Credit cards

Thanks to honest reviews, you can make a smarter choice

Alfa-Bank
3.25
27

I applied for a card, everything was fast and hassle-free. Online banking is very convenient, I can always see my balance and statements. The credit limit suited me. And the cashback on purchases is just super!

I recently got a card from Russian Standard. The application was processed quite quickly, and the card arrived on time. Cashback works, and money is returned. Online banking is convenient; the balance is always at hand. The interest rates are a bit high, but it's fine if you pay on time. The card is valid for 3 years, and I set up autopayments without any issues. So far, I'm satisfied!

OTP Bank
3.5
18

Generally a decent card: the application review times are quite reasonable, and the credit limit was also pleasing. And 120 days interest-free is super! But, damn, customer service is terribly annoying, they constantly miss things out of sight, unable to help properly. And the cashback is a bit small, I'd like more. On the bright side, auto-payments are convenient, no need to monitor payments yourself. Returning funds is also hassle-free, although a bit complicated. The card limits suit me.

T-Bank
3.81
30

Hello! I recently got a LUKOIL credit card from Tinkoff. Overall, my impressions are mostly positive. I liked the loyalty program: you accumulate points and then exchange them for fuel. Convenient. My credit limit is not very large, but more than sufficient for my needs. All cashless payments go through quickly, and I haven't noticed any failures. I was very pleased with the cashback at LUKOIL gas stations, which results in decent savings. The application was reviewed quickly, and the card was delivered on time. As for the interest rates, well, they are like anywhere else, but if you pay on time, it's fine. Online banking is also in order; the balance and statements are always at hand. However, the card's validity period seemed a bit short to me, only 2 years. Overall, I recommend it.

Uralsib Bank
3.5
10

I got the 120 Days to the Maximum credit card and here is what I will say... First, what is pleasing is the customer service. Everything is clear, fast, without unnecessary questions. All my requests and questions are resolved promptly. The card terms are also pleasing – the credit limit is sufficient, the interest rates are acceptable. It is very convenient that the card validity period is 120 days. Online banking works without a hitch, I always see the current balance and statements. It is convenient to make non-cash payments and card-to-card transfers. There are also auto-payments, which is very convenient for paying utility bills and other monthly expenses. The refund went smoothly, everything is fair and transparent. Cashback is also pleasing, albeit small, but nice. The application review time was minimal. In general, I am satisfied with the choice of this card and recommend it to my friends.

I signed up for Urban Card, expected more honestly. The card limit is not large, although my credit history is fine. Interest rates are average, not the lowest. Automatic payments work clearly, without problems. There is cashback, but not on all purchases, and I would like a broader loyalty program. Cashless payments go through quickly, which is a plus. They are silent about card-to-card transfers, I don't know if they exist or not. Application review times are fast, I received the card quickly. Card maintenance is also faultless.

Alfa-Bank
3.25
27

I got the "60 Days Interest-Free" card from Alfa-Bank for major purchases. It's convenient that no interest is charged for 2 months. Fast processing, responsive managers. I recommend it!

I have been using a card from Credit Europe Bank for a long time. The credit limit is sufficient and they keep increasing it. Statements always arrive on time, and the balance can be checked via online banking. I make card-to-card transfers without any problems. The cashback is also pleasing, especially at gas stations. Card maintenance is free, and the validity period is 3 years. Only positive impressions!

OTP Bank
3.5
18

I applied for the 120 Days Without Interest credit card from OTP Bank to buy new appliances. The application was reviewed very quickly, literally in a couple of days. Card maintenance is convenient and simple - I do everything through the mobile app. A great product for those who don't like overpaying!

VTB
3.23
19

Great card, top-notch service! The application was reviewed quickly, despite my less-than-ideal credit history. The credit limit was a pleasant surprise, and setting up auto-payments via online banking is very convenient. There are no issues with balances and statements; everything is transparent. It's a pity that the card's validity isn't infinite, but VTB took care of that too—they remind you when it's time for a replacement. Cashback and loyalty perks are a nice bonus!

Sovcombank
3.33
21

I've been using this card for several months. Everything is fine, money is refunded, and cashback also arrives without any issues. Card-to-card transfers work well too. Online banking is simple and easy to use. And customer service is top-notch. No problems so far.

MTS Bank
3.33
22

Great card from MTS Bank! They reviewed my application within a day, despite my imperfect credit history. The credit limit turned out to be sufficient, and the interest rate acceptable. Customer service is top-notch, they are always helpful and explain everything. The card is user-friendly; I particularly liked the auto-payment feature. Refunds are processed quickly and without issues. A big plus is the cashback and loyalty program from the bank. Online banking works flawlessly; I always see my current balance and statements. Highly recommend!

Sberbank
3.45
28

I recently got a SberCard and have been using it for a month. For me, it’s a super option for cashless payments. I set up Auto-payments right away—it’s very convenient; I’ve forgotten about paying for utilities and internet, everything is deducted automatically. I was also pleased with the credit limit; they gave me 100,000 RUB right away, even though my credit history is so-so. But the interest rates are steep, of course, so you have to try not to go into the negative. The card is valid for 3 years, which is fine. Overall, I’m satisfied, no problems so far.

Pochta Bank
3.26
23

Got the "VezdeDohod" card from Pochta Bank. It's convenient for buying groceries and paying utility bills. The terms are transparent, and communicating with managers is comfortable.

Great card from Renaissance Bank! Used it for a big purchase. 2 years interest-free is real savings! I recommend it.

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