ATB "90 Days Free" credit card — a banking product with a grace period of up to 92 days

We increasingly observe banks one after another offering cards with a long grace period of several months. For example, Platinum Bank issued a 100 days interest-free card, and UBRD offers 120 days interest-free. Asian-Pacific Bank is keeping pace as well. Today it offers a rewarding product — the ATB "90 Days Free" credit card; customer reviews confirm the convenience and benefits of using this plastic card.

Although the grace period here is not the longest, the card has other advantages. What are they? You will find out by carefully reading the review of the "90 Days Free" credit card.

ATB "90 Days Free" credit card: terms of use

The ATB "90 Days Free" credit card is issued in the national currency — rubles. Card issuance and monthly maintenance are free. Although the card's validity period is 3 years, in case of loss of the card or PIN code, wear and tear, or technical malfunction, the payment instrument can be replaced. The bank does not charge the holder for a re-issuance of the credit card either.

• Loan amount

The minimum loan amount is 31,000 rubles. The maximum limit is 300,000 RUB. ATB explains such a wide range by the fact that the limit amount is calculated individually for each applicant. The information provided, as well as the credit history, are taken into account. If the borrower is responsible and fulfills the terms of the ATB "90 Days Free" credit card specified in the agreement, an increase in the credit limit is possible.

Please note! If the bank discovers circumstances indicating that the applicant is unable to repay the money within the specified timeframe, the credit card application will be rejected.

• Annual rate

If the borrower fails to meet the zero-interest deadline, interest will be charged at 29% per annum. Since this is a significant figure, you should calculate your financial capabilities before using bank funds.

• Zero term

Grace period of up to 92 days (until the end of the calendar month when the loan debt arose + the 2 following calendar months). During this period, the borrower can use bank funds without paying a fee.

• Penalties and fines

If the consumer fails to properly fulfill their assumed obligations, they will be charged a one-time fine of 700 RUB + 3% for each day of delay.

• Cash withdrawal limits

The holder of the "90 darom" card cannot withdraw more than 150,000 RUB within 1 day. There is also a monthly limit of 1,000,000 RUB.

• Fees for cashless transactions

Paying for goods and services at retail and service enterprises is free of charge. Other transactions are subject to a fee of 4.9%, but not less than 390 RUB.

• Cash withdrawal fees

At ATB ATMs and cash-out points — 4.9%, but not less than 390 RUB. The same amount must be paid when using the services of third-party banks or withdrawing money at cash-out points without using a card.

• Cashback option

The ATB "90 darom" credit card cannot boast a large cashback amount. When paying for purchases with the card, only 1% of the spent amount is returned to the user's account. However, if you spend 20,000 RUB from the card every month, you will receive a refund of + 2,000 RUB.