Beeline 60 Days Without Interest credit card from Alfa-Bank

Issuance of the main card, as well as its reissuance due to expiration or at the bank's initiative, is always free. You will need to pay 990 RUB per year for card maintenance starting from the second year of use.

Additionally, you can enable transaction alerts. The cost of the service is 159 RUB per month. Transaction alerts are free for the first two months of maintenance. 

The credit limit on the card ranges from 10,000 to 300,000 RUB. It is determined for each borrower on an individual basis.

Purchases made during the first 30 days of service are subject to a 1-year grace period. Starting from the 31st day, the interest-free period is standard — up to 60 days. It applies to purchases, cash withdrawals, and transfers. There is also a grace period of up to 100 days for paying off debts on credit cards issued by other banks.

The minimum monthly payment on the credit card ranges from 0% to 10% of the debt amount, but not less than 300 RUB.

The bank does not charge interest on purchases, cash withdrawals, and transfers made within the grace period. Outside the interest-free period, Alfa-Bank charges from 11.99% per annum on purchases and from 69.99% per annum on cash withdrawals and transfers.

If the minimum payment is overdue, the bank charges a penalty of 0.1% per day on the overdue debt amount.

You can withdraw cash for free at any ATMs up to 50,000 RUB per month. For exceeding this limit, you will need to pay a fee of 3.9% of the transaction plus 390 RUB. The transfer fee is 5.9% of the amount plus 150 RUB.

By paying with your credit card, you can earn cashback on purchases:

• from 1% to 5% cashback on purchases in selected elevated cashback categories;
• up to 33% on purchases at Alfa-Bank partner stores.

You can also win up to 100% cashback on purchases made with the Alfa-Card. To participate in the sweepstakes, open the Alfa-Bank mobile app, go to the "Cashback and Privileges" section, and click the "All Your Cashback" button.

In addition, you can get 1,000 RUB back on a purchase of 2,000 RUB or more at Beeline stores and online shop, as well as Pyaterochka, Pyaterochka Dostavka, and Perekrestok stores.

Borrowers who meet the following requirements can apply for the credit card:

• are citizens of the Russian Federation;
• have permanent registration, actual residence, and a place of work in the region where the bank operates;
• aged 18 and older;
• have a stable income of at least 5,000 RUB after taxes.

To get a credit card with a limit of up to 150,000 RUB, you only need to provide a Russian internal passport. For a limit from 150,000 to 200,000 RUB, an additional document of your choice is required:

• international passport;
• a driver's license;
• A TAX ID (INN);
• A INSURANCE NUMBER (SNILS);
• mandatory medical insurance policy (OMS);
• debit or credit card from any bank.

For limits starting from 200,000 RUB, a document confirming income is required.

Pros:

• free issuance and reissuance of the primary card;
• high credit limit — up to 300,000 RUB;
• free cash withdrawals up to 50,000 RUB per month;
• cashback of up to 33% of the purchase amount;
• opportunity to get 1,000 RUB back on purchases of 2,000 RUB or more;
• possibility to obtain the card at 18 years old;
• can be applied for with just one document;
• home delivery of the card by courier.

Cons:

• high interest rate outside the grace period — starting from 11.99% per annum;
• high fees for cash withdrawals and transfers;
• additional documents must be provided to obtain a credit card with a limit starting from 150,000 RUB.