Best installment cards in 2024

3 installment cards with the best terms in 2024

Sovcombank "Halva"

• maximum credit limit — 500,000 RUB;
• installment duration — up to 24 months;
• interest rate outside of installments — from 0% per annum.

Halva is perhaps the best installment card on the Russian banking market. Its holders can get an interest-free period of up to 24 months for purchases at Sovcombank partner stores.

In addition to installments for purchases, the bank provides an interest-free period for cash withdrawals and transfers, as well as for paying for goods and services in stores outside the partner network. In the first case, this period is 3 months, and in the second — two.

The bonus program is relevant only for those holders who pay with their own funds from the Halva card. Cashback is accrued for them as follows:

• 1% of the spent amount is credited by the bank for purchases outside the partner network with a total value of from 1 thousand rubles;
• 2% — for purchases in partner stores with a total value of up to 4999 rubles;
• 4% — for purchases in partner stores with a total value of from 5000 to 9999 rubles;
• 6% — for purchases in partner stores with a total value of from 10 thousand rubles;
• 10% — for purchases in partner stores with a total value of from 50 thousand rubles if you have the Halva.Desyatka subscription.

By paying with borrowed funds, cardholders can get 1% for payments in the "Service Payment" section of the Halva – Sovcombank app.

Credit Europe Bank Urban Card

• maximum credit limit — 600 thousand rubles;
• installment duration — up to 12 months;
• interest rate outside of installments — from 0% per annum.

Credit Europe Bank provides installments for up to 12 months for purchases at the bank's partner stores. A grace period of up to 55 days is provided for paying for goods and services outside the partner network.

The bank provides installments for any purchases from 5000 rubles for 5 months, as well as installments for points for up to 10 months from 1000 rubles.

Т-Банк “Т-Банк Платинум”

• maximum credit limit — 700,000 RUB;
• installment duration — up to 12 months;
• interest rate outside of installments — from 0% per annum.

В целом “Т-Банк Платинум” — классическая кредитная карта. Однако Т-Банк предусмотрел наличие рассрочки за покупки в магазинах-партнерах. Максимальная ее продолжительность составляет 12 месяцев. За погашение кредитов, оформленных в других банках, держателям положено до 120 дней беспроцентного периода, а за оплату товаров и услуг вне партнерской сети — до 55 дней.

The bonus program here is quite standard:

• 1% of the spent amount is credited by the bank for purchases outside the partner network;
• from 3% to 30% for purchases at the bank's partner stores.

Let's summarize. An installment card is a great option for those who frequently need to take out loans for purchases. With such a card, holders do not have to apply for loans every time, nor do they have to overpay for using borrowed funds.