application.

What to check before applying

Before filling out the application, you should check the card details against the bank's documents to avoid discrepancies