Finding a good credit card with a grace period can save you thousands of dollars a year. It provides interest-free loan conditions, cashback for purchases in online stores, cash withdrawals without commission, free replenishment and the ability to refinance loans from other banks. Compare interest rates, credit limits and installment options before applying.
The less money you take from the bank, the greater the chance of a credit card approval without checks and income statements in 2022. Getting even the most profitable credit card is a serious step with financial risks, so read the terms of the contract carefully and repay the debt on time. Leave an online application on the website to instantly receive up to 1 million rubles.
For clients with a good credit history, organizations provide additional privileges and credit holidays. Our rating includes the best Russian banks with favorable conditions for obtaining a credit card for travel, cash withdrawals, pensioners and motorists.
The tariff scale of MTS Bank provides for several cards with different conditions and bonuses. A popular option among customers is a universal card with increased cashback for pharmacy products and gas stations for motorists. The program provides for a credit limit of up to 500,000 rubles, which can be used for 111 days without interest (grace period). The bank monthly accrues 4% on the account balance.
In addition to the permanent categories of increased cashback, the bank offers 4 groups of expenses to choose from with a 5% return every month. Among them are cafes, cinemas, sporting goods, cosmetics, appliances, purchases for animals. For those who often use borrowed funds, there is a special offer with zero interest. The program provides for free cash withdrawals for any purpose from ATMs around the world.
You can fill out an application for a credit card on the company’s website; to increase the chances of approval, you should use the State Services service. Clients praise MTS Bank for mobility and quick decision-making without the need to visit the office. The credit institution occupies the 10th line in the 2022 rating.
ATB credit card is one of the most advantageous offers on the financial market. It includes 120 days interest-free period, subject to full repayment of the amount at the end of the term and 10% cashback on purchases. Among the priority categories of expenses, you can choose goods for home and repair, car parts, expenses for entertainment and cafes. A good credit card allows you to participate in bank discount programs and receive free account statements.
The credit limit of the bank account is 500 thousand rubles, the funds can be used for any purpose and withdrawn from any ATM without commission. To apply for a card, you do not need to go to the office and stand in line, the conclusion of the contract takes place remotely through an application on the website. After approval, bank employees prepare a package of documents and send a courier to deliver the card to your home.
For the convenience of managing the card and controlling expenses, the bank offers to install a mobile application on a smartphone. Through the application, it is possible to pay for services without a commission and apply for a loan online. Due to the long interest-free (grace) period and favorable conditions, the ATB card was included in the selection of the best offers from Russian banks.
With an Eastern Bank credit card, holders receive up to 300,000 rubles with a grace period of 90 days (3 months) for all purchases. If you additionally want to receive cashback, then you should issue a Vostorg credit card and receive a refund of up to 40%. This is one of the few cards that charges for issuance, but the annual service is free.
If you are a client of the Eastern Bank, you can additionally issue cards for the whole family with payment systems: Visa, MIR and UnionPay. To obtain a card, persons over 26 years of age need only present a passport. Cashback for nuclear power plants, taxis, food delivery, movies and books reaches 10%. You will receive 5% on the bill for car washes, cafes, bars, housing and communal services and restaurants.
Vostochny Bank allows you to deposit funds without commission to your account in cash through an ATM or through partners (Qiwi, Zolotaya Korona, Rapida). The Installment for Everything credit card takes 28% of all transactions, which is one of the highest fees in 2022, so it only made it to 8th place in the TOP 10 ranking.
Opencard from Otkritie Bank is the best choice for users who want to not only spend, but also increase their money. This is because the credit card offers up to 6% on account balances and refunds on purchases up to 11% (Cashback). You go to restaurants, fill up gasoline at gas stations, travel and buy household appliances, and Opencard returns the money.
While other banks give high interest rates on loans, Otkritie have lowered them to 13.9%. A credit card has two main advantages: it does not charge a fee during the grace period of 120 days and a service fee (for purchases from 5000 rubles / month). Pay in stores with contactless payment using Samsung Pay, Google Pay, Apple Pay on your watch or smartphone.
During the first 7 days from the moment you receive a credit card, you can withdraw up to 100 thousand rubles in cash for free (no commission). Special opportunities for the unemployed, pensioners and students allow you to save even more on loan interest. If these arguments are still not enough to order Opencard, then check out the other participants in the rating.
In Rosbank, you can get a credit card with a grace period, which will allow you to make a long-awaited purchase without savings and interest on the loan. The card can be issued on the company’s website without certificates and collateral. To apply, you just need to enter your passport data and wait for the decision of the bank. After consideration and approval, the company manager will contact you to clarify the data on the delivery of the card, the package of documents and correct the credit history.
The bank’s line includes several cards with a credit limit of 1 to 2 million rubles and a favorable loan rate. The premium card allows accumulating Travel bonuses for travelers, withdrawing cash from all ATMs and free annual service. All Rosbank cards are equipped with an electronic chip for contactless payment, and payments are reliably protected by the 3D-secure system.
To pay the loan and replenish the account, you can use an ATM, a cash desk in a bank branch or a transfer from a third-party card without commission. Clients like to cooperate with Rosbank due to the fast approval of applications, large credit limit and premium service for organizations.
CitiBank offers to issue a credit card with favorable terms for individuals. It will help pay for goods and services with bank funds and partially repay debts in feasible amounts. The tariff scale provides for several products: a basic card, a program with increased bonuses for the purchase of children’s goods, a card with a cashback for all purchases, an agreement with the possibility of accumulating miles when purchasing air tickets.
The bank card is accepted for payment anywhere in the world, it is convenient to use it abroad. Cashless payment will allow you to avoid difficulties with the exchange of cash and withdrawal of commission. The credit limit is 300,000 rubles, and the period of interest-free use has been increased to 120 days. Money is available at any time, no need to apply and wait for approval from the bank.
The bank is loyal to customers and issues cards to unemployed (non-working) citizens from the age of 22. Filling out an application for obtaining will not take much time, just a few minutes to enter passport data for Russian and foreign citizens. All new customers receive a grace period, access to special offers and discounts on purchases in partner online stores.
The main difference between Ural Bank and its competitors is an increased credit limit for businesses, pensioners and students. It is 700 thousand rubles and is available for withdrawal and transfer to a card of another bank without commission. The period of interest-free use is 120 days, and at the end of the grace period, customers pay 17% for the use of funds.
The bank has released several programs suitable for different needs of customers. For those who want to repay a loan in another bank and switch to more favorable terms, there is debt refinancing. The program provides for 8 months of interest-free use of funds, a low annual percentage and increased cashback for purchases. On the company’s website, you can place an application for receipt and choose a convenient time for delivery of documents by courier.
Thanks to a convenient mobile application, customers do not miss a loan payment, the bank notifies them in advance about the monthly installment. For consultation with a specialist, you can call or write to any convenient messenger. Ural Bank is recognized as one of the best for obtaining a credit card according to the reviews of visitors for the lack of certificates, collateral and guarantors.
The Raiffeisen Bank credit card has a grace period of 110 days without interest for online purchases of goods. If you often book hotels or buy flights, you will like the 110 days card. Free annual service for card transactions over 8,000 rubles. per month.
If you need to withdraw cash, this can be done at any ATM throughout Russia for the lowest commission among other rating participants. You will not experience any problems when making purchases from sellers abroad. In a convenient online bank, you can pay utility bills, mobile communications, make quick transfers and monitor financial transactions.
Raiffeisen allows you to deposit funds to your credit card account in cash at the nearest ATM or bank branch. In case of loss of a bank card, it can be blocked remotely through the application on a smartphone. Strictly observe the conditions specified in the contract so as not to overpay extra interest.
There are many advantages to a credit card with a grace period from Alfa-Bank, in addition, the “100 days without interest” card has one of the lowest interest rates (11.99%). To get a credit card with a limit of up to 50,000 rubles, only a passport is enough; to get up to 1 million, you need to provide a certificate of income, 2-personal income tax and SNILS or a driver’s license.
With a credit card with home delivery, you can shop online. If you repay the debt on time without commission, then you will not pay interest to the bank during the grace period of up to 100 days (depending on the card). Pay in the store with contactless payment using Apple Pay and Google Pay services from your smartphone.
The cost of annual maintenance is 1,190 rubles, and you can withdraw cash without interest up to 50,000 rubles. per month. All account transactions, purchase information, utility payments, traffic police fines and online chat with bank employees are performed in the convenient Alfa-Mobile mobile application or Alfa-Click Internet bank.
If you are looking for where to get a credit card with a grace period of 55 days or 120 days, contact Tinkoff Bank. The card offers to earn up to 30% with points that can be exchanged for money. Upon receipt of a card with a maximum limit of 300,000 rubles. the loan rate starts from 12%.
In your personal account or through a mobile bank, you can make purchases on credit and replenish a credit card in cash or transfers without commission at any ATMs in Russia. Submit an application on the Tinkoff website and instantly receive a decision without any inquiries, guarantors or refusal. Free delivery of the card to your home or office will take from 1 to 7 days.
If you pay your bills monthly with a credit card, you will get more pleasant bonuses from Tinkoff Bank. The cost of servicing the card per year is 590 rubles. The commission for cash withdrawal is 2.9% of the amount. Choose a credit card if you want to borrow money quickly and not overpay huge interest.