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Articles about credit cards
AllCredit card reviews
AllEditorial auto-review: The virtual card from the Zaimer service is a convenient financial tool for online settlements. The product is aimed at users who value processing speed and digital accessibility without the need to obtain a plastic carrier. On the pages of the Sravnim24 financial portal, you can get acquainted in detail with the current terms of use, maintenance features, and the procedure for obtaining this card. The service allows you to quickly compare the product's parameters with other market offers before making a decision.
Editorial auto-review: The Privilegiya Credit Card of Opportunities from VTB Bank is a premium bank card with an extended grace period of up to 200 days. The credit limit for the product reaches 1,000,000 RUB, and the base interest rate is 24.9% per annum. The card maintenance cost is 2,990 RUB. Application is available to citizens aged 18 and older without income certificates, with cashback of up to 50% provided. Applications are reviewed starting from 5 minutes. The issuance and maintenance terms allow you to effectively manage personal finances within a premium service package.
Editorial auto-review: The 115 Days 0% Interest credit card from Ak Bars Bank is a classic offering featuring free maintenance and a grace period of up to 115 days. You can apply starting from age 18 without providing income certificates, and a decision is made starting from 15 minutes. Cardholders get access to up to 20% cashback and a credit limit of up to 300,000 RUB. This is a functional financial tool for everyday purchases with a long interest-free period.
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A credit card can be a great helper. For example, when there is still a week until payday and there is no money left in your wallet. Then you can use a credit card to pay for purchases and then pay off the debt before the grace period ends without paying interest. We explain what to look for when choosing a credit card and what is required for it.
What should you look for when choosing a credit card?
The best credit card is the one that fits the needs and preferences of its holder. To avoid making the wrong choice, we recommend not applying for the very first option you encounter. To make it easier for you to choose a credit card, we have prepared a list of nuances to pay attention to.
Credit limit
Many banks offer a truly high credit card limit. For most credit cards, it reaches 1,000,000 rubles. However, getting such an amount right away is practically impossible. Most credit institutions issue no more than 200,000 rubles.
In the future, you can increase the available amount. To do this, you need to use the credit card regularly and avoid missing mandatory payments.
Grace period
For most popular and profitable credit cards, the grace period ranges from 100 to 200 days. This time is sufficient to pay for a purchase and then clear the debt without going beyond the grace period.
Also, some financial institutions allow you to arrange installments for purchases. Usually, the term ranges from 2 to 12 months. The duration of the installment plan depends on the terms of a specific partner store.
Interest rate
The interest rate on credit cards is significantly higher than on regular consumer loans. While you can borrow money from banks with an average overpayment of 25-30% per annum, the credit card rate starts from 25% per annum for purchases and from 50-60% per annum for cash withdrawals and borrowed funds transfers.
Issuance and Maintenance
As a rule, credit card issuance is free, but a maintenance fee is provided. Banks usually charge a monthly or annual fee for using credit cards. Credit card maintenance can also be free if certain conditions are met, for example, when paying for purchases for a minimum amount per month.
Also, most banks charge money for additional options, such as notifications about deposits and withdrawals, as well as credit funds insurance. But these services are voluntary — you can refuse them at any time.
Cash withdrawal
Usually, cash withdrawals from credit cards are paid. Such operations involve not only a commission but also the accrual of interest. If the future cardholder values the ability to occasionally withdraw money from the credit card, it is better to consider credit cards with free cash withdrawals.
Transfers of borrowed funds
The same applies to transfers of borrowed funds. Usually, such operations are paid. But if the future credit card holder plans to periodically transfer money, it is better to consider credit cards with free operations without commission and interest rates.
Cashback on purchases
Currently, bonus programs apply to all popular and good credit cards. By paying with such a card, the borrower can receive cashback for purchases — a part of the spent funds.
The most profitable bonus program is the one where the cardholder can choose categories of increased cashback monthly.
Borrower requirements
In general, getting a credit card is much easier than a regular consumer loan. Nevertheless, the requirements for borrowers are strict. To get application approval, it is important to meet each one.
Limit
period
SberCard credit card from Sberbank 
Alfa Travel Classic credit card from Alfa-Bank 
MTS WEEKEND credit card from MTS Bank 
Virtual credit card from Kviku 
180 Days Without Interest credit card from Gazprombank Document requirements
The same applies to documents. To successfully get a credit card, you need to provide the full list of documents required by the credit institution. Therefore, for example, if the borrower is employed unofficially and cannot confirm income and workplace, it is better for them to look for a bank that issues credit cards without such certificates.
Delivery option
Currently, almost all banks offer the service of card delivery by a courier to your home, provided the client does not live in a remote locality. You can check whether it is possible to get a credit card using an on-site specialist by calling the financial institution's hotline.
Who can get a credit card from home, and what documents are needed for this?
As already mentioned, getting a credit card is easier than a regular consumer loan. Nevertheless, the requirements for borrowers are strict. They are as follows:
- Russian citizenship;
- permanent registration, place of work, and place of actual residence in the Russian Federation;
- age from 20 to 70 years;
- Work experience at the current job of at least 3 months;
- total work experience of at least 1 year;
- a regular source of income;
- good credit history;
- no criminal record.
These requirements are approximate. In the chosen bank, they may look somewhat different. To avoid being denied a loan due to non-compliance with criteria, it is better to clarify them in advance. You can do this on the official website of the credit institution, by hotline phone, or at a branch.
As for documents, the following may be required to apply for a credit card:
- Russian citizen passport;
- a second identity document (SNILS, INN, driver's license, international passport, serviceman ID, military ID, and so on);
- certificates confirming income and employment.
In which banks can you apply for a credit card from home?
In almost all banks, you can apply for a credit card without visiting a branch. We have prepared a top 3 of credit institutions that offer the best credit card terms today.
| Name | Issue fee | Servicing | Transaction alerts | Credit limit | Grace period | Interest rate | Cash withdrawal | Transfers of borrowed funds | Cashback | Borrower requirements |
|---|---|---|---|---|---|---|---|---|---|---|
| "SberCard Credit" from Sberbank | free | free | free | from 10,000 to 1 million RUB | up to 120 days | from 9.8% per annum | free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB | free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB |
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| "VTB Card of Opportunities" from VTB | free | free | 79 RUB per month | up to 1 million RUB | up to 200 days | from 9.9% per annum | free up to 100,000 rubles in the first 30 days after receiving the card, then with a fee of 5.9% plus 590 rubles | free up to 100,000 rubles in the first 30 days after receiving the card, then with a fee of 5.9% plus 590 rubles |
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| "Platinum" from T-Bank | free | 590 RUB per year or free with a "Pro" subscription | 59 RUB per month for T-Mobile numbers or 99 RUB per month for other numbers | from 15,000 to 1 million RUB | up to 55 days for regular purchases, up to 120 days for paying off debts on credit cards issued at other banks, or up to 180 days with the “Pro” subscription, up to 12 months for purchases at partner stores | from 12% per annum | with a 2.9% fee plus 290 RUB | free up to 50,000 RUB per month, then with a fee of 2.9% plus 290 RUB |
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