The grace period is the main feature that banks offer with cards. Basically, the Graise Period ranges from 30 to 50 days. In 2019, Alfa Bank is offering a card with a credit limit of 100 days without interest, subject to full repayment of the debt.

Conditions and tariffs for the program

You can apply for one of the types of Master Card and Visa plastic. The user chooses the type of credit card independently.

Conditions for a credit card from Alfa Bank 100 days, current for 2019:

The service fee is divided annually, monthly for Classic - 99.16 rubles, Cold - 249.16 rubles, Platinum - 457.5 rubles. The minimum monthly payment is 5% of the total debt, but this amount cannot be less than 320 rubles.

There is also a limit when withdrawing cash - 50,000 rubles per calendar month; within this amount, no interest is accrued on cash withdrawals. If the size exceeds the limit, then a commission from 3.9% to 5.9% will be charged on the difference, the percentage depends on the type of card. For example, the borrower withdrew 60,000 rubles, for 50,000 there is no commission, and for 10,000 rubles 3.9% is withdrawn - 390 rubles. The SMS notification service is also paid, it is equal to 59 rubles per month, you can also cancel it through the Alfa-Click system or the information center.

All types of cards support PayWave, PayPass (for contactless payments) and “3DSecure” (security technology).

How does Grace period work?

Credit cards with a grace period of 100 days have one significant catch - a minimum payment of 5% of the debt must be made monthly, regardless of the Graise Period.

The grace period is the period during which the bank does not charge interest for using the card, in our case it is 100 days. However, all other commissions will continue to be charged, so the borrower, even without making any drafts, can go into the red.

The Graise Period begins to operate on the next day after the first debit transaction from the account. Logically, this period can be divided into 3 months plus 10 days. However, the payment and grace periods may not be the same. The calculation period begins from the card activation date - it is equal to 30 days. The obligatory payment must be made during the payment period, no later.

Let's look at an example:

1. The account activation date is December 1. The first payment period ends on December 31, the second on January 30, and the third on March 1.
2. On December 2, an annual service fee is charged, for example 249.16 rubles. Next, the borrower withdraws 45,000 rubles on December 5. This means that by the end of December he needs to pay 5% of the debt ((45000+249.16)*5%= 2262.458).
3. The grace period of 100 days will be counted from December 6, which means it ends on March 16.
4. If the borrower has not withdrawn anything else during the grace period, then until March 16, he will need to make mandatory monthly payments of 5%, plus an annual service fee.
5. Interest for use will not be accrued if the client repays the full amount of 45,000 (minus the mandatory payments made) before the end of the term 100 days. After full repayment, the funds can be withdrawn again, then a new grace period will apply.

In the above example, all that the borrower will overpay is the annual service fee. i.e. 249.16 every month. However, if you do not meet the deadline, the bank will charge interest for all these billing periods and the card will be turned into a regular loan, in which you need to make a minimum payment according to the schedule.

By the way, you also need to take into account that additional services in the form of SMS and insurance are also calculated monthly and will be included in the amount of the debt.

Requirements for clients

Among Alfa Bank's users there are many young people, as well as people of middle and retirement age. The card may be offered to regular customers as a promotional product with a pre-approved limit. In other cases, the limit and rate are determined individually. By the way, a lot depends on age and income level. Persons under 25 years of age are often provided with an amount of up to 20,000 rubles, this is explained by the fact that at this age there are difficulties with employment and punctuality in repaying debt. But if there are no such problems, then the client can write applications to increase the limit.

• Russian citizenship;
• age – from 18 years;
• the level of permanent income after taxes must be at least 9,000 rubles (for residents of Moscow and Moscow Region) and 5,000 rubles for other regions of the Russian Federation;
• the borrower must be registered or have a permanent place of work in the location where the Alfa Bank office is located.

In addition, the person must provide one contact telephone number and a landline number from the place of work.

Who can get the card?

Any citizen of the Russian Federation can open a card account if they have permanent registration in the state. However, there are regions in which Alfa Bank does not lend, due to remoteness and lack of offices, these include the Amur region, Smolensk, and Amur regions. However, if a person has a residence permit in one of these districts, but has been living in another city of the Russian Federation for many years and has temporary registration or a permanent place of work in this territory, then there will be no problems. Exceptions are persons living in Autonomous Republics, for example, Crimea or Buryatia.

The registration scheme is as follows via the Internet:

1. Fill out an online application on the bank's official website.
2. The bank provides a preliminary decision.
3. Next, if the answer is positive, then you can go to the nearest Alfa Bank (which was selected when drawing up the application). The responsible manager is required to present all the documents that were listed in the online application form.
4. If you apply in person, documents may be sent for additional verification, and only after that a final decision will be provided.
5. After approval, the contract is signed and the card is provided in hand.

The next day after activation, service fees begin to accrue and if there are no own funds in the account, they will be withdrawn from the credit limit. This payment is already considered an expense that must be repaid, otherwise a penalty will be charged.

An interest-free credit card from Alfa Bank can be provided without a prior online decision. The client just needs to contact the branch and leave a request for registration. All formalities for filling out and verifying documents are handled by the loan officer. However, in this case there is one caveat - purchasing insurance (0.67% of the debt). A bank employee can impose or even include this service in the loan by default, whereas in online mode the choice remains with the client.

Necessary documents for registration

The main document without which no loan will be issued is a Russian passport. In addition to this, you can choose from:

• international passport;
• identification code;
• SNILS;
• driver's license;
• health insurance policy;
• a debit or credit card from any bank is accepted as proof of successful client identification through the BKI database.

The chance of receiving a credit card with a grace period of 100 days increases if you provide additional documents. An international passport with notes on travel abroad, a VHI and CASCO policy, as well as an extract from a deposit account indicating the balance (at least 150,000 rubles are accepted) are suitable. In addition, you may need a certificate of income 2-NDFL or in the form established by the bank.

Cards from other banks 120 days without interest

If you cannot conclude an agreement with Alfa Bank, then you can consider alternative options from competitors:

Tinkoff is more loyal to borrowers with a damaged credit history, and does not require employment documents. Post Bank puts forward more stringent requirements for solvency, but they also offer a larger credit limit and a minimum payment of 5%.

The credit card is one of the five most popular cards in the country. The card is popular among the population due to its main advantage - a universal interest-free period covering absolutely all transactions of the card owner. Let's look at what an Alfa-Bank credit card is, whose grace period is 100 days: the conditions and procedure for issuing it.

Credit card characteristics

1. The card is offered in three categories: classic, gold and platinum. Card account currencies are available: ruble, US dollar and euro.
2. The annual rate for all products is in the range of 23.99-39.99%. The bank announces the exact percentage value after analyzing the client’s data. The main and additional cards are issued free of charge, but for re-issuance of plastic if it is lost you will have to pay 290 rubles.
3. The daily amount of money that can be withdrawn from an ATM is not limited; if desired, the client can independently set restrictions. If a credit card is issued on the basis of an individual loan offer, then it has a monthly cash withdrawal limit of 200 thousand rubles.
4. An interest-free period of 100 days is available on classic card products , and for co-branding programs and plastic with special features, a zero rate applies for 60 days.
5. You can issue a virtual card for any credit card for 49 rubles. Their number is not limited; the client has the right to receive a card for each new purchase on the Internet.
6. The borrower has the opportunity to place personal funds on the card account, however, Alfa Bank does not charge interest on their balance. The card is suitable for storing, accumulating, but not for increasing money.
7. SMS informing the client about transactions on the card account the first month is free,starting from the second month, an additional 59 rubles will be debited. The status of your account and its statements can be found out free of charge in your personal account on the website or mobile phone, as well as in the official Alfa-Bank application.
8. You can use plastic to pay interest-free for the services of mobile operators, television and Internet providers. At 29 rubles. Each transfer of payment for utilities, city and long-distance communications, and traffic police fines will cost. Transferring credit funds to any other card will cost 5.9% (not less than 100 rubles)
9. 6 months after starting to use the card, the borrower has the right to apply to increase the limit. The answer is given 3-4 days after the request (by phone or in person with a bank specialist).
10. At the request of the client, with a credit card it is possible to obtain life and health insurance for the card holder. For the service, you must pay an additional 0.79% of the debt amount monthly.

Credit cards CLASSIC

The available limit on a credit card is from 5-300 thousand rubles; for the population of the Moscow region, a card account is opened for a minimum of 10.8 thousand rubles. The annual fee for the card differs depending on their type and the number of free days. So, with 60 days, the cost of plastic varies from 990 (Russian Railways Classic) to 1290 rubles. (VISA PayWave / MC PayPass).

The terms of the Alfa-Bank credit card “100 days without interest” include an annual payment from 625 (VISA Classic Unembossed) to 1290 rubles. (VISA Standard). Some standard 100-day products are available only with a special credit offer, and pre-approval terms significantly reduce the annual payment.

For cash withdrawals through ATMs, a commission is charged - 5.9%, and for Visa Classic Unembossed cards - 7%. Before making the first three payments on the card, withdrawals are limited - up to 60 thousand rubles. per month.

GOLD cards

Gold category cards are available with a large limit - from 5 (10.8 for Moscow) to 500 thousand rubles. Servicing a plastic card with a 60-day period at a zero rate costs from 2625 (Aeroflot Gold) to 3500 (Alfa-Miles Signature Light) rubles. annually. “100 days without interest” on an Alfa-Bank credit card of the “Gold” type will cost the owner from 625 rubles. (VISA Gold Unembossed) up to 2990 rub. (VISA Gold). Potential bank borrowers who have received a personal offer are eligible for a lower price. Before paying the first three minimum payments, the card has a cash withdrawal limit of 120 thousand rubles. monthly. It is possible to withdraw money with a commission of 4.9%.

PLATINUM cards

For this type of cards, prices from 150 thousand rubles are available. up to 1 million rubles The annual fee for a credit card for 60 days with zero interest ranges from 6250 (Aeroflot Platinum) to 6490 rubles. (“S 7 PRIORITY” Platinum). A card with 100 free days will cost the client from 4990 (VISA Platinum) to 6490 rubles. (MC Platinum) depending on whether the card was issued based on the bank offer or the borrower’s Questionnaire. Before making three minimum payments on the card, there is a limit on cash withdrawals - no more than 200 thousand rubles. monthly. Cash withdrawal is available with a commission of 3.9%.

Requirements for a potential client

Alfa-Bank clients can be persons who:

• over 21 years old;
• live and are employed in the region where the card application was submitted;
• registered in a city where there is a banking branch or in a settlement located at a distance of no more than 200 km from such a city;
• can provide a mobile or landline (registered at the borrower’s place of residence) telephone number, as well as a work number (landline);
• have earnings of 5 thousand rubles. (from 9 thousand rubles for residents of the Moscow region);
• work continuously for more than 3 months.

The banking offer is not available to representatives of small businesses (IEs) and persons employed by them.

To apply for an Alfa-Bank credit card with a grace period of 100 days you need: an application form; passport; mandatory, optional - SNILS, compulsory medical insurance policy, driver's license, TIN or foreign passport; at the request of the applicant, to choose from - a certificate in a bank or 2-NDFL form, a certificate of registration of a category “B” car under 4 years old, or a VHI policy. Salary clients are registered using their passport. Other certificates may be submitted at the borrower's discretion.

Procedure for obtaining a credit card

The algorithm for how to get an Alfa-Bank “100 days” credit card consists of only four points. The application can be filled out on the bank’s website or at its branch. To do this you need:

1. Fill out the application form.
2. Wait for a decision.
3. Submit documents.
4. Sign the contract.

If a borrower plans to apply for an Alfa-Bank “100 days” credit card online, he needs to fill out a web form. The online application looks like a questionnaire with blocks of personal and contact information, passport data, information from the place of work, and other data. The borrower also independently selects the card category (standard, gold or platinum) and additional features that he would like to use (Cash Back, PayPass and PayWave).

The completed questionnaire is passed on to credit analysts, who check the borrower’s credit history and the entered data for their accuracy and compliance with the bank’s requirements.

Usually, after personal communication by telephone with the applicant and his contact persons (relatives, colleagues or friends), the bank makes a decision: to issue a plastic card or to refuse to issue a credit card. According to banking regulations, this procedure takes no more than 5 days (working days). In practice, the solution is known within a few hours. If the decision is positive, a bank representative contacts the borrower and invites him to sign up for an agreement. If the application was not submitted at the branch, the client must take with him the documents whose details were entered into the online form. Copies of documents are certified, after which an agreement is signed, consisting of the Loan Terms and Agreement.

At the client’s request, the plastic can be delivered to the Alfa-Bank branch, which was indicated in the relevant section of the application. The card is personalized, so It takes up to 3 days to produce it. The client has the right to terminate the agreement no later than 14 days from the date of its signing, provided that there is no debt on the card account. Otherwise, the contract is considered concluded for an indefinite period.

How to use the card

Alfa-Bank 100 days credit card has quite a wide range of functionality. It allows:

• cash out;
• carry out online payments;
• make payments at commercial establishments;
• pay for travel services;
• transfer money to bank accounts;
• pay insurance premiums under personal insurance contracts.

The zero interest period covers all specified activities.

The card issuer is , general license of the Bank of Russia No. 1326.

The main feature of this card is the interest-free credit period extended to 100 days.

Basic terms of the tariff plan

Credit terms:

• Credit limit up to 150,000 rubles.
• Rate from 24.99% per annum.
• Grace period for lending is up to 100 days.
• The grace period for lending also applies to cash withdrawals.
• The minimum loan payment is 5%.

Card service:

• Commission for issue and maintenance is 875 rubles in the first and subsequent years.
• Cash withdrawal from bank ATMs - 5.9%, minimum 300 rubles.
• Cash withdrawal from ATMs of other banks - 5.9%, minimum 300 rubles.
• Using your own funds is possible.
• Interest is not accrued on the balance of your funds.

Discounts and privileges:

• Discounts from the VISA or MasterCard payment system in restaurants and shops.

Other conditions:

• The card is “chip” (in addition to the magnetic stripe, it has a chip), so it has an increased degree of security and is accepted for payment in most retail outlets in any country.

Documents and requirements:

• The borrower's age is from 21 to years.
• Documents for registration - passport + second document (without certificates).

The finished card is issued at the Alfa-Bank office.

Alfa-Bank credit card “100 days without interest” - tariffs and conditions

3.1 (61.67%) 36 votes

The Alfa-Bank credit card “100 days without interest” has attractive terms of credit service that attract many customers - 100 days without interest! Who can resist such an offer? But it's not that simple. Alfa-Bank is the largest commercial bank in Russia that knows how to make money. The “100 days without interest” card is a skillful marketing ploy, the product of well-thought-out advertising. It has advantages and elegantly veiled disadvantages. All this is discussed in detail in our article.

Analysis of Alfa-Bank card “100 days without interest”

Correctly, this credit card should be called “100 days without high interest.” The skillfully omitted word made the card a hit on the credit services market. Meanwhile, 100 days is a grace period (LP), during which the client pays a minimum percentage (5%, but not less than 320 rubles) of the loan amount. After the grace period expires, on the 101st day the client will pay substantial annual interest (from 23.99% to 39.99%) if he does not pay the debt in full. The percentage is determined individually when working with each client.

Grace period for Alfa-Bank credit card “100 days without interest”

The grace period of the credit card lasts 100 calendar days. The LP is activated from the moment of making the first purchase (taking out a credit loan). The duration of the LP will countdown until the debt on the credit card is repaid in full. That is, if funds have been deposited into the account, this will not affect the validity of the LP, only if the amount covers the debt completely. Every time the credit card restores its status quo - zero balance or debit - the LP is reset to zero.

Visually the operation of the LP can be seen in the figure below:

Let's comment on the drawing. The settlement time consists of 4 payment periods (time intervals during which the borrower is obliged to pay for banking services and fulfill loan obligations). In the picture you can see that the payment period (PP) time is 20 days. Each period is active for 1 month, so there is an interval of 10-11 days between periods.

Important! If the borrower successfully paid the amount of mandatory payments during the term of the loan, but was unable to repay the debt on time, the bank will charge a penalty for the entire period of using the loan. Missed payments on mandatory payments are penalized by paying a penalty of 1% of the debt.

Step-by-step mechanism for the “100 days without %” card

The numbers will help anyone understand how the “100 days without %” credit card works. For example, let’s take “MasterCard Standard: 100 days without %”.

• The card is received - the next day after activation, the terms of service begin to work - this is 1190 rubles per year or 99 rubles per month.
• 10 days after receiving the card, the first purchase in the amount of 100,000 rubles is made - the grace period begins the next day.
• 30 days have passed since receiving the card - you must pay the mandatory payment amount - this is 99 rubles. The amount will be withdrawn from the credit limit if there is no debit on the card.
• 30 days have passed since the purchase was made - you must pay a minimum payment of 5% of 100 thousand - this will be 5 thousand rubles.
• 60 days after receiving the card – the second service fee is paid.
• 60 days after the purchase is made – the second minimum payment for the loan is paid.
• 90 days after receiving the card – third payment for service.
• 90 days after the purchase – the debt in the amount of 90 thousand rubles is covered.

The result is that using the card cost the owner 297 rubles spent on servicing. If the borrower had not covered the debt over the course of the loan, he would have had to pay 23.99% of 100 thousand - 23,990 rubles per annum - for using the loan. In addition, of course, to cover the loan amount itself.

Varieties of the “100 days without %” card

Alfa-Bank’s “100 days without %” credit cards have 6 varieties by category and payment system. Each category provides its own advantages to the owner of an Alfa-Bank credit card; they can be compared in the table. There are no significant differences between payment systems in Russia; we only note that MasterCard is more useful abroad.

Comparison of cards

Name cards	MasterCard Platinum: 100 days without interest	MasterCard Gold: 100 days without interest	MasterCard Standard: 100 days without interest	Visa Platinum: 100 days without interest	Visa Gold: 100 days without interest	Visa Classic: 100 days without interest
Minimum interest rate from:	23,99 %	23,99 %	23,99 %	23,99 %	23,99 %	23,99 %
Payment system	MasterCard	MasterCard	MasterCard	Visa	Visa	Visa
Card category	Platinum	Gold	Standard	Platinum	Gold	Standard
PayWave/PayPass	Yes	Yes	No	Yes	Yes	No
Minimum credit limit	150 thousand and one ruble	10 thousand eight hundred rubles	10 thousand eight hundred rubles	150 thousand and one ruble	10 thousand eight hundred rubles	10 thousand eight hundred rubles
Maximum credit limit	Million	500 thousand	300 thousand	Million	500 thousand	300 thousand
Main card service	5490	2990	1190	5490	2990	1190
Servicing an additional card	5490	2990	1190	5490	2990	1190
Currency	rubles	rubles	rubles	rubles	rubles	rubles
Cash withdrawal limit	200 thousand	120 thousand	60 thousand	200 thousand	120 thousand	60 thousand

Other Features

Attention! Along with the card, life insurance is issued - 0.67% of the debt amount. You can refuse it on the spot, during the card issuance process.

Documents required to issue a card

In order to issue a card, you must provide the following documents:

• passport of a citizen of the Russian Federation;
• another document (military ID, diploma, driver’s license, TIN, SNILS, compulsory medical insurance policy, international passport);
• certificate 2-NDFL (optional, but important for determining a low interest rate and increasing the credit limit amount).

The application can be submitted at any bank branch or online

This video will help you complete your online application:

Important! In order to receive a card, you must meet the following parameters: a) reach the age of 21; b) work experience at the last place of work must be at least 3 months; c) have an official cash income of at least 9 thousand rubles (Moscow) and 5 thousand (regions).

A large grace period makes the “100 days without%” card a truly advantageous offer on the Russian banking services market. The only bank that can boast of such a long grace period is Tinkoff with its 120-day interest-free card.

Positive reviews about the credit card “100 days without %”

Many users in their reviews praise the card for such features as:

• availability of Internet banking;
• ease of use (accepted everywhere, many ATMs);
• responsiveness of bank employees (you can always reach them by phone);
• a good credit history is noticed and rewarded by the bank;
• courier delivery of the card;
• a wide range of debt repayment options.

Negative reviews about the credit card “100 days without %”

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Alfa-Bank credit card 100 days without interest is currently the absolute record holder for the duration of the grace period (100 days - such a LP for the entire validity period of the card). We will look at how to use it to the greatest advantage, and whether there is a catch with this card in a review of its capabilities.

Let’s immediately determine that Alfa-Bank has plenty of variations of credit cards “XX days without interest” - the main thing is to find the one we need in this heap. So, for example, there is also a “60 days without interest” card - it costs a little less than “100 days”, and the minimum interest rate is higher. A grace period of 60 days will not surprise anyone now, so we will tell you specifically about a card with a 100-day grace period.

The main advantage of the card lies in its name:

You can actually pay for any purchases with the card and even withdraw cash, and if you pay off all the debt within 100 days, you won’t have to pay the Bank anything.

It turns out that the card can be used both as a regular credit card for making purchases, and as a kind of “consumer loan”. We'll tell you more about the 100-day grace period below, but for now let's take a look at the card issue categories.
The card is available in several versions:

"Classical"- MasterCard Standard / Visa Classic card:

• maximum credit limit - 300,000 rubles;
• the cost of servicing the main personal card is 1,290 rubles per year for cards issued in the usual manner and 990 rubles per year for cards issued under the Bank’s Credit Offer;
• the cost of servicing an additional card is 990 rubles per year.

“Gold” MasterCard Gold / Visa Gold:

• maximum credit limit - 500,000 rubles;
• the minimum credit limit is 10,800 rubles for the Moscow region and 5,000 rubles for other regions of the Russian Federation;
• the cost of servicing the main personal card is 2990 rubles per year for cards issued in the usual manner and 775 rubles per year for cards issued under the Bank’s Credit Offer;
• the cost of servicing the main non-personal card is 625 rubles (can only be issued under the Bank’s Credit Offer);
• the cost of servicing an additional card is 2,490 rubles per year.

• maximum credit limit - 1,000,000 rubles;
• minimum credit limit - 150,001 rubles;
• the cost of servicing the main personal card is 6,490 rubles per year for cards issued in the usual manner and 4,990 rubles per year for cards issued under the Bank’s Credit Offer;
• the cost of servicing an additional card is 4990 rubles per year.

We have already written more than once that there is no actual difference between cards of the Standart (Classic), Gold or Platinum categories.

Therefore, if a credit limit of up to 300,000 rubles is enough for you, we recommend applying for a “classic” card for 1,290 rubles per year. Its capabilities will be sufficient to perform any operations.

The card can be issued with the PayPass/PayWave contactless payment module, however, whether the card will actually be equipped with this module is unknown. The Bank decides this at its discretion, and the presence/absence of the module does not affect the cost of service in any way. But regardless of whether the card has PayPass/PayWave or not, the card can be added to Samsung Pay / Apple Pay / Android Pay and used contactlessly using a smartphone.

A loan offer from the Bank is an offer in the form of an SMS or an email that can be sent on behalf of the Bank to any current or former client of the Bank or any other unspecified group of persons - all at the discretion of the Bank. If you have received such an offer, it is enough to show this SMS or a printed version of the email to the office. If you do not have such an offer, the card is issued in the usual manner.

How to get a 100-day interest-free card from Alfa Bank

An application for card issue is made on the official website of Alfa-Bank:

In total, to complete the application, you will need to go through 6 simple steps, and you will receive a preliminary decision within a few minutes after completing the application.

The more information about yourself and documents confirming your income you fill out, the higher the likelihood of your application being approved and exactly with the credit limit that you specify.

The bank may refuse to issue a card or provide a credit limit that does not correspond to what you requested.

At the same time, the Bank may not disclose the reasons for the refusal, but most often such a reason may be a bad credit history. We have already written about how to correct this shortcoming in a special review dedicated to credit histories.

As soon as the card is ready, you will be notified via SMS and invited to your nearest office to receive the card.

How the 100-day grace period works

The 100-day grace period applies to any purchases made with the card, as well as cash withdrawal transactions.

If you repay the Bank the entire amount of debt within 100 days from the start of the grace period, the Bank will not charge interest. Those. You will use the money for free. Agree, more than 3 months of interest-free “spinning” of money is a very attractive offer.

The first grace period on the card begins to operate on the date following the day of the first expense transaction on the card and lasts until the day when the entire debt on the card is repaid, but not more than one hundred days.

Let's explain with an example:

You received the card on November 22, and on November 28 you made your first purchase with the card. This means that your first grace period is valid from November 29th. You can continue to make purchases with the card, but you will need to pay off the entire debt “to zero” before March 9th - this will be the hundredth day relative to November 29th:

But it will not be possible to pay off the entire debt in one payment, say, on March 8 - the day before the grace period.

During these three-plus months of the grace period, you will be required to make a mandatory monthly minimum payment.

The Bank will issue the amount of this payment monthly on the date of receipt of the card (in our example, this is the 22nd day) in the form of SMS, as well as in the Alfa-Click and Alfa-Mobile Internet Banking. Each time you will have 20 days to deposit this money into your card account - the so-called “payment period”. In our example, it will end on the 11th of each next month.

The minimum payment on the Alfa-Bank “100 days without interest” card is 5% of the debt amount, but not less than 320 rubles.

Paying off the monthly minimum payment, as it were, “forces” you to show your solvency to the Bank.

Of course, making a monthly payment goes towards paying off the debt. In other words, paying off your monthly payment reduces the amount you owe. Your monthly payment may not match “penny-for-penny” with that set by the Bank - you can pay much more or even pay off the entire amount of the debt - the main thing is that the amount paid is not less than that indicated in the SMS.

If you do not make the minimum payment within the allotted time, the Bank will issue a fine in the amount of 1% of the debt amount for each day of delay:

It is not necessary to delay paying off the debt until the last day of the grace period: you can pay off the entire debt at any time when it is convenient for you - for example, even the next day after making your first purchase. The grace period ends on the day when the entire amount of the debt has been repaid. A new 100-day interest-free period begins on the day following the end of the previous one. And so on.

If you do not have time to repay the entire debt on the card within the 100-day period, the grace period will end, and interest will be accrued daily on the entire amount of the debt from the moment the transaction was completed.

This percentage is billed to each cardholder individually, but not less than 23.99% per annum and not more than 39.99% per annum, regardless of the card category:

Withdrawing cash from the “100 days without interest” card of Alfa-Bank

Since July 6, Alfa-Bank has improved the conditions for the “100 days without%” card: now withdrawing cash from the card’s credit limit at Alfa-Bank ATMs and ATMs of partner banks in the amount of no more than 50,000 rubles is free:

And only if the withdrawal amount per month exceeds 50,000 rubles, then an additional commission will be withheld:

These changes make the cards even more attractive, because in fact, now the card is also a “stash” for a “rainy day” in the amount of no more than 50,000 rubles!

Therefore, it is conditional, but this card can also be perceived as issuing a cash loan, and the 5.9% commission can be considered a commission for issuing a loan.

We recommend withdrawing cash from the Alfa-Bank “100 days without interest” card only in the most critical, emergency situations. Use the card only for making purchases and do not forget to pay off everything during the grace period.

Repayment of debt on the “100 days without interest” card of Alfa-Bank

You can pay off your debt in any convenient way:

1. using the Alfa-Click Internet Bank from a card of another Bank or another account opened with Alfa-Bank;
2. using Alfa Mobile Bank in the same way;
3. interbank transfer from a card or account of another Bank;
4. through Alfa Bank cash desks;
5. using ATMs with cash acceptance functions of Alfa Bank, Moscow Credit Bank, B&N Bank, Ural Bank for Reconstruction and Development, Gazprombank.

Alfa-Chek, Alfa-Click, Alfa-mobile

The SMS notification service for all transactions on the Alfa-Chek card is paid and costs 59 rubles per month, but the first month is free:

Internet Bank "Alfa Click" and mobile Bank "Alfa Mobile" are always provided free of charge, are very functional and have more than once been included in the category of the best Internet Banks in Russia:

Unfortunately, the card does not have any bonus or cashback programs. Let's consider the 100-day interest-free period one big bonus.

Results

Now that the map has been broken down into atoms, we can highlight the main advantages and disadvantages of the map:

+long grace period lasting up to 100 days;
+ The grace period applies not only to purchases, but also to cash withdrawals;
+ the ability to apply for a card without visiting a Bank office;
+ systemically important Bank with a wide service network;
+ high credit limits- up to 1,000,000 rubles;
+ clear and simple scheme of the grace period;
+ free use of mobile and Internet Banking;
+ many ways to pay off card debt;

– high cost of card maintenance- from 1,290 rubles for a Standart card, issued on general terms, up to 6,490 rubles per year for a Paltiunum card;
+ high commission for cash withdrawals - 5.9% of the withdrawal amount, but not less than 500 rubles; From July 6, there is no commission for withdrawal amounts up to 50,000 rubles! These changes transform this “minus” card into a “plus”
– a large percentage on purchases and cash withdrawals outside the grace period - 23.99 - 39.99% per annum;
– the likelihood of refusal to issue a card by the Bank without explanation.