Installment bank cards with no annual maintenance fee

Which banks issue installment cards with no annual fee

Today, there are not so many banks that issue installment cards without an annual maintenance fee.

• In first place is Sovcombank with its Halva installment card. This is a banking product that combines the features of debit and credit cards. Halva cardholders can buy goods in installments (up to 18 months) and receive profitable cashback (up to 6%). If you have your own money on the card, you will be paid 7% on the balance of funds.
• #instead of money is Alfa-Bank's card with no maintenance fee. The principle of operation of the plastic is the same as that of any other installment card. The purchase cost is divided into equal parts for the installment period. To avoid delays, the borrower must top up the account on time and settle accounts with the creditor.
• "Sovest" card from Qiwi Bank. A product that allows you to use borrowed funds spent on purchasing goods for 12 months. The financial institution has set an impressive limit — 300,000 RUB.

Please note! A fee of 699 RUB is charged to the cardholder for breaching contract terms and failing to deposit funds on time.

• The Home Credit Bank installment card is Svoboda. The card offers a 12-month installment plan at the bank's partner stores. If you need to make a purchase outside the partner network, the installment period is only 51 days.

All these cards feature free annual maintenance. Once the card is issued to the client, the terms cannot be changed.

Alternative options

If for some reason the listed cards with loyalty programs do not suit you, please check out other options.

Russian Standard Platinum. This is a credit card that can be applied for online in 5 minutes. It features a revolving credit limit of up to 300 000 RUB + installments of up to 24 months at 0%. There is no cash withdrawal fee, and the bank's partners offer great discounts. It is not possible to get an installment card with no annual fee; a fee of 590 RUB is charged.

CARD CREDIT PLUS overdraft card from Credit Europe Bank. The card provides 5% cashback on purchase amounts. Cashback is available in the following categories: cafes and restaurants, health and beauty, entertainment, clothing and footwear. For all other purchases, it is 1% of the amount. There is a "Purchase in Installments" program. No maintenance fees are charged to the cardholder.

You may also want to consider advantageous cards with an interest-free grace period. For example, you can apply for the #VseTaki (Rosbank) credit card and enjoy a grace period of up to 62 days. The Alfa-Bank Cash Back credit card offers good terms, featuring cashback of up to 10% and a zero-interest period of up to 60 days. The 100 Days Without % Classic card (Alfa-Bank) and VTB Multicard are also in high demand.

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How to get a card if you have no official employment

To apply for an installment card with no annual fee or another payment instrument, submit an application using our service. Once you are redirected to the official website, fill out the application form by providing the requested information. Provide documents if necessary.

In the employment field, state that you are temporarily unemployed.

In the regular income field, enter the current amount. For example, if you own a dacha and sell vegetables and fruits from it, or if you knit socks to order.

According to statistics, installment cards are issued to almost all clients who apply. The exception is citizens with a poor credit history who have had run-ins with collection agencies or whose cases went to court. People currently serving prison sentences should not expect to get a card.

Benefits of installment cards with no annual fee

By getting a card, you will be able to make profitable purchases and solve everyday issues.

Key benefits:

1. Fast application processing. The procedure is done online without visiting an office.
2. Efficiency. The cards are unpersonalized, so they can be picked up at the office the same day.
3. No down payment when paying for goods.
4. Developed service network. You can buy household appliances, clothing, and construction materials at various stores.
5. The opportunity to get a discount when purchasing goods at the bank's partner stores.
6. Free card issuance.
7. Minimum documents required. The card is issued with just a passport. Additional certificates are rarely requested.
8. When issuing an installment card with no annual fee, banks set simple requirements for the user: legal age + registration in the area where the financial institution is located + Russian citizenship.

The card is delivered by Russian Post or courier. You can also pick it up yourself at a bank branch.