Perekrestok card from Alfa-Bank

What are the features of the card

Co-branded cards are banking products issued under two brands: the issuing bank and a partner, in this case a supermarket chain. The "Perekrestok" credit card allows you to earn extra cashback on purchases at Perekrestok stores, with most of its useful features working best when shopping there. However, the card also has universal features.

· The card has a grace period. You can use the bank's money interest-free for 60 days. You can avoid paying interest on purchases both in regular stores and online.

· The maximum credit limit available to the customer is 700 000 RUB. However, the bank determines the approved amount independently. With regular use of the credit card and timely payments, the bank usually increases the available limit.

· The minimum loan payment is 5% of the debt amount.

· The grace period allows the customer to reuse the funds once the full balance is paid off.

The features regarding bonuses for purchases at Perekrestok are as follows:

· There is a welcome bonus system. Upon the first purchase, the customer is awarded 5 000 points, calculated at a rate of 10 points = 1 RUB, equal to 500 RUB.

· For every 10 RUB spent in the store, the customer earns 3 points.

· For every 10 RUB spent outside of Perekrestok, the cashback is 2 points.

· When spending in Perekrestok's "favorite categories", the customer earns 7 points per 10 RUB spent.

Taking the welcome points into account, using the card specifically at Perekrestok makes it very profitable if you make everyday purchases at this chain. However, keep in mind that points usually have an expiration date and must be converted into a discount at the supermarket checkout in time.

Tariff

In addition to the general characteristics already mentioned, the tariff includes the following:

· The minimum approved amount is 10 800 RUB.

· There is no interest rate on the account balance.

· Annual maintenance costs 490 RUB.

· Providing proof of income is optional for the bank, but it will be pleased if you do.

· Card delivery is available to bank branches only and takes up to 5 days.

· Free mobile apps for Apple and Android OS.

· Free online banking.

· SMS notifications, a chip, and contactless payment methods are available.

The card is modern and supports all available market security methods, including 3DSecure, ensuring safe online shopping. Remember that the grace period also applies to online store purchases.

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Loan terms

The requirements for obtaining a co-branded card from Alfa-Bank are very lenient. The bank will not even ask for income certificates. However, we understand that the approved amount will likely depend on this. Therefore, if you are able to confirm your income, it is advisable to provide a certificate.

The remaining conditions are as follows:

1. The future borrower must be of legal age.

2. Must be a citizen of the Russian Federation.

3. Registration in the region where the bank operates is required, though the bank may verify that the registration radius does not exceed 120 km from the branch, and up to 200 km in some regions.

4. Work experience of at least 3 months is required.

5. There is a minimum required net income, but it is very low: 9,000 RUB for Moscow and 5,000 RUB for regions.

6. The credit card is not issued to sole proprietors.

7. It is recommended to provide the bank with proof of ownership such as a vehicle title (PTS), medical insurance, or a passport with active visas. This also increases the bank's trust in the borrower.

According to the terms, the bank is ready to issue a credit card without special requirements, however, to increase the credit limit, the client will need to provide proof of solvency.

Required documents

The document package depends on how much credit money you want.

The minimum package is as follows:

· Russian citizen's passport with registration stamp.

· Confirmation of 3 months of work experience (a certified copy of the employment record book can be used).

Additionally, you can provide:

· 2-NDFL income certificate.

· Certificate of vehicle title (PTS), insurance, or other property ownership.

How to apply

It is most convenient to apply for the card through the website. After filling out the application form, a credit manager will contact the prospective client to discuss all the nuances and process the card application. After that, the client will need to visit the office with documents and wait for the final card approval. You will need to pick up the ready card at the same office.

Additional information

The client always finds out the credit limit upon receiving the card. Usually, it does not exceed 50,000 RUB. But even if the client did not provide additional documents, but constantly uses the card according to the rules, in most cases the bank starts increasing it. It is recommended to use the card for those who regularly make purchases at Perekrestok, as the most profitable cashback for the card is available there.

Frequently asked questions about the card

1. How long will the bank review the application?

The bank usually makes an initial approval very quickly, in a couple of minutes. Final approval can take up to a day.

2. How to find out if the card has been approved?

The bank will contact the client directly via SMS or a phone call from an operator.

3. How is delivery carried out?

The card is delivered only to the bank office, and the client must pick it up independently.