A credit card is a popular banking product with which you can use borrowed funds. When the debt or part of it is repaid, the money is returned to your account and can be spent again. It is not easy to understand all the variety of such programs. The Banki.ru portal has selected cards with overdraft especially for you, which can be issued in Moscow.

The portal offers you to use a special form to search for a product that is beneficial to you. Here you can specify the desired credit limit in the currency you need, and also note the presence of a grace period during which interest on the use of borrowed funds will not accrue. Select what category of plastic you would like to receive. It is possible to select plastic according to its functional features: for example, only those that have contactless payment technology (PayPass, PayWave, etc.).

You can apply for the product you like directly on the Banki.ru website without contacting the bank directly. After receiving your request credit institution promptly checks it, issues a card and invites the client to come to the office to receive it, or even delivers a package of documents by courier. Then you can use plastic and enjoy its benefits.

This type of product is worth considering separately.

Take one like this online loan convenient because:

• You can get a response to your application instantly;
• a courier can deliver the card;
• when visiting the bank in person to complete the registration, you do not need to stand in line;
• Credit cards from popular banks have attractive conditions.

Limits depend on the terms of the promotion for the current loan product. Paying interest is also convenient - bank transfer or by depositing cash onto your card. Unlike a regular loan, cards have interest-free periods of use, that is, they allow you to use bank funds for some time without being charged according to the current tariff plan percent. If the user meets this deadline and repays the loan before the time expires, the overpayments will be 0 rubles.

Another interesting feature of this product: the ability to withdraw cash. The client can not only pay with a credit card in stores and restaurants or make purchases via the Internet, but also withdraw funds through ATMs (although this is not the most correct way to use a credit card, the main thing is the availability of such an opportunity).

Banks may have different tariffs for the use of funds and their withdrawal, cash. Usually, for cash withdrawals through ATMs, the interest rate is almost 2 times higher, but there are banks that offer cash withdrawals without interest on set amount and on more favorable terms.

After the grace period expires, the rate will be calculated from annual interest. As a result, the client will have to pay monthly interest for using the card. After full repayment Once the funds are used, the credit limit on the card is renewed - there is no need to contact the bank again and submit an application to receive the necessary funds.

Interest is paid only on the amounts actually spent. cash. If, after the grace period, there are still credit funds on the card balance, they will not be counted toward the total debt. The client pays only for the money that he managed to spend within the specified period.

TOP 5 banks where you can apply for a credit card online

We present the most convenient credit products from popular banks that offer favorable conditions to issue credit cards online:

1. Tinkoff.
2. Kviku.
3. Home Credit.
4. UBRD.
5. Renaissance Credit.

Each bank offers favorable conditions for online registration kart. You can quickly fill out online forms on the website. To do this, it is enough to have your passport or a scan of it (photo) at hand. Registration occurs without certificates and guarantors. When meeting with the courier or visiting the bank, you must provide an original identification document to confirm the applicant and the card will be issued to the client.

You should be careful, since not all banking products, especially credit, can be obtained by those aged 18 or with a bad credit history. When filling out an application, if the borrower's age is lower than that established according to the rules of the agreement, the provision of a credit card with the requested limit will be refused.

1. Tinkoff

The Tinkoff Platinum credit card is one of the most popular on the market banking services products. Except available conditions When issuing a credit card, processing takes no more than 5 minutes. After the application is approved on the website, the card will be sent to the applicant’s address by mail and free of charge.

The following conditions apply to the Tinkoff Platinum card:

• the provided limit is up to 300 thousand rubles;
• period of interest-free use of funds up to 55 days;
• monthly payment amount up to 8%;
• free replenishment of the card balance through transfers and cash deposits.

Additionally, there is a point system. It is used to encourage users to make purchases using the card more actively. The cost of 1 point is 1 ruble. They can be exchanged for money in your personal account.

2. Kviku

Virtual credit Kviku map a new product on the banking services market. What sets it apart from other similar offerings is that it is completely virtual. There is no need to wait for it to arrive by mail or be delivered by courier. Immediately after the application is approved, the user receives virtual details and can immediately start using the credit card.

It has the following terms of use:

• money limit up to 200 thousand rubles;
• cashback up to 30% for any purchases;
• grace period according to tariffs up to 50 days;
• service 0 rubles;
• loan payments 2 times a month;
• the annual interest rate is 21.9%.

The card is issued within 30 seconds after approval. The credit card is linked to mobile number phone number specified when placing the application.

3. Home Credit

Installment card from Bank Home Credit provides its users with the opportunity to purchase any goods by installment payments. After selection required object payments are automatically calculated to the client for the specified period.

The card has the following conditions:

• 3 months installment plan for any purchases;
• 12 months installment plan for purchases from bank partners;
• there is no possibility of transferring funds and withdrawing cash;
• SMS notifications are provided free of charge.

If the cardholder does not pay the amount within the established installment period for the cost of the goods, an annual interest rate of 29.8% will be charged until all borrowed funds will not be paid in full.

4. UBRD

The 120-day interest-free credit card has an extended grace period and will delight you with quick processing. You can receive a response to your application within 30 minutes from the moment it is submitted.

The following conditions apply to the card:

• if income is not confirmed, the limit is up to 60 thousand rubles and the annual rate is 32%;
• if income is confirmed – up to 150 thousand rubles and an annual rate of 27%;
• 1% cash back on all purchases;
• provision credit funds for up to 36 months.

The card is issued completely free of charge. To receive it, you must come to the specified office when the application is approved at the user’s location.

5. Renaissance Credit

You can receive a card from the bank at the age of 21. At the same time they act simple conditions to obtain approval. One of these is the amount of official income. For residents of Moscow and the region it is equal to 12 thousand rubles, for other regions – 8 thousand rubles.

The tariff for the card is:

• available limit up to 200 thousand rubles;
• renewable funds after payment of the entire debt amount;
• rate of 29.4% per annum;
• 55 days for purchases during the grace period.

For SMS notifications, a fee of 50 rubles is charged for 1 month. You can use online and mobile banking for free.

Find a credit card with the best conditions through the online website

You can apply for a card using your passport. Express issuance of the card is carried out within 1 to 7 working days from approval of the application. It is not worth submitting applications to all banks to receive the required amount of funds.

There are many in Russia advantageous offers, however, they may not be suitable for everyone. It is important to calculate the amount of interest for using the funds and how much you will actually have to pay per month for use, so as not to fall into a debt trap.

The most favorable conditions for using a credit card are provided by such banking products as:

1. Platimum from Tinkoff Bank.
2. UBRIR - Maximum card.
3. Conscience is a card of Installments.

They are subject to a limit of 30 thousand rubles and above. It all depends on whether the user’s income is confirmed and what the size of his salary is.

UBRIR - Maximum card

In addition to the low annual percentage (27) when confirming income, the bank offers its clients to earn money on purchases. So, for all transactions to pay for goods, at the end of the month a cashback of 1% is awarded.

The tariff for the card is:

• available limit up to 150 thousand rubles;
• when withdrawing cash up to 39%;
• interest-free period up to 60 days.

When withdrawing cash, there is a commission of 4% of the withdrawn amount.

Conscience - Installment card

After registration, you can receive the card by courier. To do this, you will need to provide a passport to verify all previously entered data.

The following tariff applies to the credit card:

• cost of issuing a card is 0 rubles;
• the card is valid for 5 years;
• maintenance cost per year is 0 rubles;
• available limit up to 300 thousand rubles;
• installment plan from 1 to 12 months;
• interest rate 0.03% per day.

The product is provided by QIWI Bank (JSC), which has an official license to operate. Minimum amount, which can be provided 5000 rubles.

Currently, most banks do not issue term loans and loans without necessary documents and checks. To get a regular loan, you need to collect a large package of documents and submit the appropriate application to the selected financial institution.

There are cases when money is needed urgently, and the processing period for such cases can last up to 10 days. An excellent solution in this situation is to issue a credit card with instant decision.

A credit card with an instant decision is a banking product that is issued in a short time using a minimum package of documents, has a high cash limit compared to microfinance organizations and extended payment terms.

How to apply for a credit card with an instant decision?

When registering an instant bank card, the client must present a passport and be over 21 years of age. In some cases, individual banks may require a certificate of employment or other document confirming work experience. For a new loan there are special offers with soft conditions in which only a passport is required.

Review of the submitted application takes from 20 minutes to 1 hour, after which the credit card is issued directly at the bank branch.

When submitting an application, please note that employees of some banks may require confirmation of solvency. In this case, you can provide documents for real estate or movable property. This will be insurance for financial institution. At the same time, the client who has issued such a card should calculate the credit load, since the debt must be repaid on time.

When applying for an instant credit card, the client has access to such a benefit as an interest-free period for using the money. The period is usually 25-60 days. Upon expiration, the interest rate established in the agreement is charged on the amount spent, so it is beneficial to return the money before the grace period expires.

Advantages

The main advantages when receiving instant card is the fast speed of consideration of the submitted application, and the minimum package of documents that the client needs.

Basically, instant decision credit cards are issued using a passport or other identification document. But there are cases when the bank may request other documents proving the client’s identity and solvency.

Also, in comparison with instant MFOs, credit cards have a large cash limit, which reaches up to 500 thousand rubles and a long validity period.

When applying for a credit card with an instant decision, the client receives a grace period during which he can use the money without accruing interest.

Some banks have launched a new system for partial refunds of spent funds. Under the terms of this program, the user who used credit card with an instant decision when purchasing a product or service, has the opportunity to return part of the funds to your account.

Tinkoff Bank credit card with grace period

Today, most clients prefer to use the services of Tinkoff Bank. The bank provides customers with excellent offers when issuing cards, such as:

• 55 days grace period;
• Large credit limit;
• Low annual interest rates;
• Refund system;
• High quality service.

During the grace period, the client can freely use the funds without paying any interest. What makes such plastic a completely free tool. The grace period is divided into two periods: in the first, the client makes purchases, in the second, the client pays off the funds spent.

Alfa-Bank credit card with instant decision

When applying for a credit card at Alfa-Bank, the client provides an identification document and then receives the card within a few minutes during a personal visit to the bank.

A plastic product from Alfa-Bank can also be ordered online with delivery. The product features are as follows:

• Grace period up to 100 days
• Large credit limit
• From 20% per annum
• There is a refund system
• High quality service

On this page we have collected for you best offers by credit cards. The big advantage is that they can be issued online in 5 minutes. Find out about the decision almost instantly and receive your credit card without providing proof of income.

Credit cards using your passport with instant decision

TOP 7 credit cards with the best conditions

Bank	Limit	Percent	Without % days	Bid
	300 000	up to 28%	up to 90 days
	300 000	from 12% to 29.9%	up to 55 days
	500 000	from 11.99% to 30.86%	up to 110 days
Credit Europe Bank	600 000	29,9%	up to 55 days
	299 000	30,5%	up to 120 days
	600 000	from 26.5% to 49%	up to 110 days
	1 000 000	from 25.9% to 59%	up to 62 days

Today, Tinkoff Bank, Alfa-Bank and Vostochny offer the most interesting and favorable conditions for credit cards. Each of their banks has its own advantages and disadvantages, but there are positive aspects that unite them:

1. You can apply online;
2. There is a grace (interest-free) period;
3. no commission for issue;
4. no income certificate required;

Renaissance Credit Bank is suitable for those who need a credit card urgently. You fill out an online application, find out the decision in 5 minutes - and pick up your card on the same day.

Alfa-Bank has more stringent requirements for clients, and the release of “plastic” will take at least 3 days. But here is the longest grace period - as much as 100 days without interest.

Credit card without proof of income

	Tinkoff Bank	Oriental	Alfa-Bank
Credit limit	Up to 300,000 rub.	Up to 200,000 rub.	Up to 300,000 rub.
Grace period	Up to 55 days	Up to 90 days	100 days
Registration and receipt	1-2 days	1 hour	1 hour
Free issue	Yes	Yes	Yes
Without income certificate	Yes	Yes	Yes
Cashback	Yes	Yes	No

The lowest interest rate is stated by Tinkoff Bank and Vostochny Bank, but you should not focus on the minimum level. The final percentage is still set individually; it depends on the client, his credit history and the documents provided. To find out your rate, it makes sense to submit online applications for credit cards to several banks at once.

For withdrawing cash from a credit card Tinkoff cards The bank and Renaissance Credit charge 2.9% of the amount plus 290 rubles. Alfa-Bank takes twice as much, but even when withdrawing cash, it “includes” its 100-day interest-free period.

Apply for a credit card

Apply for a credit card online at Tinkoff Bank

Main advantages:

• Loan amount up to 300,000 rubles
• Interest rate from 15% per annum
• Returns up to 30% points from any purchase
• Free card registration
• Delivery anywhere in Russia

Resume: key advantage Tinkoff Bank is that cards are opened here almost without refusal - even if you have a bad credit history. Another advantage of the bank is free delivery of the card to your home or office.

Credit cards using a passport at Vostochny Bank

Main advantages:

• Cash-Back up to 5%
• Loan amount from 55,000 to 300,000 rubles
• Loan term up to 60 months
• Minimum package of documents (passport only)
• Online decision making

Resume: One of the most loyal banks in our rating, to issue a credit card, you only need a passport, and the bank also charges interest on the balance own funds on the account.

Credit card without income certificates from Raiffeisen Bank

Main advantages:

• Submit an application and receive approval in 5 minutes without proof of income.
• A renewable credit limit of up to RUB 600,000 is always at hand.
• Use the card and do not pay interest when repaying the debt up to 52 days.
• Get back up to 5% on all purchases.

Summary: One of the few banks that are ready to issue a credit card without income certificates. The bank also allows you to choose your own categories of increased cashback.

Credit cards without refusal at Renaissance Bank

Main advantages:

• Card issuance and maintenance free of charge
• Credit limit up to 200,000 rubles
• Same day receipt
• Annual card maintenance – 0 rub.

Resume: The bank is very loyal to its current and future clients. He doesn't have the highest credit limit, but... free service during the entire validity period of the card.

Applying for a credit card online: procedure and requirements for the borrower

Now you don’t need to visit to order a credit card bank branch, spending personal time for this - just leave a request on the Internet. Our website has made your task easier by collecting the most optimal options offered by Russian financial institutions. To apply for a credit card, you don’t need to search for anything, submit an application to two or three banks, receive a personal offer, compare, and now you have cards with the best conditions in your hands.

Submitting an application: what needs to be done?

To apply for a credit card, you will need to complete the following steps:

1. choose the option(s) whose terms and conditions suit you;
2. go to the official website(s) of banks;
3. indicate your full name and telephone number (the latter will need to be confirmed by entering the password from the SMS message);
4. allow the system to process personal data;
5. enter data from your passport, date of birth, as well as addresses of registration and actual stay.
6. confirm employment. (if required)
7. enter information about your marital status, the number of children, as well as the presence of unclosed loans taken from other banks (the latter is carefully checked through the BKI).

After receiving approval, visit the bank and pick up a personalized credit card, taking your passport with you. You can do without going to the branch by ordering delivery of the card and a contract for its service by courier.

Issuing a credit card: what requirements does it entail?

Due to the widespread alternative ways lending, banks had to significantly reduce the requirements put forward to clients. Therefore, in order to receive a card, they will need to confirm compliance with a minimum number of conditions, including:

• Russian citizenship. The borrower must have permanent registration in the Russian Federation. At the same time, the requirements of creditors may vary: some put forward as mandatory condition residence in the region where the bank is located; others do not require connection to a branch.
• coming of age. The client must not be under 18 years of age. For older borrowers, loans are issued as long as they can prove their ability to work.
• official employment with stable monthly earnings. Unlike microfinance organizations, banks require clients to have a minimum length of service(3 to 4 months). Only on this condition can they be issued a credit card.

The website "Loans Online" contains a list of financial institutions in which the chance of being refused is practically reduced to zero. By the way, when you send an application to several banks at the same time, the likelihood of its approval will increase significantly.

The procedure for obtaining a card: what documents may be needed?

When filling out the application, you must have your passport at hand. In some companies, issuing a card is impossible without providing the following documents:

• driver's license;
• SNILS;
• international passports (in it they look at notes on trips abroad over the last year);
• personalized debit card;
• compulsory medical insurance policy;
• 2-NDFL certificate and a document confirming the position held (in case of issuing a card with a high limit).

Conditions under which credit cards are issued

There are slight differences in the rules for issuing cards, and this is due to different policies in banking institutions. Among others, we have selected options that differ in similar conditions:

• grace period for lending. During this period, the client can pay off debts without unnecessary overpayments, because during this time no interest is accrued. The creditor institution determines the duration and application of this period. Thus, its duration can vary from 55 days to 3 years, and it itself can only be used for a specific purpose ( cashless payment or making purchases from partner stores).
• accrual of interest at the end of the grace period. Meaning interest rate also varies depending on the bank’s requirements: the minimum is 10%, the maximum is 50%.
• mandatory payment minimum payment(if it is impossible to return full amount debt). As a rule, its size is approximately 3-8% of the debt.
• assigning a fine for missing minimum payment due to debt. Remember: your credit history will be hopelessly damaged if you do this regularly.
• release plastic card on a paid or free basis. Financial institutions that issue free credit cards charge fees for other types of services: work with loan debt, annual service, obtaining insurance, informing the client via SMS messages, etc.

Among other things, upon receipt of the plastic carrier, the client can apply for virtual card. It acts as an auxiliary tool that significantly simplifies the process of making purchases on the Internet. Many banks now offer this opportunity - don’t miss it.