60 days 0% credit card from Alfa-Bank

Card issuance, as well as reissuance due to expiration or at the bank's initiative, is always free. Alfa-Bank does not charge a fee for using the card during the first year of use. However, starting from the second year, you will need to pay 990 RUB per year. 

Additionally, you can enable transaction alerts. The cost of this service is 159 RUB per month. Transaction alerts are free during the first month of service. You can also opt into voluntary life and health insurance. Its cost is 1.3019% per month of the debt amount.

The credit limit on the card ranges from 5 thousand to 1 million RUB. It is determined for each borrower on an individual basis.

Purchases made within the first 30 days of service are subject to a grace period of 365 days. Starting from day 31, the interest-free period is standard—up to 60 days. It applies to purchases, as well as cash withdrawals and transfers.

The minimum monthly payment on the credit card ranges from 0% to 10% of the debt amount, but not less than 300 RUB.

The bank does not charge interest on purchases, cash withdrawals, and transfers made within the grace period. Outside the interest-free period, the interest rate is applied as follows:

• 11.99% per annum is charged by the bank on purchases made outside the grace period;
• 59.99% on cash withdrawals and transfers made outside the grace period.

If the minimum payment is overdue, the bank charges a penalty of 0.1% per day on the overdue debt amount.

You can withdraw cash from the card for free up to an amount of 50 thousand RUB per month. For exceeding this limit, you will need to pay a fee of 3.9% of the transaction plus 390 RUB. For transfers, you will need to pay 5.9% of the amount plus 150 RUB.

By paying with your credit card, you can earn cashback on purchases:

• from 1% to 5% for purchases in selected categories;
• up to 33% on purchases at Alfa-Bank partner stores.

You can also win up to 100% cashback on purchases made with the Alfa-Card. To participate in the sweepstakes, open the Alfa-Bank mobile app, go to the "Cashback and Privileges" section, and click the "All Your Cashback" button.

Borrowers who meet the following requirements can apply for the credit card:

• are citizens of the Russian Federation;
• have permanent registration, actual residence, and a place of work in the region where the bank operates;
• aged 18 and older;
• have a regular income of at least 5,000 RUB per month after taxes.

To get a credit card with a limit of up to 150,000 RUB, you only need to provide a Russian internal passport. To get approval for 150,000 to 200,000 RUB, you will also need a second document of your choice:

• international passport;
• a driver's license;
• A TAX ID (INN);
• A INSURANCE NUMBER (SNILS);
• mandatory medical insurance policy (OMS);
• a debit or credit card from any bank.

To get approval for 200,000 to 1,000,000 RUB, you will also need documents confirming your income and employment.

Pros:

• free card issuance;
• free maintenance for the first year of use;
• high credit limit — up to 1,000,000 RUB;
• a long grace period of up to 365 days;
• free cash withdrawals up to 50,000 RUB per month;
• cashback of up to 33% of the purchase amount;
• possibility to obtain the card at 18 years old;
• the option to get a card with a limit of up to 150,000 RUB with just one document;
• home delivery of the card by courier.

Cons:

• paid maintenance starting from the second year of use;
• a high interest rate outside the grace period of up to 59.99% per annum;
• high fees for cash withdrawals and transfers;
• documents confirming income and employment are required to get approval for a card with a limit starting from 150,000 RUB.