Rating of the best installment cards

Comparison of conditions for Russia's best installment cards

Which installment card is the best in 2024, and which issuing bank is the leader of the national trust ranking? Our selection service for credit and debit cards for users takes into account all available options and features that allow payment tool owners to use the banking product for profitable purchases in partner stores. All our data is compiled from customer reviews of the best installment cards of 2024 who use this banking product for their favorite purchases and other actions in the partner stores of the issuing banks.

Banking product application procedure

This is an important criterion for determining the ranking of the best installment cards. Currently, you can study the issuing bank's offer in detail on our selection service and choose a suitable payment tool option for yourself. Almost all banking products are issued exclusively via online applications. Before submitting an application, we recommend paying attention to the following:

1. Reviewing up-to-date information on the banking product.
2. Filling out the required card details to submit the application for review.
3. Waiting for the bank operator's approval decision, with an estimated waiting time of 7-9 minutes.
4. A bank operator will call you and provide additional information.
5. Receiving the card in a way that is convenient for you.

All issuing banks, after expanding the application, will invite you to visit an office or branch of the institution in your region of stay. In some cases, you will be offered courier delivery of the banking product.

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Service regions

The second criterion for installment plans is availability across regions of residence. Among the issuing banks, only Sovcombank has the capability to send a card to an applicant if they are located outside the zone of the bank's office or branch. A similar situation applies to the installment plan from Qiwi Bank, as this credit institution has no offices or branches in Russia at all.

Other issuing banks issue installment cards only in regions where the credit institution has branches and offices. You submit an application, and if the bank is present in your city, you need to visit the office, provide the required documents to receive the banking product, and pick up the ready card. Please note that some banks may issue cards within a radius of 70 km to 120 km from the location of the main office in the region.

Courier delivery is also available for issuing banks that have an office in the region. When submitting an application, please note the following factors:

• Specify the preferred method for receiving the payment instrument: office pickup, courier delivery, or postal mail.
• If courier delivery is used, confirm the delivery address with the operator—street, house and apartment numbers, as well as the office address if delivery to your workplace is required.
• In all cases, to obtain the best installment cards, the issuing bank must be provided with copies or originals of the requested documents. Once the documents have been verified, you can sign the credit line maintenance agreement.

In most cases, the coverage area for installment cards applies to partner stores located in Russia. However, some banks allow installment cards to be used for overseas stores, including foreign online retailers. To clarify this information, check the list of available stores on the issuing bank's official website.

Credit limit amount on the installment card

In most situations, the credit limit for initial purchases with an installment card does not exceed 150,000 to 150,000 RUB. This is due to the financial institution's marketing policy. However, you can subsequently obtain an extended credit line on your approved installment card.

• URBAN CARD product from Alfa-Bank. Approved limit of 600,000 RUB.
• Halva card, credit approval line up to 500,000 RUB.
• Tinkoff Platinum card — 700,000 RUB.

Please note that the maximum credit limit of 1 million RUB for the #Vmestodeneg card is not available to everyone or in every region where the bank operates. In most cases, the bank will approve a credit limit of 300,000 RUB.

Features and number of partner stores

The more partner stores an installment card has, the better its usage terms. If the issuing bank has signed an agreement with a single brand, it typically extends promotional offers to all stores, including physical and online locations.

It is recommended to review the list of partner stores on the installment card's official website.

The number of retail chains partnering with installment cards is growing every month, so an increasing number of retailers are actively integrated into the system of popular and top installment cards in Russia in 2024.