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Kviku Virtual installment card
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Articles about installment cards
About the card
Online application for the instant Kviku virtual credit card
Now you no longer need to carry a physical payment medium to pay for your favorite purchases. AirLoans MFC LLC, which is the issuer of the Kviku virtual credit card, offers favorable lending terms for borrowers, featuring a grace interest-free period of up to 50 days. Despite the fact that the issuer of the virtual card is a microfinance company, the banking product has all the properties of a real financial payment instrument.
Terms for using the Kviku virtual credit card
Today, the Kviku.ru virtual credit card, issued with the assistance of AirLoans MFC LLC, allows you to obtain significant advantages for retail lending. Important benefits of using this banking product for individuals:
- The card provides for free issuance and free annual maintenance.
- The credit limit is set at up to 100,000 RUB, and the microfinance company subsequently increases it to 200,000 RUB upon the borrower's request.
- The maximum loan term under the grace period is 55 days.
- The maximum interest rate on the credit line is no more than 29%.
- To fulfill debt obligations, the borrower makes payments twice a month.
- The borrower has free access to both the mobile bank and the personal account.
- The minimum application review time is 30 seconds, and the maximum is 5 minutes.
- SMS notifications about payments are provided completely free of charge.
- To make the minimum payment, it is sufficient to pay 5% of the debt amount plus interest for the days the microloan was used.
- An impressive cashback ranging from 1% to 69% can be earned on incoming transactions.
- Depending on the credit limit, the validity period of the virtual card ranges from 30 to 366 calendar days.
For first-time borrowers of the Kviku virtual credit card, the lower limit for loan crediting is set at 15,000 RUB. Subsequently, within a calendar year of using the banking product, you can receive up to 100,000-200,000 RUB.
The grace period is set at 50 days. If the borrower withdraws and returns funds to the card account within this period, no interest will be charged.
Cashback program for the Kviku virtual credit card
To learn how to properly use the Kviku virtual credit card, borrower reviews indicate that it is enough to fill out a simple application form and then download the app for the banking product. Afterwards, you can use the card to make cashless payments. Cashback is set from 1% to 69%, including:
- AliExpress – 69%.
- Delivery Club – 12%.
- MTS – 10%.
- M.Video – 2%.
- Kupivip RU – 10%.
- myToys – 7%.
- re: Store – 1%.
- Grand-Flora.ru – 6%.
- YVES ROCHER – 11%.
- Aviasales WW – 1%.
- 220 Volt – 5%.
- AllTime – 10%.
- Tutu.ru Many GEOs – 10%.
- Mothercare – 8%.
- The Body Shop RU – 10%.
- Nike RU IL – 9%.
- Citilink – 10%.
- Huawei – 3%.
- Kiwi Taxi – 8%.
- Cstore – 10%.
- Biglion – 8%.
- Ostin – 10%.
- Tiu – 2%.
- ZdravCity – 3%.
- Lensmaster – 10%.
- GearBest WW – 3%.
- ECCO – 6%.
- OBI – 6%.
- Mamsy – 10%.
- Ostrovok.ru – 6%.
- Techport – 9%.
- iHerb WW – 4%.
- Stroitelny Dvor – 4%.
- Elize – 10%.
- Japonica – 9%.
- urbantiger.ru – 120%.
- Eldorado – 2%.
- Akusherstvo – 6%.
- Perfecto – 6%.
- Domino’s Pizza – 2%.
- AKSON – 3%.
Please note that the list of the microfinance company's partner stores is constantly expanding, and the cashback percentage is also subject to change. We recommend checking the official website of the IFC Kviku for up-to-date information.
Terms
Requirements for the Kviku virtual card borrower
To apply for the Kviku virtual credit card, you must meet the following basic borrower requirements:
- Russian citizenship, as confirmed by passport data.
- Age from 18 to 70 years.
- Registration in one of the regions of Russia is required.
- Employment is optional.
- You must have a mobile phone and an email address.
The Kviku installment credit card is available to citizens across all regions of Russia.
- Age: 18-70 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary in the Russian Federation.
- Mobile phone: required.
- Email: required.
- Identity document: Russian citizen passport.
Our card matching service invites you to apply for a virtual Kviku credit card, which offers attractive features including up to 55 days of installment terms and up to 69% cashback from partner stores.
- Review the offer on our matching service and click the "Apply for Card" button.
- Follow the link to the official Kviku website.
- Fill out the application form for consideration by the AirLoans IFC.
- Provide your passport details, phone number, and email address.
Wait approximately 30 seconds to 5 minutes for your application to be processed. Afterward, the operator will send you instructions on how to set up your virtual credit card via an SMS notification. You will also receive detailed instructions on how to use the banking product in your personal account and via email.
Please note that the agreement is signed using a simple electronic signature sent to you via an SMS notification. Make sure this feature is enabled on your mobile device.
As a rule, the Kviku virtual credit card has characteristics similar to a consumer loan. Payments must be made twice a month unless otherwise specified in the contract terms (1 payment per month is permitted). Early repayment of the loan is allowed, where you return the principal and interest for the days the loan was used.
The initial credit limit is 15,000 RUB for everyone without exception. However, if you have a poor credit history, the bank reserves the right to reduce the amount to 1,000 RUB. The first microloan is issued for a term of no more than 30 days. Subsequently, the credit limit can be increased to 100,000 RUB within 12 months, and in some cases up to 200,000 RUB.
Based on the past month's performance, the microfinance company may unilaterally increase the microloan amount during the 12-month validity period of the Kviku virtual credit card.
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Answers to questions
How long will my application be reviewed?
AirLoans MFC LLC guarantees a response no later than 5 minutes after submitting the application.
How will I find out the decision on my application approval?
You will receive an SMS notification and an informational email.
Who will deliver the card to me?
The card is virtual, so you will receive it instantly. During the issuance process, the card number, expiration date, CVV code, and bank details will be sent to your email and via SMS. A copy of the agreement is sent to your email.
How to properly activate the card?
To do this, you need to go to the activation page and follow the necessary steps. Page: https://kviku.ru/site/login
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