Cashback cards without a credit history

Why banks refuse to issue credit cards

Very often there is a situation when a credit organization refuses to issue a cashback credit card without credit history. The following factors may be the reasons for refusal:

• You do not have a permanent job.
• You change your workplace very frequently.
• You have worked at your last job for less than 3 months.
• You have open credit lines from 3 different banks, and you are the sole breadwinner in your family.
• There is record that you have not paid utility bills for 6 months and the management company has filed a lawsuit against you.
• You have been legally declared a bankrupt individual by a court.

Nevertheless, if you correct one of the prohibitive factors, the bank can reconsider your application within 30 days, with the exception of personal bankruptcy, where for 5 years you cannot apply for loans at any financial and credit institution in the country.

What an ideal cashback card without credit history rejection looks like

Major Russian banks offer interesting and attractive loyalty programs for credit programs where cashback allows you to not only offset the annual maintenance cost, but also receive rewards. The ideal credit card with cashback and no credit history rejections should look like this:

1. When making purchases, you can receive guaranteed cashback. Special offers allow you to get high cashback on purchases.
2. Subject to minimum tariff plan conditions and requirements, annual card maintenance is 0 RUB.
3. If there is an option to accrue interest on your own savings balance in the account, payouts are made at least once a month rather than annually.
4. Cashback bonus amounts are unlimited (to be fair, banks do set a maximum bonus limit).
5. A profitable way to receive cashback is as cash deposited to the account.
6. To track card transactions, there is free SMS notifications and a mobile app, as well as an online banking personal account.

Unfortunately, you will not find such ideal programs at any bank. For example, one bank might set standard cashback on all purchases at 1%, while annual maintenance is only 600 RUB. Another bank, conversely, sets an annual fee of 3,000 RUB, but offers extensive loyalty programs such as enhanced cashback of up to 30%, interest on own savings balances of up to 10% per annum, and favorable travel insurance conditions for trips abroad, etc. This makes it profitable to offset the expensive annual card maintenance and interest.

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Features of annual maintenance for cashback credit cards

Since cashback cards with poor credit history and no rejection from issuing banks involve paying a certain fee to Visa, Mastercard, or Mir payment systems, annual maintenance is a mandatory condition for all card types. However, there are special conditions and offers that reduce costs or incentivize the cardholder to perform certain transactions.

• Completely free cards. In this case, minimum tariff plan requirements must be met. If conditions are not met, annual maintenance of the banking product applies.
• Conditionally free cards. Here, the bank sets certain requirements, such as spending a specific amount using the card or maintaining a minimum account balance. In this case, the card is free, but for 1 calendar month.
• Paid card. In this case, the bank charges a specific fee according to the tariff plan, with no free maintenance conditions provided. As a rule, mandatory fees apply to credit programs with enhanced cashback. Fees range from 490 RUB to 1,800 RUB.

As you can see, the cost of annual maintenance for a credit card with cashback varies across commercial banks in Russia.

Examples of cashback cards without credit history

We invite you to review a table showing the loyalty programs offered by banks for credit cards with selected tariff plans

Bank/Card	Cashback program	Interest accrual on balance	Annual maintenance cost
Raiffeisenbank/Vsezrazu	1 RUB = 50 points. Conversion: 1 point = 1 RUB. Limit: no more than 1,000 points.	Not provided	First year: 0 RUB. From the second year: 490 RUB
Alfa-Bank/Cashback Card	By % category GAS STATIONS: 10%. Catering industry: 5%. All others: 1%. Point limit: 2,000 per month	At month-end: 8%	Annually: 1,900 RUB
VTB/Multicard	Gas station category: from 2% to 10%. Catering category: from 2% to 10%. Other categories: 1% to 4%. An additional 10% on the savings account.	At the end of the month - 7% balance.	Free if minimum requirements are met.
T-Bank / Platinum Card	All categories: 1%. Special offers: 30%. Rewards system: points.	Not provided	First 12 months: 0 RUB. From the second year: 490 RUB.
UniCredit Bank / Visa Air	Hotels category: 3%. Car sharing category: 3%. Airline tickets category: 3%. Other categories: 2%. You can earn up to 10,000 miles	Interest in the form of miles: 6% per annum.	Annually: 2,900 RUB
Home Credit Bank / Polza Gold Card	GAS STATIONS: 5%. Fast food: 5%. Air travel documents: 5%. Bank partners: 10%.	Not provided	Annually: 990 RUB
Sovcombank / Halva installment card	1.5% on all categories	Not provided	Free
UBRD / 120 days interest-free	No limit, 1.5% on all purchases	Not provided	Conditionally free, subject to minimum requirements
Promsvyazbank / Double Cashback	Fast food: 10%. Cinemas: 10%. Taxis: 10%. Card balance top-up: +1%. Other categories: 1%. A monthly limit of 2,000 RUB is set.	Not provided	990 RUB annually
Sberbank / With Big Bonuses	Gas stations and taxi services: 10%. Система общепита – 5%. Покупки в супермаркетах- 1,5%. Остальные категории – 0,5%	Not provided	4990 руб. ежегодно

Кредитные карты с кешбэком без кредитной истории — это реальная финансовая помощь, которая помогает решать сиюминутный вопрос, когда нет достаточного количества собственных денежных средств. Сервис подбора финансовых услуг предлагает вам ознакомиться с доступными предложениями, после чего вы переходите на официальный сайт банка, заполняете анкету и дожидаетесь решение оператора об одобрении заявки. Карточки можно получить как в офисе банка, так и заказать курьерскую доставку, если это предусмотрено маркетинговой кампанией кредитного учреждения.