Online application for credit cards via Russian Post

What you need to know about the banking product

According to the terms of a credit card delivered by mail, the banking product remains the property of the Russian financial and credit institution. The credit funds issued to the cardholder are also the property of the bank. The borrower signs an agreement with the bank committing to fulfill the terms of the lending contract. The borrower has the right to:

• Use the allocated funds for both intended purposes and personal needs.
• Pay merchants via cashless transactions.
• Withdraw cash from ATMs.
• Participate in loyalty programs (discounts, bonuses, cashback).
• Repay the borrowed funds within the agreed timeframe.
• Receive additional attractive lending terms from the bank, etc.

In turn, by submitting applications for credit cards by mail, the borrower assumes financial and other liability toward the credit institution.

What loan programs are available to borrowers

A credit card issued via Russian Post is a fully functional banking product that possesses all the characteristics of a payment instrument. By arranging the postal delivery of credit cards, the borrower has the right to fully utilize the banking product in accordance with the lending agreement.

1. Interest rate. The designated fee for using the funds provided by the bank.
2. Grace period. The number of days during which no interest is charged for using the funds.
3. Own funds. The borrower has the right under the agreement (if provided for) to deposit their own funds.
4. Minimum payment. The bank sets the amount and size of the mandatory payment required to fulfill the terms of the lending agreement.
5. Loyalty program. The accrual of bonuses and cashback to reduce the debt burden under the terms of the credit card delivered by mail.
6. Annual maintenance. The fee charged for servicing the card account. The bank may set a specific annual maintenance fee or make the maintenance free of charge.
7. Credit limit. The amount of funds belonging to the bank that are transferred to the borrower under lending terms.

Additionally, there are other terms for applying online for credit cards by mail as stipulated in the agreement.

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Which banks deliver credit cards by mail

You can submit a remote online application through our financial service and select a financial institution matching your criteria that delivers credit cards via Russian Post. If there is no bank branch in your region of residence, you can specify convenient delivery methods in your application: courier service (not available in all regions of the Russian Federation) or Russian Post.

Banks that deliver credit cards via Russian Post:

1. Renaissance Credit Bank.
2. Raiffeisenbank.
3. Банк «Т-Банк».
4. Binbank.
5. Svyaznoy Bank.
6. Alfa-Bank.
7. Citibank.

Please note that when submitting an application, you must select Russian Post as the delivery method.

Renaissance Credit cards.

The commercial bank approves applications within just 15 minutes. To fill out the application, providing passport details is sufficient. According to Russian Post terms, the card will be delivered within 14 calendar days.

• Borrower age: 24-65 years.
• Registration confirming permanent stay or residence in Russia.
• Must have a work experience of at least 3 months at the current job.
• Income confirmation: Moscow - 10,000 RUB, other Russian regions - 8,000 RUB.
• Credit limit: up to 300,000 RUB.
• Plastic card maintenance fee: first year - 450 RUB, thereafter - 900 RUB annually.
• Interest rates from 24% to 79% (calculated individually).
• Grace period: 55 calendar days.

Cashback is accrued at 1.0% on all purchase categories and 5% in special categories. The maximum monthly cashback amount is 1,000 RUB.

Mail-order card from Raiffeisenbank

A unique offer for borrowers ordering credit card delivery by mail is the "Cash Card". This program features no cash withdrawal commission. This rule applies to Raiffeisenbank and Rosbank ATMs.

• Approved limit: up to 150,000 RUB.
• Annual maintenance: 890 RUB per year.
• Loan interest ranges from 29% to 34%.
• Grace period: 50 days.
• Only Russian citizens aged 25 to 65 can apply.

If needed, we can recommend the Pokupki v Plyus banking product. If you make monthly purchases of 8,000 RUB or more, the maintenance fee is waived; otherwise, it is 960 RUB per year. The credit line is up to 600,000 RUB, and cash withdrawals carry a fee of 3% + 300 RUB per transaction. The loan interest rate is 29%-34%.

Карта почтой от Т-Банка банка

Кредитное учреждение не имеет своих офисов в России, и доставка осуществляется только двумя способами – курьером или через почту. Среди обилия банковских продуктов, предлагаем обратить внимание на популярный банковский продукт кредитная карта почтой «Платинум» от Т-Банка Банка.

• Borrower age: 18-70 years.
• Interest rate: 24.9%-34.9%.
• Credit limit: 300,000 RUB.
• Annual maintenance: 590 RUB.
• Cash withdrawal from the card: 290 RUB + 2.9% per transaction.
• Grace period: 60 days.
• Mandatory monthly payment of at least 600 RUB (6.0% or per bank terms).

Borrowers can participate in the Bravo cashback reward program for all purchases at a rate of 1%. For certain categories of stores, cashback conditions are up to 30%.

Credit cards via Russian Post from Binbank

We invite you to consider the Elixir Dengi credit product:

• Applications are processed using only a passport.
• Includes an anti-theft chip.
• You can store your own funds, but without interest accrued on the balance.
• Borrower age: 22-60 years.
• Credit line: up to 1 million RUB.
• Annual maintenance: 700 RUB per year.
• Maintenance interest rate: from 32% per annum.
• Grace period is 55 days.

Cash withdrawals are subject to a fee of 4.9%, with a minimum of 300 RUB. The Zolotoy Elixir card provides approval for a credit line of up to 600,000 RUB, while the Elixir Classic card offers up to 300,000 RUB.

Svyaznoy Bank – credit cards via Russian Post

According to reviews, Svyaznoy's mail-delivered credit card products provide for both obtaining borrowed funds and storing personal funds. In the latter case, you must maintain a balance of at least 10,000 RUB, with an interest rate of 3% per annum on the balance.

• You can withdraw cash without a fee anywhere in the world for amounts of 3,000 RUB or more, but only for your own funds. The borrower's age is from 21 to 65 years.
• Approved limit amount: up to 350,000 RUB.
• Annual banking maintenance: 600 RUB.
• Interest rate under the agreement: from 17.5% to 44.5%.
• Cash loan withdrawal fee is 2.9% plus an additional 390 RUB.

The card features a 50-day grace period, but it does not apply in all cases.

Mail-order card from Alfa-Bank

We suggest paying attention to the "100 Days Without Interest" banking product. That is the exact duration of your grace period, during which you can use borrowed funds at 0% per annum.

• Credit approval limit is up to 150,000 RUB.
• Annual maintenance fee is 1,290 RUB.
• Interest rate ranges from 26.99% to 33.99%.
• Cash withdrawal fee is 6.9%, but not less than 500 RUB.

The card offers various loyalty programs in the form of cashback. To apply, you need to provide your passport details and employment information.

Credit cards by mail from Citibank

The most interesting and attractive credit product is the Cash Back Card, where you immediately receive a welcome bonus of 1,000 bonus points. A 1% cashback is awarded on all purchases, and 5% for specific categories. At the end of the year, you can receive up to 10% in cashback.

• Approved amount limit is up to 300,000 RUB.
• Plastic card maintenance fee is 950 RUB annually.
• Interest rate is 22.99%-33.9% per annum.
• Cash withdrawal fee is 4.9%, but not less than 490 RUB.
• Grace period is 55 days.

Borrowers must be Russian citizens aged 22 to 60 years.