Installment cards – make your favorite purchases profitably

Installment cards – TOP popular cards in Russia

Currently, the top banking products are represented by 3 types of cards that generate the greatest interest from buyers. In terms of installment card review popularity, the top 3 are represented by the following in-demand banking products:

• Card from the credit institution Home Credit.
• QIWI Bank card.
• Sovcombank installment credit card.

All featured cards have both similar and distinct lending and loyalty program parameters. An important difference is the availability of partner stores, as well as additional lending terms. When buying your favorite purchases at installment card partners, you can use the credit card interest-free for certain groups of goods for a period of up to 12 months. This is a major advantage of the payment instrument, which has no equal in the Russian banking system.

About the installment card from Home Credit Bank

The popular Home Credit Bank installment card takes the leading spot in the top ranking. This is because the credit institution offers buyers the most profitable and interesting conditions for using the banking product. The main positive aspects of using the Home Credit installment card:

• In all stores without exception, you can use the card for payment for 3 months, with no interest accrual system provided the card is repaid or topped up on time.
• In some partner stores and for certain groups of goods, interest-free installments are valid for up to 12 months.
• If you fail to repay the credit limit interest-free, the installment card starts working like a regular credit card, with an interest rate of 29.8% per annum.
• You can cash out funds, and in a number of cases without additional fees.
• To track transactions on the banking product, you can connect free SMS notifications.

Currently, Home Credit Bank's installment card partners feature over 20,000 stores. A detailed list of stores that accept Home Credit Bank installment cards is available on the official website.

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QIWI Bank's "Sovest" card

If you want to get big benefits from making your favorite purchases, we suggest applying for the Sovest installment card, presented by the issuing bank Sovest. Follow the link to the official page for applying for the Sovest installment card, leave your contact details, after which a bank operator will contact you and clarify the details of issuing the card. After the application is approved, the card will be delivered to its owner via courier service. The banking product is available only in certain regions of Russia, which are indicated on the official page of the Sovest card.

The basic tariff for the QIWI Bank "Sovest" card includes:

1. The fee for the issuance and courier delivery of the banking product is 0 RUB.
2. If the card is reissued at the initiative of the owner, a fee of 690 RUB is charged.
3. Information about transactions by sending SMS notifications to the phone number costs 0 RUB per month.
4. Monetary equivalent range from 5,000 to 300,000 RUB.
5. Installment validity period at partner stores from 1 to 12 months.
6. The card account balance can be topped up without an additional commission.
7. If you miss a payment, an interest rate of 10% per annum is charged on the remaining amount.

An additional payment amount of 290 RUB is provided if the cardholder allows a delay after a month of using the banking product (the penalty is charged the next day).

Sovcombank's "Halva" installment cards

Third place in the installment card ranking is held by Sovcombank. Currently, the credit and financial institution offers the Halva installment card, which has a number of undeniable advantages over competing payment instruments.

Positive aspects of using Sovcombank's Halva installment card:

• The installment period for certain product categories and partner stores is up to 12 months.
• Free delivery and free card issuance schemes are provided.
• The maximum possible limit is 350,000 RUB.
• Every cardholder can connect to SMS notifications for free.

Cardholders can top up the banking product with their own funds. In this case, the bank accrues interest on the balance at a rate of 8.25% per annum. This is one of the bank cards where you can earn extra money by depositing your savings there.

Which installment card is the best

Every banking product has its pros and cons, and therefore cardholders believe they have the best installment card, and in a way, they are right. For example, the Halva card is not available to all residents of Russia and can only be obtained in regions where Sovcombank operates. You can top up this card with your own funds and receive an additional 8.25% on them.

The Sovest card allows you to use credit, in case of untimely payment, with an interest rate of only 10% per annum, whereas at Home Credit Bank the rate is 28.9% per annum. Each bank has its own list of partner stores where you can pay for purchases profitably without overpaying on interest. To check the list of partner stores for an installment card, we recommend reviewing the list on the official website of the card's issuing bank.

Review the offer of the installment card issuing bank on our credit and shopping card selection service, and follow the link to the official application page of the banking product. Provide your initial details; if necessary, the bank may ask you to provide additional data. After that, submit your application and wait for the card to be delivered by courier to your home, or pick up the payment instrument at a bank branch.