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Anyone may encounter a situation where money is urgently needed and personal savings are insufficient or non-existent. Then you can turn to the bank for money. The easiest way is to get an express credit card. We will explain what it is, when you should apply for it, and what is needed to get one.
What are express credit cards?
An express credit card is a card that can be issued on the day of application at the bank. It has the following features:
- Minimum document package. To get a credit card on the day of application, you only need a Russian passport. Some credit organizations also ask for a second identity document. This can be: SNILS, INN, international passport, driver's license, military ID, military serviceman ID, and so on.
- Online application. To apply for an express card, you do not need to visit a bank branch. You can do this online on the credit organization's website or in the mobile app.
- Fast decision on the application. Banks usually make a decision on an express card application in just a few minutes.
- No cardholder initials on the card. Express cards that can be issued on the day of application are usually instant. That means they do not have the owner's first and last name embossed on the plastic.
In general, an express credit card is a good option when money is urgently needed. But you must keep in mind that such cards also have disadvantages. Since the bank does not have enough time to assess how conscientiously the borrower will fulfill their credit obligations, it offers worse lending terms. For example, such a credit card may have a lower credit limit or a higher interest rate.
When should you apply for such a credit card?
Regular credit cards offer more favorable lending terms, but getting them can take several days. With express cards, it is the opposite. You can get them on the day of application, but the terms are less favorable.
It makes sense to get such a credit card in the following cases:
- when money is urgently needed;
- when there is no time to wait long for the bank's decision;
- when there is no way to confirm income and employment, or provide collateral or a guarantor.
You can get an express credit card for any purpose. For example, to pay for purchases, medical treatment, education, and so on. But due to the high interest rate and small credit limit, it is better to look into regular cards.
How to get an express credit card on the day of application?
Applying for an express credit card is very simple. To do this, you need to:
- Review credit programs at several banks. We recommend paying attention not only to the maintenance cost, credit limit, grace period, and cashback, but also to the annual interest rate, the size of the mandatory minimum payment, and penalties for violating agreement terms.
- Submit an online application. This requires filling out a short form with your personal and passport details, employment and income information, and your desired credit limit. To do this faster, you can log in via the State Services portal, and all your information will appear in the application automatically.
- Wait for the bank's decision. You will find out via an SMS message sent to the phone number provided in the application or via an email. It usually takes the bank no more than 5 minutes to make a decision on the application.
- Sign the credit agreement and pick up the card. You can do this at a bank branch or order courier delivery.
Who can apply for an express credit card, and what is required?
Banks do not impose special requirements on borrowers applying for a credit card. However, since this is an express card, the criteria for future holders are stricter.
They usually look like this:
- Russian citizenship;
- permanent registration in a region where the bank has a branch;
- age from 21 to 70 years;
- work experience at the current job of at least 3 months;
- total work experience of at least 1 year, permanent income from 15,000 RUB per month;
- good credit history;
- no criminal record.
These requirements are approximate and may vary at your chosen bank. Therefore, we recommend reviewing the borrower criteria in advance. You can do this on the bank's website, at a branch, or by calling the hotline.
A feature of express credit cards is that they can be obtained without proof of income. Therefore, a Russian internal passport is sufficient to apply. Some banks may also request a second identity document, which can be:
- A INSURANCE NUMBER (SNILS);
- A TAX ID (INN);
- a driver's license;
- international passport;
- military service card;
- a military ID, and so on.
At the same time, proof of income and employment, as well as collateral and a guarantor, are not required.
Which banks offer credit cards on the day of application in 2024?
Not all banks issue credit cards on the day of application, so we have selected the three best options where you can apply for an express card.
"SberCard Credit" from Sberbank
Issuance: free
Maintenance: free
Transaction alerts: free
Credit limit: from 10,000 to 1 million RUB
Grace period: up to 120 days
Interest rate: from 9.8% per annum
Cash withdrawal: free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB
Transfers of borrowed funds: free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB
Cashback: up to 30% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent or temporary registration in Russia, age from 18 to 70 years
"My Freedom" from UBRD
Issuance: free
Maintenance: free
Transaction alerts: 129 RUB per month
Credit limit: from 15,000 to 700,000 RUB
Grace period: up to 90 days
Interest rate: from 16.9% per annum
Cash withdrawal: with a fee of 5.99%, but not less than 600 RUB
Transfers of borrowed funds: with a fee of 5.99%, but not less than 600 RUB
Cashback: up to 35% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent registration in Russia, age from 19 to 75 years, work experience at the current job of at least 3 months
“Т-Банк Платинум” от Т-Банка Банка
Issuance: Free
Maintenance: 590 рублей в год или бесплатное с подпиской “Т-Банк Pro”
Transaction alerts: 59 RUB per month for T-Mobile numbers or 99 RUB per month for other numbers
Credit limit: from 15,000 to 1 million RUB
Grace period: до 55 дней на обычные покупки, до 120 дней на погашение задолженностей по кредитным картам, оформленных в других банках, или до 180 дней с подпиской “Т-Банк Pro”, до 12 месяцев на покупки в магазинах-партнерах
Interest rate: from 12% per annum
Cash withdrawal: with a 2.9% fee plus 290 RUB
Transfers of borrowed funds: free up to 50,000 RUB per month, then with a fee of 2.9% plus 290 RUB
Cashback: 1% for regular purchases, up to 30% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent or temporary registration in Russia, age from 18 to 70 years
Limit
period
Halva credit card from Sovcombank 
MIR credit card from Russian Standard Bank 
MTS Dengi Zero credit card from MTS Bank 
Vozmozhnosty Credit Card from VTB 
Uralsib 120 Days Maximum Credit Card Conclusion
To summarize. You can get a credit card on the day of application. However, keep in mind that in this case, the lender will offer less favorable credit terms: a lower credit limit and a high interest rate. For this reason, you should only apply for such a card if you urgently need money and have no time to wait for the bank's decision and gather additional documents.
