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Articles about installment cards
AllInstallment card reviews
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Got Halva, so far satisfied. Everything is simple, it even helps with installment payments for taxes. The online bank is convenient, everything is always visible: balance, statements. Money refunds without problems. I recommend it!
Great card! The limit is quite reasonable, and the interest rates aren't astronomical. The cashback is a nice bonus, especially for non-cash payments. No issues with service, and online banking works without glitches. I recommend it to everyone!
I recently got the "URBAN CARD" and my impressions are positive so far. At first, I was attracted by the installment option, but that's not all! The card offers not just installments, but also cashback, which is very pleasant. Everything is easy and simple via online banking — I check my balance, view statements, and manage my funds without any problems. The loyalty program is also great; there are many partners where you can get a discount. The application was reviewed quickly, in just a couple of days, which made me very happy. Customer service is also excellent; you can always contact the bank and get help. I also like that you can set up autopayments, which is very convenient; you don't have to remember to make payments every time. Overall, I'm satisfied so far!
Best offers
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Limit1,000,000 RUB
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0% interest55 days
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Cashback30%
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Ratefrom 0 %
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Limit500,000 RUB
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0% interest2 years
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Cashback10%
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Ratefrom 0 %
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Limit300,000 RUB
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0% interestup to 100 days
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Cashback10%
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Ratefrom 0 %
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Limit1,000,000 RUB
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0% interest55 days
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Cashback10%
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Ratefrom 7.9 %
Installment cards are needed to make purchases here and now, without putting them off for many months. But it is not always possible to pay by cashless methods. Therefore, the need for cash sometimes arises. Withdrawing money from such cards is not the best idea, since most banks charge a hefty commission and set a high interest rate for cash withdrawals. However, there are a few installment cards that offer free cash withdrawals.
Is it possible to withdraw cash from an installment card?
Most installment cards are intended not for cash withdrawals, but for cashless payment for goods and services. For cash withdrawals, transfers, and equivalent operations, banks charge significant commissions and interest rates. For example, on the Platinum installment card, T-Bank charges a commission of 2.9% of the transaction plus 290 RUB, as well as an interest rate ranging from 30% to 69.9% per annum for each day borrowed funds are used.
Nevertheless, there are installment cards from which you can withdraw cash absolutely free of charge — with no commission and no interest. But there are very few of them. Most cards still involve an overpayment for cashing out borrowed funds.
Limit
period
VezdeDohod credit card from Pochta Bank 
MTS WEEKEND credit card from MTS Bank 
My Freedom credit card from UBRD 
Russian Standard Bank installment card "Platinum" How to properly choose an installment card for cash withdrawal?
When choosing an installment card, you need to pay attention to tariffs. For the cash withdrawal service to be completely free, it is important that both the commission and the interest rate for using borrowed funds are absent.
Therefore, when choosing an installment card, we recommend paying attention to the following nuances:
- Issuing and maintenance cost. It is better if the installment card is completely free, without having to meet any conditions. Then the cardholder truly will not have to pay for using credit funds. When using the card, we recommend paying attention to paid services, which are best disabled.
- Credit limit. Here, what matters is not the maximum, but the minimum amount. Getting a large credit limit right away is very difficult, especially if a person is applying to the bank for the first time.
- Grace period. Not only its duration matters, but also the transactions it applies to. To avoid paying for withdrawing cash from the card, it is important that the interest-free period also applies to cashing out the credit card.
- Cash withdrawals and transfers of borrowed funds. It is best if these operations are free of charge, meaning the bank does not charge a commission when they are performed. Credit institutions usually set a certain limit for cash withdrawals, for example, 50,000 RUB per month.
- Bonus program. Almost all installment cards feature profitable loyalty programs. By paying with such cards, you can earn cashback on purchases, which is an additional benefit of using an installment card.
Which installment cards allow you to withdraw money without interest and commission?
There are very few installment cards that allow you to withdraw cash without commission and interest. Nevertheless, they do exist. We have studied the terms at various banks and prepared a top 3 selection of cards.
| Name | Issue fee | Servicing | Transaction alerts | Credit limit | Grace period | Interest rate | Cash withdrawal | Transfers of borrowed funds | Cashback | Borrower requirements |
|---|---|---|---|---|---|---|---|---|---|---|
| Sovcombank "Halva" | free | free | free | up to 500 thousand RUB | up to 24 months | from 0% per annum | with a commission of 399 rubles and a 3-month installment plan | free up to 150,000 RUB per month, thereafter with a commission of 1%, but not less than 50 rubles and not more than 1.5 thousand rubles |
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| VTB "Card of Opportunities" | free | free | 79 RUB per month | up to 1 million RUB | up to 200 days | from 9.9% per annum | free up to 100,000 RUB in the first 30 days after receiving the card, thereafter with a commission of 5.9% plus 590 rubles | free up to 100,000 RUB in the first 30 days after receiving the card, thereafter with a commission of 5.9% plus 590 rubles |
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| Gazprombank "180 Days" | free | free for the first year, then 990 RUB per year | free for the first month, then 99 rubles per month | from 10 thousand to 1 million RUB | up to 180 days for the first two billing periods, up to 90 days thereafter | from 24.9% per annum | free of charge up to 50,000 RUB per month, then with a fee of 5.9% plus 590 rubles | with a fee of 5.9% plus 590 rubles |
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