Since in the vast majority of banks, taking a revolving loan is an alternative name for a credit card. You can get it right on the day of applying for a passport (without proof of income). Moreover, this issue is simply solved for owners of salary cards of the same bank where the borrower draws up a card. Having a stable income will be the best guarantee for a financial institution. In fact, when signing a double contract in one bank (on a payroll and on a credit card), one additional item is indicated. It states that in the absence of the required monthly payment and the formation of overdue debts, debiting from the salary card will be automatic. Namely, without obtaining additional consent from the client (if they are there, of course).

Credit cards by passport with instant decision

Now this banking product is available not only to the unemployed, but even to a person without a residence permit in the passport. The thing is that banks are interested in the maximum possible amount of lending. Here we are no longer even talking about risks, since the interest rate compensates for them. It is no secret that for those borrowers who are not able to confirm their income, the bank offers to issue loans at a higher interest rate.

If you want to receive funds in your hands urgently (in one day), then you should go to a bank branch and issue a card in several stages:

• Provide the available documentation (a photocopy of the passport along with the original).
• Write an application for a specific type of banking product.
• After that, a bank employee takes a picture of you along with the card.

Everything, after that the client receives a card in his hands and can, if necessary, withdraw money from it. In this situation, you should also pay attention to the fact that if you need to receive cash from the card, you should choose such conditions where the commission for cashing out is minimal. This is very important, since in some cases people do not pay due attention when familiarizing themselves with the terms of the CA. As a result, it turns out that the amount of the commission is greater than the amount that the person withdrew from the credit card.

This is how you can get a loan with a grace period in 5 minutes in 20 years. That is, if you return the funds within the specified period, you will not have to overpay for the use.

Apply for a credit card without a passport

Would you like to receive a card without a passport and without refusal? This will require an online application for a card with an overdraft of 50,000 rubles. This is for example, since it will be very difficult to get a loan for large amounts without proof of income.

The advantages that the online solution to the issue of revolving lending has:

1. You can get a card quickly, moreover, by mail, with home delivery (approval will take no more than 15 minutes).
2. Registration is possible from the age of 18.
3. "Instant" card is issued without a certificate from the place of work.

The situation, when the need for money has become the most burning issue, and no income is expected in the coming days, is familiar to many in Moscow and beyond. The option with a bank loan is dismissed immediately, because the money is needed now, and there is simply no time to wait until the issue of the possibility of granting a loan is considered, collect endless certificates and wait again until the money is issued. In such matters, credit cards with an instant online solution can help out a lot.

Features of instant credit cards

You can get credit money almost instantly by providing your passport. And that's it - you won't have to collect any more certificates. It is worth contacting the bank with the appropriate application, where on the same day it will be possible to issue an instant credit card.

The main features of this type of loan:

• the card is issued instantly, it will take no more than 30 minutes;
• the limit of funds is slightly less than that of conventional credit cards;
• the interest rate is usually slightly higher than that of standard credit cards;
• short period of validity;
• The grace period for using money is on average about 50 days.

All these indicators differ from bank to bank. Therefore, the client can always choose the best offer. The main condition is the absence of a negative credit history. Otherwise, if there are overdue payments in this or other banks, the card will be refused.

Is it easy to issue instant credit cards?

It doesn't take long to apply for a credit card. It is simple and extremely convenient, especially when there is no time to collect certificates and wait. The process of obtaining such an instant loan consists of the following steps:

• apply online to the selected bank, indicating your data from the passport;
• expect a decision on the application no more than 15 minutes;
• receive a notification where you can pick up a newly issued credit card. Interestingly, in some banks in Moscow, the courier can deliver it to the specified address (at the request of the client).

Where to apply for a credit card with a passport online in Moscow

Instant credit cards by passport can be obtained by contacting the bank directly. But this is inconvenient, it is much easier to apply online using the CreditZnatok service. Here you can choose the best offer from banks without leaving your home. Also, you can see the reviews of grateful customers who managed to use the service. Rather, fill out an application and get money that will help in solving important issues. No queues and endless waiting - just click the mouse a couple of times, enter your passport details and money at your service!

Contact banks whose programs provide for at least two basic conditions.

1. For registration, only a passport is required. That is, you do not need to spend time preparing additional documents. For example, income statements.
2. Applications are processed immediately. Accordingly, you can find out the verdict of the bank within a couple of minutes.

Another nuance that speeds up access to the funds of the credit limit is the issuance of a card. Some banks use instant plastic payment instruments. That is, you do not need to wait for its manufacture. An unnamed card is issued immediately after signing the contract for the entire period of its validity, or for the period of production of personalized plastic.

What is the minimum set of documents required to obtain a credit card?

If we evaluate all the existing offers of banks, then a passport of a citizen of the Russian Federation is enough to get a credit card. A large number of commercial structures provide the product in question only by providing one main identity document. Therefore, choosing the right offer is not difficult.

Can I get a credit card using a copy of my passport as I can't find the original?

No. Nothing can replace the original passport. Not any other document, not a copy of it. Even if it is notarized. To obtain a card, the provision of at least the original passport is a prerequisite in all banks of the Russian Federation.

The banking services market is full of competition in all niches. This applies even to such a narrow area as issuing credit cards with a passport through an online application. However, this direction is not as narrow as it seems at first glance. To find a suitable credit card, and even issued upon presentation of one digital copy of the passport and no more documents, you have to spend tens of minutes, or even hours, and even days. But we did it ourselves and offer users not to make extra efforts, but to choose one or more of the 8 credit cards below and submit to the bank.

Obtaining a Vostochny credit card with a passport

Basically, banks require from the client when lending at least 2 documents, or even more. But there are times when money is needed urgently, and there is simply no time to prepare a whole package of papers. Then those financial institutions help out, whose requirements for the borrower in relation to documentation are minimal. For example, East. This is a bank that issues a credit card exclusively on the basis of a passport with an amount in the account of 55,000-400,000 rubles.

The advantage of the product is the availability of cashback up to 40%. Lending is carried out for 5 years. After the interest-free period, which lasts 56 days, the borrower is obliged to pay interest - 11.5% per annum. The client does not pay for the annual maintenance and issue of the card. To obtain a card, you must leave an application on the site indicating personal information. An online decision is made instantly. If approved, the future cardholder must come to collect it at the nearest branch.

Does Tinkoff Bank issue credit cards with a passport?

Take a few minutes to fill out the questionnaire on the Tinkoff Bank resource, and you will receive a credit card with 300,000 rubles. The organization responds to applications promptly and . Lending is accompanied by a payment of 12% per annum. The Platinum credit card is a bonus credit card, since it provides a 30% return on purchases. The bank in the first year of use, as well as for the issue, does not charge a fee, however, from the second year, you need to pay a lump sum of 590 rubles.

During the LP, or rather 55 days,% is not charged. But this does not relieve the borrower of the obligation to make a monthly payment. Transfers are commission-free, which cannot be said about cash withdrawals (2.9% + 290 rubles). Lending is carried out on demand. You need a passport to get a credit card. It is handed over the next day, after the bank has issued a positive verdict by courier service or sent by mail.

How, with a passport, to issue a Halva installment card

With a Sovcombank card, known as Halva, you can make purchases profitably, because the store will pay the lender for the goods. You will not have to pay for the installment plan throughout the year. Sovcombank also provides a card with free service and delivery. Plus, up to 6% cashback is returned to the face.

The card can be used to pay in partner stores for building materials, groceries, furniture, electronics and other types of goods.

Another advantage is an additional income of 7.50%. It is charged if you buy at least 4 goods per month for 10 thousand rubles. and do not delay. Credit funds that are available on the card reach 350,000 rubles. The credit limit is renewable for 10 years. The borrower is a Russian citizen aged 20-75 years. To, you need to have a passport, to be employed. Fill out an application on the website and wait for the bank's verdict.

Is it possible to order a RaiffeisenBank card using a passport

RaiffeisenBank offers about 8 credit cards. The credit card "All at once" deserves special attention. By issuing it, you will have up to 600,000 rubles in your account. Demanding customers have the right to order it with an individual design. What other perks does it bring?

• fast issuance;
• 5% reward for all purchases made with the card;
• registration according to the passport;
• 52 grace days, not subject to interest;
• 1 point for every 50 rubles spent. + 300 bonus for newcomers (+ 200 points due to the birthday);
• free provision of an additional credit card;
• discounts from 4,000 Raiffeisen partners.

"All at once" implies the payment of interest in the amount of 29% per annum, service fees - 1,490 rubles. in year. When issuing cash from ATMs, 3.9% of the amount of the transaction and 390 rubles are charged. Russians 23-67 years old with a permanent job and an income of over 25 thousand rubles can take a credit card. and cellular. From the documents submitted: a questionnaire, a copy of the passport, a certificate confirming solvency (for new customers).

"What is a Quickcard"?

Bystrokarta is a special offer of the microfinance organization Bystrodengi. It allows you to remotely take quick loans in the amount of up to 100,000 rubles. Money is credited instantly through a mobile application or after calling the hotline 8 800 700-43-44 . Maintenance and issuance of the card are free.

Signing the contract obliges the borrower to have only one passport. Having received a card, you can use it both in the country and abroad for purchases, replenishment of electronic wallets. Issue conditions:

• adulthood, age limit 75 years;
• having a permanent income;
• Russian citizenship;
• filing an application.

You can pick up the card with a visit to the office or delivery by courier. Repayment is made using payment terminals, through the cash desk at the MFI branch, by bank transfer, by transfer using a bank card and personal account. Rate: 0.87-1% per day.

Simplified procedure for issuing a credit card at Renaissance

Another bank that only accepts applications with a passport is Renaissance Credit. It offers no less attractive conditions than its competitors:

• issuance on the day of application;
• limit reaching 300,000 rubles;
• free service and registration;
• quick decision making;
• relatively small rate: 19.9-29.9%.

In addition, the credit card holder is allowed to cash it out without limit on the amount. But for this operation you need to pay a commission of 2.90% and an additional 290 rubles. The monthly payment is equal to 5% of the debt. To attract customers, Renaissance provides an LP card without interest for 55 days. But this only applies to purchases. Plus, bonus points up to 10% are awarded. The credit limit is renewable.

The Classic card is the best loan product of Sberbank

If you need credit funds, you can request a MasterCard card from Sberbank with a credit limit of no more than 600,000 rubles. and BP up to 50 days. This card is used when shopping in a store, including online stores, cash withdrawals. "Classic" is issued as part of a bonus program, according to which the cardholder accumulates "Thank you" points and spends them in partner stores of the organization.

With each purchase, the bank credits back to the account 0.5% of the amount spent. The loan product is easy to arrange. For this you will need a passport. The card is valid for 3 years. It will be served for 0 rubles. The annual cost of the loan is 23.9 -25.9%. You need to pick up the card at the bank office.

With whom does he sign a loan agreement for the issuance of the Element 120 card by Post Bank

You can use the Element 120 credit card in trade and service enterprises, including online stores, for operations on self-service devices. The maximum amount that will be at the disposal of the client is 1,500,000 rubles. Post Bank offers the largest BP, namely 120 days. Payment for purchases is made without commission. If the debt is repaid on time and in full, the credit limit is renewed.

After the expiration of the LP, 22.9% per annum are charged. For cash withdrawals, the rate is 31.9%. In accordance with the amount of the monthly payment, it is necessary to pay 5% of the current debt to the bank. Additional bonuses include:

• purchase guarantee;
• assistance abroad;
• the possibility of insuring goods against theft, loss;
• Availability of the option "Auto redemption";
• change of payment date;
• delivery for 100 rubles.

A loan agreement with Post Bank can be signed by a person over the age of 18 who has a passport and Russian citizenship. In addition, the borrower must own a telephone, have work experience for 3 months.

What You Need to Know Before Applying for Passport Credit Cards Online

First, decide on the amount you need. Then choose the most suitable type of loan, you may not need a credit card. But, if you still need a credit card, choose the most suitable one for all your requirements and features. Consider, if possible, the maximum number of factors, so you can choose the most optimal plastic.

If you are interested in issuing credit cards according to your passport, to a greater extent with the aim of obtaining it quickly, use it. The decision to issue and accrue a credit limit on them is made in a matter of minutes.

How to get a card

After filling out and sending an online application, a representative of the bank of the selected credit card contacts the client, clarifies all the details, informs about the decision on the loan, and offers further options for the development of events. As a rule, there are several such options.

Credit cards occupy a significant place in the life of almost every person. This is a convenient tool for paying bills, making purchases, as well as borrowing money until payday. But it happens that you only have a debit card, and the money is needed urgently. Waiting two weeks for credit approval is too long. Our rating will come to the rescue. The interest rate in these options is higher than that of other large financial institutions, but the decision is made instantly, all you need is a passport.

These cards are issued directly at the bank office. As a rule, they are not registered, because it takes time to engrave a name and surname. A bank employee has a lot of blanks in the safe, which he can instantly draw up and issue to the client.

"Simply" (Vostochny Bank)

Conditions:

• rate: from 0% to 10%;

The decision on the card is made instantly upon contacting the bank office and providing a passport. Online application is not provided. The issue of a credit card is free, if there is a debt, its maintenance costs 30 rubles a day. Withdrawal limit - up to 100,000 rubles. per day and up to 1,000,000 rubles. per month. There is no additional fee for using terminals of other banks: this applies to both balance requests and withdrawals.

Annual interest is charged on the balance of own money in the account: 2% if there is more than 500,000 rubles left, and 4% - from 10 to 499,999 rubles. You can use your own money by crediting it to the card.

Vostochny Bank has a cashback service, through which you can return up to 40% of money for purchases made from partners. Specify the list of partners on the website or at the bank office. Bonuses come within 2-6 weeks. Also, bank news and up-to-date information on a credit card are sent using SMS notifications. Such a servant costs 89 rubles per month and turns on instantly by default. If you decide to cancel it, please contact the bank.

During the grace period, you only pay for servicing the card. The duration of this period is determined individually. If you do not repay the debt within the agreed time, a fine of 10% per annum will begin to accrue. For repayment, a minimum of 1% of the debt amount (plus money for maintenance) must be paid monthly. If you miss the mandatory payment, you will receive a large fine - 36.5% per annum.

To apply for a “Prosto” card, you must provide a passport to confirm your age: from 18 to 71 years old. Take this one, however, there are requirements for persons under 26 years of age: a mandatory work experience of at least a year. The client must have the citizenship of the Russian Federation and a residence permit, certified on the corresponding page of the passport.

"Travel" (Rosselkhozbank)

Conditions:

• rate: from 23.9%;
• credit limit: up to 1,000,000 rubles;
• grace period: up to 55 days;
• service cost: from 99 to 1,899 rubles.

When withdrawing cash from any ATMs and PVN, the commission is 3.9%. For ATMs of Rosselkhozbank in the first three months of using a credit card, the commission is 0%. For one session, you must withdraw at least 350 rubles. The withdrawal limit per day is 150,000 rubles, per month - up to 1,000,000 rubles. You can use your money. Account balance request costs 45 rubles (at third-party ATMs).

The credit card "Traveling" has a bonus loyalty program. For any purchases, special points are awarded, which can then be used to pay for travel tickets, car rentals, hotel rooms, and goods from the Ozon online store. In the first two months from the start of using the card, for every 100 rubles spent in general categories, 4 points are instantly awarded, as well as 6 points for every 100 rubles from the Travel category. See the bank's website for a complete list of categories. From the third month, the number of bonus points is reduced to 2 for the general and to 3 for "Travel". It is allowed to collect a maximum of 10,000 bonuses per month (they are valid for 2 years). You will learn about the status of the bonus account, as well as other operations with the card using free SMS informing.

To repay the loan, you must pay at least 3% of the primary debt monthly (plus accrued interest). If a payment is missed, the penalty will be 20% per annum. If the debt with interest exceeds the agreed credit limit, an additional penalty will be 40% per annum. To, use special services: it is much easier to operate with specific amounts than with interest.

The card is issued to persons aged 21 to 65 upon presentation of a passport. Registration in the region is not required. A certificate from the employer in free form will affect the adoption of an instant positive decision. He must confirm not your income, but the length of service: you need to work in one place for 4 months in a row. The total experience must be 1 year or more.

"Simple" (Geobank)

Conditions:

• rate: 0%;
• credit limit: up to 70,000 rubles;
• grace period: up to 1850 days;
• service cost: from 0 to 10,950 rubles.

Please note that for the first year of using the card, the credit limit is 15,000 rubles. It is increased to 70,000 by the decision of the bank's employees only from the second year.

Issue is free, maintenance - 30 rubles per day (free if there is no debt). You can use your own resources. If the account balance is from 10,000 to 499,999 rubles, interest is charged on it - 4% per annum. For a balance equal to or higher than 500,000 rubles - 2% per annum. Cash withdrawals from Geobank and other ATMs are free of charge, as is balance inquiry. You can instantly withdraw up to 100,000 rubles. per day and up to 1,000,000 rubles. per month.

The bank has a cashback service, according to which up to 40% of the amount spent with the bank's partners is returned to the client. SMS messages inform about the status of the bonus account, as well as other operations. The first month of using the service is free, then - 89 rubles. per month. You can request an extract with data on the money spent on your e-mail.

To repay, you must pay monthly at 1% of the debt amount (plus a service fee). If you do not repay the loan within the agreed period, the bank will charge a penalty on the credit card in the amount of 10% per annum for the entire period of using the loan, including the grace period. For further passes, the penalty will be 36.5% per annum.

For an instant positive decision, you must be over 18 and under 71. Show your passport with permanent registration in Russia. Income does not need to be confirmed, but the required work experience in one place is at least 3 months. Those under the age of 26 cannot apply for a credit card online.

"Credit" (Renaissance Credit)

Conditions:

• rate: from 24.9% to 45.9%;
• credit limit: up to 200,000 rubles;
• grace period: up to 55 days;
• maintenance cost: free.

This credit card also allows you to use your own funds. However, they do not charge interest. The rate of 45.9% per annum is valid only if you cash out credit funds. If the transactions are non-cash, the interest instantly decreases to 24.9-29.9%. You will be told the exact number when deciding whether to issue a credit card.

Cash withdrawals from ATMs and PVN of any bank are subject to an additional commission: 2.9% of the amount + 290 rubles. You can withdraw no more than 700,000 rubles per month. The bank sets the daily limit on an individual basis. SMS notifications inform about completed transactions, the cost of the service is 50 rubles. per month. It is instantly connected with the issuance of the card.

For customers there is a bonus program "Simple Joys". Money spent on purchases from bank partners is converted into points (1 ruble = 1 point). Bonuses can be used to pay utility bills, as well as replenish your mobile account. For repayment per month, you must pay at least 5% of the debt amount (minimum 600 rubles). If you violated one of the conditions of the loan agreement, the fine will be 20% per annum.

The card is issued to citizens of the Russian Federation aged 21 to 65 years. An income statement is not required, but be sure to bring your passport. For a positive decision, you must provide evidence of work experience at one place of work for at least 3 months.

Card Credit Plus (Credit Europe Bank)

Conditions:

• rate: from 25% to 39%;
• credit limit: up to 600,000 rubles;
• grace period: up to 55 days;
• service cost: from 0 to 948 rubles.

Issuing a card is free, maintenance is also free if you make purchases of 15,000 rubles or more every month. Otherwise, the service fee will be 79 rubles. per month. The card can be used as a debit card. Cash withdrawal from ATMs of Credit Europe Bank is subject to a commission of 4.9%, from other ATMs - 5.5%. The commission does not operate abroad. Requesting a balance at third-party ATMs costs 30 rubles. The minimum amount you can withdraw is 400 rubles. Withdrawals of 60,000 rubles from ATMs and up to 180,000 rubles from cash withdrawals are allowed on a credit card per day. SMS with information about the status of the account and transactions cost 59 rubles per month.

Along with the issuance of a credit card, the bonus program is instantly activated. For paying for goods and services in the categories "Clothing", "Cafes and Restaurants", "Cinema", "Beauty and Health" you get points in the amount of 5% of the spent money (1 ruble = 1 point). For purchases in other categories - 1%. Bonus limit - 5,000 per month. They are valid for a whole year, and you can spend them on purchases from bank partners.

To repay the loan, you must pay at least 2% of the debt amount per month (plus accrued interest and the amount for servicing the card). If the payment is missed, the penalty is 20% per annum. For subsequent delays, the fine increases to 59.9% per annum. If an unauthorized overdraft appears on the card (that is, you spent more than the amount of the approved limit), a fine of 109.5% per annum is instantly charged. For non-cash payments, the annual percentage is 25%, for other transactions, including transfers from one card to another - 39%.

For a positive decision, you must be over 18 years of age (confirmed by showing a passport). There is no upper age limit set by the bank. If the credit limit approved for you is below 350,000 rubles, you will not need to confirm your income, but you must provide evidence that you have been working at your last (current) job for at least 3 months. The decision does not depend on the presence of registration in the Russian Federation, bank employees do not look beyond the first pages of the passport.

Postal Express (Post Bank)

Conditions:

• rate: 0%;
• credit limit: up to 5,000 rubles;
• grace period: up to 720 days;
• service cost: from 300 to 3,900 rubles.

This credit card is well suited for those wishing to instantly receive a small amount of money. They release it for free. Maintenance costs 300 rubles per year, but no fee is charged if the card is not used for the entire period.

It is possible to use a credit card as a debit card. In this case, cash withdrawals at any VTB Group ATM are not subject to commission. Withdrawal of credit funds costs 300 rubles. For one operation it is allowed to cash out up to 5,000 rubles; per month, the amount should not exceed 30,000 rubles. A balance request at third-party ATMs costs 50 rubles. SMS with information the first 2 months are free, starting from the 3rd - 49 rubles. per month.

At least per month, you must deposit 10% of the credit limit approved by the bank. For a missed payment, a fine of 300 rubles; for the second and subsequent passes - 500 rubles. For an instant positive decision, you must provide a passport and be over 18 years old. Registration in the Russian Federation is optional. Work experience is also not required.

"With a grace period" (UBRD)

Conditions:

• rate: from 27% to 32%;
• credit limit: up to 299,999 rubles;
• grace period: up to 120 days;
• service cost: from 0 to 1,900 rubles.

This is one of those if you love shopping and do not agree to make them only from partners of a certain bank. 1% is returned for any purchases with no limits on the amount. Even from the largest spending you will receive a bonus. You can also use your own money, for which cashback is also credited.

The issue of the card is free, maintenance is 1,900 rubles per year. If you spend 150,000 rubles in a year, you will be refunded the entire amount for servicing a credit card. Any ATM withdrawals are subject to a 4% fee. You can withdraw at least 500 rubles. Information about transactions using instant messages costs 50 rubles. per month.

The decision on interest on a loan is influenced by proof of income. If you provide it, the interest per annum will be 27%. If not, 32%. A minimum of 3% of the loan debt must be paid per month. If a payment is missed, the penalty is 20% per annum. Citizens of the Russian Federation aged 21 to 75 can use the instant credit card issuance service from UBRD. Required work experience is at least 3 months in the last position. Of the required documents - only a passport with a residence permit.

Summing up

Among the advantages of such proposals is instant decision making and a minimum of documents required for this (often only a passport). With additional confirmation of income, the interest rate may be reduced. Also, many banks have a long grace period for which annual interest is not charged. You can pick up a credit card with bonuses and cashback that will allow you to save on many services.

The disadvantages include high interest rates, as well as large fines for breach of obligations under the loan agreement. not available on these cards. The percentage is fixed, and if the penalty has already been accrued, then it cannot be reduced in any way. Many banks charge a large commission for cash withdrawals. Therefore, choosing conditions that are comfortable for you, weigh the pros and cons of each offer well.