Alfa bank loan 100 days. Alfa-Bank has changed the conditions for credit cards "100 days without%

Nowadays, many people use credit programs of various banking organizations. However, not all organizations provide high-quality lending conditions for their customers, so it can be extremely difficult for people to find the right credit card. Alfa-Bank also made its offer, the “100 days without interest” card performs a number of useful functions and can help out at any time.

Alfa-Bank credit card conditions "100 days without interest"

Alfa-Bank card "100 days" is a favorable credit condition for 3 months. A member of the credit program can use the special feature for one hundred days from the date of purchase. The essence of this function is that the client will be able to return the money taken from the bank without overpayments. The grace period is activated immediately after the first cash transaction. If the money is not returned within the specified period, then the interest specified in the contract will begin to accrue on the principal debt.

Alfa-Bank 100 days credit card offers favorable and affordable conditions. If the client has a debt, then he is obliged to pay at least five percent of the amount of the current debt, while the payment must be not less than 320 rubles. The interest on the loan is 24% per annum.

When issuing a credit card at Alfa-Bank, the client can choose a payment system. The bank provides the following options: Visa and MasterCard, also in the near future there will be a national payment system "World".

These types of loans include the following categories: Classic, Gold and Platinum. Each category differs from each other in the maximum credit limit, from 300,000 thousand to one million.

Annual service on a credit card is - from 1190 to 5490 rubles. The cost depends on the chosen classification: classic - 1190, gold - 2990, platinum - 5490 rubles.

How to get an Alfa-Bank "100 days" card? It's simple, you need to do one of the following:

• fill out an application on the site.
• call the bank operator.
• go to the nearest branch of the organization.

In the last two cases, the client will need to follow the instructions of the bank employee in order to successfully complete the application. In the first case, the client will have to independently perform all the actions.

Application for an Alfa-Bank card "100 days" on the website:

1. Go to the official website of the bank, you can do this at the link alfabank.ru.
2. On the main page of the site that opens, click the "Order a card" button.
3. Further, the client will be required to fill in personal information, as well as select the category of the card received.
4. After you fill in all the required fields, submit your application for consideration.
5. For some time, a bank employee will review the submitted application and send a response to the mobile phone number indicated in the application.
6. With a positive decision, the client has to wait for the issue of a credit card and receive it at a bank branch, or order plastic delivery by mail.

Conditions for issuing a loan:

• the client must be of legal age;
• the presence of Russian citizenship;
• the client must have an official source of income that brings at least 9,000 rubles per month (for residents of Moscow) and 5,000 rubles per month for all other citizens.
• have a valid contact number;
• registration or registration in the city where there is a bank branch.

Cash withdrawal from Alfa-Bank "100 days" card

Starting in 2017, Alfa-Bank introduced the possibility of interest-free cash withdrawals from credit cards, however, there is a maximum limit of up to 50 thousand rubles per month. So, if the amount withdrawn exceeds 50 thousand, then additional interest in the amount of 5.9% of the withdrawn amount begins to be charged.

When withdrawing cash from ATMs of other banking organizations, a fee of 5.9% of the amount withdrawn is charged.

To increase the maximum credit limit, you can purchase a card of a higher category. The Alfa-Bank 100 Days card is issued in several forms:

1. Classic category - up to 300 thousand rubles.
2. Gold category - up to 500 thousand rubles.
3. Platinum category - up to one million rubles.

You can also increase the maximum credit limit in the following cases:

• the period of use of a credit card is more than six months from the date of its receipt, while the client's account should not have overdue debts.
• the amount of monthly payments on all available loans should not exceed 30% of the official income.

If the client meets the requirements presented, then he needs to contact the branch of the banking organization and provide a passport, a certificate of form 2-NDFL, as well as one additional document. After that, he will be asked to fill out an application to increase the limit. Alfa-Bank card "100 days without interest" is a convenient payment instrument available to citizens with a regular monthly income.

Credit card from Alfa-Bank "100 days" is a unique product in the financial market due to the duration of interest-free lending. For the entire duration of the product, this is 100 days, i.e. a period of more than 3 months. In addition, this kata will provide an opportunity to use both own funds and bank credit resources within the established limit. Relatives, business partners or acquaintances can easily transfer funds to this product.

You can easily pay with your 100 Days card at self-service terminals or cashless in stores, pay online, and withdraw cash anywhere in the world! This product comes with an electronic chip, which opens up unlimited possibilities for using it while traveling abroad. Please note that during such transactions, an automatic conversion takes place in accordance with the bank's card rate on the day of such a transaction. For your safety, there is a limit on the issuance of credit resources on the card, which will be reviewed periodically.

Basic conditions on the card

• Free credit card issue as soon as possible
• High credit limit, which can reach 500 thousand rubles.
• Automatic activation of the interest-free period, which starts from the moment of the first write-off of credit funds as a result of payment for a purchase in a retail network or cash withdrawal
• The amount of interest will be from 26.99% to 39.99% per annum
• The interest-free grace period on the card is set at 100 days

The cost of servicing a classic card:

Gold card maintenance cost:

The cost of servicing Platinum premium cards:

Features of the grace period of 100 days

In addition to other significant advantages, it is precisely such a long grace period for lending that distinguishes the product from a number of analogues. However, before you start using and even issuing a card, you should delve into the features of the organization's credit policy in order to avoid unpleasant surprises.

For the entire line of Alfa-Bank credit cards, the grace period begins from the moment the first write-off of credit funds by any of the methods (cash withdrawal, payment on the Internet or in a store). Other write-offs that occur during this period will also be classified as debt and must also be repaid within 100 days of the first transaction.

You can really take a loan without interest on this product for an unprecedentedly long period. To do this, you must fully pay off your debts within 100 days and continue using the card.

An important point is the mandatory payment of 5% of the amount of the current debt to the card account every 20 days. Thus, the client demonstrates payment discipline and demonstrates readiness to service the amount of debt in a timely manner. The billing period starts from the moment the card is issued to the client and its activation.

Important! Alfa-Bank constantly monitors the interest on loans issued to the borrower. If it is impossible to cancel the debt during the grace period, the bank will charge a fee for using the loan for the entire period of such debt in full. In other words, the interest-free period will also be included in the interest calculation period.

Additionally, if the payment is late, the client runs the risk of significantly worsening the credit history. Financial sanctions for such categories of clients include the accrual of a 1% penalty on the amount of debt daily until the date of repayment.

A key feature of the card, which must be taken into account by its active users, is that a new grace period will be provided only after the entire amount of the debt has not been reset to zero.

Benefits and features of the 100 days card

There is no release fee for the product. However, the essential point is the credit card service charge. Annual tariff in the amount of 1293 rubles. (for the product of the Classic series) will be charged immediately after the activation of the card with the corresponding start of the grace period. Such debt must be repaid before the expiration of the hundred-day period, even when the client has not used the card.

It is noteworthy that the grace period applies to any card transactions. However, it is unprofitable to withdraw credit resources from an ATM - a considerable commission of 6.9% of the requested amount is included in the standard rates. It is worth remembering that this fee also applies if you withdraw your own cash in advance. In addition, there is a monthly cash withdrawal limit. This product is designed to pay for services or goods in a non-cash way. It is this calculation, as well as attention to the features of debt service, that form the main advantages of the 100 Days card.

A number of Alfa-Bank partners offer special discounts subject to payment by cards issued by the organization. Modern and useful additional services for customers are the Alfa-Click Internet Bank, as well as Alfa-Mobile - free services that allow customers to control the situation with a card account, receive statements and initiate transactions remotely.

Optionally, cardholders can connect life insurance at a rate of 0.67% of the debt. For each fact of debiting or crediting, the client will receive an SMS if an SMS notification is activated at a cost of 59 rubles per month.

You will learn how to enter your personal account on the official website of Alfa-Bank online. Detailed instructions for convenient and quick access to alfabank.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to a personal bank account. We provide only the most up-to-date information.

Requirements for the borrower and necessary documents

Loyal credit policy and high service level make everyone interested in getting a card feel comfortable. The entire registration procedure will take about 30-40 minutes. At the same time, a minimum of requirements is put forward for potential holders of the product:

• Client must be 18 years of age or older
• Citizen of the Russian Federation
• The presence of a permanent income: from 9 thousand rubles. for Moscow, from 5 thousand rubles. for representatives of the regions
• Have a continuous work experience of at least 3 months
• Ability to specify fixed work and personal mobile phone numbers
• Confirmed place of work, as well as registration at the location of the bank

To form an application for issuing a card, you must provide a passport of a citizen of the Russian Federation, as well as any other document confirming the identity of the applicant. It is worth remembering that for identification, in addition to the passport, only one additional photo is enough. These forms can be:

• Tax identification number
• Valid international passport
• CHI policy
• SNILS
• Driver's license

Optional documents, the presence of which can still affect the issuance of a card, are a certificate in the passport about the fact of a foreign trip over the past year, a copy of the car registration certificate (not older than 4 years), as well as a copy of the front side of the VHI policy. To receive increased limits or special service conditions, you can provide a bank certificate on the income of an individual, as well as a 2-NDFL form for the last quarter.

Credit card processing

You can order a card issue remotely. Avoiding queues and transport costs. To do this, you need to fill out a simple online application form. After a short processing of the received data, the bank employees will make an appointment. Next, you should come to the bank with the necessary documents, take a picture and get a “100 days” card.

We go to the Alfa-Bank website, enter personal data - last name, first name, patronymic, mobile phone and email:

After that, we indicate information about the work - the name of the organization, TIN, type (full-time or part-time employment, service, own business), date of commencement of work at the current place, position, scope of the organization, number of employees, telephone number of the organization and personnel department (accounting) and work email.

At the end of this paragraph, enter the work address - region, town, street, house and index:

On the next page, we indicate the documents to be submitted to the bank - the second and additional documents. We also indicate information about income - the amount of wages at the main place of work, if there is additional income and the amount of monthly income:

At the next step, enter the address of permanent registration - region, town, street, house, apartment, index, date of registration (from the stamp in the passport), select whether there is a phone number at the place of permanent registration, enter the phone number and indicate whether the actual residence matches the address registration.

In the next step, we indicate financial information - whether there is real estate, a car and loans in other banks.

We come up with a code word and choose the preferred place to receive the card - the city and branch:

After filling out the application, we confirm the phone number with the code from SMS:

On the next page, within 150 seconds, a preliminary decision will be made on the approval of the application for a credit card:

After a while, we receive an email with approval for issuing a credit card:

Benefits of the product Alfa-bank 100 days for customers

The main advantage of the card is the long interest-free period. In addition, its registration takes place quickly and with a minimum of documents. In fact, you can get a unique card just by the results of a single visit to the bank. Alfa covers a wide network of branches, and free remote access services make the process of working with a card account even more convenient!

You can deposit funds to a card account at Alfa-Bank branches and ATMs with the Alfa-Cash function. For residents of the capital, such an operation can be performed at the terminals of the Moscow Credit Bank. You can cash out without extra commissions at a number of partner banks or Alfa-Bank branches.

The cardholder can get the maximum benefit when he uses the card to pay at terminals or commercial organizations in a non-cash way. It is important to observe payment discipline and repay the debt within the settlement and grace periods. According to this scheme, you can repay the debt for any purchases within the credit limit.

Video Alfa-Bank 100 days without %

How to use a credit card

What is grace period

What is the monthly minimum payment

Alfa-Bank offers its customers a new credit card "100 days without %" with a unique condition for the market: cash withdrawal anywhere in the world without commission.

Now the bank's customers can withdraw cash up to 50,000 rubles per month without commission at all ATMs in the Russian Federation and abroad. This is possible for "100 days Standard", "100 days Classic", "100 days Visa Gold", "100 days MasterCard Gold" and "100 days Platinum" cards.

For cards with additional benefits: cash-back, co-brands, the conditions for commission-free cash withdrawal do not apply.

According to the new conditions for Alfa-Bank credit cards “100 days without%”, a commission is now charged for withdrawals above 50,000 rubles. Its value, according to the Banki.ru portal, will be:

• - 5.9% of the amount, at least 500 rubles (according to the "classic" card);
• - 4.9% of the amount, at least 400 rubles (for a "gold" card);
• - 3.9% of the amount, at least 300 rubles (for a "platinum" card).

And yet, a commission when withdrawing cash from Alfa-Bank credit cards "100 days without%" may arise. For example, a third-party bank's commission may be charged for cash withdrawals, and in addition, there may be a commission difference in exchange rates.

New Alfa-Bank cards with a grace period of 100 days will be issued under these conditions. To connect the option to a valid card, you do not need to reorder and get a new one. Customers just need to leave a request at the call center or bank branch.

Alfa-Bank credit card with a grace period of 100 days: conditions

Among the advantages of Alfa-Bank credit cards “100 days without%”, a convenient grace period (grace period) is noted. It applies to any card transactions and cash withdrawals. In addition, the grace period is not tied to the date of the contract / calendar date and resumes immediately after the full repayment of the debt;

Cash withdrawal limit: RUB 60,000 per month;

Cash withdrawal fee: 5.9% (min. RUB 500);

Payment system: Visa, MasterCard;

Grace period of crediting: 100 days;

Cash withdrawal limit: RUB 120,000 per month;

Cash withdrawal fee: 4.9% (min. RUB 400);

Issue of additional cards: available;

Minimum credit limit: 10,800 rubles;

Free mobile application "Alfa-Mobile".

Payment system: Visa / MasterCard;

Grace period of crediting: 100 days;

Cash withdrawal limit: RUB 200,000 per month;

Cash withdrawal fee: 3.9% (min. RUB 300);

Issue of additional cards: available;

Minimum credit limit: 150,001 rubles;

Free mobile application "Alfa-Mobile".

Who can get an Alfa-Bank credit card

Any adult citizen of the Russian Federation with a monthly income of 5,000 rubles or more can take a credit card. For residents of Moscow - from 9,000 rubles.

The client is also required to have:

• - telephone (mobile or home at the place of actual residence);
• - a landline work phone or at least he knew the phone number of the accounting / personnel department;
• - permanent registration, actual residence and place of work in the city where there is a branch of Alfa-Bank or settlements located in close proximity to such a city.

How to apply for and receive a credit card from Alfa-Bank

You can take a credit card for 100 days without problems either:

• - in the nearest branch of Alfa-Bank;
• - by filling out an online form on the company's website;
• - by calling 8 800 100-20-17.

Documents for obtaining an Alfa-Bank credit card

In order to issue an Alfa-Bank credit card, you will need only 2 documents - a general passport and, for example, a driver's license, or a certificate of TIN / SNILS / compulsory medical insurance policy.

May also be useful:

• - Copy of vehicle registration certificate (car not older than 4 years)
• - A copy of a foreign passport with information about a trip abroad for the last 12 months
• - A copy of the front side of the VHI policy

To get an Alfa-Bank credit card on more favorable terms, attach a certificate in the form 2-NDFL for the last 3 months.

The information is not a public offer. Learn more about the terms of use and interest rates of Alfa-Bank credit cards with a grace period of 100 days on the official website alfabank.ru or at bank branches.

Alfa-Bank credit card "100 days without interest" is the most profitable product on the credit market, providing people with large amounts of borrowed funds with an extended grace period.

Conditions

Alfa-Bank launched a credit card on the market that allows you to use the bank's funds without paying interest for 100 days. Such a grace period is at least twice the grace period for other credit cards, in other banks this period is 30-50 days.

Alfa-Bank has made a very profitable product, but they need to be able to use and know all the conditions, since an interest-free credit card still has small “pitfalls”.

Alfa-Bank issues credit cards of two payment systems - Visa and Mastercard.

Classic

Platinum

They differ in terms of service, as well as in benefits and privileges available to bank customers. You can compare the main conditions for issuing credit cards in the table.

These terms are the same for all credit card holders with a grace period of 100 days.

Video

Terms of Use

Everyone knows how to use a credit card. But here are the rules for using the Alfa-Bank “100 days without interest” cards that are better to be clarified, since they are somewhat different from the standard ones. The interest-free period is valid for 3 months, but this does not mean that a person does not have to make payments at all.

Consider how to properly use the benefits of the grace period from Alfa-Bank:

1. After writing off the borrowed funds from the card, the grace period begins the next day.
2. On a monthly basis, a person must pay a card maintenance fee and this period does not depend on the use of credit funds.
3. If the card is opened on May 1, then funds will need to be deposited after 30 days.
4. If a person spent money from the card on May 5, then on June 5, 5% of the amount spent will need to be paid.
5. That is, 30 days from May 5 to June 5 constitute one payment period, during which two amounts must be paid.
6. Then, in June, the second payment period begins - that is, 60 days after the opening of the card, you will need to pay again the amount for the service and 5% of the debt amount.
7. 90 days after the activation of the credit card, the third payment is made, and a maximum of August 5, the entire loan amount is repaid.

That is, interest-free credit cards from Alfa-Bank are not so preferential. For three months, you still need to repay the amount of the debt in installments.

If the loan is not repaid within 100 days, the bank will begin to charge interest on the entire amount of the debt.

That is, if you took 100 thousand, paid off 90, but did not have time to pay 10, then interest will be charged on all 100,000 rubles. So you should be very careful with the grace period on the card.

Tariffs on the card "100 days without interest"

The interest rate on the Alfa-Bank card is calculated individually for the client, but the minimum starts from 23.9%, and the maximum will be 39.9%.

To obtain the minimum interest rate on a credit card, a person must provide Alfa-Bank with guarantees of his financial solvency and responsibility.

In addition to the interest rate, there are other interest that a person will have to pay if the rules for using the grace period are not followed:

• 1% - this is a percentage of the amount of the debt, if there are overdue payments (the person did not pay 5% of the debt twice in three months). If the borrower took 50 thousand and did not pay anything for three months, then before the end of the grace period he must pay 52 thousand (one thousand for each overdue payment plus the debt itself).
• 5% - a monthly payment from the debt, but always starting from 320 rubles. Don't worry about overpaying, not at all. When taking 100,000 rubles, you need to deposit 5,000, then another 5,000 and in the last month 90,000, there will be no excess.
• 5,9% - charged on the amount of cash withdrawal, if it exceeds the maximum allowed. Interest will be charged only on the amount over the limit. When withdrawing 60 thousand from the card (limit 50,000), 5.9% will be credited for 10,000 rubles, and a person will need to repay a total of 65,900 rubles before the end of the grace period on a credit card.
• 0.67% of the amount is the cost of insurance. You can refuse it at the time of receiving the card, but bank employees often do not mention this, so you need to clarify this point yourself so as not to overpay in vain.

Alfa-Bank's "100 days without interest" credit card is very convenient and, if you manage your funds correctly, you can earn income by using borrowed money correctly (make deposits, and repay debt from interest).

Cash and non-cash payment

Alfa-Bank issued a card that is absolutely unique in its kind. For all banking organizations, the grace period on a credit card is a maximum of 50 days and applies to the use of borrowed funds in a non-cash way, if a person withdraws money from an ATM, then the grace period does not begin, but the bank immediately calculates interest.

In Alfa-Bank, everything is different - cash and non-cash transactions are valued the same, and a person can not overpay interest on a loan for 100 days. Interest can be charged only in case of withdrawal of money exceeding the limit.

The accrual will occur one-time, and if a person does not pay off the debt before the end of the grace period, then this amount will not be included in the debt and the interest rate will begin to accrue only on the loan amount itself.

An important difference between an Alfa-Bank credit card and others is that the grace period begins to operate from the moment of purchase, and not from the first day of the month, and a person has 100 days to pay off the debt, and not just the remaining 20 out of 50 if he took the money 29th of the month.

Video: what is a grace period?

Requirements for borrowers

In order to have the lowest percentage on the card, you need to show the bank your stable and large earnings, they will help to do this:

• Income statement.
• DMS policy.
• Title for a vehicle not older than 4 years.
• Passport with a stamp confirming that you have traveled abroad within the last 12 months.

If a person is a salary client of Alfa-Bank, then the organization can independently open a card with the lowest interest rate, if this allows the client to make an income.

How to apply for an Alfa-Bank credit card?

To obtain an Alfa-Bank credit card "100 days without interest", you must submit an application to the bank. You can do this in two ways:

1. After filling out the form on the Alfa-Bank website, and having received a preliminary decision, come to the bank branch and bring the documents for verification.
2. By contacting the Alfa-Bank branch during business hours in person with documents on hand.

The bank decides to issue a credit card quickly, usually on the same day. If the application was submitted online, then the waiting period may increase to 2-3 days due to the system being loaded with a large flow of clients and requests.

The bank's preliminary decision to issue a card very rarely changes in a negative direction, so you can safely approach the bank after the operator calls.

The more documents a person brings, the higher the probability of Alfa-Bank issuing a credit card "100 days without interest" on favorable terms.

Advantages and disadvantages

Many customers complain about this credit card, but this is only because they were inattentive at the time of signing the contract. If you have not read the fine print, then the bank employee is not to blame, and it is not worth reproaching him for not loudly voicing all the benefits for the bank and the minuses for the client, this is stupid.

Therefore, the table below spells out the main advantages and disadvantages of the "100 days without interest" card from Alfa-Bank, so that a person can independently decide on the benefits of a credit card:

A credit card from Alfa-Bank is more profitable than many people think. There are no hidden fees, but there are basic interest and penalties, like other cards and banks, so these are not disadvantages, but rather just unpleasant moments.

The card "100 days without interest" is very convenient if you manage borrowed funds correctly. The terms of SMS informing and Internet banking allow you to monitor the status of the account at the current moment so as not to miss the payment deadline.

Over the past few years, a credit card has gone from being a symbol of a prosperous life with many opportunities to become quite accessible and commonplace. Advertising credit cards of various banks with might and main urges Russians to pay for purchases using a bright plastic rectangle.

There are really a lot of offers from banks, and it is quite difficult for a simple layman to understand the sea of ​​incomprehensible terminology of bank employees. Most often, customers are attracted by the opportunity to use the bank's finances for a long time without paying any interest. Such a service is called a "grace period", or more simply - a grace period.

Many banks entertainingly paint the opportunity to use their funds for free for one, and sometimes two months. However, the leader in this segment is occupied by Alfa-Bank with its unprecedented offer - a credit card with a grace period of 100 days.

Grace period description

grace period can be called a limited period of time during which the bank offers the client to use finances within the limit, without paying any remuneration to the organization itself.

Comfortable? Undoubtedly! Especially when this period is more than three months. However, it is worth analyzing in more detail the grace period of the Alfa-Bank credit card “100 days without interest”, so as not to subsequently get into trouble when paying.

Basic moments to which you should pay close attention:

• The grace period for a 100-day card will begin when its owner make the first purchase or withdraw cash. Further, all transactions using a credit card will be "preferential", but only for 100 days.
• The bank has set a payment period.

  It is 20 days, not 30, as we used to think. During the payment period make minimum payments of 5% from the amount of debt.

  It is worth noting here that the minimum amount set by the bank to be paid - 320 rubles. This means that even with a debt of 1,000 rubles, less than 320 rubles cannot be paid. The payment period begins on the date of conclusion of the contract and ends on the twentieth day at exactly 11 pm Moscow time.

• Before the end of the grace period, you must pay off all debt. Otherwise, interest will be charged on the entire amount that the client borrowed from the bank, even if the amount of the debt is only one ruble.
• New grace period will begin only after the closing of the previous one and the full repayment of the entire loan amount.

On the pages of our site you can also find out about that, and about the conditions for obtaining it.

We will help you choose a consumer loan, on the most favorable terms and with any credit history.