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UBRD 120 Days Without Interest credit card
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About the card
Review of the UBRD credit card "120 Days Without Interest"
The most important advantage for borrowers wanting to get the UBRD "120 Days Without Interest" credit card is that for nearly 4 months, the borrower can avoid paying interest on the credit line if they repay the funds on time. According to the main terms of the UBRD 120 Days Without Interest credit card, the borrower is required to pay a minimum percentage of 3% of the existing actual debt amount during the current payment period.
An additional advantage according to reviews of the UBRD "120 Days Without Interest" credit card is the possibility of obtaining a credit line of 99,999 RUB with just a single document—a civil passport, while confirming an amount of 299,999 RUB on the card requires providing income information in addition to the passport.
UBRD 120 Days Without Interest credit card – bank terms
A Russian financial and credit institution offers borrowers the opportunity to obtain a credit card from one of Russia's most successful commercial banks on favorable terms, featuring attractive loyalty programs for borrowers.
According to reviews of the UBRD "120 Days Without Interest" credit card, a great feature is cashback, which is presented through the following programs:
- A guaranteed cashback of 1% is awarded for any purchases in physical stores and purchases made with the card.
- Cashback of 10% is awarded in selected shopping categories.
- Cashback is credited no later than the 20th day of the following calendar month (for example, for July, the borrower will receive cashback on August 20, which is after the billing month).
Please note that in 2019, a 10% cashback is awarded from July to September in the following categories:
- Purchases of goods at fitness clubs.
- Payment for railway and bus tickets, including electronic purchases.
- Purchases of goods for summer cottages and gardening.
- Payment for services at gas stations.
In the future, the bank will notify which categories will fall under the 10% cashback loyalty program. Please note that for 120 days you do not pay interest, and during this period the rate is 0%. If you fail to pay off the debt on time, the standard rate of 30.5% will apply starting from day 121.
Please note that the card is issued only in regions where the bank has an office. Currently, the bank has offices in 72 Russian cities, located mainly in the European part of Russia and the Ural Federal District.
Terms
According to the terms of the financial institution's "120 days without 5" credit card program, the bank imposes certain requirements on potential card applicants.
Please note that to receive the card, you must have permanent registration in one of the regions of Russia, covering all cities and localities in:
- Altai Krai;
- Arkhangelsk Oblast;
- Astrakhan Oblast;
- Republic of Bashkortostan;
- Belgorod Oblast;
- Republic of Buryatia;
- Voronezh Oblast;
- Volgograd Oblast;
- Vologda Oblast;
- Zabaykalsky Krai;
- Irkutsk Oblast;
- Republic of Karelia;
- Kaliningrad Oblast;
- Kemerovo Oblast; Access to opening a card account is available on the next calendar day after approval of the online request.
- Kirov Oblast;
- Krasnodar Krai and the Republic of Adygea;
- Krasnoyarsk Krai;
- Kurgan Oblast;
- Kursk Oblast;
- Lipetsk Oblast;
- Moscow and Moscow Oblast;
- St. Petersburg and Leningrad Oblast;
- Nizhny Novgorod Oblast;
- Novosibirsk Oblast
- Omsk Oblast;
- Orenburg Oblast;
- Penza Oblast;
- Perm Krai;
- Primorsky Krai;
- Rostov Oblast;
- Ryazan Oblast;
- Samara Oblast;
- Saratov Oblast;
- Republic of Sakha (Yakutia);
- Sverdlovsk Oblast;
- Smolensk Oblast;
- Stavropol Krai;
- Tambov Oblast;
- Republic of Tatarstan;
- Tomsk Oblast;
- Tyumen Oblast;
- Republic of Udmurtia;
- Ulyanovsk Oblast;
- Khabarovsk Krai;
- Chelyabinsk Oblast;
- Republic of Chuvashia;
- Yaroslavl Oblast.
Please note that for a credit card, cash withdrawals are subject to a special procedure specified in the tariff plan. Particular attention should be paid to cash withdrawals both during the grace period and after it ends, as well as to limit restrictions.
To apply for the UBRR 120 Days Without Interest credit card, review the card terms on our website. Please note the regional availability, as the bank does not issue the card to all borrowers across the Russian Federation. If you meet the specified criteria, you can submit an application by following the link to the official web portal of the financial and credit institution.
- Must have Russian citizenship, verified by a passport.
- Applicant's age must be at least 19 years and not more than 75 years.
- The borrower must have registration (permanent only; temporary registration is not accepted) in one of the regions where the bank has an office. The bank's website provides a complete list of regions eligible for applying for the UBRR credit card.
- To get approval for funds up to 99,999 RUB, a passport is sufficient. For amounts exceeding this limit, proof of income is required: for individuals, for the last 3 months; for sole proprietors, turnover for 12 months.
- There must be no overdue debt on existing loans.
- Application review time is 30 minutes.
- Access to opening an account via the card is available on the next calendar day after online application approval.
The initial credit amount is revealed to the borrower only after receiving the card via one of the selected delivery methods. The bank will announce the pre-approved limit, but the final amount will become known 24 hours after card issuance. An initial credit of up to 100,000 RUB is approved based on a passport alone. If you want to increase your credit limit, you can provide an income certificate after 4 months. Subsequently, the bank independently increases the credit line based on data provided by the borrower. For all questions regarding card reissuance, blocking, or other tasks, please use the hotline phone number at 8 (800) 1000-200 or visit the bank's official website.
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Answers to questions
How long does it take for my card application to be reviewed?
The bank has set a review time of 30 minutes. However, in some cases, the credit institution may, at its discretion, extend the application review period by 1 business day. After the credit line is approved and the card is issued, the funds can only be used starting the next day.
How are card approval notifications sent?
1. SMS notification to the phone number specified in the application.
2. A bank operator contacts you to clarify details.
3. If you do not receive any notifications, please contact the hotline within 1-2 days.
How is the card delivered?
Each region has its own acquisition terms.
1. You need to visit the bank in your region of residence.
2. Delivery is carried out by the bank's courier.
How is a banking product activated?
The borrower receives the card already activated, but the funds become available only the following day.
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