Rating of the best credit cards in Russia

Why credit cards are so popular

A credit card is a plastic card with a set limit that a financial company assigns at its discretion. If you are a new user, the card limit is minimal. For regular and responsible clients, the bank can increase the limit several times over.

A credit card is suitable for various operations:

• transferring money from one payment instrument to another;
• cash withdrawals;
• paying utility bills;
• making purchases, including in online stores.

Speaking of the advantages of this banking product, they are obvious:

• availability of a revolving credit line — you can use the money an unlimited number of times;
• limit revision;
• the ability to use borrowed funds for free if there is a grace period;
• online application;
• obtaining a credit card with just one document — a passport.

Although credit institutions set a minimum payment, which is about 7% of the total debt, the borrower decides independently what exact amount to deposit.

Please note. Russian banks issue credit cards processed through the VISA or MasterCard payment systems. This means they can be used in any country.

How to choose a credit card

Our website features banking products with detailed descriptions. Explore the credit cards and submit an application.

When choosing a credit card, pay maximum attention to such details:

• Annual interest rate. Choose the offer with the lowest interest rate. The user can influence the rate reduction; for this, it is necessary to provide a maximum of documents confirming your solvency.
• Credit limit. Advertisements indicate the maximum limit on the credit card, which in reality can be significantly lower.
• Available bonuses. Recently, cashback banking products that help save on purchases have become very popular. There are also products with various bonuses, such as miles, which can be used to partially or fully pay for tickets.
• Maintenance fee. Some banks charge a monthly card maintenance fee, others charge it once a year, and some offer free maintenance.

Young people often look for the option to order a credit card with a custom design, but for most customers, this detail plays no role at all.

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Top 10 + 1 best credit cards

We carefully reviewed user feedback and used it to compile a ranking of the best credit cards in 2020.

10 — T-Bank All Airlines

The tenth spot goes to the All Airlines credit card from T-Bank. This is a standard credit card featuring a high limit of 700,000 RUB and an affordable interest rate starting at 15% per annum. Cardholders get a 55-day grace period to use borrowed funds for travel, various purchases, or utility bills. The card offers installment plans of up to 0% for up to 12 months for purchases of goods or services from partners, as well as a miles accrual program. Another advantage is the inclusion of traveler's insurance.

T-Bank All Airlines has a high annual maintenance fee (1,890 RUB), which customers really dislike.

9 — MTS Bank Dengi Weekend

The modern financial market is saturated with various banking products, allowing banks to attract a diverse clientele. The Dengi Weekend credit card from MTS is designed for shopping enthusiasts who love saving on groceries. This card, which takes ninth place, has a personalized credit limit (at least 299,999 RUB) and a 51-day grace period.

Cardholders can get up to 5% cashback on taxi rides, restaurant and cafe bills, as well as purchases of sporting goods and e-books. For all other purchases, the cashback is 1%.

Disadvantages: age restrictions. The card is available to applicants aged 20 and over.

8 — UBRD 240 Days Without % credit card

This is the best credit card offered by UBRD, securing the eighth spot on our list. It features the longest grace period at 240 days and a substantial credit limit of up to 700,000 RUB. Cardholders can transfer funds to accounts at other banks without commission and earn 1% cashback on all purchases.

UBRD notifies all cardholders in advance about the payment due date.

Bank employees coordinate the credit limit with the customer, and the card will be delivered conveniently to their home or office.

Cardholders dislike the high interest rate on cash withdrawals, which is 55.9% per annum.

7 — MTS CASHBACK Universal Card

Whether the MTS CASHBACK card, sitting in seventh place, has the right credit limit for you is entirely your decision. With this product, MTS offers 5% cashback at clothing stores and for restaurant food delivery. Service partners offer increased cashback of up to 25% for topping up an MTS mobile balance.

It also features a grace period of up to 111 days and an interest rate starting at 11.9% per annum.

There is no card maintenance fee.

The main drawback of MTS CASHBACK is the limited cashback. The maximum amount is 10,000 RUB.

6 — MIR Card (Russian Standard Bank)

In sixth place is the MIR card from Russian Standard Bank. This is a free banking product that allows cash withdrawals at any ATM across Russia without commission.

Among the advantages of this payment instrument, users highlight a high credit limit (300,000 RUB), a grace period of up to 55 days, and installment plans of up to 24 months. During the first 30 days, cash withdrawals from the card are free; thereafter, fee-free withdrawals are subject to certain conditions. There is also a loyalty program offering up to 30% discounts on financial transactions.

Although the card offers 5% cashback, it is only available in specific categories (housing and communal services, taxis, parking, etc.)—a drawback mentioned by cardholders in their reviews.

5 — 365 Credit Card — a product from Renaissance Bank

There are many positive reviews online for the 365 Credit Card. After weighing all the pros and cons, we decided to award this banking product fifth place on our list.

Pros:

• free issuance;
• free maintenance subject to certain conditions;
• interest-free period of up to 55 days for any purchases;
• substantial credit limit of 300,000 RUB;
• free online banking, SMS notifications, and monthly statements;
• cashback availability.

For spending up to 15,000 RUB, 1.0% of purchases is returned; if you spend more than 15,000 RUB, it is 1.6%. The maximum cashback of 3% of the spent funds can be obtained if expenses exceed 75,000 RUB.

You can get the card via courier or at a bank branch.

A penalty fee for overdue debt of 20% per annum, as well as paid SMS banking, are things that users dislike.

4 — "110 days" interest-free credit card from Raiffeisenbank

In fourth place is the credit card from Raiffeisenbank — "110 days" interest-free, which has left many cardholders impressed. The credit institution offers an interest-free period of up to 110 days for various financial transactions: transfers, any purchases, cash withdrawals, and quasi-cash.

Upon expiration of the grace period, the cardholder is charged from 19% for purchases and 49% for other transactions.

When opening the card during a promotion, bank clients receive free maintenance for the entire period of use.

Free account replenishment is possible at own ATMs or partner ATMs. You can top up the account free of charge at the cash desk provided that the replenishment amount is not less than 10,000 RUB.

All statements are free.

3 — Karta Vozmozhnostey (VTB Bank)

The Karta Vozmozhnostey deserves third place in our list. It has a maximum credit limit of 1 million RUB. The interest rate on purchases starts from 11.6%, and on cash withdrawals from 31.9%.

With timely payments, owners of the banking product can use credit funds free of charge for 110 days. And it does not matter what you spend them on: paying for services or goods.

The cashback feature allows you to get back 3% on purchases and up to 15% from partners in the form of bonus rubles to the Multibonus account.

2 — T-Bank Platinum

Second place rightfully goes to the banking product — T-Bank Platinum. The credit card with a maximum limit of 700,000 RUB will be delivered by a courier service to your home or office within 1–7 days. An interest-free period of up to 55 days allows you to conduct various financial transactions and use borrowed funds for free during this time. The interest rate for purchases starts from 12.0% per annum, and for transfers and cash withdrawals from 30.0%. This suggests that the plastic is better used for purchases rather than cash withdrawals.

The maximum payment is determined individually, but not more than 8.0%, and maintenance is 590 RUB per year.

A feature of the T-Bank Platinum card is the "Bravo" bonus points. The bank returns 1% for all purchases and from 3% to 30% for goods purchased through special offers.

Credit card holders do not like the fact that earned points can only be spent on train tickets and restaurant (cafe) meals — the main drawback of the product.

1 — Visa Classic 100 days without % (Alfa-Bank)

The top spot in our ranking is taken by the card from Alfa-Bank — Visa Classic 100 days without %. It has the highest number of positive reviews. The plastic has a maximum credit limit of 500,000 RUB. It features a grace period of 100 days, as well as the ability to withdraw up to 50,000 RUB daily without commission.

By issuing the Visa Classic 100 days without %, you will be able to:

• transfer money to cards of other banks;
• close other cards with an interest-free grace period;
• receive a credit holiday.

You can apply for the card using just your passport. Delivery is carried out by a courier service to the specified address within a day.

As for the disadvantages, users mention the presence of insurance, but whether to pay for it or not is the client's choice.

Kviku

And, of course, we would like to mention the popular Kviku virtual payment card. It has no physical medium and is better suited for those who pay for services or buy goods online.

Kviku advantages:

• Can be issued within 30 seconds. The virtual credit card can be used for purchases immediately.
• Many replenishment methods with a minimal fee.
• There are many partner stores offering lucrative cashback.
• Free maintenance.

There are disadvantages too:

• Small credit limit — 100,000 RUB.
• Short validity period — 1 year.

How to order a credit card

Using our selection, carefully read the lending rules and choose the best option.

The step-by-step process of getting a credit card looks like this:

• Filling out the application form and sending it to the lender. Financial companies analyze the application, sometimes contact the client at the specified phone number, and after talking, make a decision. For small limits, many banks do not make callback calls.
• After the bank makes a decision, the applicant is told the limit and the annual interest rate.
• If the client is satisfied with everything, they sign the agreement (it may be necessary to visit the office to sign the agreement).
• After signing the agreement, the bank creates the credit card, which the user can pick up at the scheduled time.

Note. If you do not need the funds right now, you should not rush to activate the card. Until the credit card is activated, no maintenance fee is charged.