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Credit Europe BankSvoya Kreditka credit card from Svoy Bank
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Articles about credit cards
About the card
"Svoya Kreditka" is the only credit card offered by Svoy Bank. However, only the most advantageous terms are provided for its cardholders: free maintenance, a long grace period, and cash withdrawals without commission.
Terms
Issuing the credit card and its maintenance are always free. However, the borrower does not have the opportunity to issue an additional card or reissue the current one — as of today, the bank does not provide such services.
Additionally, the cardholder can enable transaction alerts. The cost of this service is 99 RUB per month. The bank does not charge a commission for the first two months from the moment alerts are enabled.
The credit limit on the card ranges from 10 to 300 thousand rubles. The bank determines it for each borrower on an individual basis.
A grace period of up to 120 days applies to the credit card. It applies to any purchases and payment for services.
The minimum monthly payment on the credit card is no more than 2.5% of the debt amount, but not less than 500 RUB. It must be paid to maintain the grace period and to avoid overdue debt.
Svoy Bank does not accrue interest on purchases made within the grace period. Outside the interest-free period, the credit organization charges from 11.9% to 29% per annum on purchases and payment for services and 59% per annum on cash withdrawals and transfers.
If the minimum payment is missed, the bank charges a penalty of 20% per annum on the overdue debt amount.
The borrower can withdraw cash for free at ATMs of any banks for an amount of up to 50 thousand rubles per month. For exceeding this limit, they will need to pay a commission of 6.9% of the transaction plus 590 RUB. The same fee is provided for transfers.
The bank does not accrue cashback for purchases.
Borrowers who meet the following requirements can get a credit card at Svoy Bank:
- are citizens of the Russian Federation;
- have permanent registration and place of residence within the territory of the Russian Federation;
- aged from 18 years at the time of application up to 70 years at the expected maturity date of the loan agreement;
- have continuous work experience at their current job for at least three months.
To get a credit card with a limit of up to 100,000 RUB, providing only a Russian Federation citizen passport is sufficient. For approval above 100,000 RUB, an income verification document will also be required.
| Pros | Cons |
| The bank does not charge a fee for the issuance and maintenance of the credit card without any conditions. | The bank provides a small credit limit — only up to 300,000 RUB. |
| The bank provides a long grace period for purchases and payments made with the credit card. | The bank charges a high interest rate outside the grace period — from 11.9% to 59% per annum. |
| The credit card holder can withdraw cash without a fee of up to 50,000 RUB per month. | For cash withdrawals and borrowed funds transfers, the cardholder will need to pay a high fee — 6.9% of the transaction plus 590 RUB. |
| A bank client can attempt to get a credit card at the age of 18. | The bank does not accrue cashback for purchases made with the credit card. |
| The bank does not require income verification when applying for a credit card. | To get a credit card with a limit starting from 100,000 RUB, the borrower will need to provide income verification documents. |
| If necessary, the bank can have a courier deliver the card to the client's home or any other convenient address. |
How to apply
You can apply for a credit card in two ways: at a branch of Svoy Bank and on the website of the credit institution. In the first case, the borrower needs to visit the company's office during business hours with all the necessary documents. To apply online, the future cardholder needs to go to the credit card page and click the "Get a card" button.
Next, the user needs to specify the desired credit limit, as well as enter their last name, first name and patronymic, date of birth, gender, e-mail address, and mobile phone number. Then click the "Continue" button.
Next, the bank client needs to enter the confirmation code from the SMS message, enter passport details, and click the "Continue" button.
Then the user needs to enter their registration address and actual residential address and click the "Continue" button again.
Next, the bank client should specify employment and education information and click the "Continue" button again.
Then the user needs to specify income information and click the "Continue" button again.
Next, the future cardholder needs to enter an additional phone number and click the "Continue" button.
After that, the website user needs to select the credit card delivery address and click the continue button again.
Finally, the future cardholder needs to specify the delivery date and time and click the "Continue" button again.
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