Credit cards with a grace period. Sberbank credit cards with a grace period for lending

Such free offers are usually limited by their own time frame in each bank.

Advantageous credit cards with a grace period for cash withdrawals

Most popular banks

Nowadays, few people issue cards without a grace period. In some cases it can even be 100 days or 200 days. Before choosing a suitable offer, you should evaluate the rating of the most popular banks (review for 2017):

1. Sberbank. 50 days grace period, difficult to get without certificates.
2. VTB 24. After active use, cards can be issued with an extended grace period.
3. Tinkoff. Quite a large list of thematic loan products (with bonuses for payments in certain companies or stores).

How to choose a card

To choose the most favorable conditions, clients usually first of all focus on the reviews of other people, but at the same time, the best card for everyone may be different, because priority indicators are different:

• cash withdrawal with minimal commission;
• the opportunity to receive cashback (usually these are thematic cards, when the refund occurs when paying for tourist trips or purchasing things via the Internet);
• with a maximum credit limit. That is why, first, you should compare proposals precisely according to those parameters that in this case will be the main ones.

Apply for a credit card online with a grace period

At the moment, almost all banks provide the opportunity to issue a card online. You just need to fill out the application correctly and then discuss all the details with the bank.

Design algorithm

To apply for a card online with a long grace period you must:

• get acquainted with all current offers, selecting according to the parameters of interest;
• fill out an application;
• wait for a response (on average about 20 minutes);
• agree on the time and method of receiving the card.

Required documents

To receive a card, you only need to provide your passport and code. But if you need to get a loan with the highest limit, you still need to provide the bank with a certificate (or the bank itself increases the limit over time for the most reliable clients). This occurs at the discretion of the bank, and not at the request of the client himself.

Credit cards with a grace period for cash withdrawals are a unique opportunity to use bank funds for free in cash. Despite the widespread adoption of card payments, there are still many stores and places that only accept cash. With the help of such plastic, the borrower will never become a hostage to a situation in which it is necessary to pay for all services and goods only by card. You can make sure of the convenience of this solution and apply for a credit card with a grace period for cash withdrawals through our project. To do this, you need to fill out a short online application for the selected card and wait for a call from a bank employee who will inform you of the decision.

Alfabank credit card with 100 day grace period

Credit card from VTB Bank of Moscow

3 most popular credit cards with a grace period for cash withdrawals

The table describes the service conditions of some of the most popular credit cards in this category.

Comparing all 3 products, you can immediately exclude the VTB Bank of Moscow card from the list of the best. Yes, it has a good credit limit, a low interest rate and there is cashback, but it charges a high commission for cashing out the credit limit, and maintenance costs 3,000 rubles per year. This is quite expensive for a credit card with similar terms.

Among the contenders for 1st place were cards from OTP and Alfa-Bank. The “Understandable Card” benefits from free service, no commission for withdrawing the credit limit at ATMs, and a high credit limit.

The Alfa-Bank card looks preferable in such aspects as the interest rate and grace period. It is almost 2 times greater than that of OTP. These are serious advantages, but the cost of annual maintenance of 1,490 rubles negates them.

It will be more profitable for the borrower to issue a credit card with a grace period for cash withdrawals from OTP Bank.

If you are planning to sign up for a credit card with a grace period for cash withdrawals, do not forget to look at other service parameters. Sometimes they play a bigger role. When choosing a card, pay attention and compare the following indicators:

• Cash withdrawal fee. For example, it is foolish to sign up for credit cards with a grace period for withdrawals if they have a high cash withdrawal fee. If you choose plastic with this parameter, then you need to give preference to cards that do not charge a fee at all for withdrawing cash from ATMs. This will be the best option.
• Maintenance cost. The lower the price for servicing the card, the more profitable it will be for the client to use it.
• Interest rate. If the borrower does not meet the terms of the grace period, the bank will charge an interest rate on the balance of the debt. The lower it is, the better for the client.
• Credit limit. You need to pay attention to the minimum limit amount. Sometimes the conditions of banks are such that the minimum limit starts from 30-50 thousand rubles. For borrowers from the periphery with a salary of 12-15 thousand rubles. such cards will be irrelevant. The bank may refuse to provide even the minimum limit.

Popular borrower questions and answers

Answer: If you look at the cards indicated in the table, Alfa-Bank and OTP Bank plastic are issued the fastest. The cards will not have a name, so they will be issued on the day the application is approved. The client can immediately order personalized plastic, and while waiting, use instant release plastic. When the personalized credit card is ready, the borrower will need to exchange it for an instant card at the branch.

Is it possible to get a credit card with a grace period for cash withdrawals without refusal?

Answer: There is no concept of “no refusal” in credit institutions. The bank can accept a negative verdict even on an application for issuing a debit card, not to mention a credit card. Loyal banks will have a higher chance of a positive decision: OTP, Renaissance Credit, Tinkoff and others.

Is it possible to get a credit card with a grace period for cash withdrawals without work?

Answer: No, the borrower must be employed. Some banks require the borrower to have official employment, while for others it is enough that the client receives a stable unofficial income. In the questionnaire of some banks you can select the type of employment: “Freelance” or “Part-time work”, etc. It is better for a temporarily unemployed client to contact such organizations.

On our website we pay a lot of attention to banking products. First of all, debit and credit cards, talking about the benefits that they can bring to the end user in terms of economical and reasonable use of personal and family budgets. In this article, we decided to touch on another advantageous feature of payment cards, namely credit cards. The main advantage of any credit card is interest-free period (popularly it is also often called the “grace period”). To put it simply, this is a period of time during which you can use bank funds absolutely free of charge! And in some cases, even withdraw cash from ATMs without commission and also not pay anything extra for it within the grace period.

This unique feature of credit cards gives us additional benefits, but few take advantage of this potential. And very few people do this as efficiently as possible. In this article we will share with you the secrets of credit cards and tell you everything in as much detail as possible.

As stated earlier, one of the key benefits of a credit card is interest-free period, that is, the time when you can use the bank’s funds absolutely free of charge for yourself. This option has made such payment cards very popular not only in Russia, but throughout the world, because the end buyer has additional options for making a purchase. Moreover, this can be done “here and now” and win in price, for example, if you take something at a “hot price” during sales at retail outlets or when money is needed for urgent needs of a different nature, but there is nowhere to borrow for a short period of time, yes and expensive ( It’s not good to walk around your friends and humiliate yourself, right?).

A credit card perfectly solves this problem, and in your favor, because if you make a purchase within grace period, then you will pay the bank whole 0%, that is 0 rubles! That is, for you such a short-term loan will be completely free. You, in essence, own the bank’s money as if it were your own, but with the proviso that you will make required payments on time and repay the debt before the end of the grace period. Which bank should I look for a long grace period? Now we’ll help you find the answer :)

This is how it works long grace period using the example of an interest-free loan of 110 days. The image is clickable!

It should also be noted that the grace period for a credit card begins from the moment of the first transaction on the card. And he always renewable: that is, you have repaid the debt within the interest-free period and you can borrow money again, and again it will be free for you! There are no restrictions, the main thing is to make payments on time (usually at least 5% from the purchase amount in each month of the grace period and full amount at the end grace period)!

Not all banks are ready to lend for a long period and even for free. In most cases we are dealing with a grace period of everything 50 or 55 days. About a month and a half! You can't really run away. Banks understand this, so they are taking marketing steps ( as a rule, if the interest-free period is short, then you will have). But cashback is not always needed by the client, so some banks really went in the direction large grace period. And this experience turned out to be successful.

Currently, in 2019, cards from three banks are the most popular in Russia: “ Alfa Bank» (), « Raiffeisen" () And " Ural Bank for Reconstruction and Development» (+ 1% cashback on everything). Each has its own conditions and characteristics. Let's look at them in more detail in our article.

Credit card for cash withdrawal

Typically, the grace period only applies for purchases with a card However, in part, there are exceptions to this rule ( for example, Alfabank allows you to withdraw cash from your credit card in any ATM of the world no commission and within the interest-free period ). And such a profitable tool of 2019 was in our review! 🙂

Card with a long interest-free (grace) period: benefits

There are several ways, they differ depending on what opportunities a credit card can provide you with during a large interest-free (grace) period. If the card allows you to withdraw cash from ATMs without interest and within the grace period (as with the Alfabank card), then it is advisable to transfer funds from it to any short-term deposit in a bank with a monthly capitalization payment.

Interest-free cash withdrawal from Alfa Bank card - 100 days

The most universal option, in our opinion, is the option “ interest on balance» by debit cards. You just need to choose a card that pays a good interest rate every month.

We chose for ourselves a debit card from Home Credit Bank - “ “, since this bank charges one of the highest interest rates on the balance on the market 7% per annum, interest is calculated daily, and are paid in total monthly. You can easily withdraw money from the card atanymoment without loss of interest rate and at any ATM, by the way, while the card itselffree. And for purchases using it you can get a good cashbackup to 3% in cash. And the bank itself is reliable (is a subsidiary of the reliable Czech bank Home Credit).

You can also check out our detailed . You can get a card. The card gives 6% per annum on the account balance.

The second option is the ““ debit card, on which users are charged interest on the balance at 6% per annum. This interest is charged on any balance amount up to 300,000 rubles.

Interest is paid once a month, interest is calculated for each day of the account balance, summed up for all days of the month and paid on the day the card is issued.

To receive interest on your balance, you need to make purchases totaling at least 3,000 rubles per month. To make the card free, you need to keep at least 30,000 rubles in your account at all times. Withdrawing cash from any ATM in the world is free from 3,000 rubles. There are a lot of card refill points.

Free debit card " Home Credit - Benefits": receive 7% per annum for the remaining funds and cashback 3% in popular categories: gas stations, travel, cafes, restaurants, fast food. We also have it on our website.

At the moment (winter 2019) the combinations are: Alfabank credit card - “ ” + debit card “ ” or are perfect a combination that gives you only one continuous benefit when shopping or simply storing funds! After all, using bank funds withdrawn from an ATM for free within 100 days, You are getting one of the best interest rates on your balance + good cashback for purchases with a debit card.

We use cash for free with a credit card

You simply withdraw money from your credit card “100 days without interest” (every calendar month), deposit them on a Home Credit or Tinkoff Black debit card (you can even use both cards), and receive benefits during the interest-free (grace) period. And at the moment when you need to pay off the debt at Alfa Bank, you simply withdraw the necessary funds from the debit card and pay it off (including the minimum monthly payments). Then, when the interest-free period resumes, you do the same scheme again, because the grace period renewable, which means that you can repeat unlimited number of times such a scheme :)

Example: for one cycle 100 days of grace period with monthly making 50,000 rubles cash from a card “100 days without%” to a card, for example, “Tinkoff Black” with 10% per annum we have a total return 2507 rubles for 100 days through capitalization and constant monthly contributions.

Active use of cards "Benefit" or "Tinkoff Black"(that is, adding your own to the credit funds, using both debit cards at once, transferring your monthly salary, as well as making purchases with cashback within your free funds) significantly increases efficiency b from using the scheme at times.

Moreover, if you set a goal, then profitability can be scaled - issue cards for several family members and increase your total profitability under this scheme several times.

Design free debit card " Benefit"You can, but a credit card" 100 days without interest" - . A bank debit card Tinkoff" - . Thus, the cost of the credit card pays off within the first 100 days! Both debit cards (Tinkoff Black) and “Polza” have a free service option.

How to extend the interest-free period to 220 days or even more?

It should also be noted that since 2018 on the Alfa Bank card - " " an option has appeared - balance transfer. This option provides for free repayment of current debt on a credit card from another bank. Limit per transfer up to 800,000 rubles. In a year you can repay this way up to 3 credit cards other banks. Essentially, this is a free refinancing of a loan with another bank. At the same time, as always in refinancing, you should not have late payments on a credit card from another bank.

This scheme, in essence, provides a credit holiday, because you don’t have to pay interest on your other bank’s credit card (with an interest-free period) + you get a long interest-free period from Alfa Bank. Good savings come out if you follow the conditions.

Credit card: requirements for a borrower in 2019

The key to a favorable interest rate and approval of a credit card is, in principle, a number of parameters that it is advisable to comply with before applying for such a bank card. Currently, the most typical requirements of banks are:

An important point about financial self-defense: When applying for credit cards, make sure that you do not include any insurance! Bank managers like to offer something like this and slip it in for a signature (this is understandable, this is their bonus), but don’t be fooled! Be sure to carefully review the terms of the contract. 🙂

Alfa Bank credit card - “100 days without interest”

This is a long-lasting card. Alfabank was one of the first to launch a card product that offers such a long grace period that reaches 100 days. Consider that for more than 3 months you can use the bank’s funds at your discretion, making only deposits every month within the interest-free period no more than 5% (but not less than 320 rubles) from the amount of purchases made in the bank statement.

Credit limit renewable: After the current debt is fully repaid, you can again make purchases for a new grace period of 100 days. You can study in more detail how this credit card works in an informative video from Alfa Bank itself. We have added this video to the article for your convenience.

The card has a unique property - it allows you to withdraw 50,000 rubles every calendar month within your credit limit!

That is, in fact in 3 months within the grace period you can for free cash out up to 200,000 rubles! If you correctly distribute withdrawals within a calendar month.

Transfer money, for example, to a current account in a bank, to a card that accrues interest on the balance, or to a short-term deposit and receive income from monthly payments on it. And all this just because you use a credit card! 🙂

At the same time, the bank pays for this will not take commission! Even the ATM doesn’t matter: Alfabank will not charge a commission when withdrawing funds from any ATM in the world! In this case, withdrawal of funds is included in interest-free, that is preferential period of card transactions! Separately, we would like to note that the limit of 50,000 rubles is the same for all credit limits on this card (naturally, for those that are not lower than 50,000 rubles 🙂), that is, whether you have, for example, a credit limit of 60,000 rubles or all 300,000 !

This is a unique property of the card!
Competitors cannot yet offer Alfa Bank anything like this in return. It is for this property that we love this card so much, and even though it has the shortest and longest interest-free period, other credit cards can’t do that! 🙂

In addition, the card 100 days without interest" supports the option " balance transfer", that is, she can close your credit card debt at another bank for free, refinance it.

How can you use the bundle to your advantage? debit card "Polza" + credit card "Alfa Bank - 100 days without interest".

Conditions for the Alfa Bank card - 100 days without interest (2019)

Currently, the bank issues Mastercard or Visa cards (your choice). You can also select the category of your card (Classic, Gold, Platinum). As a result, you will receive a personalized card, with a chip and the possibility of contactless payment (paypass / paywawe, there is also support for the newfangled Android Pay, Apple Pay and Samsung Pay).

• interest-free grace period 100 days- on All purchases + cash withdrawal at ATMs: cash withdrawal fee ( 0% ), that is absent(but not more than 50,000 rubles per calendar month); within one grace period you can receive up to 150,000 rubles without commission.
  You can also withdraw more than 50,000 rubles per month, this operation will also be within the grace period(you will only pay a 3.9% commission on the excess amount).
• release free, maintenance cost (per year) 1190 rubles according to Classic (for bank clients) and 1490 for everyone else - the cost of service can easily be recouped in the first hundred days, 2990 rubles according to Gold and 5490 rubles according to Platinum;
• replenishment from other cards, as well as Internet banking and mobile banking "Alfa Mobile Light" free;
• SMS notification is paid: 59 rubles per month (but you can always turn it off and use a mobile application or online banking, Android Pay, Samsung Pay, Apple Pay payments);
• the opportunity to open accounts in dollars and euros for free (they can also be replenished using international details), a favorable exchange rate within the Alfa Click Internet bank;
• No need connect service packages;
• credit limit up to 300,000 rubles (according to Classic), up to 500,000 rubles(GOLD) and up to 1,000,000 rubles(according to Platinum);
• interest rate from 23.99%
  
• support for the option " balance transfer" (Can for free refinance debt on a credit card from another bank); no more than 3 times a year, the maximum limit for such a transfer on one card is 800,000 rubles.
• To receive a card you need a Russian passport + any additional document of your choice
  
• You can
  (no more than 10 minutes), during the day the bank will inform you about its preliminary decision and tell you when you can pick up the card and provide the necessary documents at the bank branch. Filling out the application form online significantly saves time, as it eliminates the need to once again knock on the doorsteps of the bank :) The preliminary decision will be known within 2 minutes from the moment of submitting the application.

Free UBRD credit card: 120 days without interest and with cashback

This card is clearly out of the paradigm that modern banks in Russia are trying to offer us, namely the choice: either a long interest-free period or cashback. But then the Ural Bank for Reconstruction and Development appeared, which erased this unspoken rule from everyday life, offering two fat pluses on its credit card at once - a very big one interest-free period, which reaches 120 days+ also cashback for all purchases 1%, including such rare categories in terms of cashback as housing and communal services, payment for mobile communications, taxes, fines, penalties and insurance!

For a minute, 120 days- This longest grace period, at the moment, which provide credit cards on an ongoing basis! In addition, the bank now issues a card with free release and the possibility of free service. All the details are below.

Whole 120 days without interest and with cashback! The longest grace period on the market!

The bank is represented in large regions of the country, and not just in the Urals, so do not think that this is a purely regional bank ( Check the possibility of obtaining a card in your region in the form for obtaining a card on the official website)! And, I must say, it enjoys popular popularity! And this is understandable, because not everyone can offer such tasty conditions on their credit card. And cashback, and a long grace period and even free service.

The interest-free (grace period) allows you to make purchases without interest accruing for 120 days ( the only thing you need to do is remember to pay at least 4% of the debt amount every month). As for cashback, here it is paid in rubles (you don’t need to think about points, as well as how to convert them and where), which is convenient!

Per purchase in any category you will receive cashback from the bank 1% of any amount, there are no maximum limits (the card is ideal for large purchases, especially given the longest interest-free period on the market), cashback is paid once a month in rubles: from the 15th to the 20th of the current month for the previous one. You will receive cashback even for paying for housing and communal services, mobile communications, fines, penalties, taxes and insurance! Cashback in such categories is very rare! Moreover, on a credit card “120 days without interest” there are no limits for cashback (even if you can spend your entire credit limit - and here it reaches 300,000 rubles - you will still receive your cashback in full :)).

CONDITIONS FOR THE UBRIR CARD - “120 days + cashback”

Currently, the bank issues instant Visa cards. The card has a chip, the ability to pay for purchases online (3D Secure), you can also connect cards to Samsung Pay, Andoid Pay and Apple Pay.

Now, as part of the promotion, the bank has 2 cards at once: along with the “120 days without interest” credit card, you receive a “Maximum” debit card with cashback up to 10% in categories with increased cashback and interest on balance 7% per annum. At the same time, their “Maximum” debit card will be serviced for free(saving 1440 rubles per year). You can store your money with a debit card, earning interest on the balance 7% annual of your funds and use bank credit funds on a credit card for 120 days within a long interest-free period! There is a double benefit. Your money works while you spend the bank's money. With this option, it is very easy to organize such a profitable scheme.

• pharmacies (5912, 5122); cosmetics (5977); sporting goods (5941).

And from May 1, 2019 to July 31, 2019 we will receive 10% for:gas station; Railway and bus tickets; goods for the garden and cottage.

Other popular categories throughout the year include: household appliances, catering, clothing stores, and cell phone stores.

Essentially you get 2 cards for the price of one! And they complement each other perfectly. It is only important to be in time while the promotion is still valid.

For all other purchases, cashback, as with the “120 days without%” card - 1% from the purchase amount. Pays out the same as live money. For the balance of this debit you can receive up to 7% per annum. It is easy to replenish the card and withdraw cash from it at any ATMs of Alfa Bank, AK Bars and the UBRIR bank itself.

The “Maximum” debit card is still for free issued as part of a promotion with a credit card " 120 days without interest“, but this offer may end at any time, so you shouldn’t wait if this credit card is in tandem with their debit card with an exclusive free service for you and with profitable cashback alive you are really interested in money.

Tariff for servicing the card “120 days without interest” from the Ural Bank for Reconstruction and Development:

• card issue free, service cost: 1900 rubles per year with the possibility of free service(the bank will refund the annual service fee in full if you make card purchases for a total amount of 150,000 rubles or more within a year from the date of card activation);
  If you order a card now, you will receive their Maximum debit card as a gift. The service of such a card will always be for you free(the usual cost of servicing their debit card is 1,440 rubles - a decent saving).
• free replenishment at ATMs of UBRD, Alfa Bank, replenishment from other cards too for free (limit for one operation 50,000 rubles, per day 300,000 rubles, per month 600,000 rubles) in Internet banking;
• SMS notification 50 rubles per month(you can disable and use the mobile application or online banking: they are always free),
  you can also connect receiving free notifications about shopping by e-mail— in the Internet bank, the “Cards-Notifications” section;
• interest-free grace period 120 days- on All purchases;
  for cash withdrawal Same distributed by, however, there is a fee for this operation ( 4.99%, minimum 500 rub.);
• credit limit just according to your passport from 30,000 to 150,000 rubles;
  if you need credit limit up to 300,000 rubles, then in addition to the Russian passport you will also need to provide a 2-NDFL certificate;
• interest rate 28% per annum for everything that is not covered by the grace period of the loan, if you have confirmed your income with a 2NDFL certificate, if not, then 31% ;
• for registration credit limit from 30,000 to 100,000 rubles You only need a Russian passport, age from 19 to 75 years, a permanent place of work (minimum 3 months) in the region where the bank operates (provide a 2NDFL certificate no need);
• the credit card is actively issued even individual entrepreneurs(IP) one year from the date of registration of IP status;
• you can also receive a debit card with cashback “Maximum” as a gift, which will always be with free service for you
  (no more than 10 minutes), the bank will inform you about its preliminary decision by phone and tell you when you can pick up the card and provide the necessary documents at the bank branch. Filling out the form online will save time by eliminating the need to go to banks.

Raiffeisen credit card - with an interest-free period of 110 days

Here, just like with the Alfa Bank card, within the grace period, you must pay at least 5% from the amount of debt according to the statement.

Unfortunately, cash withdrawal on this map does not fall into the interest-free grace period category+ is punishable by a commission, according to the bank’s tariffs.

However, the card can be used profitably for purchases. Quite a good grace period that lasts on the card all 110 days this allows! Another advantage of this credit card is the opportunity to receive credit limit as much up to 600,000 rubles! This is currently the largest rate on the market for consumer grade credit cards. At Alfa Bank this is possible only on the Premium tariff.

One of the main advantages of this credit card is the ability free service. There are no unrealistic requirements. You need to make monthly purchases of at least 8,000 rubles, if you make this card your main one, it’s not at all difficult.

CONDITIONS FOR THE "Raiffeisen" CARD - 110 DAYS WITHOUT interest

The bank is currently issuing cards MasterCard categories Gold. You will receive a personalized card for a period of 5 years, with a chip and the possibility of contactless payment PayPass, there is also support for Android Pay, Apple Pay and Samsung Pay.

This is what it looks like Raiffeisen credit card with grace period 110 days. You can apply for a card online. New clients can withdraw cash from the card within the credit limit without commission and within the grace period (in the month of opening and the next month)

• interest-free grace period 110 days- on All purchases
  cash withdrawal at ATMs not included in the grace period: commission for cash withdrawal in Raiffeisen (3% + 300 rubles), in others (3.9% + 390 rubles);
  New clients in the first and second month from the moment of activation they can withdraw cash from Raiffeisen ATMs no commission and within preferential period;
• release free, cost of service (per month):
  for purchases over 8,000 rubles per month for free, otherwise 150 rubles per month;
• replenishment from other cards, at ATMs, as well as online banking free;
  when replenishing through a cashier at a bank branch, free only from 10,000 rubles, otherwise 100 rubles;
• SMS notification 60 rubles per month (you can disable and use free online banking, Android Pay, Samsung Pay, Apple Pay or mobile application);
• No need connect service packages;
• credit limit up to 600,000 rubles;
• interest rate 29% per annum for everything that is not covered by the grace period of the loan
  (for such a rate, it is advisable to have a salary of 5,000 rubles per month (2-NFDL), or have a car for 4 years, or travel abroad with an international passport for a year);
• Russian passport + any additional document of your choice
  (SNILS, INN, driver's license, international passport, medical policy);
• You can
  (no more than 10 minutes), during the day the bank will inform you about its preliminary decision and tell you when you can come for the card and provide the necessary documents. Filling out the form online saves a lot of time, because you don’t need to go to the bank again.

As you can see, there is plenty to choose from. Today in the segment of credit cards with a long grace period there are very worthy players, and from reliable banks. We will constantly update the article, updating information on rates, conditions, and tariffs. We will also be glad to receive your feedback about these cards. As always, write in the comments :)

An important point: we are not official representatives of the sites we write about in the article, so if you have an individual question (for example, problems logging into your account / not receiving bonuses or cash / identification, etc.), then it is better to ask them directly to the service representatives themselves.
Did we manage to uncover the topic? Share your opinion or question in the comments to the article. We will help, tell you in more detail, and discuss!

Almost every third user has credit cards (CC). This is one of the types of lending when the client is given a limit within which he can buy various products or pay for services and then return the borrowed funds to the bank. To increase the loyalty rate, banks issue credit cards with a grace period for depositing spent funds without interest.

An interest-free credit card became a reality after the development of a grace period for debt repayment. It is implemented in all credit institutions according to the same principle: the consumer is given a certain number of days after the start of the billing period, during which he can spend and replenish funds without additional expenses.

To make the grace (grace period) system clearer, consider an example:

1. You activated the CC on March 1, the grace in the contract is specified for 50 days. The first purchase using the card by bank transfer was made on March 5th.
2. After activation, the time count for preferential use of the card began. That is, until April 20, you can make purchases and deposit the funds spent without overpayment. At the same time, you must deposit all the money spent before April 20 so that the bank does not charge interest on it.
3. For example, you bought on March 5 for 1000 rubles. products, March 15 for 1500 rub. paid for a trip to a beauty salon, and on March 30 you decided to buy earrings for 3,000 rubles, so you spent 5,500 rubles. borrowed funds, which must be returned to the bank before April 20, so as not to overpay for using the loan.

Important! Operations for cash withdrawals or transfers of money to a debit account from a cash register do not apply to the grace period. Interest will be charged on the amount spent in this way and will be taken into account when calculating the minimum payment.

How long can the benefit last?

The most common option is 50 days, that is, within 1.5 months the client can buy products or pay for services by bank transfer and then deposit money into the CC account.

You can find more favorable conditions from banking organizations that issue cards with different interest-free periods:

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Important! To avoid pitfalls from banks, carefully read the conditions for providing borrowed funds. It may not apply to all payment transactions, and there are also credit institutions where the grace expires after withdrawing cash or transferring money to electronic wallets.

Review of popular credit cards

A large number of banks and lending offers drives customers into a corner. As a result, instead of choosing the best one, the user goes to the usual Sberbank and issues a credit card there with a grace period of 50 days.

However, if you make purchases by bank transfer and want to save money, below is an overview of credit cards with a grace period of 100 days or more.

Card "Halva" from Sovcombank

When choosing this type of lending, you should consider:

1. The installment plan is designed for goods purchased non-cash from credit card partners. Their list is indicated on the website and is constantly updated.
2. The bank automatically divides the purchase amount into equal payments depending on the cost of the goods. For example, if you bought a microwave oven for 10 thousand rubles with a card, then you will pay 5 thousand rubles for 2 months. jar. If you make a timely payment, you will not pay additional fees, but if you make a late payment, penalties will apply, and the interest rate on the loan is 36% per year.
3. The monthly payment is made up of all purchases. If you bought household appliances for 10 thousand rubles. and bought clothes for 5 thousand rubles. in January, then in February you need to deposit 10 thousand rubles, and in March the remaining 5 thousand rubles. provided that nothing else was purchased with the card.

Important! Before making a purchase, check the website for the installment periods for a particular store, so you will know in advance how much you will have to pay on your credit card next month as part of the obligatory payment.

This card can only be obtained by a citizen of the Russian Federation, aged from 20 to 80 years old, with official employment, and must have worked at the last place of work for at least 4 months, as well as confirm everything with documents and provide the contact city telephone number of the employer.

Credit card from Avangard Bank for new clients

The fairly popular Avangard bank offers new clients an interest-free period of 200 days, acceptance for all types of credit cards that it issues.

1. You are a new client and meet the conditions for receiving a loan: age from 19 to 62 years, permanent registration in the region where the bank is located and have been working in one place for more than 3 months. In this case, income must be officially confirmed.
2. You have been issued a credit card with a grace period of 200 days. The promotion begins after activation, and not the first purchase.
3. After 20 days, you bought household appliances using the card, and now you have 180 days to pay the entire amount of the debt; if you fail to pay on time, then interest is charged for the entire period of using the loan.
4. The next grace period will be traditional for all cards - 50 days from the date the statement is generated and the minimum payment is calculated.

Important! Only the first grace will be so large, that is, the card is beneficial for those who want an installment plan for 200 days, and then use it like a regular credit card.

The total interest rate on such a loan is 26.9% per annum. If the entire amount spent is not paid on time (for 200 days), the bank will immediately calculate interest as for late payment:

• from 1 to 3 months. – 12 – 21%;
• fourth month – 15 – 24%;
• 5 months – 18 – 27%;
• 6 and subsequent – ​​21 – 30%.

Before you apply for a credit card, read all the terms and conditions of the bank’s loan, so that you don’t have to resort to extreme options if you incur a large debt.

Alfa Bank card “100 days without interest”

The grace period of an Alfa Bank credit card is 100 days. Grace in this case is similar to an installment plan without overpayment, but with a mandatory replenishment of the account in the amount of the minimum payment.

There are several features of this loan that should be taken into account when applying for a card:

1. For 100 days, once a month you need to replenish your account in the amount of the monthly payment.
2. The first grace begins after the card is issued, then after the first purchase in the new billing period after replenishing the account with the amount spent.
3. Additionally, once a month the client can withdraw up to 50 thousand rubles in cash. without losing debt repayment benefits. But you will have to pay 5.9% of the amount for withdrawal, so it is better to use a credit card when paying non-cash for purchases or services.
4. If the minimum payment is not paid, 1% of the outstanding fines will be charged daily, starting from the 5th day of delay.

It turns out that a credit card from Alfa Bank will be profitable only if all the conditions specified in the agreement are strictly observed. Fines and penalties for late payments are much higher than in most banks. For example, with the Halva card, if the debt is not paid per day, only 0.1% of the amount spent is charged.

Summary table of credit cards with the longest period

To make it easier for you to choose a credit card, below is a table with several popular options. In it you will find the pros and cons of various cards, as well as features of the presentation of grace.

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All credit cards are beneficial for paying for products and services cashless and for returning funds spent during the grace period. For delays and using the limit for cash withdrawals, the bank charges high interest and writes off commissions.

When choosing a CC, pay attention to several points in order to find a suitable and profitable product for yourself:

• if you need to buy a product in installments and without interest, choose an option with a long period;
• for daily use of CC, standard options with a grace period of 50 days are suitable;
• read the terms of use of the limit before signing the contract.

To increase your chances of receiving a CC and receiving a large limit, provide the bank with official confirmation of all income.

Today people have become more actively involved in lending. This is due to the difficult economic situation in the country, which is affecting the local population. When applying for loans, individuals should think about whether they will be able to fulfill their obligations to financial institutions, so that the question does not arise in the future. If they encounter financial difficulties, then they should try to transfer money to another bank. You can also get a credit card from which cash will be withdrawn to pay current debts.

By what parameters should you choose credit plastic?

If an individual needs a credit card to withdraw cash, then he should be responsible in choosing it. The task of each borrower is to minimize their costs for servicing banking plastic.

When applying for credit cards to withdraw cash, Russian citizens should inquire about the size of their limit. Many financial institutions do not usually issue large amounts for such loan products. This is primarily due to the presence of risks associated with non-repayment of borrowed funds. Bank clients can increase their credit limit if they provide financial institutions with documentary evidence of their solvency when issuing cards. The higher the client’s monthly income, the higher the limit he can count on.

Another important nuance that individuals should take into account when applying for credit cards to withdraw cash is the presence of a grace period. It represents a certain time period during which borrowers can use the bank’s money absolutely free of charge. If they manage to return cashed funds to their credit accounts, they will be able to avoid interest charges.

Advice: Some financial institutions place strict limits on their credit cards. For example, borrowers are allowed to use them only for non-cash payments. If the purpose of applying for a credit card is precisely to withdraw cash, then people should take this nuance into account at the stage of submitting applications.

How to get a credit card on good terms?

In order to obtain a credit card on good terms, from which cash will subsequently be withdrawn, Russian citizens must carefully study all the conditions of the available programs. In addition to the grace period, banks can set both interest rates that are beneficial for the client and rates that are too high. Their size is directly influenced by the following indicators:

• provided package of documents;
• presence of an official place of work;
• monthly income amount;
• state of credit history, etc.

To count on favorable interest rates, individuals need to prove their reliability to the bank. Under the best conditions, a credit card can be issued to regular clients of a financial institution or citizens who receive wages and social benefits through it. They do not need to document their solvency, since the bank can already assess their financial capabilities.

Advice: today you can apply using several documents. For salary clients, the financial institution offers plastic on the most favorable terms, such as a grace period, low interest rates, the ability to withdraw cash, etc.

What conditions do banks set for withdrawing cash from credit cards?

The procedure does not involve any serious restrictions. But when applying for plastic from other financial institutions, people should be interested in the current conditions. Some banks only allow their clients to pay with credit funds for goods or services. For these financial transactions, they do not charge commissions or interest if the funds are returned to the card accounts during the grace period. If an individual wants to cash out borrowed funds through an ATM, he will have to pay a commission, the amount of which is approved by the internal order of the financial institution. Also, the bank will immediately begin to apply the usual tariff for this type of loan, which is why the cost of servicing the credit card will rapidly increase.

Advice: If Russian citizens apply for credit cards under such conditions, they should carefully select the retail outlets at which they will pay with them. In some stores, such financial transactions are regarded as cashing out, as a result of which borrowers will face the corresponding consequences.

The best credit cards with a grace period for cash withdrawals

Today, individuals can obtain credit cards for cash withdrawals on the most favorable terms at the following financial institutions:

1. Sberbank of Russia. It is beneficial for clients of this financial institution to withdraw cash from its ATMs, which are present in almost all localities. Such credit cards have a grace period of 50 days. The current interest rate is set at 25.90% per annum. During the grace period, a commission of 3-4% will be charged for cashing out funds.
2. Alfa Bank. This financial institution sets the longest grace period - 100 days. Credit cards have a favorable interest rate, starting at 23.90% per annum. For cashing out funds, the bank charges a commission of 5.90% of the amount.
3. VTB 24. At this bank, individuals can issue credit cards for cash withdrawals under the following conditions: grace period - 50 days, cash withdrawal fee - 1.00-5.50%, annual interest rate - 28.00%.

Advice: may be suitable for Russian citizens to withdraw cash