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100 Days Without Interest credit card from Alfa-Bank
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About the card
Online application for the Alfa-Bank "100 Days Without Interest" cashback credit card
As known from the terms of the marketing program, the Alfa-Bank 100 Days with cashback card does not provide for participation in the loyalty program, but features attractive payment installments for a period of 100 days without accruing interest rate obligations. The "warm" period provides for the borrower's use of funds without accruing an interest rate throughout the entire marketing program.
The advantages of the Alfa-Bank "100 Days Without Interest" credit card include a settlement account, mobile banking, internet banking, and the option to open a deposit account for depositing your own funds.
Why there are favorable terms for the Alfa-Bank "100 Days Without Interest" credit card
Today, the profitable Alfa-Bank 100 Days Without Interest credit card is a leader in offers, and many Russians have already appreciated the benefits of this card. Advantages of using the bank's credit card:
- It features the longest grace period, which ranges from 60 to 100 days depending on the terms of the application.
- The grace lending period under the credit program applies to both non-cash transactions and cash withdrawals.
- Using this payment instrument, you can withdraw up to 50,000 rubles in cash without interest during the standard reporting period.
- Convenient debt repayment schemes, including through electronic systems.
- Interest is charged only on the actually used credit limit.
- The minimum approval amount is 5,000 rubles, while with the provision of additional documents, the maximum is 500,000 rubles.
- The mandatory minimum payment amount for the uniform requirements and rules of the marketing program ranges from 3% to 10% and is calculated individually by the credit institution's operator.
- Regarding the grace period, in case of early or timely repayment of the credit line, a renewable grace period applies under the terms of the Alfa-Bank 100 Days Without Interest card.
- There are insurance terms, which amount to 0.67% of the existing debt amount. The client has the right to refuse insurance on the day the card is issued.
- Cash amounts of no more than 50,000 rubles can be withdrawn without commission fees not only at the ATMs of the main credit institution, Alfa-Bank, but also at a number of partner organizations that have concluded an agreement with the bank.
Depending on the service terms, Alfa-Bank has the right to set a grace period from 60 to 100 days, with the following interest rate requirements for the Alfa-Bank 100 Days Without Interest card:
- Grace period from 0 to 60 days, calculated from 14.99% per annum.
- Grace period from 60 to 100 days, rate from 14.99%.
- Interest-free period for calculation up to 100 days and under the renewal program – from 14.99%.
The interest rate is determined individually.
If you want to apply for the Alfa-Bank 100 Days with Cashback card, please note that the loyalty program is not provided for this card.
Terms
- Age – 18 years and older only.
- Employment in the region where the bank is located.
- Minimum work experience – 3 months.
- Income confirmation: for Moscow – from 9,000 rubles, for other regions of Russia – 5,000 rubles.
- Registration – in any region of Russia where the bank has offices.
- Availability of a mobile phone for the borrower and a fixed workplace.
Please note that for amounts up to 10,000 RUB, a 2-NDFL income certificate may not be required. To increase the likelihood of approval, we recommend providing this type of document.
- Age: 18 years and older.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the territory where the Bank is located.
- Mobile phone: required.
- Employment: mandatory.
- Work phone: required.
- Work experience: at least 3 months.
- Monthly income: Moscow and Moscow region — from 9,000 RUB. Other regions — from 5,000 RUB.
- The standard civil document for Russian citizens is a passport.
- Proof of registration in the region where the bank is located.
- A second official identity confirmation document of your choice.
- Income statement from the employer — 2-NDFL form.
- If you provide a 2-NDFL certificate, please ensure it has the company stamp or a digital signature, if applicable. When providing international passport details, you must have at least one exit stamp from outside Russia.
- Identity document: Russian citizen passport.
- 2-NDFL certificate from the employer confirming income.
The bank does not set age restrictions for the recipient of the banking product, but the minimum age must be at least 18. To apply for the Alfa-Bank 100 Days credit card, we recommend using our financial product matching service prompts.
Review the feedback for the Alfa-Bank "100 Days Without Interest Classic" card and go to the official website of the credit institution.
- Fill out the full application details in accordance with your passport.
- Enter the details of the second document of your choice in the application form.
- Provide your workplace details, including phone numbers.
- Specify your salary amount.
- Provide the necessary details to check your information with credit bureaus.
- Submit the application on the website and wait for the bank's decision.
After this, you will receive an SMS notification about the approval of your application. If the bank approves the Classic 100 Days Without Interest credit card, you need to choose the delivery method for the banking product — pickup at a branch or courier delivery. Note that courier service is not available in all regions of Russia.
In some cases, if you have a positive credit history and are an existing bank client, an application for up to 100,000 RUB may be approved based on the application form without a 2-NDFL certificate. In all other cases, you must provide supporting information about your source of income. Once the bank approves your card application, don't forget to bring the original documents to the branch or provide them to the courier. As a rule, the courier is an authorized representative of the bank with the right to sign the agreement and other documents related to the banking product. For residents of Moscow and the Moscow region, the minimum required income from employment is 9,000 RUB, and for other regions — from 5,000 RUB.
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Answers to questions
How long does it take for my application to be reviewed?
After submitting the application, you will receive a preliminary review result within 2 minutes.
How will I know the result of my application review?
You will receive an SMS notification.
Call the hotline at 8 800 200-00-00. Residents of Moscow and the Moscow region can call +7 (495) 78-888-78.
How to collect the banking product?
Courier delivery is available within a 70-120 km radius from the branch.
You can pick up the card at a bank branch.
What is required to activate the card?
You must sign the agreement, and activation takes place directly at the branch.
The courier delivers an information letter on how to activate the card yourself.
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