Which credit cards are best for cash withdrawals

Credit cards for cash withdrawals and their features

Please note that credit cards with interest-free cash withdrawals have their own features at each credit institution. Let's point out the important details recorded in the tariff plans:

• A credit card during the grace period for cash withdrawals can be either interest-free or subject to commission fees. The interest-free period is most commonly used.
• Virtually all terminals of the credit institution provide for cash withdrawals without interest, but a maximum limit is set for transactions.
• Cash withdrawals without interest are allowed at partner banks.
• If a third-party bank's terminal does not have an agreement with the credit card issuing bank, a fee is charged for withdrawing funds from the card account.
• Under the terms of the tariff plan, the credit institution may establish a complete ban on cash withdrawals, meaning settlements are made only in cashless form.

It is important to follow the main rule for a credit card: even if you withdrew funds without interest, the bank provides for the condition of returning the funds to the card account. The return may be subject to account top-up conditions either with or without a fee requirement.

Ratings of credit institutions for issuing credit cards for cash withdrawals

Each bank has an individual lending program that is profitable for both the credit institution and the borrowers. Most cardholders use this payment instrument for cashing out. Our financial services matching platform offers to apply for credit cards for cash withdrawals at the best banks in Russia, which, in our opinion, are represented by the following organizations:

1. Raiffeisenbank.
2. Touch Bank.
3. Alfa-Bank.

For each credit and financial organization, let's point out the main perks provided for cash withdrawals using the card.

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Raiffeisenbank – favorable terms for borrowers

Banking products of a well-known commercial bank are always popular with customers. You can apply for a credit card with cash withdrawals at Raiffeisenbank if you have reached the age of 23 at the time of application. This is an important criterion for the borrower.

You can choose credit cards with both interest on the balance and an expanded loyalty program in the form of cashback. We suggest paying attention to the "Cash Card" banking product, which has the following positive aspects of use:

• Subject to all conditions, you can withdraw cash in the amount of up to 600,000 RUB.
• Annual card maintenance is only 690 RUB.
• Free control of all operations in the mobile app and online banking.
• A very favorable interest rate on the credit line – only 29.0% per annum.
• You can connect SMS notifications for only 60 RUB per month.

The banking product has all the positive aspects of practical application, but there is an important requirement: the borrower must have a stable income of at least 25,000 RUB per month. Free cashing out is available at all Raiffeisenbank ATMs.

If you plan to withdraw money through third-party banks, the commission will be 0.5%, but not less than 50 RUB. To top up the card account, also note that if you top up the account in an amount up to 10,000 RUB, a fee of 100 RUB is charged for each operation. For topping up the account over 10,000 RUB, no commission is charged. If you plan to use the credit card in a foreign currency, there is a single commission for all conditions, which is 1.65% per transaction.

Touch Bank – withdraw cash for personal needs without fees

The second bank, in our opinion, that offers profitable credit cards for cash withdrawals is Touch Bank. However, a restriction is set for most credit products. Interest-free withdrawal is provided for an amount of no more than 150,000 RUB. If you violate this condition, an interest rate ranging from 12.0% to 49.9% is set above the limit.

Additional perks on the credit card:

• The card's grace period is 61 days; during this period, you can repay the debt with a 0% interest rate.
• The lending is of an open-ended type.
• There are many ways to top up the credit card for free.
• In cashless form, the interest rate is provided depending on the amount and ranges from 12.0% to 39.9%.
• The maximum permissible amount for cash withdrawals is up to 75,000 RUB per day.
• Within one month, you can cash out no more than 500,000 RUB.

Throughout the entire validity period of the card, you can top up the account, request an increase in the credit limit, receive cashback through the loyalty program, as well as interest on your own funds. Throughout the entire period of using the credit card, you can increase the credit amount by 2 times.

Credit cards for cash withdrawals from Alfa-Bank

The financial services matching platform suggests paying attention to the "100 Days Without Interest" card, where you can withdraw cash in a set amount in accordance with the selected tariff plan and card type. The following categories of credit cards are available to borrowers:

• Classic.
• Gold.
• Platinum.

For all card types, a maximum limit for commission-free cash withdrawals is set at 50,000 RUB within one calendar month. If you want to withdraw a larger amount, an interest rate ranging from 3.9% to 5.9% is established (the percentage depends on the card type and the withdrawal amount).

All cards are issued completely free of charge, and there is a grace period of up to 100 days. During the grace period, you can withdraw 50,000 RUB and return the money to the card account without any commission charges. The total annual rate is approximately 23.99% depending on the card type, and annual maintenance ranges from 1,190 RUB to 5,490 RUB. You can cover annual maintenance costs by participating in loyalty programs, for example, cashback when making purchases in the "Favorite Categories" category.