Get a loan using a card. Credit cards with instant decision

The desire to become the owner of a credit card is quite justified, since today having money on it can always help a person at any time. Choosing a bank that will issue this card is becoming difficult today due to the fact that almost everyone offers quite attractive conditions.

We will tell you further about how to apply for a credit card to all banks and save time on receiving plastic.

How to apply to all banks?

It is difficult to choose the most suitable offer, since when it comes to a loan, the conditions of many banks (especially the limit) become known after considering the application. The financial company studies the client’s solvency and only then announces the limit on the card, which it is ready to offer and the rate. In the offer, the conditions look like a range (for example, rate: 15% -29%, amount 50,000 rubles - 300,000 rubles). What to do in such a situation? Apply to all banks and then choose the best offer for a credit card? But it will take a lot of time to visit all the banks!

To save time, you should receive a list of offers that match your needs in just a few minutes. Next, fill out an application to a specific organization. If the bank makes a positive decision, it is enough to come to the credit institution with a civil passport.

By submitting an online application for a credit card in this way, you can get the opportunity to apply for it without leaving your home. The time it takes to receive plastic depends on its type. If it is an instant card, you can pick it up on the day you apply using your passport at the nearest bank branch.

Advantages of online loan application to all banks

Installment card "Halva" from Sovcombank

This card allows you to make daily purchases in installments for up to 12 months without a down payment, without overpayments in partner stores and without commissions.

Advantages:

• instant purchases made in installments;
• installments up to 12 months;
• renewable lending limit reaches RUB 350,000;
• cashback is 1.5%.

• Russian citizenship;
• 20-80 years;
• registration within the last 4 months;
• official employment;
• having a mobile phone.

Quick application form

Fill out the application now and receive money in 30 minutes

Using a credit card is suitable for people who are accustomed to making non-cash payments. We have developed an extensive line of products (6 credit cards), from which each client can choose the appropriate option to simply make payments, save, receive bonuses, and use all possible functions.

Our employees, as well as information on the official website, help you make the right choice. We offer the opportunity to issue credit cards, spending a minimum of time on the process. To do this, you need to enter your data in the form fields and wait for a decision to be made. We provide an answer on the day of your request, in many cases within 20–30 minutes. To receive a payment instrument, you need to come to the nearest branch. If this is inconvenient, we suggest you get it (option available only for some products).

Conditions for obtaining a credit card

With a credit card, you can not only spend money, but also save using the grace period and the cash-back function (a percentage of each purchase is returned to your account). If such a task is a priority, pay attention to the following suggestions:

• "Big interest free" card. The grace period is 180 days. Maintenance is free for a year. Holders make purchases for six months without paying interest to the bank - this gives a significant level of financial freedom. For registration you only need a passport, you can get up to 300 thousand rubles;
• servicing on the “Seasonal” card in the first three months of use occurs at a reduced interest rate - 11.5% per annum. Provided the payment is made within the grace period, the loan is interest-free. If you make purchases using links to online stores whose addresses are listed on our website, cashback reaches 40%;
• a payment instrument aimed at young people, with free service in the first and subsequent years of use. Borrowers who are over 18 years of age can order a credit card with an instant decision to issue funds. In order to save on everyday expenses, you can become the owner of a “Heat” card: 5% of funds from payment of transportation costs, utilities, and medicines are returned to owners. For planning profitable trips and free cash withdrawals from ATMs abroad, the Traveler's Card is convenient.

We offer a number of products for clients wishing to earn rewards:

• as interest on the balance;
• by returning part of the money spent on purchases (with the Autocard, when purchasing fuel at a gas station, 3% is returned, when making other purchases - 1%).

For wealthy clients, we offer a large credit limit (up to 8 million rubles) and the opportunity to use a package of Visa privileges.

Credit card services

Owners of our payment instruments have access to a number of additional services:

• account management in the mobile application, login is performed using a login and password, payments are made through secure channels (functions include requesting a mini-statement, instantly blocking a card, information on the balance, searching for the nearest branch);
• informative electronic assistant in Telegram;
• ordering a credit history via Internet banking.

You can instantly calculate your monthly payment for each credit card.

I have been using the services of Gaprombank for quite a long time and have never had any complaints. The salary card was provided by this bank. This time I decided to get a loan, it’s convenient, reliable and you can always get the required amount from a credit card. There is a bank branch conveniently located next to the house. The entire registration procedure did not take much time, the employees were very friendly and provided professional service.

I have been using an Otkritie Bank credit card for a year now. Very convenient conditions, loyal interest rate and always high-quality customer service. Previously, I was serviced by another bank, but the credit conditions there were much worse. Everything is clear here, no hidden operations without my knowledge. I am completely satisfied with the work of the bank.

Over many years of cooperation with VTB 24 Bank, I have repeatedly been convinced of its reliability. I have applied for loans from this bank several times. I always liked the conditions and the credit system. Open and accessible interest calculation, no additional hidden charges. Good work, well-functioning banking system.

Over the long period of service at Alfa Bank, I have only positive impressions. Always friendly staff, professional solutions to issues, prompt processing of applications. I applied for a loan from a bank, there were minimal difficulties, everything was clear and understandable.

During the entire period of using the bank's services, there were never any disappointments. I received a loan on clear terms with openly stated interest rates. There are no fraudulent deductions or secret write-offs. There have never been any unpleasant situations while using a credit card.

Just the other day I received a loan from a branch of B&N Bank. I really liked the service. Since I was applying for a loan for the first time, there were a lot of incomprehensible things, but the employees politely answered all questions and told me about the conditions and interest rates. I was satisfied with everything, the application was quickly approved and the treasured amount was in my hands very quickly.

I have been a client of Raiffeisenbank for a very long time. I have always liked the fact that the bank is consistently among the leaders among Russian banks. There were deposits, there was a salary card. Now there was a need to issue a credit card and I, as a regular customer, was offered very attractive conditions. An employee of the credit department spoke in full about the intricacies of lending, the conditions and terms of loan repayment. I am very pleased with the work of the bank and will continue to cooperate, especially since the bank’s branch is very conveniently located.

At Touch Bank you can submit an online application for a credit card, which gives you the opportunity to use credit funds at any time. This is a universal payment instrument that allows you to pay for purchases and services and receive bonuses for it.

Apply for a credit card online in 10 minutes

To get a Touch Bank credit card, you must:

1. Fill out the form on the bank's website.

   You must provide your full name, mobile number, and email address. It only takes 10 minutes to complete the online application. This can be done from any device with Internet access.

2. Wait for the bank's decision.

   Typically, the processing time for applications does not exceed 1 day.

3. Receive the card by courier.

   Touch Bank delivers cards free of charge to the specified address at a time convenient for the borrower. The courier must present the original passport, which he will photograph and send to the bank employees.

4. Activate your credit card.

   When the bank receives copies of documents sent by courier, it will send an SMS with the login and password from the Internet bank, in which you will need to set the card PIN code.

Touch Bank credit card is:

• Favorable lending conditions
  Credit card holders can receive credit funds at a low interest rate (from 12% per annum).
• Possibility to get a credit card only with a passport
  To get a loan from Touch Bank, it is enough to have a passport of a citizen of the Russian Federation. Thus, you do not need to issue a certificate of income or submit a copy of your work record book.
• bonus program
  Borrowers who apply for a credit card online become participants in the bonus program. Using the card, you can pay for purchases and return up to 3% of the money spent.
• Grace period
  There is a grace period of 61 days when credit funds can be used without interest.

More about loan terms

Nowadays, credit cards, despite their rather high cost of use, are in demand. Almost every third citizen of Russia has this tool, which provides many advantages. And to make the cards even more attractive, issuers have provided the opportunity for remote issuance. Some banks are even willing to provide them by courier. If this is exactly what you need, we suggest ordering a credit card from this list.

The selection includes Russian banks that issue credit cards remotely and in a short time. Please read their terms and conditions. A table showing the main parameters will help you choose the best products. If you decide on a card, submit an online application to find out sooner, further search for a suitable plastic card, or prepare documents for concluding a transaction.

What can be the credit limit on a card for 100 days without %?

Alfa-Bank has one of the best offers in the credit card segment with its “100 days without %” product. Plastic is available in 3 variations: “Classic”, “Gold” and “Platinum”. By ordering Classic, you can use up to 500 thousand rubles, Gold assumes an increased amount - a maximum of 700 thousand rubles. If you send 100 without % Platinum, the borrowed funds in the account will be no more than 1 million rubles.

In each case, the initial rate will be 14.99% per year, but its value is determined on an individual basis. Holders of this credit card can pay up to 50 thousand rubles. When the transaction amount is higher, 3.90-5.90% is withheld from the client.

Along with the card, Alfa-Bank offers:

• use the contactless payment option via Apple Pay/Google Pay;
• replenish your plastic card for free, pay off debt without additional payments or any commission fees;
• receive all the necessary information on the account, make a refund, etc. through mobile banking.

Not only issuing a credit card takes place remotely. You can also receive it without leaving your home, since the lender has introduced courier delivery. Moreover, it is carried out the next day. The decision is announced in 2 minutes. An adult, employed citizen of the Russian Federation who receives at least 5-9 thousand rubles monthly can apply for a credit card.

He must have: a telephone number (can be home), a work number (HR department or accounting department), permanent registration, a passport and one more document from the list:

• SNILS;
• credit/debit card issued by any Russian bank;
• abroad;
• rights.

If you provide more documents, the interest rate will be reduced. A person must live and work in the city where the bank branch is located. You can refinance old and unprofitable credit cards with an Alfa-Bank card.

Tinkoff Platinum is the leader in online credit card orders

Tinkoff Bank, which is rapidly gaining a leading position in ordering credit cards via the Internet, provides Platinum to its clients. The card provides cashback up to 30%. It is returned for any purchases in the form of points. If you decide to urgently order a credit card, you will have no more than 300 thousand rubles in your account. The cost of service is 590 rubles. per year, and the rate is from 12% per annum.

Relatively recently, the Platinum Tinkoff Bank financial instrument was equipped with a function of up to 12 months. . It can be positive for people with a bad credit history or overdue loans from other banks. The main thing is that the Russian has a permanent/temporary registration and is over 18 years old. You can also order a card with a grace period of 55 days. Only residents of the capital do not pay for delivery.

Halva installment card from Sovcombank - a new generation of credit cards

Bystrokarta – instant crediting of a loan at any time

Bystrokarta is a payment instrument designed for crediting loans by the Bystrodengi company. They are transferred by call on any day of the week 24 hours a day in the amount of up to 100 thousand rubles. The debt must be repaid with interest (from 0 to 730% per annum) after 1-180 days. The card is serviced and issued completely free of charge. It can be ordered by adult Russian citizens (not older than 70 years old) who use a passport to fill out the application form.

The Bystrocard owners manage the money at their own discretion:

• pay for goods and services on the Internet;
• transferred to electronic wallets;
• book tickets;
• withdraw cash, etc.

The borrower is subject to a mandatory income requirement, although it does not need to be confirmed. To apply for a plastic card, you should enter personal data in the application, wait until an MFO employee contacts you, and come to the office to conclude the transaction. Through your personal account or mobile application, you can repay and extend the loan.

What does the Vostochny Cashback card give to its holder?

Orient Express Bank issues a Cash-back credit card with the following features: during the first 56 days there is a grace period for purchases, cashback is valid (1-5%), income is accrued up to 4% if 10 thousand rubles remain in the account. The loan amount can reach 400 thousand rubles. One of the main advantages is prompt processing and issuance.

“Cash-back” refers to free service cards. For the use of borrowed funds, individuals annually pay 24-28.90%. Russians apply for credit cards if: they have a passport, have reached 21 years of age, receive a stable income, have worked for at least 3 months.

Please note that pensioners will not be able to open a credit card if they are over 71 years old. People over 26 years of age do without certificates and guarantors. Younger clients need confirmation of a copy of their labor or 2-NDFL. After filling out the application, wait about 30 minutes to hear the answer.

Should I order a Raiffeisenbank credit card #all at once

A RaiffeisenBank credit card can be issued provided that the client meets the requirements, namely: Russian citizenship confirmed by a passport, age over 23 years, work experience in the last position should not be less than 3 months. In addition, those wishing to order a card should: work and earn more than 25 thousand rubles, own a personal phone, name a work one.

Under what conditions is it offered to issue a Kviku virtual credit card?

If 200 thousand rubles is enough for you to carry out transactions with electronic money, look at the Kviku credit card. Sign an agreement with MFK AirLoans for 60-365 days. Newcomers get 15 thousand rubles credited to their card. Once they are returned, you can ask for an increase in your credit limit. You can get a credit card from the age of 18.

Citizens of the Russian Federation sign the offer if they are legally capable, have filled out a form on the website and have: mobile phone, passport, email, permanent registration. You may need an INN or SNILS number. Quik is issued with an instant decision. In half a minute you will already receive her details on your phone, because... It does not have a plastic carrier.

Pleasant additions to borrowed money are:

• up to 30% cashback on any purchases;
• up to 50 days of medicinal product;
• service without commission;
• no link to an account, which guarantees the security of all financial transactions.

But the unpleasant aspects are: the annual rate is from 29%, the need to repay loan funds 2 times a month, the inability to withdraw cash.

Is it possible to apply for a “120 days without interest” credit card from UBRD via the Internet?

Individuals who are not satisfied with the 100-day grace period, like the Alfa-Bank card, can take out a UBRD credit card. Her LP is 20 days longer, but the limit is less - 300 thousand rubles. But the product brings its owner a small cashback - 1%. The card is valid for no more than 3 years. It can be completed online without visiting the branch. And since December 2017, it has also become possible to deliver plastic throughout Russia. The product has accumulated quite good reviews on the Internet.

If a person, after visiting the bank’s website, no longer wants to choose among other offers, he fills out an application for this credit card with a limit of up to 99,999 rubles, the cost of using it will be 28%, otherwise - 31% per annum. A package of documents is also associated with the requested amount. At a higher limit, you must confirm your income. The interest-free period is relevant for all types of transactions. Spending of funds after LP is subject to a commission - 4% of the total amount.