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Perekrestok Credit Card from Alfa-Bank
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Articles about credit cards
About the card
Shop at Perekrestok; the Alfa-Bank credit card will help you earn.
The extensive Perekrestok retail network in Russia is highly popular among Russians. The retailer, in collaboration with the bank, has developed comprehensive loyalty programs for customers, and the terms of the Alfa-Bank Perekrestok credit card apply throughout Russia wherever the store chain operates. You can also download the "My Perekrestok" mobile app to easily track all purchase rewards. According to the bank's marketing policy, cashback is awarded based on purchase terms, where 10 RUB spent equals 1 point.
Key advantages of the Perekrestok credit card from Alfa-Bank:
- The grace period is 60 calendar days.
- The grace period terms apply to both cash and non-cash transactions.
- Credit limit – up to 700,000 RUB.
- The bank determines the initial credit limit and may increase it unilaterally.
- You can repay the loan in any convenient way – via terminals, internet banking, e-wallets, etc.
- Annual maintenance is only 490 RUB.
- Minimum payment: 5% of the used amount monthly.
- Credit limit: renewable, subject to terms and conditions.
- Integrated with the Alfa-Mobile gadget app.
An extensive loyalty program allows you to earn points for purchases at Perekrestok stores.
Terms and conditions for the Alfa-Bank Perekrestok credit card
Today, the Alfa-Bank Perekrestok credit card has a number of advantages over similar banking products from other financial institutions. Our comparison service will help you apply for the product correctly and secure favorable terms.
According to Perekrestok credit card reviews, borrowers can only obtain the product in the region where a bank branch is located, or within a 200 km radius of the main office.
Terms
Only a citizen of the Russian Federation can hold this banking product, and they must verify their data using a primary identity document.
Within 14 days, the borrower has the right to refuse the granted loan, provided there is an outstanding balance on the card.
You can check which regions issue the Perekrestok credit card on the Alfa-Bank website. We recommend reviewing the full list of regions available to borrowers.
- Borrower age: 21 and older; the upper age limit is not fixed and is considered by the bank on an individual basis.
- Region of issuance: where the bank (branch) is located.
- Borrower registration: in the region of the office location or within a 200 km radius.
- Contact numbers: your own mobile phone and a landline work number to verify information from your employer.
- Proof of steady income is mandatory: 9,000 RUB for Moscow residents, 5,000 RUB for residents of other regions (after taxes).
- Work experience: at least 3 months. The card is not available to individual entrepreneurs (IP).
- Documents: A passport is mandatory. Additional optional documents include a military ID, compulsory health insurance (OMS), SNILS, international passport, tax ID (INN), or driver's license.
- Proof of income: a statement from a credit institution or a 2-NDFL form (optional).
- Proof of solvency: an international passport with travel stamps, a voluntary health insurance (DMS) policy, or vehicle registration for a category 'B' vehicle from the last 4 years.
Our credit card comparison service will help you make the right choice for your financial needs and gain benefits, especially if you shop at Perekrestok stores. Review the offer on our website and follow the link to the bank's portal, where you must fill out an application and wait for a response from a bank representative. Typically, applications are reviewed within 24–48 hours; in some cases, the bank may extend the review period by 5 days. You will be notified of approval via SMS or a call from a bank representative. You must be at least 21 years old to apply.
When applying for the Alfa-Bank Perekrestok credit card, you should familiarize yourself with the loyalty programs, which include the following:
- Upon receiving the card, you get 5,000 Perekrestok category points.
- Shop at Perekrestok and earn 3 points for every 10 RUB spent.
- Buy items from the 'Favorite Products' category at Perekrestok and earn 7 points for every 10 RUB spent.
- Make purchases at other stores and earn 2 points for every 10 RUB spent.
- There is a 0% commission for transferring a loan from other banks to pay it off.
- Additional discounts and bonuses are available to those who download the free 'My Perekrestok' app.
Information about your account balance and payments can be obtained via Alfa-Click, the free Alfa-Mobile app, or by calling the hotline at 8 800 200-00-00. The initial credit limit will be provided in an SMS message; you can also print an 'Alfa-Check' for detailed information on your credit line. The bank may increase the credit limit automatically, and the borrower will be informed of this service.
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Answers to questions
How much time is allotted for application review?
No more than 24-48 hours; in some cases, the bank reserves the right to review the application for up to 5 business days.
How can I find out the approval result?
You will receive an SMS notification. If you have not received any information, call 8 800 200-00-00 to check the status.
Where can I receive the card?
Only at bank branches. Mail and courier delivery are not available.
How can I activate the banking product?
At a bank branch or via the hotline at 8 800 200-00-00
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