Best credit and debit cards from Alfa-Bank: terms and benefits

Alfa-Bank Credit Cards — Choosing Made Easy

Credit cards are a popular banking product designed for cashless payments. Unlike debit cards, you spend existing funds first and then repay them — meaning you use money lent by the bank.

Alfa-Bank Credit Card — 100 Days Freedom from Interest

This banking product is well-known in the Russian financial market. The main advantage of the Alfa-Bank card is its long grace period, which can reach up to 100 days.

The credit limit depends on the type of payment instrument. For Classic / Standard cards: up to 500k; Gold: up to 700k; Platinum: up to 1 million RUB. All card types are issued free of charge, while the interest rate is determined individually starting from 11.99%. Cash withdrawals are free, but Alfa-Bank sets a limit of up to 50k per month. If you need to withdraw more, be prepared to pay interest. Maintenance fees also apply. The amount depends on the card type: Classic / Standard: from 590 RUB; Gold: from 2,990 RUB; Platinum: from 5,490 RUB.

Best Alfa-Bank Credit Cards for Travel

Alfa Travel Premium and Alfa Travel are the best credit cards from Alfa-Bank, offering very favorable terms. The first product features free annual maintenance and cash withdrawals, regardless of your location. You also earn up to 7% on the average monthly balance of up to 300,000 RUB. Earnings depend on the purchase amount:

• 1% — from 10,000 to 70,000;
• 6% — over 70,000;
• 7% — over 100,000 RUB.

You also get 11% back in miles for payments on travel.alfabank.ru and 5% back in miles for any purchases made with the card.

Note! 1 mile = 1 RUB.

Similar terms apply to the second product, except it returns up to 9% in miles and up to 6% on your account balance.

If this banking product is not suitable, take a look at other card types:

• Aeroflot. For every 60 RUB spent, you get a bonus of 1.1 miles. It features a generous limit of 500k. Every cardholder receives a gift of 500 free miles. Accumulated bonuses can be used to buy travel tickets, upgrade service classes, purchase goods, or order services from program partners. The grace period is 60 days.
• RZD. This is a credit card designed for profitable railway travel. The card includes free travel insurance for cardholders traveling abroad. A 60-day grace period and 1,000 welcome bonus points are provided. Additional bonuses include 1.25 points for every 30 RUB spent. The interest rate starts at 23.99% per annum.

Credit cards with cashback

This type of banking product helps you save a significant amount of money.

• Yandex.Plus is a payment tool that allows you to earn:
  • up to 10% on Yandex services;
  • up to 6% on travel;
  • 5% when paying at restaurants and entertainment centers;
  • 1% on all other purchases.

This card features a 60-day grace period and a credit limit of 500,000 RUB. The interest rate starts at 11.9%, with no annual fee. Cash withdrawals at any ATM incur a fee of 2.9%, with a minimum withdrawal amount of 290 RUB.

• CashBack is a product beneficial for vehicle owners. By paying for goods or services at gas stations, users can get up to 10% cashback. Having lunch at a cafe or restaurant on the go also helps you save, with 5% of the total amount returned. The 60-day grace period starts after any card transaction, whether it is a cash withdrawal or a payment for goods and services.

Note! The maximum cashback amount you can receive is 3,000 RUB.

Credit cards for shopping

Perekrestok is another product from Alfa-Bank that offers profitable shopping and savings. Points are awarded for every purchase. Earn 3 points per 10 RUB spent at Perekrestok, and 2 points per 10 RUB spent at other stores. The annual maintenance fee is 490 RUB, and the card includes a favorable 60-day grace period.

Please note! Perekrestok cardholders can use the Alfa-Mobile app for free.

Alfa-Bank Debit Cards: A Brief Overview

Among the banking products, you can choose Alfa-Bank debit cards:

• Alfa-Card. Apply online and receive 100 bonus points on your account. You can also save up to 3% on purchases and earn up to 7% on your account balance.

• Alfa Travel is a rewarding card for travelers. Accumulated miles do not expire and stay in your account. Insurance is included for all family members, and you get up to 11% back in miles on purchases.

You also receive privileges such as free luggage wrapping (for Visa Signature cardholders 4 times a year) and free unlimited roaming internet (MTS, Beeline, Tele2, Megafon).

• CashBack allows you to save up to 10% at gas stations and up to 5% when dining at restaurants or cafes.
• Apply for the Alfa-Bank Aeroflot card and receive 1,000 bonus miles as a welcome gift. In addition, you will earn 2 miles for every 60 RUB spent.
• The NEXT Mastercard youth card is designed for those who love visiting restaurants, cafes, and cinemas. Paying with this card lets you save up to 5% of your money. You can also order a card with a custom design.

How to Apply for an Alfa-Bank Credit or Debit Card

The application process is simple. Just fill out the application form (takes no more than 10 minutes), wait for Alfa-Bank's decision, and pick up your payment tool by presenting the documents specified in the application.