The best credit cards with no annual maintenance. Where to get a credit card without an annual service fee, their advantages and disadvantages
We decided to select credit cards that do not require service charges. To this end, our experts analyzed what is happening with credit cards in Russia. The data is current as of August 2017 and may change slightly in the future.
In the list below, we have reflected the list of banks in the Russian Federation that provide free cards. But it is important to understand that financial and credit organizations give the right to use the card without a fee only in cases where you make purchases with a credit card for a certain minimum amount.
There are still cases when banks give only the first year of service. Starting from the 2nd year, they take full cost for the content. So be careful. We have tried to describe as much as possible all the cards that are fully or partially free of charge.
Banks with free credit cards in 2017: can be issued online via the Internet
1. Touch Bank card: free service or 250 rubles per month
Key features:
- The sum of the maximum credit limit– up to 1 million rubles
- Grace period without interest – 61 days
- Money back (cashback) – up to 3%
- Cash withdrawal - free of charge, replenishment - free of charge
- Service cost - 0 rubles, for purchases from 30,000 rubles. per month.
- In other cases, the service fee is 250 rubles. per month
The Touch Bank card is serviced free of charge under one of two conditions:
- You must make purchases per month from 30,000 rubles.
- The balance on a credit card should not fall below 50,000 rubles per month.
If you do not meet any of these conditions, your fee will be 250 rubles per month. In total, you will pay 3,000 rubles for annual maintenance. Quite a high fee, but the bank provides very loyal ways to get rid of the monthly fee.
2. Card "Conscience" from QIWI Bank: 5 years of free service
Key features:
- The amount of the maximum credit limit is up to 300,000 rubles
- Issuing a card - online via the Internet
- Cash withdrawal is not possible, replenishment is free
- Card validity period – 5 years
Installment cards are a new trend in the lending market. And banks are gradually starting to introduce them into their range of products for individuals. The “Conscience” card offered by QIWI bank has enormous advantages. But we are primarily interested in the annual service, which is completely free. In addition, this card can be obtained without proof of income.
You use a credit card, make purchases, and do not pay for the service at all. After the expiration of the five-year validity period of the card - draw up a new one.
Are there any tricks? The question is correct. We answer - no! The bank receives income in the form of a commission from stores where you will make purchases with the Conscience card. Everyone is happy.
3. Card "Halva" from Sovcombank: 0 rubles for 5 years
Key features:
- Grace period without interest – 365 days
- Issuing a card - online via the Internet
- Refund (cashback) - none
- Cash withdrawal - free of charge within the amount over the limit, replenishment - free of charge
- Service cost - 0 rub always
- Card validity period – 5 years
- Interest rate for installments – 0% always
"Halva" is almost the same as "Conscience". Only this credit card has a little more amount the limit within which you can purchase things in installments.
Both cards are very popular among citizens of the Russian Federation. They are leaders in the “installment cards” segment and you do not need to have a positive credit history to apply for them.
4. Card from VTB: free of charge or 249 rubles per month
Key features:
- The amount of the maximum credit limit is up to 350,000 rubles
- Grace period without interest – 50 days
- Issuing a card - online via the Internet
- Refund (cashback) - 5%
- Maintenance cost - first year 0 rub.
This financial and credit organization gives all new customers the right to use a credit card for the first year completely free of charge. Starting from the second year, you also have the option of not paying an annual fee. To do this, it is necessary that the annual turnover on the card is not less than 120,000 rubles. Otherwise, you will have to pay the full cost of the service. And this is 2,988 rubles every year (or 249 rubles per month).
5. Card from Renaissance Credit Bank: free of charge or 900 rubles per year
credit card without annual service is special kind banking offer, when using which the client is not charged any monetary deductions in favor of the financial institution that issued means of payment. Almost anyone can design such a product, and this service is provided completely free of charge.
Main advantages:
- long grace periods for the use of borrowed funds;
- convenience of settlement operations;
- absolutely free service;
- high limits of available funds;
- maximum loyalty of the financial institution to the holder.
How to choose the best credit card option
Moscow is among the megacities with the maximum presence banking institutions, so it will not be difficult to issue credit cards with free service here. Our service provides a monitoring service for all available options similar loan from dozens of reliable financial institutions. Using the search tool, you can easily select and order a plastic payment instrument online, the annual maintenance fee for which is not charged. Our database has the most relevant lending offers in Moscow and will be able to select best option banking product for any needs.
Credit cards become more and more popular among bank customers. This is not surprising: a credit card simplifies both cash and non-cash payments for goods and services. Banks in the struggle for new and retaining old customers are trying to offer more and more interesting conditions and tempt potential holders with ease of registration.
One such interesting offer by issuers is the absence of an annual maintenance fee. Due to this, customers expect to minimize their costs associated with the use of credit funds.
Service details
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One of the main advantages of credit cards is the interest-free period. Its presence makes it possible to use borrowed funds for a certain period of time for free. This service is provided by almost all banks. Therefore, when choosing an issuer, the client compares the interest rate outside the interest-free period, the presence and size of additional commissions.
The absence of a service fee allows you to save money and often customers make a choice in favor of such cards. At the same time, before signing the contract, you should carefully study the tariffs. There are cases when banks offer such a service to attract new customers and the service fee is not charged only for the first year of using the card.
You should also pay attention to other additional fees: the absence of a service fee may hide higher fees for cashing out, for conversion, and much more.
Peculiarities
Credit cards without annual payment have their own characteristics. Of course, this is a good way to save money and not pay extra money to the bank, but you need to understand all the pros and cons of such an offer from the bank.
A credit card with no annual maintenance may have a minimum number of additional services. That is, this is a card for getting acquainted with the bank. After the expiration of its validity period, a client who has established himself as a responsible borrower will be offered a credit card with a more extensive list of services, but also with payment for them.
| Privileges | Banks are more likely to provide benefits for servicing credit cards to new customers. It may be a kind of advertising company of the bank. At the same time, cards with a large number of other benefits and benefits usually have a certain service fee. |
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Registration
To apply for a card, you need to contact the bank with the necessary package of documents. Before heading to the branch, it is worthwhile to study the requirements of individual issuers in advance. Today, many banks provide the opportunity to apply for a card through the Internet. This will save time.
In some banks, only a passport is enough to open a card, but most likely the limit will be small. To receive the maximum loan amount, the client must provide documents confirming his financial and property condition. One of the main criteria when making a decision by the bank is the presence of a positive credit history.
If a person has a salary card of any bank, it is worth starting the search for a credit card issuer from him. For holders salary cards many banks provide benefits: this applies not only to free service, but also lower interest rate outside grace period.
Where to go
Getting a credit card without an annual service in Moscow and other cities of Russia is not difficult; many banks offer them. Only the terms and conditions differ.
| Bank | Interest rate | Grace period duration | Maximum limit, rubles | Conditions for no annual service fee |
| From 25,9% | Before 50 days | 600 thousand | If there is a personal offer from the bank | |
| From 24,9% | Before 55 days | 300 thousand | First year of the card | |
| From 28% | Before 50 days | 450 thousand | With total spending on the card more than 20000 rubles per month | |
| From 23,9% | Before 55 days | 250 thousand | First year of the card | |
| From 29,9% | Before 145 days | 600 thousand | First year of the card |
Cash handling
When choosing a specific offer from a bank, you should pay attention to the terms of withdrawal Money and options for replenishing a card account. The free annual service may hide a limitation on cash transactions (withdrawal limits) or a large percentage cash withdrawal fees. If the client needs cash, then such a commission eliminates all the benefits of free service.
In addition, it is necessary to study ways to replenish a credit card. If the bank has a limited number of cash desks or self-service terminals, then the client will have to pay an additional fee for replenishing cards in other organizations.
Before making the final choice of a credit card, you should carefully study all the pros and cons of individual offers.
Credit card terms without annual maintenance
For one reason or another, almost everyone tries to find a benefit for themselves. Many try not to overpay for Banking services and look for options with free service. In this case, the material of the article will tell you what are bank cards no service charge.
Emission
A credit and debit bank card with no service charge can be issued by a local, international or co-branded payment system. In the first case, the emission and maintenance of plastics are carried out within the same country.
For example, in Russia payment system « gold Crown» in 1999, it began issuing cards of the same name, which customers could use to pay for the system's services. Over the years, the functionality of plastic has expanded significantly.
Today they are used as a regular payment instrument: customers replenish their account to pay for utilities, preferential goods and medicines.
Sberbank began issuing bank cards without service fees in the early 2000s. The microprocessor card is serviced only through ATMs of the issuing bank. It cannot be used to pay online.
Bank of America issues ATM cards to new customers, which are valid until the main payment instrument is activated. With their help, customers have access to the account immediately after opening it.
Read also:Cards without service charge
Few banks are willing to provide customers with plastic cards without an annual service fee. But there are still such, albeit with their own requirements, tariffs and nuances.
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Other types of cards
Co-branded free cards differ from the usual ones by the presence of a second label. Most often, this is a credit payment instrument, which is issued by the bank together with the airline. Its holders receive certain bonuses, cash back for paying for services.
There are also virtual cards, which do not have a physical medium. They are used exclusively to pay for goods via the Internet in order to save funds on the main account. Even if the account details fall into the hands of fraudsters, they will not be able to write off an amount greater than the balance on the additional account.
Virtual cards
iBank customers can order a debit Visa card Virtual and use it for free. Deposit and withdrawal operations are not paid. Transactions can be carried out not only in terminals, but also online, and receive an additional 4.5% cashback.
In order to increase the security of the account, special SMS commands are provided, with which you can set limits and confirm transactions.
Banks issuing debit cards without service fees are trying to attract the attention of potential customers. Many, tempted by the free prospect of registration, do not recognize the whole picture. Sometimes this leads to bad consequences. To prevent this from happening:
- Be sure to study each potentially considered bank card with free service on the official website of the bank. Pay attention to commissions, technical overdraft penalties, free maintenance or plastic release conditions.
- For those who are going to keep on account decent sums, you should pay attention to the presence of additional security measures: chip, 3D Secure.
- The reputation and reliability of the bank providing services is important. Consider the number of ATMs, terminals provided by the financial institution, as well as the quality of their work.
- Equally important is the modernity of the bank. Pay attention to what services the bank offers for remote work, how convenient they are and what the fee is for using them.
Other offers
Today become up-to-date maps, which are issued specifically for purchases of goods in installments. The most profitable product on the market is the Conscience card, for which Qiwi Bank offers a grace period of 12 months. Its holders can pay for goods in installments for maximum amount at 300 thousand rubles.
The Kviki virtual credit card is intended exclusively for online purchases. It is issued instantly and is valid for 3 months. During this period, the client can buy goods on credit for total amount 200 thousand rubles and get 20% cashback. You can use the money for free only for the first 14 days.
Grace period
In fact, you can issue bank cards without a service fee in any financial institution. For all credit cards today, banks offer a grace period during which a commission of 0.01% is charged.
Most often, this condition applies only to non-cash payment for goods, since you have to pay an additional 5-6% commission for transferring funds to another account and withdrawing funds from ATMs. If the client repays the debt on time, he will get access to a revolving line of credit.
To use it, you will not need to provide additional information. So it is not necessary to issue Sberbank cards, the types and cost of servicing of which were discussed earlier, in order to use credit cards on preferential terms.
If the debt is not repaid in full before the end of the grace period, then a commission of 55% or more will be charged on its balance. According to statistics, only 20% of credit card holders fit into the grace period.
Many potential and existing customers are interested in whether Sberbank cards exist without a service fee. The bank's offers for plastic cards are quite diverse. The presence or absence of an annual payment depends on various factors. Let us consider in more detail which cards can be issued and used for free in this bank.
Sberbank plastic cards
Sberbank - large financial institution with many branches in different regions of the Russian Federation and abroad. He enjoys the well-deserved trust of customers, offers them a variety of banking products, quite profitable terms their use.
Therefore, any issue related to the activities of this bank will be interesting and relevant for both existing and potential customers. Are Sberbank cards issued without annual service? Yes, such offers exist. Learn more about which cards to choose to save on payments.
Card maintenance fee
Holders plastic cards it is always important to know what costs are coming when using bank cards. Regular expenses include the following types payment:
- for annual maintenance: the higher the status of plastic, the more expensive it is for its owner. But at the same time, there are options in which even status cards of the GOLD and Premium categories can be serviced free of charge;
- for various services: each bank sets a subscription fee for services such as SMS informing, Mobile and Internet banking, etc. There are cards for which some services are provided without a monthly fee;
- transactions: most banks provide commission-free withdrawals from their own ATMs within the daily limit. Transactions using third party ATMs and any credit card withdrawals are subject to a fee.
- transfers: for credit cards, this possibility is often not provided, it is possible to transfer money from debit cards. No commission usually this service provide between cards of the same bank, in other cases, a commission is usually charged.
These are the main costs that plastic owners face. Consider which Sberbank cards without annual maintenance can be issued.
What determines the annual fee
Typically, the amount of annual payment for the use of plastic depends on the following factors:
Sberbank cards without service fees are issued in different versions. We will learn about all the bank's offers on cards without paying for their use.
It should be noted that the bank does not charge a fee for the issue. An exception - individual design plastic, which is ordered by the future owner.
Free Offers
If a client needs a Sberbank card without an annual service, then he can use one of the current this moment suggestions:
- Debit: in this category you can issue pension MIR or Instant Visa.
- Salary: cards different categories for salary projects can be issued in rubles, dollars or euros. In this case, there is usually no fee for use, unless the terms of the payroll service agreement provide for another option;
- Credit Cards: Gold Visa and MasterCard and instant issue cards are free of charge. As part of special offer the following credit cards can be issued: Classic and cards of different categories with a charitable element Give life.
- As part of the Sberbank Premier service package: its connection makes it possible to receive up to 5 types of plastic without a fee for use. The cost of the service package itself is 2.5 thousand rubles. monthly. But for customers who have bank accounts and deposits (money on the card account is also taken into account) for a total amount of at least 2.5 million rubles, this package of services is provided free of charge.
Conclusion
This complete list Sberbank cards without service charge. Potential and current customers can choose which plastic suits them best and apply to the inpatient department or online for their release.
