Alfa bank 100 days without interest contract. Credit card Alfa-Bank "100 days without interest" - tariffs and conditions

People are designed in such a way that they want everything at once, and if, having made a spontaneous decision to buy, you need to use borrowed funds, then a credit card is best suited for this. Unlike a consumer loan, which requires you to apply for a loan, wait for a decision, guess how much the bank can offer, and finally, having assessed your capabilities, refuse, a credit card allows you to buy whatever you want here and now, of course, within the limit.

To date, there are so many credit cards issued in the Russian Federation that there are 4 for each resident. This is due to the fact that this type of lending is at the peak of popularity and is the most affordable, since banks often offer a credit card to the borrower “as a gift” to the main loan, or issue existing borrowers as a spare wallet.

Alfa-Bank provides a wide range of credit cards. Below is a list of credit cards with a 100-day grace period. It should be noted that the bank issues cards free of charge.

Types of credit cards "100 days without%".

1. MasterCard Standard And Visa Classic– service from 990 rubles. per year, the maximum limit is 150,000 rubles, the withdrawal limit is 60,000 rubles.
2. Visa And MasterCard Gold– service 2490 rub. per year, the maximum limit is 300,000 rubles, the withdrawal limit is 120,000 rubles.
3. MasterCard and Visa Platinum– service 4490 r. per year, the maximum limit is 750,000 rubles, the withdrawal limit is 200,000 rubles.

Regardless of the type of plastic, the credit limit is set by the bank on an individual basis.

For any type of card, the percentage for the use of funds is 39,9 % per year, but for participants in the salary project and employees of partner enterprises there is a preferential offer, where the annual percentage will be no more than 26,99% And 32,99% respectively.

Features of the credit card "100 days without%" from Alfa-Bank

The main feature of the card will be a grace period of up to 100 days. The exact number of days of the grace period depends on the date of cash withdrawal or cashless settlement. In order not to make a mistake when calculating, you need to use the help of bank consultants, as the necessary information will be available in the Internet bank and in the mobile application Alpha Mobile.

If the amount used by the client is repaid in full within the grace period, the bank will not charge interest. Also, the grace period is provided in a renewable mode, that is, as soon as one period is over, you can use the money within the next one.

Consider why a credit card with a grace period of up to 100 days from Alfa Bank is so good.

Advantages of an Alfa-Bank credit card.

1. Of all the available counter-offers from competitor banks, this card holds the absolute record for the length of the grace period. The card has a self-explanatory name - "100 days without interest". When using it, the client has the opportunity to use the bank's funds for free, you just need to fully return the used amount before the end of the grace period.
2. The interest-free period on the card also applies to cash transactions, that is, withdrawals through ATMs, and not only to non-cash payments. By the way, today only Alfa-Bank can offer this advantage.
3. If the card is used in good faith, that is, if there are no violations in the payment of the loan, the bank can unilaterally increase the card limit, which will allow the client to continue to enjoy shopping without contacting the bank.
4. Repayment of payments in any convenient way. Through payment terminals, through the Internet bank, using a mobile application or in cash through the bank's cash desk.
5. Interest is charged only on the amount actually used, that is, if the card limit is 300,000 rubles, and only 50,000 are used, the payment will be calculated at the rate of 50,000.
6. The size of the minimum mandatory payment is only 5 percent of the withdrawn amount, which is undoubtedly convenient if, in a certain period, it is not possible to repay the entire debt in full.
7. The credit card limit is renewable, that is, if you use the funds correctly and reasonably, you can do this for an unlimited amount of time.
8. Insurance costs only 0.67%, and it is calculated not from the credit limit, but from the actual amount of debt, and you can refuse it before issuing a card.
9. Withdrawing money through third-party devices of partner banks is possible without additional commission. The list of partners can be clarified with consultants or on the official website of Alfa-Bank.

Negative aspects of the Alfa Bank credit card.

1. Cash withdrawal fee 5,9% for each withdrawal.
2. Paid annual service, regardless of the tariff, the higher the status of the credit card, the more expensive its maintenance.

General tariffs and conditions for Alfa-Bank credit cards "100 days without%" are given in the table

Necessary package of documents and requirements for the borrower

Documents required for registration:

To receive a credit card under the tariff plan "100 days without interest » you must provide a passport of a citizen of the Russian Federation and a choice of one of the following documents, such as the right to drive a vehicle, an old or new passport, TIN, SNILS or an insurance policy. If the client is interested in a limit of more than 100,000 rubles and a more favorable annual percentage, then one of the documents will additionally need to be provided - a salary certificate of 2 personal income tax or in the form established by the bank, a voluntary medical insurance policy or documents for a car confirming that it is in property.

To issue a card, you must meet certain parameters, such as:

• The age of the borrower is 21 years.
• Work experience at the current place of 3 months.
• Possibility to provide stationary working telephone numbers of accounting department, personnel or director of the enterprise.
• Stable monthly income in the amount of 9 thousand rubles for residents of the city of Moscow and at least 5 thousand rubles for residents of other regions.
• Accommodation in the bank service area.

Despite all the advantages and benefits of the tariff plan, a credit card is a debt obligation. In order not to get into unpleasant situations, you need to spend money wisely:

How to use a credit card

What is the monthly minimum payment

Hello dear readers.

As you have probably already noticed, the topic of credit cards is inexhaustible - you can talk about it for a very long time. I have already talked about various profitable options that differ in free service, issuance, as well as benefits when buying from specific sellers (for example, Aliexpress). Well, it's time to talk about the best "credit cards", using which you can not pay interest.

What does it mean not to pay interest?

It is worth making a reservation right away - such "credit cards" that suggest that the holder may never pay interest at all, of course, do not exist. At least, they are not in the lists of offers available to a regular client: perhaps they are issued for regular bank customers and addressed to them individually, but I do not consider such products.

What does it mean when they say “free credit card” (implying that you don’t have to pay interest)? It's simple - we are talking about the so-called "". The fact is that almost all banks have in their product line "credit cards" with a grace period - the time during which interest is not charged. Using them is quite realistic: contrary to the opinions that this time lasts literally 1-2 weeks, today on the market you can find cards with a grace period of up to 4 months.

I'm going to talk about similar and other profitable offers today.

TOP 10 best credit cards without interest

To make it convenient for you to quickly look at the conditions and decide which card to issue, I have reduced the conditions for all products into one table.

Commenting on what is better and what is worse is pointless. Everyone chooses an acceptable product based on their preferences and capabilities. Depending on the parameter that is the most important for you, the choice of the best card will differ.

No. 1. Tinkoff-Platinum

Let's start getting acquainted with advantageous offers from the TKS-Plantium card from Tinkoff Bank.

What does it mean not to pay interest? You will understand what it is by ordering a Platinum card from Tinkoff Credit Systems. After all, the bank offers excellent conditions:

• interest-free period - 55 days
• minimum payment per month - 6-8% of the debt
• rate - 13−30% per annum
• maintenance (per year) - 590 rubles
• cash withdrawal - 2.9% of the amount + 290 rubles.

Tinkoff Platinum is a great product for many customers. The card is suitable for those who are not used to waiting for a salary, but want to buy new clothes right now. Those who are accustomed to planning a budget will also appreciate Tinkoff's offer: a 55-day grace period is a guarantee that the money will always be on hand.

How to get a?

At Tinkoff, the issuance of cards is set up in such a way as to take a minimum of time from customers. Date, meeting place - you specify all this in the bank application, and the courier will adapt to you.

Half an hour of time for documents, photographing and activation - and "plastic" can be used without restrictions!

No. 2. "100 days without%" from Alfa-Bank

Do you want to use a credit card for 100 days without interest? There is a solution to your question, and its name is the “100 days without%” card issued by Alfa-Bank.

What can you say about the terms of the offer? Judge for yourself:

• interest-free period - up to 100 days
• minimum monthly payment - 5% of the amount owed (not less than 320 rubles)
• loan rate - from 24% per annum
• card issue - free of charge
• maintenance - 990 rubles per year

As you can see, the conditions are among the best on the market. Of course, the duration of the grace period stands out - it is one of the highest here. However, the popularity of the Alfa-Bank product "" is due not only to this: customers order "plastic" and because of the low interest rate, free issue and a small minimum payment.

How to get

The procedure for obtaining a credit card is standard. You will need to leave an application on the site (this is done in 10 minutes and requires only one document - a passport), confirm your compliance with the requirements of the bank (you must be over 18 years old and have an official income of 5 thousand rubles or more) and wait for a preliminary decision.

If it is positive (you will find out from SMS), you can go to the office (grab your passport and one of the documents - SNILS, compulsory medical insurance, rights, passport or TIN) and find out the final verdict. Most likely, the bank will approve the application, and on the same day you will be able to use your new card for purchases.

Customer Reviews

And what do experienced clients of Alfa-Bank say, who are already using the advantageous offer?

Reviews about the card "100 days without interest" are very diverse - you can find both good and bad opinions.

As for the positive aspects of the offer, customers, of course, note the great grace period and the convenience of using the card: there are ATMs in so many places, and if problems arise, you can always contact the branch.

However, there are also negative impressions.

They mainly concern the lack of benefits when using the card (and this is true - there is no cashback here) and interest charges that the client was not informed about or did not know for other reasons. To use the "100 days without%" card and receive only positive emotions, be sure to read the terms of the contract carefully - everything is indicated in them (albeit not very clearly).

No. 3. Installment card from Home Credit

The "youngest" of all review cards is a card from Home Credit Bank. It's time to get to know her better.

With an installment card, you can pay for the goods not immediately, but for several months. At the same time, you will not overpay anything - the purchase price is simply divided by the number of payments.

For example, a phone that you really want to buy costs 30 thousand rubles. By stretching the payment for 3 months, you will pay 10 thousand rubles. There is no “top” percentage - give exactly the same amount as the equipment costs.

The terms of servicing the installment card from Home Credit Bank are as follows:

• interest-free period - 3 months (for any purchases), 4-12 months (from bank partners)
• rate - 29.9% per annum
• SMS - free

It spoils the picture a little that you can’t get cash, but this is not the most significant drawback. Even in small towns, they often accept "clearing", well, and even in large cities, not a single seller works without it.

How to use?

With the help of an installment card from Home Credit, goods can be purchased directly from the site. The algorithm is simple:

• choose what you want to buy (so far only equipment is available on the site)
• apply for installment
• waiting for a call from a bank employee
• complete the loan agreement
• receive the goods from the courier directly at home or at work.

Naturally, no one canceled the usual purchases in stores. The Home Credit installment card is accepted wherever there are non-cash payment terminals.

How to get a?

There are two ways to get a card from Home Credit:

1. Come to the office in person.
2. Order via the Internet.

If you choose the Internet, you will spend much less nerves and time - going to departments (of which, by the way, there are very few) is inconvenient and can take several hours.

However, you still have to visit the office to get "plastic". Having received a non-named card (and by default, customers are issued non-embossed cards - that is, those where there is no name), immediately order a personalized one. Today, 3-4 days of difference (that's how long a bank needs to issue a card with the holder's name and surname) is not worth it to get a product that is not suitable for payment on the Internet.

No. 4. "Conscience"

A worthy place among the best interest-free cards is occupied by "Conscience" from Qiwi-Bank.

Like the previous product, Conscience is an installment card. This means that with its help you can purchase goods, paying their cost later and without extra charge.

• free release and maintenance
• SMS - 0 rubles
• credit limit - 300 thousand rubles
• rate - 0.03% per day (only after the installment ends)
• installment period - 1−12 months
• cash withdrawals are not allowed.

As in the case of Home Credit, it will not be possible to withdraw money from Conscience. However, the proposal has advantages that easily outweigh this disadvantage.

For example, you want to buy a new TV without leaving your home. With "Conscience" it's as easy as shelling pears: go to the official website, choose a store, pay for the goods and get an installment plan. It turns out that going to shopping centers in pursuit of profit is not necessary at all!

How to get a?

Banks are guided by the Internet, and Qiwi is no exception.

The service for ordering a card is available on the official website. Enter information about yourself (full name, information from the passport, contacts, income) and wait for the bank's decision. After approval (the Qiwi specialist will inform you about this in a call), the card will be immediately issued and sent to you.

It remains only to get and activate the "plastic". Coordinate the meeting time with the courier through the application or by phone. Activation is also very simple: the PIN will be sent via SMS after you send the card number to 5125.

How to replenish?

There are six ways to transfer money to the Conscience account without commission:

• via qiwi wallet
• cash in Euroset
• in cash at Svyaznoy
• in cash through the Contact service
• in cash through Qiwi terminals
• cash in Mobile-Element.

If all methods are inconvenient, you can use the replenishment form from cards of other banks - it is on the Conscience website. Qiwi Bank does not charge a commission for the operation, but your bank may well do this.

No. 5. "Halva"

Another installment card, also beneficial for active users of banking services, is Halva from Sovcombank.

"Halva" appeared a little later than "Conscience" (but before the card from "Home Credit"), and many shortcomings were taken into account in it.

The terms of service are as follows:

• limit - 350 thousand rubles (you cannot take installments for more than this amount, even if there are several loans)
• installment period - 1−12 months (depending on the store)
• cashback - 8.25% per annum (partners only)
• interest on the balance - 1.5% per annum (only on your own money)
• cash withdrawal - free of charge (at Sovcombank ATMs)
• SMS - free
• card issue, service - free of charge

It is "Halva" in a number of installment cards that is recognized as the best in terms of conditions. Only here there is cashback and interest on the balance, and the affiliate network is the largest (53 thousand stores). You can, if necessary, withdraw cash from Halva, but you won’t be able to do this with Conscience and a Home Credit card.

How to get a?

To start enjoying the benefits of Halva, you need to get it. You can do this in two ways:

• through the Internet
• through the office.

In the first case, the courier will deliver the card, in the second you will have to walk to the office (there are more than 2 thousand of them throughout Russia).

No. 6. VTB-24 bank card

Surely many readers of this article want to get a "credit card" in one of the largest banks in the country - lower interest rates, better repayment terms, a positive credit history. A credit card from VTB-24 Bank can help in the implementation of this desire.

Consider the terms of service for this product:

• grace period - up to 50 days
• credit limit - 300 thousand rubles
• rate - 28%
• - 1% (for all purchases)
• free banking service (if you make purchases in the amount of 10 thousand rubles or more monthly)
• registration fee - 75 rubles

If you want to use the bank's money for 50 days without interest, then the VTB24 card is exactly what you need. You can use "plastic" for free: if you take a card for shopping, you will automatically fulfill the requirement for a minimum amount of spending, if not, sometimes try to pay with a card in stores, and you can also get rid of the service fee.

The terms of a credit card without interest from VTB24 provide that only those borrowers who are aged 20-68 and have an official income of at least 20 thousand rubles a month can receive it.

How to get a?

Accordingly, to issue a card, you will need the relevant documents - an identity card and a certificate of income (for example, in the form 2-NDFL). If you do not provide them for consideration, you will not be able to take a loan on a credit card in one of the largest banks in the country.

No. 7. "Element 120" from Post-Bank

The next interest-free credit card included in today's review is Element 120, which is issued by Post-Bank.

Despite the fact that the offer appeared quite recently, it has already gained popularity among customers. What made this happen? Of course, the conditions:

• interest-free period - 120 days (maximum)
• monthly payment - at least 5% of the debt amount (in addition, you need to pay "accumulated" interest and other payments)
• credit limit - 500 thousand rubles
• loan rate - from 27.9% per annum
• commission for cash withdrawal - 5.9% of the amount (but not less than 300 rubles)
• service cost - 900 rubles / year (in the first year a commission will be charged for issuing a card, banking service will be free)

Today, there is no interest-free card on the banking services market, the grace period of which would be longer than that of Element 120. Thanks to this, the card is ideal for active shopping enthusiasts: with the product from Post-Bank, you can not postpone the purchase of the item you like for several months, but please yourself today!

Online Buyer's Package

What else is interesting about the Post-Bank card for 120 days without interest? Especially for those who actively make purchases on the Internet, Post-Bank offers to issue an "Online Buyer Package". The offer is truly unique: today there is nothing like it anywhere (at least in Russia).

What is the essence of the package? By ordering the service and paying its cost, the cardholder receives:

• purchases at the lowest price - if after paying for the goods it turns out that it is cheaper in another store, the difference will be compensated to the “plastic” account
• no need to pay for repairs - in case of delivery of defective goods, Post-Bank compensates for the costs of its restoration
• free delivery to the seller - if the product that arrived did not fit, you can send it back and compensate for the cost of delivery by paying with an Element 120 card with a connected package.

How to get

As for registration, the application can be left directly on the site. The bank will need passport data, employment information and other information. After processing the data, you will receive an SMS that the card has been issued and delivered to the desired branch. Having chosen a convenient time, you can collect the necessary documents and go to the office, where the bank's specialists will issue papers and a card.

No. 8. "Supercard +" from Rosbank

The next banking product, which will be discussed in the framework of today's review, is "Supercard +" from Rosbank.

The Bank offers the following service conditions for "Supercard+":

• grace period - up to 62 days
• loan rate - 26% per annum
• credit limit - up to 1 million rubles
• Cashback - 1%
• Maintenance cost - 1500 rubles per year

Of course, with such conditions, this offer should become very popular with customers. Almost all the main points are at least as good as those of competitors. For example, Rosbank has a very large credit limit: very few financial institutions are ready to give holders up to 1 million rubles. The same applies to the grace period - although it is not a record one, it is 7-10 days longer than in most other banks.

Only the cost of servicing is a little embarrassing (1.5 thousand annually, and there are no conditions by which you can get rid of this amount), but it is more than compensated by cashback - if you use the card regularly, you will not only “beat off” the costs of banking services , but also get a small benefit.

To everyone who has just issued a card, Rosbank offers very favorable conditions for Cashback. The first three months of using "plastic" 7% of the cost of any purchase will be returned to the card account. After this period, the amount of the bonus for purchases will decrease to 1% (however, you can continue to receive increased cashback from your “favorite” purchases).

How to get

It remains to figure out the procedure for obtaining a card and the necessary documents. Due to the fact that the card has an increased credit limit, it is not so easy to get it.

You need to apply to the bank for a loan. This can be done in two ways: online or at a bank branch. In most cases, customers choose the first option: to make it easier, faster, more convenient, and Rosbank does not have many branches.

When submitting an application, the following documents must be attached:

• statement
• copy of the passport
• certificate confirming solvency (document in the form of 2-NDFL or 3-NDFL, as well as paper in the form of a bank)
• employment contract or a copy of the work book certified in the prescribed manner

In addition, the following requirements must be met:

• have a residence permit in the region where the bank is present
• have a steady income
• be a Russian citizen

Get a positive decision from the bank, a package with documents and a card.

As you can see, the requirements, although they seem complicated at first glance, upon closer examination, they turn out to be quite acceptable and realistic to comply with. If you have a desire to issue a "credit card" and you match the portrait of the desired client, feel free to order a card and use a large credit limit!

No. 9. Cash card from Raiffeisenbank

Non-cash purchases, deposits, loans… All this, of course, is good, but no one has yet canceled the good old cash.

A fairly large number of bank customers today continue to withdraw cash and pay with it, and in many places non-cash payments are not yet accepted.

How to solve this problem? Credit cards without interest for cash withdrawals will help you forget about the difficulties.

An ideal option for those who want to use bank funds without losing money on interest. The terms of service are defined as follows:

• loan rate - from 29%
• grace period - up to 50 days
• issuance of the card - on the day of application
• cash withdrawal - free of charge
• the ability to use SMS-Bank for remote transactions with a card account

If you take a "credit card" just to withdraw money without interest, then the offer of Raiffeisen Bank is perhaps the best for you. If you decide to become a client of the bank, you will not only not pay interest for cashing out funds on your account (by the way, you can do this at ATMs of both Raiffeisen and partners), but also use the bank's money completely free of charge (if you follow the grace period) .

Another important advantage of the product is instant issuance - very convenient if you need money right now.

Potential customers of Raiffeisen Bank must meet certain requirements. Their list is listed below:

1. Citizenship of the Russian Federation
2. Age 25-60 years old (for male borrowers), 25-55 years old (for female borrowers)
3. Minimum work experience at the last place of employment - 6 months
4. The minimum official income is 25 thousand rubles
5. Having a landline phone at work
6. Availability of registration and place of employment in the place where there is a branch of Raiffeisen Bank

The list of requirements is quite extensive, but you should not be afraid - it is not as difficult to satisfy them as it seems. True, before issuing a card, you will have to run around - compliance with each item must be documented.

No. 10. Platinum card from OTP-Bank

First, as always, let's talk about the terms of service. I have listed the most important ones below:

• credit limit - up to 900 thousand rubles
• interest rate - from 21% (in rubles)
• maintenance cost - 7000 rubles per year
• grace period - up to 55 days
• minimum payment - 5% of the debt amount (minimum 300 rubles)
• free withdrawal at OTP-Bank ATMs (maximum 300 thousand rubles per day, 2.5 million per month)

As you can see, the "Platinum" card is far from being designed for everyone: the very high cost of service scares away. In part, it is offset by a low interest rate: if you regularly use a “credit card” and spend large amounts on purchases, then a rate of 21% (for comparison, in most other banks - about 30%, or even more) can “beat off” the costs of banking service.

"Platinum" is a prime example of a cash withdrawal card without interest. Since the withdrawal limits are quite high, and the grace period is one of the largest on the market, it is often issued specifically for cashing out funds: paying 7 thousand for maintenance once a year is much more profitable than constantly paying several hundred for withdrawing even small amounts.

How to issue

It is impossible to issue a Platinum card via the Internet: the bank needs a whole package of documents to confirm the possibility of issuing a card.

If you have a desire to use a loan product from OTP-Bank, collect all the necessary papers (identity card, 2-personal income tax certificate, application, copy of a labor certificate certified within the last month before the filing date) and go to the nearest branch.

Conclusion and Conclusions

Cards, thanks to which you can use the bank's money without interest (even if only for a certain time) - a great opportunity to deal with debts, improve your financial condition and increase confidence in the future.

When choosing a card and defining the possibility of not paying interest as the main condition, be sure to look at how long the grace period lasts and how it is calculated. Depending on the bank and terms of use, it can be from 20 to 120 days.

Often, on cards with long interest-free periods, banks make greater demands on borrowers than on other "plastic" loan products. It is worth preparing for this in advance: income statement, registration information, a copy of labor - most likely, the bank will request these documents (or their copies) for more detailed study.

The grace period is one of the most important characteristics of credit cards, but far from the only one. Today, you can benefit even if you have a credit card with a very long interest-free period. Therefore, you should not dwell on an offer that is of interest only from this point of view: perhaps there is a product that, in terms of the totality of conditions, is much more profitable (even if it has a shorter grace period).

That's all I wanted to talk about interest-free credit cards today. Be sure to ask your questions on the topic of the article in the comments. The experience of using the cards described in the article will also be useful. Well, I say goodbye to you, but not for long - there are still a lot of informative and useful articles ahead of us.

Tinkoff Bank

Hello. I have a debit card and a credit card has appeared recently. And two completely different stories. The debit card is excellent, suits absolutely everything. I recommend it to friends and use it myself, so when the situation arose, I immediately remembered my favorite bank. My husband left, the Sberbank credit card is being reissued, and I urgently need to pay for the hotel, so everything coincided. Wrote an application for...

Elena, Moscow

I have a Renaissance Credit card Corn Bank. Both registration and service are free - now they are ...

Renaissance Credit

With this card I often intercept money before the salary. Then I return it during the grace period, and in fact I do not overpay anything. True, they charge at least 300 rubles for withdrawing credit money at an ATM, so it’s better to always pay directly, there are terminals everywhere, all the more so. I actually do this) Well, I don’t forget to save bonus points, for each purchase a percentage drops on the card.

Sergey, Moscow

Excellent service

Loco-Bank

Locobank has excellent service, they are not rude, there are practically no queues, they explain everything. When I started the card, I could not choose a tariff for a long time, the girls prompted at the bank, asked all my requirements and explained the difference! Amazing patience and customer service!!! Excellent conditions on the card, 10% on the balance - wonderful, no service fee. There are some nuances so that the balance is constantly 40 thousand ...

Maria, Moscow

Credit Bank of Moscow

In February, I connected the ICB bonus - the category of clothes and shoes. In May, I noticed that from the moment I connected, they charged 1% for this category. It turns out that in order to charge an increased percentage when paying in stores, they must pay for a certain category, which I should have warned sellers. What kind of nonsense? I have to check how money is debited from the card so that the bank accrues points? There is ...

Anonymous, Moscow

This bank attracts me with its services and a very good attitude towards its customers, who ...

In Rosbank, I have a salary card, as well as a loan for 3 years. I took a loan of 100 thousand rubles. I like the bank's simplicity and convenience, that is, it is very easy to receive a salary and repay a loan at any convenient time, because I have a credit card on which I need to put money for repayment. Also, in order to monitor the movements of its funds, the bank has ...

User, Moscow

I ordered a travel card, a nice percentage

If there was no BCS salary card, I would hardly have known about this bank) I recently stopped by the office to exchange currency before vacation. The consultant told about the updated conditions for credit cards. Well, going to Italy with a credit card is a gamble, you understand)) There are too many temptations. But I bribed a profitable course and the prospect of having a spare card on the trip) The first year is free ...

Natalia, Moscow

Basic moments

I am glad that the interest-free period here applies not only to purchase transactions (as in many other banks), but also to cash withdrawals from ATMs.

Please note that an LP of 100 days is given only for traditional Alfa-Bank credit cards. If your card is co-branded or supports contactless payment technology, then the grace period will be only 60 days.

Next moment - during the LP it is obligatory to make minimum payments (MP)! This must be done during the payment period, which begins monthly on the date of the conclusion of the loan agreement and lasts 20 days. MP is 5% of the existing debt on a credit card (but not less than 320 rubles).

And most importantly, the interest-free period starts from the next day after the first purchase. All other purchases within the next 60 (or 100) days will be discounted. At the end of this period, you must must go to zero(i.e. pay off all the accumulated debt to the penny), otherwise interest will be charged and the next LP will not start!

LP 60 days

For a better understanding, Alfa-Bank posted a LP calculation scheme on its website. Let's break it down point by point.

So, for example, the contract is concluded on November 22 (ie, the 22nd will be your reporting date when you will receive an extract). On the 28th they made purchases in the store. This means that from the next (29th) date you will have a grace period of 60 days (until January 28th).

On December 22, you receive an SMS with the amount you spent. Then, over the next 20 days (i.e. until January 11), you must make the minimum payment. As you can see, in the example this was done on December 28th.

Then you calmly make purchases again, and before January 28 (in the example - January 20th) you already make total debt, plus accrued interest. Thus, this grace period is closed, after it ends, you can start the next one.

LP 100 days

In the case of a 100-day grace period, the calculation scheme is exactly the same. Only in the above example, the LP will no longer last until January 28, but until March 9. And the minimum payment for this period will need to be made 2 times. This must also be done within 20 days from the 22nd of each month, i.e. January 11th and February 11th.

Until the end of 100 days, i.e. before March 9, again, you need to pay absolutely all the debt and go to zero. Only then can you start using the next grace period.

Remember that if you do not pay the full amount of the debt by the end of the LP, interest will be charged on it.

Where can I see the amount and date of payment?

You can find out the date and exact amount of the payment at any time by requesting an extract:

• in Alfa-Click Internet Bank;
• at the call centre;
• using the Alfa-Mobile mobile bank;
• at a bank branch (for a fee).

One of the largest banks in the country, Alfa-Bank, has been issuing a credit card with a maximum 100-day grace period for several years now. This card stands out from credit cards with standard grace periods. Every year, the product of Alfa-Bank becomes more and more interesting, and today, the "100 days without interest" card is considered one of the most profitable and interesting offers among all banks.

In this review, we will consider all the features and nuances of a credit card, conditions and customer reviews, and much more.

Terms and tariffs of the card "100 days without%"

So, let's look at the tariffs and conditions of the card from Alfa-Bank, since most people, when choosing a credit card, first of all look at these parameters, ask themselves: "How profitable is it?" and "Is it worth it?".

Payment system. When ordering a credit card, the client can independently choose the payment system that he wants to see on his card. It can be either VISA or MasterCard. The MIR payment system is currently not available with this card, but the situation is likely to change in the next year or two.

• Classic (Loan limit up to 300,000 rubles).
• Gold (card limit up to 500,000 rubles).
• Platinum (limit up to 1,000,000 rubles).

As you can see, the main difference lies in the maximum credit limit that can be approved on the card. The cost of servicing the card also differs, but more on that below.

Card issue. As in many other banks, Alfa-Bank is now absolutely free to issue a card. There is, in principle, nothing surprising here.

Annual maintenance cost as already mentioned above, it differs depending on the category of the card.

• Classic card - 1190 rubles per year. If you divide this amount by 12, you get 99 rubles a month. Given all the advantages of the card, it looks quite profitable.
• Gold - 2990 rubles per year.
• Platinum - 5490 rubles per year.

If you need a card just for payments and cash withdrawals, then it will be enough for you to issue a classic category card. If you are going to use additional privileges that are available on GOLD and PLATINUM status cards, then you should think about ordering a card of these categories.

Interest-free period on the card is the main "chip" of this product from Alfa-Bank. It is more than 3 months, or rather 100 days without interest. At the moment, this is one of the most maximum interest-free periods on a credit card. But the most interesting thing is that the grace period on this card even applies to cash withdrawals from ATMs! Such conditions are very rare in other banks. By the way, the grace period starts from the date of the first purchase, which is very convenient.

Standard lending rate. If you decide not to use the favorable conditions of the grace period or cannot repay the entire debt within 100 days, then the standard interest rate on the card will begin to operate. By the way, it is set for all clients individually during the approval process and, as a rule, depends on the credit history. The minimum rate is possible from 23.99%.

Withdrawing cash from an ATM. Since July 2017, Alfa-Bank has made its credit card even more profitable by making cash withdrawals on it due to the lending limit at ATMs without commission. The limit for commission-free withdrawal of money from an ATM is 50 thousand per month, above this amount a commission will be charged according to the tariff plan of 5.9%.

Minimum card payment set at 5% of the debt, min. 320 rubles. That is, if the debt on the card is 50 thousand, then the minimum monthly payment will be only 1,500 rubles.

Card security. The bank card "100 days without interest" is issued with a chip on plastic, which makes it a safer card for payments, since it is much more difficult to copy a chip than a magnetic stripe. For some clients, this sometimes becomes an essential factor for peace of mind.

In addition, the card has 3-D SECURE technology, which increases the security of payments on the Internet. That is, any purchase on the Internet is confirmed by an SMS code to the phone that is registered with the bank.

Contactless payments. Very often, the "100 days without%" credit card is chosen, among other things, by modern young people. This is due to the fact that the card provides PayPass and PayWave technology, which allow you to pay with a card in a contactless way. In addition, Alfa-Bank was one of the first banks in Russia to support Apple Pay and Samsung Pay technologies. They allow you not to physically carry a card with you, but to pay with your smartphone, having previously “linked” your bank cards to it.

Who can get an Alfa-Bank card

An Alfa-Bank credit card can be obtained by almost anyone with a Russian passport who meets some of the bank's requirements. Here are the requirements:

• Age from 18 years old.
• Monthly salary or other income from 9,000 rubles for residents of Moscow, and from 5,000 thousand rubles for residents of other regions of the country.
• You have a contact mobile phone number.
• You know, or can find out, the landline work number (it could be the HR or accounting department).
• You are registered, and also actually live and work in the city or in a nearby settlement where there is a branch of Alfa-Bank.

If you meet these requirements, then feel free to fill out an online application for a card and get a decision in just a couple of moments.

Required documents

Compared to other credit institutions, Alfa-Bank has a more loyal approach to the number of documents to be processed. You can get a credit card by providing a minimum of documents, which makes it easy and affordable for registration. But naturally, the more documents you provide, the greater the likelihood of approval and the lower the rate on the card.

So, in order to issue a card, it is enough to provide:

1. Passport of the Russian Federation.
2. Add. document (one to choose from): Driver's license, international passport, TIN, SNILS or compulsory medical insurance policy.

You can also optionally provide documents that will increase your chances of approval, credit limit and rate:

• Title for a car not older than 4 years.
• Passport with a mark on departure abroad for the last year.
• Voluntary medical insurance policy. Do not confuse with a regular medical policy. The VHI policy is paid and is usually issued at work or independently for a certain amount.
• Certificate 2-NDFL for the last 3 months or a certificate in the form of a bank.

The policy of voluntary medical insurance, passport or title does not remain in the bank. The bank employee at the branch will simply make a copy.

Let me remind you that an Alfa-Bank credit card is issued without collateral and guarantors!

How to order a credit card "100 interest free"

To order a credit card and make this as quickly and conveniently as possible, it is enough to issue a card online via the Internet. For this:

1. Go to Alfa Bank website.
2. Fill out an online application in 5 minutes.
3. Find out the solution first.
4. Come to one of the many branches of the bank that you have chosen in the online application form to receive the card.

As you can see, the process of issuing a card is quite simple and convenient. You can know the decision on the card literally within a few minutes after filling out the online questionnaire.

Competitor cards of Alfa-Bank

As mentioned above, there are not so many banks offering grace periods in excess of the standard 50-60 days in Russia. But nevertheless, in addition to Alfa-Bank, there are 2 more worthy banks offering a non-standard grace period of 100-120 days.

1. with an interest-free period on the card of 120 days. But there is a nuance here - 120 days without interest is given if you repay a loan or a credit card in another bank with a Tinkoff card. That is, a kind of refinancing.
2. . This card allows you to buy from bank partners in installments up to 12 months, as well as in all other stores and on the Internet there is a grace period of 3 months. The card is interesting in that it is completely free. Of the minuses - there is no way to withdraw cash.

Review of the credit card "100 days without interest"

On the network you can find a lot of reviews about credit cards, including Alfa-Bank cards. Most of the reviews about this card are of course positive, as the card is really profitable and convenient.

From myself, as the author of this review, I can say that I have been using the card for more than a year, and in my opinion, the pros of the card far outweigh its cons, to which some customers attribute the cost of annual maintenance. But I think that 1190 rubles a year for a card from which you can withdraw money without commission and use an interest-free loan for 100 days is very profitable! Sometimes I even pay with this particular credit card, and put the cash on a piggy bank card or a special deposit, where interest drips in 3 months, and it turns out even more than the cost of annual service on the card. So I'm happy with the card. The only thing missing is cashback for your purchases. But for this I have other cashback cards.

Leave your feedback and share your experience of using this card in the comments below this review.