According to the company's marketing policy, you can apply for the Alfa-Bank Gold 100 Days Without Interest credit card under the following conditions:

• The borrower must be at least 18 years old at the time of application.
• The borrower must verify their identity with a Russian passport (Russian citizenship is mandatory).
• The borrower must have a steady source of income. The minimum threshold is set at 5,000 RUB for Russia, and 9,000 RUB for residents of Moscow. The amount is indicated after tax deductions.
• The borrower must provide a contact phone number, as well as an additional home phone number or a contact person's number.
• When filling out the application, you must provide the exact company name, as well as contact phone numbers for the accounting department, HR department, or responsible manager.
• Per the issuance terms, the Alfa-Bank Gold 100 Days Without % credit card is issued to applicants only if there is a branch in their region. The client must have temporary or permanent registration within the country.
• The bank provides for card pickup at a branch office. In some cases, courier delivery of the card by the financial institution is available.

Pension-age citizens can also apply for credit from Alfa-Bank. In this case, you must indicate your status as a pensioner and confirm the source of your benefits based on data from the Pension Fund of the Russian Federation.

To apply for the Alfa-Bank Gold standard 100 Days Without % credit card, use our credit card matching service. Carefully review the bank's offer, read the favorable terms, and follow the link to the official website of the banking institution.

Please note that when filling out the application, it is best to indicate the region of permanent registration (temporary stay is also possible) or employment where the bank is located. In most cases, the bank invites clients to visit a branch to pick up the card. Sometimes, delivery within a 120 km radius of the branch location is available.

If you have received the Alfa-Bank Gold 100 Days Without Interest credit card, you can check your current account balance using one of the following methods:

• By calling the hotline and speaking with an operator at 8 800 200-00-00.
• Through internet banking, available in the borrower's personal account.
• At Alfa-Bank ATMs, where you can request a card statement.
• By visiting a bank branch.

A bank operator will inform you of the approved credit line amount. In some cases, you receive the card and must determine the approved credit limit yourself (information sometimes arrives within 24 hours of card receipt). You can check the approved credit line amount as follows:

• An SMS notification with the credit line amount is sent to your mobile number.
• Install the Alfa-Mobile app to receive up-to-date information on your credit line.
• By calling the hotline, where an operator will specify your card limit.

If the borrower strictly complies with all card usage terms, the financial institution may unilaterally increase the credit limit, notifying the client accordingly.

For example, on September 10 you signed a credit agreement, activated the card, and made a purchase. Thus, the 100-day grace period started then. For 3 months, on the 10th of each month, Alfa-Bank sends an SMS message indicating the date and amount of the minimum payment. Within 20 days, you must transfer the money to the specified details. The 100-day grace period ends on December 19. If you fully pay off your debt by this time, no interest will be charged.

To use the grace period again, purchase products (or other goods) using the bank card.

If all terms of the agreement are not met during the use of the plastic card, you will be charged the standard interest rate on the entire debt, starting from the first day of use.

Note! The minimum monthly payment is calculated separately for each cardholder. Regardless of how much money you spend, the interest-free period does not increase. If there are large amounts on the card account, the amount of the mandatory payment will also increase.

Please note: when withdrawing cash, you pay no commission only for amounts up to 50,000 RUB. For those withdrawing amounts exceeding 50,000 RUB, a commission of 4.9% of the amount is established, but not less than 400 RUB.