Credit cards are the most popular banking product today. The reason for this is the convenience of using credit cards, from which you can withdraw cash at any time of the day or night, as well as pay for purchases in stores by bank transfer. You just have to remember that you need to deposit a certain amount on the card during the interest-free period, and continue to use credit funds without having to visit the bank.

So, let’s move on to a substantive consideration of the concept of “online application”. This is a special questionnaire form, the structure of which is determined individually by each lender. Typically, such applications are filled out with standard personal information about the potential borrower, for example, full name, date of birth, place of residence, employment, income and others. The application will also include information about the availability of existing loans and the state of your credit history. It takes no more than 10 minutes to fill out such an application. Please note that it can be completed at any time convenient for the borrower (night/day), but the application will only be reviewed during business hours.

Several credit card options for your choice, compare the conditions and get a card in 5 minutes!
As soon as the online application for a credit card is completed and sent to the bank, all that remains is to wait for the “verdict” of the financial company’s specialists. Notification of approval of the application or refusal of the loan will be sent to the borrower by SMS message, email, or bank employees will simply call. If the application has been approved, then it is necessary:

• contact the nearest branch of the lender;


• wait for the courier to arrive;


• wait for the letter to arrive at the nearest post office.

Each financial institution independently determines how borrowers can obtain credit cards, so this nuance should be clarified in advance.

Where can I get a credit card with home delivery?

Now we propose to talk about current and popular lending programs, applications for which can be submitted directly using our website. So,

• IQ Card is a product of ITB Bank. According to the terms of the loan, the borrower can receive a credit card with a maximum credit limit of 100,000 rubles, and the grace period will be 56 days. The interest rate on this credit card is determined individually for each client, but will not be less than 28% per annum. Anyone who is at least 21 years of age but under 67 years of age can apply for this credit card. Note that this assumes an 8% return on the balance. Such a card can be issued remotely and delivered to the borrower by courier.


• The Platinum card is a product of Tinkoff Credit Systems Bank, which is more than known throughout our country. This card is incredibly popular among residents of the Russian Federation, since it is provided even to those who have a bad credit history. The maximum limit on the card can be 150,000 rubles, and the interest rate can be at least 24.9% per annum. The loan term is from three months to three years, and the grace period is 55 days. Anyone between the ages of 18 and 70 can get this credit card. You can receive a credit card from Tinkoff Bank using a courier or by post.

To fill out an online application for one of the listed products, we suggest going to the “Credit Cards” section of our resource and clicking on “Apply for a card” next to the offer you like.

Why should you trust Krednal.ru?

Krednal.ru is not just another resource where you can quickly fill out an online loan application, but a real team of professionals who regularly monitor current lending programs and enter into agreements with the country's leading financial institutions.

Every day, a huge number of users turn to us for help in solving their own problems related to lending. Our specialists advise and help get out of difficult situations. We are for fair and profitable lending!

We are waiting for your questions and comments, with respect, Krednal.ru.

The most affordable and fastest to issue is a card with a set limit. It allows you to always have money with you and use the funds without paying interest. If you want to buy something in a store, pay for purchases on the Internet, or make payments for utilities, the card will come in handy.

Under what conditions can you get a credit card in Moscow?

Banks issue different types of cards, which differ in status, payment system, and technical characteristics. Bank credit cards are:

• Classic. The card's capabilities are minimal: a small credit limit and a standard set of services.
• Gold. They contain more favorable terms of service, an increased limit and the ability to pay for purchases with discounts.
• Platinum. These are privileged cards that include additional features and convenient services.
• Co-branded. They allow you not only to use bank funds for the entire grace period, but also to receive bonuses that can be spent in the bank’s partner stores.

A credit card is issued online or on websites. Under what conditions can you get a credit card?

• with a grace period;
• service is free or paid;
• amount – from 15 to 500 thousand rubles. (the amount depends on the amount of income);
• the ability to pay for purchases in stores and online with discounts and bonuses.

A credit card is only beneficial for non-cash payments. For cash withdrawals, a commission of about 3-4% is charged. The grace period does not apply to withdrawals.

You can order a credit card in Moscow from almost any bank. Review of the application and registration takes 15-30 minutes. Many do not require proof of solvency. Get . All you need is a passport and any other identification document. Citizens from 21 to 65 years old can purchase a credit card. There are also youth cards that are issued to persons over 18 years of age.

How to find and choose a profitable credit card?

Compare offers from all capital banks and choose the appropriate card on our website. The page provides a list of available programs with conditions and rates. At the top of the list are the best offers with low interest rates. After reviewing the conditions and choosing a profitable program, you can immediately submit an application by clicking on the appropriate button on the website. An online application for a credit card in Moscow is processed within 1 to 2 days. You can receive the card at the bank office or anywhere in the city by ordering its delivery to your address.

A credit card is a unique product that allows you to reuse credit funds at any time convenient for you and combines many advantages from a grace period to all kinds of bonuses and privileges.

What to look for when choosing a credit card?

Credit limit and interest rate. Not all banks are ready to provide a high limit on their cards; borrowers who have a high and stable income or a good credit history with the bank that issues the card can get it.

The interest rate is affected by the number of documents provided; the more documents there are, the more favorable the conditions will be. Of course, you won’t be able to get a credit card at a low interest rate by providing one document. It is advisable to prepare 2-3 documents and a certificate of income in advance.

Grace period. First of all, you need to look at what transactions it applies to; most often it only applies to non-cash payments for goods and services. For credit cards marked “For cash withdrawal”, the grace period applies even when withdrawing money from an ATM. The Bank of Moscow, AK Bars Bank and Alfa Bank have such offers, so if you are going to use cash, it is better to contact one of these organizations.

Note! Non-cash payment is always more profitable, since banks charge a commission for cash withdrawals, on average it is equal to 4-5% of the transaction amount.

Annual maintenance cost. If you do not plan to use your credit card often, you do not need a high credit limit and various privileges, it will be better to take a credit card with free service. Citibank “Simply credit card” and SKB Bank (Zapaska card) have such offers.

It is also important to make sure that there are no additional fees. This could be a fee for issuing and re-issuing a card, for repaying a debt in a certain way, for additional services (for example, SMS information).

Selecting a card

Taking into account our recommendations, you can select several credit cards that suit you in 10-15 minutes. Use the selection to weed out unnecessary offers, and then compare the remaining ones with each other using the comparison function.

Proposals that have passed a strict selection process suit you according to the main parameters; now you can proceed to filling out an online application. Today, banks provide individual conditions for each borrower, each bank has its own list of requirements, the more you meet it, the more favorable the conditions will be.

The high level of competition characteristic of the domestic financial sector has become the reason that banks are forced to offer potential clients increasingly favorable conditions for obtaining a credit card. The number of such offers is extremely large, so choosing which bank is best to cooperate with is far from easy.

What to look for when choosing a card

In order for the issuance of a credit card to bring maximum benefit to the owner, it is necessary to determine where it is best to obtain this popular banking product today. The following criteria are most often used to select the most attractive option:

• Interest rate for using borrowed funds. The most obvious criterion for assessing the profitability of a credit card. However, one should not exaggerate its importance, since often the actual cost of maintaining and servicing the card is formed not only from the interest paid on the loan;
• Credit limit. An important parameter showing how much the financial capabilities of the plastic owner increase;
• Duration of the grace period. Today, almost all reputable financial institutions offer at least 50 days of using bank money without paying interest. However, some credit cards provide 60, 90, and even 120 days of grace period;

Advice. Having an interest-free grace period brings the greatest effect and benefit when you strictly adhere to the loan and service payment schedule.

• Maintenance cost. The most high-status credit cards offer a lower interest rate, but at the same time a serious limit and a high cost of annual servicing. In order to obtain a credit card from a bank on the most favorable terms, you need to carefully calculate the various options and conditions of use;
• Number of ATMs and terminals. Sberbank's most important competitive advantages include a large number of self-service devices, as well as an extensive branch network. Of course, using a credit card using a terminal or ATM is easy and quick;
• Level of remote maintenance services. With the help of a credit card, many online payments are made, from paying for utilities to purchasing goods in online stores. Most of them are made using Internet banking;
• Requirements for the recipient credit cards, and processing time. Some banks, for example, Tinkoff Bank, are ready to issue a credit card online, and send it by mail or deliver it to your home. Obviously, this is a serious argument in favor of such a banking product.

The above list of criteria clearly demonstrates how difficult it is to choose the most acceptable credit card option. It should be taken into account that such plastic cards are issued today by almost any bank, so their number presented on the financial market is extremely large.

The wide variety of credit cards issued by banks is largely due to the fact that in order to obtain different plastic cards, potential owners are required to have completely different requirements. As a rule, only two of them are common:

• Russian citizenship and registration, often still called propiska, on the territory of the country;
• The client's age, which should usually be between 21 and 60 years old.

Important! It must be remembered: the lower the requirements for a potential cardholder, the higher the actual cost of servicing and borrowed funds received.

However, even these requirements are not always strict, since some banks offer to issue a credit card starting from the age of 14, and other financial organizations are ready to produce plastic for residents of other states that have official registration and a source of income in Russia. Other frequently encountered but not mandatory requirements include the following:

• Providing, in addition to the passport, a second document, which may be a driver’s license, military ID, international passport, etc.;
• Availability of official employment with a certain level of income and duration of work in the last place;
• Status of a pensioner or recipient of other social benefits from the state;
• Having a problem-free credit history, etc.

Obviously, fulfilling any of the listed requirements makes the process of obtaining a credit card simpler and easier, and it is much more difficult for a non-working client or a person without official employment to obtain a bank card. However, some banks, for example, the already mentioned Tinkoff Bank, OTP-Bank, Sovcombank are ready to issue credit cards to borrowers without work. Naturally, the limit on them will be extremely small, and the interest rate will be the highest of all possible.

Required documents for application

The list of documents that are required to be provided to a potential bank client depends on the requirements placed on him. In this case, only a passport must be provided, which must indicate registration. In addition, you may need:

• Second identification document, examples of which are given above;
• Certificate from the place of official work indicating income in the form provided by the bank or 2NDFL;
• Pensioner's ID;
• Other documents confirming the availability of income, for example, a rental agreement for housing or real estate, etc.;
• A client questionnaire, which is required by any bank and is filled out according to a form developed by each credit institution independently;
• Other documents at the request of the financial organization.

Advice. You should not try to deceive the bank by providing false information, for example, about income. The information provided by the client is easily and without problems checked, and mistakes made are a common reason for refusal to issue a credit card.

Despite the advice given above, quite often banks accept clearly inflated income statements. However, this almost always happens when the client honestly warns about this, and does not try to mislead the credit department specialists. The reason for this behavior of a financial organization is quite simple - the peculiarities of doing domestic business, when not always and not all wages are processed officially.

How to apply for a credit card

Today, a potential credit card holder has two main options to apply for it:

• Personal visit to a branch of a financial institution. In this case, the application is completed directly on the spot using the bank’s form;
• On the credit institution's website. Most serious banks allow customers to obtain a credit card through an online application. This option is certainly more convenient and faster, since it does not take much time and can be done without leaving your home.

Important! Despite submitting the application online, a visit to the bank is still required, as it is necessary to sign the agreement and receive a credit card. The only exception to this rule is the delivery of a credit card by courier with the simultaneous signing of the corresponding agreement.

It should be noted that in modern conditions, banks are trying to transfer most of their relationships with clients to a remote format. Such financial organizations include, first of all, Sovcombank, Vostochny Bank, OTP-Bank. However, large structures, for example, Sberbank, VTB and Alfa-Bank, are actively developing this area of ​​work. The only bank that has completely moved customer relationships online is Tinkoff Bank.

Approval deadlines and card issuance process

The duration of consideration of a regular or online application for a credit card depends on three factors: the bank, the type of credit card and the credit limit requested by the client. Today, some banks, including those listed above, decide to approve the issuance of credit plastic directly on the day of the application. Moreover, a number of financial organizations inform the client about the decision made by sending a letter to his email within 15-30 minutes.

Obviously, in this case we are usually talking about either an old bank client, for example, who already has a credit card and is applying for a second one, or about a small credit limit and a high interest rate. Large banks usually consider an offer within 1-2 days, although in most cases they declare a decision within 3-5 days.

If the application is approved, the client is informed of the date and place of receipt of the card. If plastic is delivered by courier, the place of delivery is also specified. After the credit card is issued, the bank specialist once again checks the existing agreements and invites the card owner to receive it.

Today, people are increasingly applying for credit cards to resolve their financial issues. After all, with the help of a plastic card you can solve many financial problems and at the same time repay the loan in a way convenient for yourself. In any case, before using a credit card, you must first order it. Our company has been issuing credit cards for individuals for quite some time, and every year there are more and more opportunities to purchase them.

In order to make ordering a credit card convenient and simple, it is now possible apply for a credit card online. This method is quite new, but has already found many fans who have truly appreciated the advantages of this method. For those who are just planning to apply for a credit card, you should definitely familiarize yourself with them:

The main advantage of ordering a card via the Internet is the convenience of its execution. Because you have the opportunity to be in any place where you only need access to the Internet. All you have to do is fill out an application for a credit card and wait for it to be issued. Agree that doing this at home is much more pleasant.

The next advantage is the ability to control the funds on a credit card, also using the Internet. And it doesn’t matter at all what kind of computer you use – desktop or mobile, the main thing is just to have access to the network. Managing your own or borrowed funds has become easier than ever!

Ordering a credit card online means saving time instead of going to the bank, searching for information about credit cards, choosing the most suitable one, and filling out the necessary documentation. What if your choice is between credit cards from different banks? Imagine how much time you can save!?! Therefore, especially for you, we have selected the most popular credit cards, with all the conditions for their issuance. They are presented on one common page to make it easier for you to compare them.

Want to choose a card?

Compare conditions, fill out the form and get your credit card today.

Applying for a credit card online It’s also convenient because anyone can order it, regardless of their level of income, because from the many credit programs we can select those designed for people with both high and average incomes. If you have access to the Internet, then this option for comparing and issuing a credit card is perfect for you.

Based on the advantages listed above, you can make sure that getting a credit card via the Internet is convenient, fast, simple and affordable. That is why issuing a credit card online is becoming more and more popular every year. It also does not take much time, effort and knowledge and is rightfully considered the simplest solution to the financial issues of our users.

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