• Age from 18 to 75 years, though the bank may set its own age limits for borrowers depending on the region.
• Russian citizenship is required.
• Permanent registration in one of the regions of Russia is required.
• Official employment for at least 6 months is required.

The bank reserves the right to review an application without proof of official income, but in this case, you will receive the minimum credit limit starting from 10,000 RUB.

• Passport of a citizen of the Russian Federation.
• Passport registration details.
• 2-NDFL certificate (optional).
• Pension certificate.
• Income details (for all categories, including students and pensioners).

In addition, the bank has the right to request other documents from borrowers to approve the application.

The financial services comparison service invites you to apply for the Sovest installment card with cashback from the bank's partners. To properly submit your application, follow these guidelines:

• Read reviews of the Sovest installment card on our service and go to the bank's official website to submit an application.
• Provide the required information to fill out the application form (fill in every field without exception).
• Provide your contact phone number and email address.
• Submit your application.
• Wait for the credit institution's decision within a few minutes.

Next, a bank courier will contact you to confirm the delivery address and time for the banking product. QIWI Bank does not have its own branches; the installment card is delivered by its own courier service in a number of regions across the country.

While cashback can be converted into real money with other credit institutions, with the installment card—despite the 1 point = 1 RUB conversion rate—bonuses cannot be monetized. As you complete each stage of the tasks, the points you earn can only be spent on:

• Activating the "Desyatka" program (up to 100% of the cost).
• Free activation of the "Purchases in all stores in Russia" option, or partial payment.
• Full or partial activation of the "Cash withdrawal" option.
• Reducing the commission for the "Purchases abroad" option.

Thus, the cashback earned can ultimately only be spent on paying for options; points cannot be exchanged for real money or other discounts. At the same time, the constantly updated loyalty program for the Sovest card introduces new offers that will allow future exchanges of earned points and bonuses for real discounts at partner stores. The card features no initial down payment (0 RUB), no annual maintenance fee (0 RUB), and an interest-free installment period ranging from 1 to 12 months. The exact installment period for a specific transaction can be found in an SMS notification or by checking online banking.

1. Tariff plan description.
2. General service standards for the "Sovest" card.
3. Standards for using installment plans.
4. Information on full crediting of the borrower.
5. Requirements for borrowers, card issuance conditions.