Applications for a credit card with two documents

Second document – identity verification and credit amount increase

As a rule, having a second document provides additional verification of the borrower's identity and makes it possible to increase the credit limit. Along with this, an online application for credit cards with two documents involves issuing a small amount, no more than 50,000 RUB. According to the bank's terms, the borrower must indicate the following as the optional second document:

1. Driver's license.
2. International passport (preferably with marks of staying in other countries).
3. Tax authority certificate – INN.
4. Pension certificate.
5. Military ID (recommended for borrowers under 27 years of age).
6. ID of government agency employees (Ministry of Internal Affairs, Ministry of Emergency Situations, etc.).
7. Pension insurance certificate – SNILS.
8. Voluntary medical insurance information – VHI.
9. Other.

As other documents, they may request data on utility payment documents, confirmation of real estate ownership – an extract from the USRN, etc. In most cases, banks recommend indicating SNILS as the second document, since basic information about the borrower is provided through the pension insurance certificate.

Using your SNILS, you can track your employer's contributions to the pension fund for your individual account, as well as other payments, including those to the Social Insurance Fund (FSS), etc.

Although the minimum age for a borrower is 18, a credit card with a limit of 300,000 RUB requiring only two documents is available only to those aged 20 and older. This is because at age 20 citizens must replace their passport, and the data is updated in the database of the Ministry of Internal Affairs migration control authority. At the same time, you can find several financial institutions ready to approve a credit limit with just two documents for 18-year-olds.

How to apply for a credit card with two documents

The financial services comparison service invites you to apply online for credit cards with just two documents. We have gathered the best offers from leading Russian banks that are ready to issue credit funds to you right now for any convenient term.

• Review the offers from banks that issue credit cards with two documents.
• Click the link to the bank's official website and fill out the application form.
• Provide your passport details and contact phone numbers.
• Specify the name and details of the second document (you must select the second document option in the form).
• Submit your application on the bank's official website and click the "Submit application" button.
• Wait about 5-10 minutes for the bank to make a decision.
• Once the application is approved, pick up the card or arrange for courier delivery to your home or office.

The banking product can be picked up either on the day of approval or at another time specified in the bank's SMS notification.

TOP banks that issue credit cards with two documents

We suggest you check out the top Russian banks that issue credit cards with just two documents.

• Russian Standard Bank. After approval, you will receive the card via courier or Russian Post. The bank does not have its own branches across the country. The credit line is valid from 3 to 36 months, with a minimum interest rate of 12%. The maximum possible loan amount is up to 1 million RUB. There are many co-branded programs under the Tinkoff brand.
• Sovcombank. The credit institution can approve an application with two documents for an amount from 40,000 to 300,000 RUB. Interest rates range from 22% to 32%. However, if you receive your salary on a bank card, the credit institution can reduce your interest rate by 5%. The bank accepts credit card applications with two documents from pensioners, who can obtain the banking product if they are under 85 years of age.
• Vostochny Bank. Excellent offers for opening a credit line ranging from 500,000 to 0.5 million RUB. If your city has a bank branch, funds on credit cards can be received as early as the day of application. The crediting period is from 12 months to 236 months. The interest rate is set individually and ranges from 14.9% to 29.9% per annum.
• Renaissance Credit Bank. You can get a credit card with just two documents for a financing amount of 30,000 to 100,000 RUB on the day of application. Application processing takes no more than 12 minutes, after which the borrower receives funds into their card account. The crediting period, depending on terms and amount, is 24-60 calendar months. Interest fees and rates are also calculated individually, ranging from 19.9% to 25.7% per annum.
• UBRD Bank. You can open a credit line with an interest rate from 13% to 63% (calculated individually). The credit line amount is calculated individually and ranges from 25,000 to 200,000 RUB. The maximum fixed duration of the loan agreement is 72 months. By paying loan interest on time, you can qualify for a lower interest rate if the bank set the maximum allowable rate for you.
• Pochta Bank. You can apply for a credit card with two documents and a limit from 50,000 to 1 million RUB. The maximum loan term is 60 months. Interest on credit funds is calculated individually and ranges from 12.9% to 24.9%. If you connect the "Guaranteed Rate" service, you can get a fixed rate on your credit line of 12.9% per annum.
• VUZ-Bank. The credit institution can approve a limit from 25,000 to 200,000 RUB for a term of 5 calendar years. The interest rate and other fees are calculated individually for each borrower's online application.
• MKB Bank. Russia's largest commercial bank, Credit Bank of Moscow (MKB), can approve a credit card with 2 documents and a credit limit from 50,000 to 3 million RUB. Crediting period: minimum is 6 years, maximum is 15 years. The interest rate depends on the credit line terms and ranges from 11.99% to 39.9% per annum. A low interest rate is provided for bank clients who have previously taken loans with MKB and had no current overdue payments throughout the agreement term.
• MTS Bank (by mobile operator MTS). You can apply for a credit card with 2 documents for an amount from 20,000 to 200,000 RUB. To have the credit line approved, you must be a subscriber of the MTS mobile operator. If you are not an MTS subscriber, you may be approved for a loan of no more than 100,000 RUB. The interest on credit funds, depending on the amount and loan terms, ranges from 17.9% to 21.9% per annum. The loan agreement can be issued for 12 or 24 months.

This is the main list of Russian banks that guarantee online application review for credit cards with two documents, without certificates and income confirmation. Choose your bank and use the credit funds at your discretion on favorable terms.