Which banks issue credit cards with just a passport

Is it profitable to get a credit card with just a passport?

Yes, now a credit card without certificates and with just a passport provides terms similar to those of another banking product—a cash loan. The advantages of applying for credit cards with just a passport and without refusal are as follows:

• The banking product provides for the use of the card as a cashless payment option.
• If necessary, you can withdraw cash.
• A preferential interest-free grace period for using credit funds is established, ranging from 30 to 150 days.
• You can receive guaranteed cashback returns for purchases at the bank's partner stores.
• Other loyalty programs are provided for using the credit card.
• Interest rates will be lower than for a regular loan, and in some cases, under the grace period, the rate will be 0%.

Getting and applying for a credit card with just a passport is quite simple. You need to indicate the data of your main document in the application, including the passport series and number, date and place of issue, and your personal data (last name, first name, patronymic, date and place of birth). It is also necessary to provide information on the permanent residential address; if necessary, we indicate information on temporary stay in the application form, if any (according to a certificate from the migration service of the Ministry of Internal Affairs of Russia).

T-Bank – Platinum card with just a passport and no refusals

Russia's largest commercial bank issues credit cards on standard terms, where it is sufficient to provide passport data for the Platinum credit card. Main terms of the credit card with just a passport:

• Credit line – maximum amount up to 300,000 RUB.
• Grace period of preferential crediting – 55 days at 0%.
• Monthly payments – from 6%-8% of the principal debt.
• Interest rate – from 12.99% per annum.
• Maintenance fee – 590 RUB per year.

The main advantage of an instant online credit card issued with just a passport is that this banking product is available to applicants who have reached 18 years of age. For comparison, most other lending institutions are ready to review applications from young borrowers aged 20–24.

The application is submitted entirely online. The bank does not have its own branches, and the card will be delivered by a courier service within 1–7 calendar days. If courier delivery is not available in your region, the banking product will be sent via Russian Post, and delivery time will be extended to 14–31 days. The credit card offers a guaranteed 1% cashback, and up to 30% when cooperating with partner stores. Accumulated points can be spent at cafes and on transport tickets.

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Pochta Bank – 120 days interest-free

By submitting an online application for a passport-based credit card with Pochta Bank, you are making the right choice regarding the "Element 120" banking product. Today, Pochta Bank has managed to replace Sberbank in providing banking services to socially significant segments of the population. All categories of borrowers up to 65 years of age can use these banking services. The main feature of the "Element 120" credit card is the ability to use credit funds for 4 months without interest, i.e., at 0% for 120 days.

• Credit limit – from 15,000 to 500,000 RUB.
• Grace period – 4 months or 120 days.
• Mandatory monthly payment – from 5% of the principal debt.
• Interest rate on the main credit – 27.9% per annum.
• Annual credit card maintenance – 900 RUB.

No cashback is provided for this card, but there is an option to withdraw cash without commission in the amount of up to 100,000 RUB at VTB partner banks and co-branding institutions. The 120-day grace period allows the borrower to repay the loan without paying any interest.

Credit card with just a passport – MTS Cashback, get profitable cashback

The third most popular credit product requiring only a single document – the internal passport of a citizen of the Russian Federation – is offered by the bank:

• Credit limit – up to 299,999 RUB.
• Annual maintenance – 299 RUB.
• Grace period with a 0% interest rate – 111 days.
• Interest rate outside the grace period – 10.5%.

Extensive loyalty program: 5% cashback in gas stations, supermarkets, and cinemas categories, 1% for all other categories, and discounts of up to 25% with partners.

The MTS Bank card is also available to those with a poor credit history. However, non-subscribers of MTS can only count on a credit amount of up to 100,000 RUB, while all other MTS subscribers can receive up to the specified credit limit. The banking product is available to individuals aged 18 and older.

UBRD Bank – 4-month grace period and 0 RUB annual maintenance

An additional attractive banking product is the credit card from UBRD, where you can benefit significantly from using this advantageous banking product:

• Loan in the amount of up to 300,000 RUB.
• Grace period – 120 days.
• Interest rate outside the grace period – 27%.
• Loyalty program – 1% cashback on all purchases in stores and online.
• Card maintenance – 0 RUB annually.

Cash withdrawals are subject to a commission of 4% plus an additional 500 RUB. However, if you manage to repay the funds before the end of the grace period, the commission will not be charged. It is important to remember that with just a passport during the initial application expansion, you can only get approval for 60,000 RUB. Later on, if you successfully meet the credit line requirements, the bank will unilaterally increase the credit to the specified amount under its marketing program.

Rosbank – use credit for 120 days at a 0% rate

Apply for a credit card with your passport at Rosbank and use the allocated credit limit for 120 days with a 0% interest rate. If you want to withdraw cash, be prepared to pay 4.9% plus an additional 490 RUB per transaction.

• Credit line – up to 1 million RUB.
• Grace period – up to 120 days.
• Interest rate outside the grace period – 21.4%.
• Cashback – not provided.
• Annual maintenance – 0 RUB, provided monthly spending is 15,000 RUB or more.

If you spend less than the specified amount, the bank will set a maintenance fee of 99 RUB per month. Please note that a Rosbank credit card issued with just a passport will only be approved for an amount up to 100,000 RUB. If you need a larger amount, you will need to confirm your solvency with a 2-NDFL income certificate.

Vostochny Bank – returns 5% cashback and a 60-day grace period

If you want a guaranteed credit card issued with your passport, take advantage of the offer from Vostochny Bank. The card is available with a passport for ages 26 to 76, but if you are 21, you will need to provide additional information to get your application approved.

• Grace period – 60 days.
• Credit line – up to 300,000 RUB.
• Cashback – a 5% refund amount is available.
• Annual maintenance – 0 RUB, if there is an outstanding balance.
• Interest rate – 10.0%.

You need to select cashback categories that will yield a 5% refund. Other categories will have a standard 1.5% cashback.

Summary table for credit cards issued with just a passport

Name	Grace period, days	Limit, RUB	Cashback	Annual maintenance
T-Bank, Platinum	55	300 thousand	1% on everything, 30% special conditions	590 RUB
Pochta Bank	120	500 thousand	None	900 RUB
MTS Cashback	111	299 thousand	Discounts up to 25%, 5% on categories	No
UBRR	120	300 thousand	1% on everything	No
Rosbank	120	1 million	None	No*
Vostochny	60	300 thousand	5%	No*

Annual card maintenance is waived only if the borrower meets the minimum maintenance requirements specified in the Bank's Tariff Plan Terms.