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My Freedom credit card from UBRD
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Articles about installment cards
About the card
"My Freedom" is one of the most popular credit cards of 2024. UBRD offers favorable maintenance terms for it: a credit limit of up to 700,000 RUB, an interest-free period of up to 120 days, free card usage, cashback of up to 35% on purchases, and much more.
Terms
Issuance of the main card, as well as its reissuance due to expiration or at the bank's initiative, is always free. The bank also charges no card maintenance fee.
Additionally, you can opt in to transaction alerts. The cost of the service is 129 RUB per month.
The credit limit on the card ranges from 15,000 to 700,000 RUB. It is determined for each borrower on an individual basis.
The card features an interest-free period of up to 120 days. It applies to purchases only.
The minimum monthly payment on the credit card is 3% of the debt amount, but not less than 600 RUB.
The bank does not charge interest on purchases made within the interest-free period. Outside the grace period, UBRD charges from 11.9% per annum on purchases and 89.99% per annum on cash withdrawals and transfers.
If the minimum payment is missed, the bank charges a penalty of 20% per annum on the overdue debt amount.
For cash withdrawals and transfers, you will need to pay a fee of 5.99% of the transaction amount, but not less than 600 RUB.
By paying with the credit card, you can earn cashback of up to 35% on purchases at UBRD partner stores.
Borrowers who meet the following requirements can apply for the credit card:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged from 19 to 75 years;
- have a work experience at their current job of at least 3 months for individuals and at least 12 months for sole proprietors;
- have no overdue debt on current loans.
To obtain the credit card, you only need to provide a Russian passport. However, the bank may additionally request documents confirming your income and employment.
Pros:
- free issuance and reissuance of the main card;
- free card maintenance;
- large credit limit — up to 700 thousand RUB;
- long grace period of up to 120 days;
- cashback accrual of up to 35% of the purchase value;
- the opportunity to get a card at 19 years old;
- the ability to apply using a single document.
Cons:
- high interest rate outside the interest-free period starting from 11.9% per annum;
- high fees for cash withdrawals and transfers;
- the bank may request documents confirming income and place of employment.
How to apply
You can apply for a credit card at a UBRD branch or online via the bank's official website. In the first case, you need to visit the credit organization's office with the necessary documents. To apply online, you need to:
- go to the UBRd website;
- click the "Order Card" button;
- specify the desired credit limit, check the box, enter your mobile phone number, and at this stage you can also log in via Gosuslugi, which adds +35% to the likelihood of application approval;
- click the “Next” button;
- provide your last name, first name, patronymic, date of birth, email address, marital status, passport details, registration address and actual residential address, and an additional contact;
- click the “Next” button;
- provide employment details;
- click the “Next” button.
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