Online application for a credit card with home delivery

Why home credit cards are beneficial for banks

Некоторые кредитные учреждения принципиально не имеют офисов. Так, Т-Банк имеет только головной офис, расположенный в Москве. Но, на сегодняшний день, продуктами кредитного учреждения пользуется свыше 10 млн россиян. Каким образом осуществляет доставку кредиток банк. В отдаленные регионы России банк осуществляет доставку кредиток только при помощи сервиса «Почта России». Минус почтовой связи заключается в том, что кредитка одобренная, например, сегодня, будет доставлена не ранее чем через 14-30 дней, а то больше. Почтовая служба славится своей нерасторопностью, и иногда банковский продукт бывает уже неактуальным для заемщика.

Заявка на кредитные карты на дом со стороны Т-Банк Банка позволяет доставить банковский продукт либо сегодня, либо в течение 1-2 календарных дней, но не больше 5 рабочих дней. Карты с доставкой 1-2 дня чаще всего бывают не именные, а карточки с доставкой до 5 дней имеют имя и фамилию владельца. Чтобы напечатать персонифицированные данные банку необходимо 1-2 рабочих дня. Иногда персонифицированные данные можно напечатать в течение 1 рабочего дня, если имеется техническая возможность и оборудование. Т-Банк использует обширную сеть курьерской доставки во многих городах и крупных населенных пунктов. В некоторых регионах, доставка карточки на дом курьеру осуществляется даже в самые отдаленные районы, если таковая необходимость имеется. Банк имеет выгоду от данной услуги только в одном случае, таким образом кредитное учреждение привлекает и расширяет клиентскую сеть.

Duties of the courier delivering a credit card to your home

The authorized person who delivers a credit card to your home without certificates is a courier. As a rule, this is a freelance employee of the credit institution, or such a specialist is on the company's staff. Recognizing the responsibility and risks, the bank grants the courier both limited and expanded powers.

• The courier must deliver the bank card to the client's home after clarifying the time and place of delivery in advance.
• The courier notifies the client in advance that they will arrive at the specified time without delays.
• The courier hands over the credit card to the client after fulfilling the necessary requirements set by bank management.
• The specialist verifies that the application matches the person who received approval for the credit limit.
• The bank representative performs the necessary procedures to hand over the credit card to the client (taking a photo, signing the agreement, etc.).
• The courier explains the rules for using the credit card to the bank's client.
• The courier provides free consulting services to the borrower (card usage rules, connecting mobile banking, creating a personal account, etc.).

Upon completing the card handover procedure, the courier transfers all documentation to the bank office.

Card activation can take place either in the presence of the courier or without them. We recommend activating your credit card through secure methods: by calling the hotline, using your personal account, or via an ATM of the issuing bank.

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Ranking of credit cards with home delivery

The top ranking of online credit cards with home delivery is quite large and diverse. Nearly 70% of credit organizations practice this type of customer interaction. Our top list is developed taking into account the popularity of banking products among borrowers who leave reviews for credit cards delivered to their homes without visiting a bank.

Credit organization name, card type	Interest rate*	Credit limit, RUB	Availability of grace period, number of days	Annual maintenance fee, RUB	Cashback	Courier delivery**
Russian Standard, Mastercard World, Platinum credit card	From 0 %	300 thousand	55	590	Yes, points	Yes
Т-Банк, Мастеркард World, кредитка Платинум	From 0 %	300 thousand	55	590	Yes, points	Yes
Alfa-Bank, 100 Days Without % credit, Classic, Visa Classic	From 11.99 %	500 thousand	100	590-1490	No	Yes
Alfa-Bank, Mastercard World, Cash Back	From 25.99 %	700 thou. RUB	60	3990	10%	Yes
Raiffeisenbank, Mastercard Gold, 110 Days credit card	From 29.0 %	600 thou. RUB	110	0-1800	No	Yes

*Please note that the interest rate is indicated in accordance with the tariff plan specified for the head office. In each region, banks set their own interest rates based on the borrower's solvency criteria relative to the region's socio-demographic indicators.

**Please note that courier delivery is not available in all regions of the country. If courier delivery is not suitable for your region, the bank, after approving your application, will offer to arrange delivery of the banking product via Russian Post or suggest picking it up at a branch.

How to properly apply for a home-delivered credit card without rejection

The financial services platform invites you to apply for a credit card with home delivery and no refusal, where a courier will deliver the credit card to you at the agreed time.

• Review the available offers from our credit card matching service.
• Click the "Get a card now" button and follow the link to the bank's official website.
• Fill out all the required information for the application form.
• In the delivery field, select the method: home delivery, courier service.
• Submit your application and wait for the bank's decision.
• After your application is approved, an operator will contact you to clarify the details of the courier home delivery.

You negotiate the delivery time with the courier service independently. If you need delivery to your office, choose a convenient time. The same applies to home delivery—specify the time and place for the delivery of the banking product. In most cases, delivery is free, and you are not required to pay for the courier service. If your delivery time and place change, we recommend notifying the bank in advance to optimize the courier service's workflow. During the courier's visit, demand documents proving their authority to deliver and process the credit agreement.