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Classic Credit Card from Alfa-Bank

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Credit limit
Credit limit
500 000 ₽
Rate, %
Rate, %
from 11.99 %
Cost
Cost
from 590 RUB
Interest-free
Interest-free
up to 100 days
Cashback
Cashback
10%
Decision
Decision
From 2 min
Classic Credit Card from Alfa-Bank
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Updated: 14.10.2024

About the card

Why it is profitable to get the Alfa-Bank "100 Days Without Interest" Classic credit card

Convenient account, favorable interest rates, extensive usage features of the Alfa-Bank "100 Days Without Interest" Classic credit card make this banking product popular among borrowers. The product has all the features of a true payment instrument, including a real bank current account, a grace period of 60 to 100 days depending on loan terms, a convenient deposit account for management, internet banking, and a mobile app.

The borrower can apply on favorable terms for the Alfa-Bank "100 Days Without Interest" Classic credit card, after filling out an application form and reviewing the financial institution's commercial offer.

 

Application terms for the Alfa-Bank "100 Days Without Interest" Classic credit card

Once you have obtained the Alfa-Bank "100 Days Without Interest" credit card, the terms provide for the following management of the banking product:

  • Card standard - Classic / Standard.
  • Payment systems: Visa or Mastercard.
  • Validity period of the banking product: 24 months.
  • Minimum credit line: 5,000 RUB.
  • Maximum lending threshold: 500,000 RUB.
  • Interest rate: 11.99%, but not more than 39.99% per annum.
  • Annual maintenance: 590 RUB; when ordering a second card, the maintenance fee is 1,190 RUB.
  • Grace period: 60 or 100 days, specified individually upon application approval.
  • Mandatory payment: from 3% to 10%, but not less than 300 RUB (specified in the agreement).
  • Cashback – not provided.
  • Cash withdrawal fees: free for amounts up to 50,000 RUB, over that amount: 5.9%, but not less than 500 RUB.
  • Application review time: no more than 2 minutes (application review may occasionally be extended by 48 hours).
  • Contactless payment availability: PayWave.
  • 3D Secure system support: yes.
  • Delivery method: bank branch.

Terms

According to Alfa-Bank's marketing policy, applicants for the Classic 100 Days Without Interest credit card must meet the following requirements:

  • Russian citizenship, as confirmed by an identity document (passport).
  • Minimum borrower age is 18 years; maximum age is determined individually.
  • Confirmation of a permanent source of income. For Moscow: 9,000 RUB; for other regions of Russia: 5,000 RUB (amount is considered after tax deductions).
  • Having a mobile contact phone and a landline phone if available at the place of stay.
  • Availability of work phone numbers (HR department, accounting, etc.).
  • Permanent registration in the service area of the bank branch, including within a radius of up to 120 km. In some cases, the bank independently specifies your residential range for picking up the card at a bank branch.

Pension-age citizens can also participate in lending. Provide your details and pension accruals from the Pension Fund in the application form. A bank representative will review your application individually.

  • Age: 18-70 years.
  • Citizenship: Russian Federation.
  • Registration: permanent within the Russian Federation.
  • Mobile phone.
  • Contact phone number at the workplace.
  • Employment: Mandatory.
  • Income: from 5,000 RUB.
  • Identity document: Russian citizen passport.
  • 2-NDFL certificate from the employer confirming income.

To apply for the Alfa-Bank Classic 100 Days Without Interest credit card, we recommend reviewing the offer on the credit card comparison website. Study the offer and specify your region of residence to submit a credit card application. Currently, bank branches are located in almost all regions of Russia, but you should take into account the remoteness of your place of residence.

If you have doubts or difficulties with card issuance, call the bank's hotline and check the availability of the credit card for your city. You can also check on the bank's website in which cities, aside from regional centers, republic capitals, and krai centers, you can obtain banking payment instruments from Alfa-Bank.

If you have become the owner of the Alfa-Bank 100 Days Without % credit card, you can check your account status in the following ways:

  • By calling the hotline at any time at 8 800 200-00-00.
  • By visiting your online banking personal account.
  • By getting the information from a statement ordered at an ATM.
  • By visiting a bank branch.

The initial credit amount is determined by the bank operator after reviewing the application. The borrower can find out the approved credit limit in the following way:

  • An SMS notification will be sent to your mobile phone number.
  • In the Alfa-Mobile app.
  • By calling the hotline at any time.

The credit limit is increased unilaterally by the bank. To be eligible for a credit limit increase, the borrower must comply with all the bank's credit card terms and maintain a clean credit history.

Please note that the card does not include loyalty programs, but it offers convenient ways to withdraw cash commission-free in amounts up to 50,000 RUB.

Rates

Payment system
Visa or MasterCard
Card type
Classic / Standard
Expiration date
24 months
Minimum limit
5,000 RUB
Maximum limit
500,000 RUB

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000
Overpayment
1 000 000
Total payment amount
9 000 000
Loan maturity
15.05.2022
Monthly payments
500 000

Answers to questions

How long does it take for the bank to review an application?

As a rule, application review takes no more than 2 minutes. In some cases, the bank extends the review period by 24-48 hours.

How can I find out the results of the application review?

For residents of Moscow, the contact phone number is +7 (495) 78-888-78.
For residents of other regions, a free hotline is available at 8 800 200-00-00

How is the card delivered?

The card is delivered to a bank branch. Courier delivery is also available.

How is the card activated?

Typically, card activation occurs at the time of signing the agreement at the bank. If a courier visits you, they will explain the activation procedure.

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