Comparison of installment cards "Halva" and "Conscience": which is more profitable? Online application for a freedom installment card. Available credit limit.

In 2017, a new offer appeared on the market of banking products and services. Installment cards have caused a stir among financial industry experts. Many eminent publications conducted reviews and checked how profitable such an offer was.

In fact, according to the terms of lending, purchasing various goods and services through a card that has the option of one-time payment for goods is quite convenient. Installment plan as banking product entered the market a long time ago. Many large retailers offered to check out goods immediately at the checkout and pay for them according to a set schedule.

The difference from the “classic” loan was that the interest for using borrowed money No. Typically, interest begins to accrue if the user is overdue for the payment due on the term of use.

TOP 3 popular installment cards that can be issued online

There are many banking products on the market and on the Internet. But there are only three installment cards among them. And although they have the same names, the terms of use differ from bank to bank. The client needs to navigate the offered cards and conditions in order to make profitable purchases and comfortably repay the debt with established payments.

Design online maps Installment plans are offered by 3 banks:

1. Home Credit Bank.
2. QIWI Bank.
3. Sovcombank.

They offer some of the most attractive purchasing conditions. Additionally, each institution offers its clients a large number of partner companies to choose from. Purchasing goods from them allows you to get installments for a more favorable period.

Home Credit Bank installment card

Installment card from the bank Home Credit offers its clients a choice following conditions:

• installment plan for 3 months when purchasing in all stores;
• installments up to 12 months when purchasing goods from bank partners;
• if the debt is not repaid on time, it is established annual rate in the amount of 29.8%;
• inability to withdraw cash;
• free SMS customer service.

With the home installment card credit partners are presented in large numbers. On the bank's official website you can find a complete list of companies, divided into categories. You can purchase products on favorable terms in 20,000 stores.

Conscience QIWI Bank

You can apply for the Conscience installment card quickly and without unnecessary paperwork. To do this, the user must fill out an application on the Bank's website. After this, a bank representative will contact the applicant within a few minutes and clarify all the necessary information.

If the decision is approved, the card will be sent to the client by courier. Once you receive it, you just need to send the code from your phone to activate the installment card and you can start using it.

The following tariff applies to the card:

• for issuing a card and delivering it to the client – ​​0 rubles;
• when reissuing a card at the client’s initiative – 690 rubles;
• service and information via SMS 0 rubles;
• installments from 5 to 300 thousand rubles;
• installment period for purchases from 1 to 12 months;
• replenishment of the card without commission;
• If the installment payment deadline is missed, an annual rate of 10% is charged on the remaining amount.

Additionally, in case of delay, a fine of 290 rubles is charged every month on the next day after the deadline is missed.

Halva Sovcombank

According to the Halva Sovcombank card, the conditions are as follows:

• installment period up to 12 months;
• free card issue and delivery;
• limit up to 350 thousand rubles;
• SMS information is free.

Customers leave mostly positive reviews about the card. Users can additionally add their own funds to the card. Their balance is charged annual interest up to 8.25%.

What is the best installment card in Russia?

You can often come across the question “installment cards, which is better?” Each of the ones described above differs in the loan amount and additional conditions. Best card installment plans in Russia at an interest rate, in case of non-payment of debt in fixed time– this is “Conscience” from QIWI Bank. The user can pay off the loan even after missing the repayment period. Operates according to this system minimum bid. It is no more than 10% per annum.

Compared to the Home Credit installment card, the rate remains at 29.8% per annum. If, in addition to the installment plan, you need a full-fledged card that would allow you to keep your own funds on it and at the same time accrue an income of 8.25 per year on it, the “Halva” card from Sovcombank is perfect.

Installment cards are a relatively new phenomenon in the Russian financial and credit market. Their appearance aroused great interest from people who buy goods on credit (and these are the majority in the Russian Federation), because banks issuing such cards offer, frankly, excellent conditions: interest-free installments (up to 12 and even up to 24 months!) for purchases goods or services – without any overpayments! Moreover, there is no catch in this (no matter how you look for it), but simply a fundamentally new business model. Moreover, at the end of 2016 - beginning of 2017, two full-fledged products (and) were released at once, followed by a new premiere in August 2017 - an installment card from Home Credit Bank, and, finally, in March 2018 from Alfa-Bank, which put our fellow citizens facing a difficult choice: which card to choose, and which one is better? We will answer this question in our article, but now we will talk about what an installment card is, how it differs from a credit card, and dispel doubts about a possible trick on the part of banks.

Installment card. What it is? What is its benefit?

An installment card is a bank card payment card, which allows you to purchase goods in the bank’s partner stores on an interest-free installment plan within the credit limit established for it.

The key word here is partner store. The fact is that banks enter into agreements with retail chains (according to banking terminology, with trade and service enterprises or, in the abbreviated version, with retail outlets). These merchants share with the bank part of their profit from each purchase using an installment card, that is, they pay him a certain commission (its size is not disclosed for obvious reasons - this is a commercial secret).

This is the new business model that we mentioned at the beginning of the article: the bank that issues such cards makes money on commissions from partner stores.

Let’s add here that the bank also receives a small percentage of each operation (transaction) on the card at the point of sale, but this is already an internal “kitchen” payment system(for details), within the framework of which a mechanism for non-cash payment by cards is organized. So, it is beneficial for banks to have as many customers as possible pay by card in partner stores.

The latter also get theirs. Partnership with the bank helps to increase the flow of customers, and therefore sales, which directly affects profits. In the end, everyone wins.

The third party of this business model also benefits - you and I, borrowers, installment card holders.

We receive a card and use it to pay for any goods in the bank’s partner store; all we have to do is find out in advance which merchants are in partnership with credit institution and what period of interest-free installments they provide (this information can be found on the bank’s official website). Then we are only required to pay the monthly amount on time using the methods offered by the bank, and by law you must be provided with at least one payment method without a commission. The total overpayment will be zero!

Please note that in this case we buy the goods at the usual (not inflated) price (we just take the goods and pay by card) and without the additional delays that people face when they want to apply for a trade loan in a retail chain (the so-called POS lending). When applying for a loan at a retail outlet, you can stumble upon many pitfalls, which we talked about (in particular, the article at this link talks about the nuances of a loan under the “0 0 24” scheme and similar schemes).

So, to summarize, what are the benefits of an installment card for a borrower - the absence of overpayment for goods for the entire duration of the installment plan, and the convenience of lending. It must be said that such cards are direct competitors to banks providing POS lending services in retail chains.

Cards issued from April 10, 2017 are serviced free of charge throughout their validity period

Lending terms

Maximum credit limit

Interest rate

from 0% to 10%

Grace period

up to 365 days

Minimum payment

installment amount/number of months

Card service

Issue fee

For free

Annual maintenance

SMS - informing

Validity

Maybe

Owner requirements

Documentation

according to your passport

Loyalty program

Interest-free installments

Cashback (refund)

A long period installments (interest-free lending period), which is valid independently for each purchase; free SMS information; delivery of the card by courier; no hidden and additional services; technology contactless payment

Limited list of partner stores; You cannot withdraw money from an ATM; Difficulty closing the card

More information about tariffs and conditions

Sovcombank Halva installment card

Credit limit max.:

Bet min.:

Grace period:

Annual maintenance:

PROMOTIONS: Welcome cashback 5% on the “Halva” card for all purchases using a smartphone + 20% Cashback on the card for the “Favorite Purchase” promotion and others

Cashback when paying with your own funds + interest on the balance

Lending terms

Maximum credit limit

Interest rate

from 0% to 10%

Grace period

up to 730 days

Minimum payment

ratio of installment amount to number of months

Grace period for cash withdrawals

Delivery options: mail / courier

No / Yes (not available in all cities)

Card service

Issue fee

For free

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM using your own/someone else's credit

not provided/not provided

Using your own funds

Maybe

Owner requirements

from 20 to 75 years

Documentation

according to your passport

Loyalty program

Interest-free installments, cashback

Interest on client balance

Cashback (refund)

1.5% when paying with your own funds

Long installment period (interest-free lending period), which is established by the partner store; free SMS information; free receipt and service; there are many bank branches where you can get a card; no hidden or additional services; contactless payment technology; availability of cashback

Limited list of partner stores where you can pay by card; You cannot withdraw credit money from an ATM; different installment periods for partners

More information about tariffs and conditions

More information about tariffs and conditions

Installment card Freedom Home Credit Bank

Credit limit max.:

Bet min.:

Grace period:

Annual maintenance:

Interest-free installments are available for 3 months in any store in the world (!) and up to 12 months in partner stores. The map is completely free Map overview

Lending terms

Maximum credit limit

Interest rate

from 0% to 29.9%

Grace period

up to 365 days

Minimum payment

installment amount/number of months or 7% (min. 1000 rub.)

Grace period for cash withdrawals

Delivery options: mail / courier

Card service

Issue fee

For free

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM using your own/someone else's credit

not provided/not provided

Using your own funds

Maybe

Owner requirements

All options offered by banks differ as additional conditions lending and credit limit. The “Halva” card, issued by PJSC Sovcombank, has a competitive advantage: you can store your own funds on plastic, making a profit from it (the balance is charged from 7 to 8.25% per annum). When paying with personal funds, you can count on a 1.5% cashback.

Judging by the interest rate that applies in case of late payment, the more advantageous option is considered to be “Conscience” from Qiwi Bank and #instead of money from Alfa Bank. The overpayment percentage will be 10% per annum, whereas for plastic from Home Credit Bank the interest rate is 29.8%.

Popular installment cards

Installment card #instead of money from Alfa Bank

The cost of each purchase is distributed in equal parts over the installment period. The day of the monthly payment corresponds to the day the card is received. The first payment for a purchase cannot be debited earlier than after 30 days

The whole world in installments, with a card #instead of money you can buy in installments in any stores around the world. The installment period for partners is up to 24 months, in other stores - 4 months.

Main characteristics

• rate from 0% to 10%
• credit limit up to 100,000 ₽
• grace period up to 730 days
• issue fee - 0 rub.
• the opportunity to issue an installment card #instead of money online
• The card is accepted everywhere, even abroad!

The undoubted advantage of the #instead of money card is the free issue and maintenance for the first year, as well as the fact that the card is accepted absolutely everywhere, even abroad.
Apply for an installment card now →

Installment card from Home Credit Bank

Main features of cards from Home Credit Bank:

• debt repayment period for purchases in regular stores - 3 months;
• period of interest-free use of money when paying for goods and services in the affiliate network - up to 12 months;
• limit from 10,000 to 300,000 rubles, set individually for each client;
• payment scheme: the cost of all goods paid for within one month is divided into equal parts, which are repaid monthly according to the established schedule;
• allowed to repay the debt early;
• for late payment, the installment plan becomes conventional loan(before full repayment debt) with an interest rate of 29.8% per annum;
• ban on cash withdrawals.

Instant payment using the Halva card of Sovcombank

The interest-free credit limit program applies only to purchases in partner network stores. Conditions for using plastic:

• credit limit - up to 350,000 rubles (renewable credit limit);
• interest-free installments for up to 1 year;
• free issue.

When analyzing the installment cards offered by banks and choosing which ones are better, please note that with the Halva card you can pay for purchases both with your own funds and with borrowed funds. In addition, Sovcombank accrues cashback - 1.5% (but not more than 5,000 rubles per month) for paying for goods with your own funds in the affiliate network.

A little about installment card partner stores

Installment cards differ from credit topics that they are accepted only in partner stores (except for the Home Credit card and #instead of money - they can be used to pay in installments of 3 months everywhere), i.e. banks enter into agreements with enterprises in which the owners of their plastic will be able to make purchases in installments without overpayment. Each partner has its own conditions for the installment period. Each bank has its own network of partner stores, but the main partners are the same. As a rule, these are large chain stores. Local partners can be added in each individual region. Don’t be upset that you can only pay with an installment card from partners. The affiliate network is quite extensive and includes several tens of thousands of stores where you can pay by card. And this network is constantly growing, new partners appear regularly.

conclusions

Having considered the possibilities of using installment cards, we can safely say that this is a new and quite promising way of paying for goods and services. In the near future there will be many offers from different banks. On this moment Four banks offer cards:

1. Home Credit Bank LLC - Home Credit installment card
2. JSC "Qiwi Bank" - Installment card Conscience
3. JSC "Alfa Bank" - Installment card #instead of money
4. PJSC "Sovcombank" - Halva installment card

These cards offer fair installment plans with no hidden fees or charges. The main thing is to avoid late payments and replenish your card account on time.

Hello, dear readers.

As you have probably already noticed, the topic of credit cards is inexhaustible - we can talk about it for a very long time. I have already talked about different profitable options, different free service, issuance, as well as benefits when purchasing from specific sellers (for example, Aliexpress). Well, it’s time to talk about the best “credit cards”, using which you don’t have to pay interest.

What does it mean to not pay interest?

It’s worth making a reservation right away - such “credit cards” that imply 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 the average client: perhaps they are issued for regular customers bank and are addressed to them individually, but I do not consider such products.

What do they mean when they say “free credit card” (meaning 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 - a time during which interest is not accrued. It is quite possible to use them: contrary to 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 view the conditions and decide which card to issue, I have summarized the conditions for all products in one table.

There is no point in commenting on what is better and what is worse. Everyone chooses an acceptable product based on their preferences and capabilities. Depending on the parameter that is most important to 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 to not pay interest? You will understand what it is by ordering a Platinum card from Tinkoff credit systems. After all, the bank offers excellent conditions:

• “no interest” period - 55 days
• minimum payment per month - 6−8% of 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 things 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, card issuance is set up so as to take a minimum of time from clients. Date, meeting place - you indicate all this in the bank’s application, and the courier will adapt to you.

Half an hour of time for documents, photography and activation - and the “plastic” can be used without restrictions!

No. 2. “100 days without %” from Alfa-Bank

Do you want to use your 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:

• duration of the interest-free period - up to 100 days
• minimum monthly payment - 5% of the debt amount (at least 320 rubles)
• loan rate - from 24% per annum
• card issue - free
• maintenance - 990 rubles per year

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

How to get

The procedure for obtaining a credit card is standard. You will need to leave an application on the website (this is done in 10 minutes and requires only one document - a passport), confirm your compliance with the bank's requirements (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 the SMS), you can go to the office (take your passport and one of the documents - SNILS, compulsory medical insurance, license, international 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

What do experienced Alfa-Bank clients who are already taking advantage of this advantageous offer say?

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

Concerning positive aspects offers, then clients, of course, note the long grace period and ease of use of the card: there are ATMs in 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 the accrual of interest, which 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 carefully read the terms of the contract - everything is indicated in them (even if not very clearly).

No. 3. Installment card from Home-Credit

The “youngest” of all the cards in the review is a card from Home Credit Bank. It's time to get to know her in more detail.

With an installment card, you can pay for goods not immediately, but over 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 spreading the payment over 3 months, you will pay 10 thousand rubles. There is no “top” percentage - you pay exactly the same amount as the equipment costs.

The terms of service for an installment card from Home Credit Bank are as follows:

• “no interest” period - 3 months (for any purchases), 4−12 months (with bank partners)
• rate - 29.9% per annum
• SMS - free

The picture is slightly spoiled by the fact that you cannot get cash, but this is not the most significant drawback. Even in small towns, “bank transfer” is often accepted, but in large towns not a single seller works without it.

How to use?

Using an installment card from Home Credit, goods can be purchased directly from the website. The algorithm is simple:

• choose what you want to buy (currently only equipment is available on the site)
• submit an application for installment plan
• waiting for a call from a bank employee
• fill out a loan agreement
• You receive the goods from the courier directly at home or at work.

Naturally, no one canceled regular 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 online.

If you choose the Internet, you will spend much less nerves and time - going to branches (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 receive “plastic”. Having received an unnamed card (and by default, clients are issued unembossed cards - that is, those without a name), immediately order a personalized one. Today, 3-4 days of difference (that’s how long the bank needs to issue a card with the holder’s first and last name) is not worth it to receive a product that is unsuitable for payment on the Internet.

No. 4. “Conscience”

A worthy place among the best cards without interest 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 a markup.

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

As in the case of Home Credit, you will not be able 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 home. With “Conscience” this is 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 at all necessary!

How to get a?

Banks are focusing on the Internet, and Qiwi is no exception.

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

All that remains is to receive and activate the “plastic”. You coordinate the meeting time with the courier via the app 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 top up?

There are six ways to deposit money into your Conscience account without commission:

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

If all the 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 transaction, but your bank may well do this.

No. 5. “Halva”

Another installment card, also beneficial for active users banking services- “Halva” from Sovcombank.

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

The terms of service are as follows:

• limit - 350 thousand rubles (you cannot take out 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 (only with partners)
• interest on the balance - 1.5% per annum (only on your own money)
• Cash withdrawal is free (at Sovcombank ATMs)
• SMS - free
• Card issue, service - free

It is “Halva” among the 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 the Home Credit card.

How to get a?

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

• through the Internet
• through the office.

In the first case, the card will be delivered by a courier, in the second you will have to walk to the branch (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” from one of the largest banks in the country - lower interest rates, Better conditions repayment, positive credit history. Can help in realizing this aspiration credit card from VTB-24 bank.

Let's look at 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 worth 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” completely free of charge: if you take a card for purchases, you will fulfill the requirement minimum amount spending automatically, if not, try sometimes paying 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 stipulate that only those borrowers who are aged 20-68 years and have an official income of at least 20 thousand rubles per month can receive it.

How to get a?

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

No. 7. “Element 120” from Pochta Bank

The next interest-free credit card included in today’s review is “Element 120”, issued by Pochta-Bank.

Despite the fact that the offer arose quite recently, it has already gained popularity among customers. Why did this happen? Of course, the following conditions:

• interest-free period - 120 days (maximum)
• monthly payment - at least 5% of the debt amount (in addition, you need to pay “accrued” 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 the card, banking service will be free)

Today on the banking services market there is no card without interest, the grace period of which would be longer than that of Element 120. Thanks to this, the card is ideal for active shopping lovers: with a product from Pochta-Bank, you can not put off purchasing the item you like for several months, but please yourself today!

Online Buyer Package

What else is interesting about the Post-Bank card 120 days without interest? Especially for those who actively make purchases on the Internet, Pochta-Bank offers to sign up for the “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 registering for 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 costs less in another store, the difference will be compensated for by “plastic”
• no need to pay for repairs - in case of delivery of a defective product, Pochta-Bank will compensate for the costs of its restoration
• free delivery to the seller - if the received product is not suitable, you can send it back and compensate for the delivery cost by paying with an “Element 120” card with the connected package.

How to get

As for registration, you can leave an application directly on the website. The bank will require passport data, employment information and other information. After processing the data, you will receive an SMS indicating 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 bank specialists will issue papers and a card.

No. 8. “Supercard+” from Rosbank

The next banking product that will be discussed in today’s review is “Supercard+” from Rosbank.

The bank offers the following terms of service 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 among customers. Almost all the main points are at least no worse than those of competitors. For example, Rosbank has a very large credit limit: very few are willing to lend holders up to 1 million rubles financial institutions. 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.

The only thing that is a bit confusing is the cost of servicing (1.5 thousand annually, and there are no conditions under which you can get rid of this amount), but it is more than compensated for by cashback - if you use the card regularly, you will not only “recoup” the costs of banking services , but also get a small benefit.

To everyone who has just issued a card, Rosbank offers a very profitable terms on Cashback. For 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 size of the bonus for purchases will decrease to 1% (however, you can continue to receive increased cashback from your “favorite” purchases).

How to get

All that remains is 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 submit an application to the bank for a credit card. This can be done in two ways: online or at a bank branch. In most cases, clients choose the first option: it’s easier, faster, more convenient, and Rosbank doesn’t have many branches.

When submitting an application, you must attach the following documents:

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

In addition, you must meet the following requirements:

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

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

As you can see, the requirements, although they seem complex at first glance, upon detailed examination turn out to be quite acceptable and realistic for compliance. If you want to get a “credit card” and you match the profile 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.

Enough a large number of Bank clients today continue to withdraw cash and pay with it, and in many places non-cash payment not accepted yet.

How to solve this problem? Credit cards without interest on cash withdrawals will help you forget about 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
• card issuance - on the day of application
• Cash withdrawal is free
• the ability to use SMS Bank for remote transactions with the card account

If you take out a “credit card” specifically to withdraw money without interest, then the offer from 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 in your account (by the way, this can be done at ATMs of both Raiffeisen and partners), but also use the bank’s money completely free of charge (if you comply with the grace period) .

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

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

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

The list of requirements is quite extensive, but don’t be afraid - satisfying them is not as difficult 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 highlighted the most important of them in the list 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 withdrawals from OTP-Bank ATMs (maximum 300 thousand rubles per day, 2.5 million per month)

As you can see, the “Platinum” card is not designed for everyone: the very high cost of service is a deterrent. This is partly compensated by the low interest rate: if you regularly use a credit card and spend large sums on purchases, then a rate of 21% (for comparison, in most other banks - about 30%, or even more) can “recapture” the costs of banking service.

“Platinum” is a prime example of a card with interest-free cash withdrawal. Since withdrawal limits are quite high, and the grace period is one of the longest on the market, it is often issued specifically for cashing out funds: paying 7 thousand for service once a year can be much more profitable than constantly paying several hundred for withdrawals of even small ones sums

How to apply

You cannot issue a Platinum card via the Internet: the bank requires a whole package of documents to confirm the possibility of issuing the card.

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

Conclusion and conclusions

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

When choosing a card and specifying the ability not to pay 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, for cards with long interest-free periods, banks make greater demands on borrowers than for other “plastic” cards. credit products. It is worth preparing for this in advance: a certificate of income, registration information, a copy of the employment record - most likely, the bank will request these documents (or copies thereof) for more detailed study.

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

That's all I wanted to tell you about today credit cards no interest. Be sure to ask your questions about the topic of the article in the comments. Experience 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.

Do you want to buy now and pay later over 3-12 months without additional interest and hidden fees? Then you should get an installment card. Many banks offer them. We have collected four for you best offers with free service, no commissions and the opportunity to receive installments for purchases up to 1 year without interest.

The most profitable installment cards in different banks

All four installment cards come with free service and no additional hidden fees. You also won’t have to pay for SMS notifications. They work approximately the same way: you buy an item in a store using a card and then pay it off in equal shares throughout the entire period. If you meet the deadline, you don’t pay anything else. If you fail to meet the deadline, then interest begins to accrue on the balance of the debt from the first delay. Here are the bets different banks are already different. The most profitable one is because you can use it to make purchases in absolutely any stores. #Instead ofMoney from Alfabank is also good, for example, because you can get maximum interest-free installments for up to 2 years, and buy not only from partners, but also in any stores.

Conscience And Halva They are not accepted everywhere - look for a list of partner stores on their websites or look at the signs and stickers at the checkout counters. An installment card from HomeCredit and Alfabank can be used everywhere, but the interest-free period is shorter.

All four cards are issued in literally 1 hour, just come to a bank branch or the nearest Svyaznoy (for Conscience). Let's take a closer look.

#Instead of Money - installment card from Alfabank

• No hidden fees;
• Installment period - 100 days in any stores, up to 2 years with partners;
• Card limit - up to 100,000 rubles;
• The interest rate for overdue payments is 10% per annum.

You can get from Alfabank maximum amount installments - 2 years. No other bank offers such conditions. It, like the Conscience card, has the lowest interest rates on the loan if you did not have time or were able to repay the debt on time. In this case, 10% per annum is charged on the remaining debt.

Buy now, pay later without interest! Can be used instead of money in stores - simple, convenient, affordable.

Principle of operation: you make a purchase, then the entire amount is divided by the number of months of installment plans offered by the bank partner from whom you made the purchase. Your task is to repay the required part of the debt once a month, on the payment date.

Example: if you bought a TV for 24,000 in installments for 6 months, then every month you will need to pay 4,000 rubles.

Payment schedule and exact amounts due every month you can look at personal account or in mobile application. You can pay for free at ATMs of Alfabank or partner banks, as well as from cards of any other banks.

Freedom from Home Credit - for shopping everywhere

• Service and SMS notifications are free;
• No hidden fees;
• Installment period - from 3 to 12 months;
• Card limit - up to 300,000 rubles;
• The interest rate for overdue payments is from 17.9% per annum.

The main advantage of the Home Credit card and its difference from others similar proposals- You can buy it everywhere. Not only in partner stores, which you need to choose on the bank’s website (like Halva and Sovest), but wherever you want.

With the Home Credit card, you can buy in absolutely any stores without restrictions within the limits of the funds allocated for such purchases.

You can get a card using your passport at any bank branch, delivery in 30 minutes - you can apply today. The credit limit is determined individually, the maximum is for bank clients, people with good credit history and white salary.

Disadvantages - installment plans in any stores except partner stores - only for 3 months, high interest rate of 17.9% on the debt if you did not manage to pay on time monthly payment. Our partners have an installment plan of up to 12 months - each store sets it themselves.

Conscience from Qiwi Bank - the lowest interest rate

• Maintenance and card issuance are free;
• Card limit up to 300,000 rubles;
• Installment plan from 1 to 12 months (depending on the store);
• The interest rate in case of overdue payment is 10% per annum;
• Issue - from 18 years of age.

The main advantage of the Conscience card is 10% per annum if you fail to make the required monthly payment on time. You won't have to overpay much. If you have time, everything is free, give back as much as you took. You also won't have to pay for card servicing.

Conscience is the only installment card that can be obtained from just 18 years of age. And it has the lowest interest rate.

The disadvantage is that you can only buy in stores that are partners of the bank. There are more than 17 thousand of them, full list you will find on the official website. But there may not be one where you found the item you need at the lowest price.

Halva from Sovcombank - the largest credit limit

• Issue, maintenance and renewal - free of charge;
• Card limit - up to 350,000 rubles;
• Installment without interest up to 1 year;
• Interest rate for late payment - from 0.1% per day;
• Issued from the age of 20 on a passport.

The main difference from other cards is the increased credit limit up to 350,000 rubles. Plus, Sovcombank issues loans and cards even to clients, although only from the age of 20. To apply, just come with your passport to any bank branch.

The maximum credit limit is 350,000. And you can come for a Halva card even if you have a bad credit history.

Disadvantages: you can only buy from bank partners (as with the Conscience card), but there are already more than 33 thousand of them - there is more choice, but you still may not find what you need. AND high percent, if you did not manage to make your monthly payment on time and a debt has formed - from 0.1% per day (this is more than 35% per annum).

How to use installment cards correctly

And some tips on how to avoid unnecessary expenses and correctly use such cards, allowing you to save your money. The principle of operation is simple - the payment on the card is divided by the number of months of installment plan. Every month you must deposit this amount into the account. If the installment plan is for 3 months, then 1/3 of the purchase, if for a year, then 1/12 and so on. The statement is always available in your personal account.

• Pay on time. The main rule is to pay your monthly payments on time. If you repay the debt on time, no interest will accrue, and you will pay back exactly what you borrowed from the bank.
• If you didn’t have time to pay, pay off your debt faster. If you are in arrears and the bank starts charging interest, try to repay the entire debt as soon as possible ahead of schedule to reduce the overpayment.
• Choose the most profitable store. As with regular purchases, look for where it’s cheaper so you can pay less. We recommend the Home Credit card, since you can use it to buy everywhere, and not just from partners, like Halva and Sovest.
• Read your income. Buy now and pay later is always tempting and makes people buy more than they can afford. Be sure to consider whether you can pay your debt on time without hurting your budget.
• Don't buy too much. As the saying goes, We borrow other people's money for a short time, but we give ours away forever. Remember that you still have to pay, and do you really need the thing you want to buy?

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