Applying for a credit card for online shopping

Favorable terms for credit cards for shopping in stores

With a credit card for shopping in stores, the owner can always count on the bank approving a good credit limit. Having a sufficient amount of funds will help instantly resolve the issue of purchasing long-awaited goods. When applying for a consumer loan, the borrower will not need to overpay interest, as many credit cards with shopping bonuses help participate in various loyalty programs. Thus, using a virtual credit card, you can get a bonus refund (cashback) ranging from 1% to 40%.

Virtual banking products cannot be accessed by fraudsters because you manage them directly from your mobile device or PC. Even if you have a physical credit card with shopping bonuses, in case of loss, you can instantly block the account so that your funds remain inaccessible to fraudsters.

Best credit cards for shopping

Every bank offers an interesting banking product that helps customers purchase long-awaited goods without resorting to saving up money. It is enough to have a credit payment instrument for online shopping at hand, after which you can buy any item, while the bank will not inquire about the targeted use of the funds. The main condition is compliance with repayment schedules for the approved credit line.

Банковские продукты Т-Банк

На сегодняшний день этот банк имеет огромное количестве кредитный карт для онлайн покупок. Банк подписал соглашение с рядом магазинов-партнеров, которые принимают к оплате индивидуальные кредитки для онлайн-покупки в магазинах. Карточки выпускаются как виртуальные, так на физическом носителей. На сегодняшний день Т-Банк заключил около 40 партнерских соглашений с магазинами партнерами, причем некоторые платежные инструменты действуют только в отдельно взятых регионах страны, и только для отдельной взятой торговой сети. Плюсом такого банковского продукта является начисление наибольшего бонуса в виде кешбэк до 40% для ряда банковских продуктов.

Тем не менее, наиболее популярным предложением от Т-Банка является программа «Платинум», которая имеет ряд преимуществ:

• The application is filled out online.
• Delivery is free in Moscow, and via Russian Post in Russia's regions.
• The maximum possible credit limit is up to 300,000 RUB.
• The standard interest rate is 15% per annum.
• An extensive bonus program with cashback up to 30%.
• Application is completely free.

Credit cards from Touch Bank

The young but steadily developing Touch Bank credit card brand has already gained popularity. Positive aspects of applying for an online shopping card:

• The maximum possible credit limit is up to 1 million RUB.
• The minimum standard interest rate starts from 11.99%.
• An interest-free grace period of 61 days is available.
• Available account replenishment schemes for credit card repayment.
• The bank credit card has a multi-currency design.
• You can link credit cards from other banks.

Shopping credit cards from Citibank

Citibank has been on the market for a long time, and despite the fact that the card is not available in all regions of Russia due to the lack of offices, those who have this credit card say that the service is one of the best in the banking sector. Positive aspects of credit cards for online shopping:

• Depending on the credit limit, the interest rate ranges from 18% to 33%.
• The maximum lending amount is 300,000 RUB.
• There is an interest-free period starting from 50 days.
• No fee is charged for issuing the card.
• Bonus cashback of up to 2% is returned on every purchase.

Credit cards from UBRD

Although Ural Bank for Reconstruction and Development has territorial limitations, the credit institution is always ready to offer two popular banking products.

Maximum card

• The highest cashback is up to 10% on every purchase.
• A growing interest rate of 7.25% per annum is accrued on the remaining account balance.
• Preferential servicing principle.
• The established installment period under the grace period is 120 days.

120 Days Without Interest card

• High credit limit, maximum 300,000 RUB.
• Cashback of 1% on every purchase.
• Free delivery, available across Russian regions.
• Grace period of 120 days.

VTB Bank

Despite being state-backed, this bank also offers customers the opportunity to get a credit card for purchases such as the "Maximum" card.

• Highest cashback – up to 10% on every payment for services in restaurants and auto markets.
• Using simple card payment – cashback of up to 2%.
• When purchasing plane or train tickets – cashback of 4%.
• An interest rate of 10% is accrued on the account balance.

For active users of the "Maximum" card, VTB Bank offers individual service terms. More detailed information on offers is available in the borrower's personal account.

Credit cards for online shopping in stores are a great way to purchase the desired item without waiting until you accumulate a certain amount of money. In addition to the above, the leading banks ready to offer the best lending terms include Sovcombank ("Halva"), Home Credit ("Installment Card"), Vostochny Bank (Cash-Back card), Kviku, Alfa-Bank ("100 Days Without Interest"), Bystrodengi ("Bystrokarta card"), Renaissance Credit (proprietary banking product), as well as the "Sovest" card ("Honest Installment Card").