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130 Days 0% Credit Card from Bank Russian Standard
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Articles about credit cards
About the card
"130 Days 0% Interest" is a classic credit card from Bank Русский Стандарт. It allows cardholders to make purchases and pay no interest for up to 130 days. Additionally, cardholders can withdraw cash within the first 30 days from the card issuance date.
Terms
Card issuance is always free. The bank also charges no annual maintenance fee for the first year, provided the cardholder makes purchases totaling at least 5,000 RUB in the first billing period. Starting from the second year, the card will be free only if the borrower spends more than 15,000 RUB using their own or credit funds. Otherwise, the annual maintenance fee will be 99 RUB per month.
Additionally, the cardholder can subscribe to transaction and deposit alerts. The cost of this service is 89 RUB per month.
The available credit limit for the "130 Days 0% Interest" credit card ranges from 30,000 to 600,000 RUB. The bank determines the exact amount for each borrower on an individual basis.
The grace period for the "130 Days 0% Interest" credit card is up to 130 days, depending on the purchase date. It applies only to cashless payments for goods and services.
At Bank Русский Стандарт, the minimum mandatory payment is 3% of the debt amount. This payment must be made to avoid terminating the grace period and incurring late payment penalties.
Bank Русский Стандарт does not charge interest on purchases made within the grace period. Outside of it, the rate ranges from 14.5% to 36.3% per annum for cashless payment of goods and services, as well as for cash withdrawals and credit fund transfers.
If the monthly payment is not received on time, the bank charges a penalty. The penalty is 0.1% per day of the overdue amount, but not more than 20% per annum.
The bank charges no fee for cash withdrawals within 30 days of credit card issuance. Thereafter, the cardholder will be charged a fee of 4.9% of the transaction amount plus 490 RUB. Exactly the same fee applies to credit fund transfers under the terms.
For purchases made with the credit card, Bank Русский Стандарт awards cashback at the following rates:
- 2% of the spent amount for purchasing airline tickets on the website "Russian Standard Travel”;
- 5% for purchasing train tickets on the website "Russian Standard Travel”;
- 6% for hotel bookings on the website "Russian Standard Travel”;
- up to 70% for purchases at Bank Russian Standard partner stores.
Borrowers who meet the following requirements can apply for the "130 Days 0% Interest" credit card:
- citizenship of the Russian Federation;
- having permanent registration in the region of the bank's presence;
- aged from 21 to 75 years old.
To obtain a credit card, you only need to provide a passport of a citizen of the Russian Federation and a SNILS (insurance number of individual ledger account) or any other identity document.
| Pros | Cons |
| The borrower does not need to pay a fee for card issuance and reissuance if required due to expiration or at the bank's initiative. | The bank charges a higher interest rate on transactions and fees made outside the grace period. Specifically, it ranges from 11.9% to 36.3% per annum. |
| Also, the cardholder does not need to pay for annual card maintenance if they meet at least one fee waiver condition. | The bank deducts an annual card maintenance fee of 99 RUB per month if the cardholder fails to meet the fee waiver conditions. |
| The bank provides an extended grace period of up to 130 days for purchases and cashless payment for services. | For cash withdrawals and credit fund transfers, the cardholder is required to pay a very high fee of 4.9% of the transaction amount plus 490 RUB. |
| The cardholder can transfer credit funds for free within 30 days from the card issuance date. | |
| The bank awards cashback for card usage — the cardholder can earn up to 70% for purchases at partner stores of Bank Русский Стандарт, 6% for hotel bookings on the website "Russian Standard Travel", 5% for purchasing railway tickets on the website "Russian Standard Travel", 2% for paying for airline tickets on the website "Russian Standard Travel” |
How to apply
First of all, you can apply for a credit card at a branch of Bank Русский Стандарт. To do this, visit an office during business hours with all the required documents. You can also apply for a card online on the credit institution's website. To do this, go to the card application page and click the "Apply for Card" button.
Then the borrower needs to click the "Log In" button or enter the desired credit limit, card type, last name, first name, patronymic, date of birth, gender, mobile phone number, and email address. They will also need to click the "Next" button.
Next, the cardholder needs to confirm their phone number by entering the confirmation code sent via SMS. They will also need to enter passport details, permanent registration address, and actual residential address. Click the "Next" button.
Then the borrower needs to provide information about marital status and education, an additional emergency contact phone number, and an additional document. Also click the "Next" button.
Finally, the cardholder needs to create and enter a codeword and the card delivery method.
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