The most favorable installment cards for shopping in stores

Until recently, we only had the opportunity to use debit cards. A little later, credit cards appeared, which managed to slightly improve the situation with financing and lending for citizens. And when the best installment cards began to appear, they completely changed the banking services market, allowing people to benefit from making purchases without resorting to long-term savings schemes of their own funds. You use the bank's money, make payments on time, and then it will be clear whether installment cards are profitable for purchases. The main thing is to study the bank's product offer.

Sravnim24 editorial team
Daria Kreslova

Contents

Best installment cards in 2024

Currently, the best installment cards of 2019 are represented by the following market leaders:

Т-Банк с картой Т-Банк Платинум.
Sovcombank, with the "Halva" installment card.
Russian Standard Bank with the UnionPay credit card.

These credit institutions are leaders in the segment where the best installment cards have significant options allowing the most convenient and profitable use of the banking product.

Карта Т-Банка Т-Банк Платинум

The maximum available amount for limit approval is 1 million RUB. After the first application approval, you may be given a small credit limit, but if you faithfully fulfill the terms for the first 3 months, the bank will automatically increase the credit line.

По отзывам владельцев банковского продукта, какие же самые выгодные карты рассрочки отмечают следующие характеристики карты «Т-Банк Платинум»:

SMS notifications for transactions will cost 99 RUB, or 59 RUB if you are a T-Mobile subscriber.
Card issuance will cost only 0 RUB.
Courier delivery service is provided free of charge.
The maximum possible credit limit is no more than 1 million RUB.
The installment period ranges from 2 to 12 months.

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Sovcombank Halva installment card

The main benefit of the banking product is an installment period of up to 36 months.

Card issuance fee is 0 RUB.
Annual maintenance of the banking product is 0 RUB.
SMS notifications are also free.
The maximum credit limit is 500,000 RUB.
In case of overdue payments, the bank charges a low penalty of 0.0001% per day.

In addition, the rewarding installment card from Sovcombank has the largest number of partner stores, exceeding 300,000 to date. You can easily pay not only for household appliances, but also buy groceries, clothing, and essential goods on installments.

UnionPay credit card from Russian Standard

Among the rewarding installment cards included in the ranking is the UnionPay credit card. You can easily purchase any product on installments for up to 24 months and evenly pay the purchased amount over 12 months at the bank's partner stores.

Card issuance is free.
Credit line from 30,000 to 600,000 RUB.
Free SMS banking service is available.
The standard interest rate outside of installment terms is up to 24.4%.

How to determine the parameters of the best installment cards

In fact, there is a huge number of the most rewarding installment cards. Many credit institutions develop their own banking products that feature installment elements. For comparison, we have provided the main details in the table

Installment card name	Installment period, months	Maximum available limit, RUB	Annual maintenance
Halva	36	500 thousand	0
Т-Банк Платинум	12	1 million	0
UnionPay Credit	24	600 thou. RUB	0
Urban Card	12	600 thou. RUB	0
Platinum from Russian Standard	24	600 thou. RUB	1188

Nevertheless, the determining factor for getting the best installment card is the availability of partner stores.

Thus, when choosing the most rewarding installment card, pay attention to the following selection factors:

What maximum credit limit is available to the borrower.
What maximum installment period is available.
Total number of partner stores.
Availability of cashback or other loyalty programs.
Annual maintenance fee.

The installment card is a young banking product on the Russian financial market, and in a few years, we may see a real boom in the best installment cards.