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180 Days Without Interest credit card from Gazprombank
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Articles about credit cards
About the card
"180 Days Without Interest" is a relatively new credit card from Gazprombank. Its holders can enjoy a zero annual fee for the first year of use, withdraw up to 50,000 RUB per month free of charge, and earn cashback of up to 50% on purchases.
Terms
Card issuance and reissuance due to expiration or at the bank's initiative are always free. Getting a new card to replace a lost one, a lost PIN, or due to personal data changes costs 300 RUB. The card maintenance fee is 990 RUB per year starting from the second year.
You can also opt in to transaction alerts. This service is always free.
The credit limit on the card ranges from 10 thousand to 1 million RUB. It is determined for each borrower on an individual basis.
The card offers a grace period of up to 180 days, which applies to purchases only.
The minimum monthly payment on the credit card is 3% of the debt amount, but not less than 500 RUB.
The bank does not charge interest on purchases made within the grace period. Outside the interest-free period, Gazprombank charges from 11.9% to 36% per annum on purchases and from 39.9% to 69.9% per annum on cash withdrawals and transfers.
If the minimum payment is overdue, the bank charges a penalty of 0.1% per day on the overdue debt amount.
You can withdraw up to 50,000 RUB per month from the card for free. Exceeding this limit incurs a fee of 5.9% of the transaction amount plus 590 RUB. Transfers are subject to the same fee of 5.9% plus 590 RUB.
By paying with your credit card, you can earn up to 50% cashback on purchases at Gazprombank partner stores.
Borrowers who meet the following requirements can apply for the credit card:
- are citizens of the Russian Federation;
- have permanent registration and a place of residence in Russia;
- aged 20 to 62 years old;
- have employment tenure at the current job of at least 3 months for individuals and at least 12 months for individual entrepreneurs.
To obtain the credit card, you only need to provide a Russian passport. However, the bank may additionally request documents confirming your income and employment.
Pros:
- free card issuance and reissuance;
- high credit limit — up to 1,000,000 RUB;
- long grace period — up to 180 days;
- free cash withdrawals up to 50,000 RUB per month;
- cashback accrual of up to 50% of the purchase amount;
- the ability to apply using a single document.
Cons:
- high interest rate outside the interest-free period starting from 11.9% per annum;
- high fees for cash withdrawals and transfers;
- the bank may request documents confirming income and place of employment.
How to apply
You can apply for a credit card at a Gazprombank branch or online via the bank's official website. In the first case, you need to visit the bank office with the required documents. To apply online, you need to:
- go to the Gazprombank website;
- click the "Apply for card" button;
- enter last name, first name, and patronymic, mobile phone number, and email address, and check the box;
- click the “Next” button;
- provide passport details, gender, marital status, registration address, and residential address;
- click the “Next” button;
- provide information about education, employment, place of work, and average monthly income;
- click the “Next” button;
- specify the desired credit limit, city, and method of receiving the card;
- click the "Submit Application" button.
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