August 2019

The popularity of such a banking product as a credit card is growing rapidly every year. The conditions for their use and service are constantly improving due to the fierce competition among companies in the financial sector. Banks, in order to attract more customers, are creating more and more diverse and attractive loan products. In this article you can find out which banks are presenting the most profitable credit cards to their clients in 2020, as well as find out their main features.

What should you pay attention to when choosing a card?

Before proceeding directly to the description of the best banking products, you must first decide on the most important criteria, the combination of which will ultimately help you make a choice in favor of the best and most profitable offer.

When evaluating a particular credit card, it is necessary to consider and compare the following characteristics:

1. Grace period (grace period). This is a time period within which the credit card user can use borrowed funds free of charge, provided that the debt is fully repaid before the end of this period. As a rule, the grace period applies to non-cash transactions. However, some banks present. The average length of the interest-free period for the bulk of banking products is about 60 days. However, there are now offers on the market with a longer grace period - you can find out about them.
2. Minimum payment. Represents a mandatory monthly payment if you have credit card debt. Determined by a fixed percentage of the total debt as of the settlement date. The monthly payment for most Russian banks is equal to 5% of the total debt amount.
3. Cashback. An option that sets a certain percentage of return on spent funds. Each financial institution has its own cashback percentage. A huge variety of different credit cards offer various types of such returns depending on the area of ​​payment (some offer increased cashback for paying with a credit card at gas stations and in restaurants, some for purchasing clothes and shoes, and so on). The minimum cashback is awarded for absolutely any purchase (if such an option is provided on the card). The list of the best credit cards with cashback in 2020 can be found in the corresponding material.
4. Payment for annual card maintenance. There are cards with or without an annual service fee. However, you should not put this point at the forefront, since other conditions for a credit card with free service may be much worse than for a paid one. Here it is necessary to make a comprehensive assessment of all the main factors.
5. Commission for cash withdrawal from ATMs. This point must be taken into account by those who plan not only to pay with a credit card in stores or on the Internet, but also to withdraw money from it. Such people should opt for offers where there are no fees for withdrawing funds.
6. Payment for Additional services. Such services include mobile banking, SMS notifications, transfers to third-party financial organizations, replenishing card balances through terminals of other banks, etc.

Which bank has the best credit card?

Now you can go directly to the description of the most attractive credit cards provided by the country's leading banks. Below is a list of the TOP 6 financial organizations with better conditions by credit cards. From this list you can choose the most suitable and profitable credit card based on your needs.

Alfa-Bank - credit card “100 days without %”

Highest approval rate!

This card is one of the most profitable for withdrawing cash from ATMs. You can withdraw up to 50 thousand rubles per month from it without commission. It is noteworthy that the grace period for this card is valid not only for paying for goods and services, but also for the amount of cash that was withdrawn through an ATM, which credit cards of most other banks cannot boast of.

The interest-free period, as the name of the card implies, can reach 100 days. Interest on the loan starts at 11.99%. The maximum amount of credit is 500 thousand rubles (for the standard version of the card). The minimum monthly payment is 3% of the principal amount of the debt, but cannot be less than 300 rubles.

A year of servicing a credit card from Alfa-Bank will now cost from 1,490 rubles. The price for SMS information services is 59 rubles per month, starting from the 2nd month of use.

To obtain the desired product, you can fill out an online application for a credit card through the appropriate form on the bank’s website. You can receive an answer within 2 minutes and go to the nearest branch to get your card.

Apply for a card

Rosbank - credit card for purchases “#120underZERO”

The main advantages of this credit card are a large credit limit and grace period. The maximum amount of credit funds can be 1 million rubles, and the length of the grace period is 120 days (applies exclusively to card payments), which is a pretty good result.

The card issue fee is 0 rubles, and the monthly service cost is 99 rubles (you will not have to pay if the credit card turnover exceeds 15 thousand rubles per month). Mandatory monthly payment is set at 5% of the principal amount. The minimum interest rate is 25.9% per year. The commission for receiving credit cash through any ATM is 4.9% plus 290 rubles.

The SMS notification service will cost 60 rubles per month (the first month is free). You can apply for a credit card on the bank's website. It will take no more than 5 minutes to review.

Apply for a card

Raiffeisenbank - credit card “110 days”

Until April 30, 2020, the card is running the “Cash without commission” promotion. If you issue a card before the specified period, then for the first 2 months you will be able to withdraw cash through ATMs of Raiffeisenbank and partners without paying a commission.

The credit limit on the card is quite large - up to 600 thousand rubles. The interest-free period is 110 days (does not apply to cash withdrawals). The interest rate, if the debt is not paid during the grace period, starts from 29% for non-cash transactions, 49% per annum for other transactions.

The monthly cost for servicing the plastic card is 150 rubles (however, if you spend more than 8 thousand rubles per month on the card using credit funds, the fee is waived). To use the service of notification of transactions via SMS, you will have to pay 60 rubles per month (starting from the 3rd month of use). The minimum monthly payment is up to 5% of the debt amount.

Attention, promotion!

Apply for a card

Those who apply for a card using the link below before 03/31/2020 will receive completely free service for the entire validity period of the card.

MTS Bank - profitable credit card MTS CASHBACK

This product is rapidly gaining popularity in the credit card industry. This is not without reason, because the conditions for this credit card are very tempting, and there is also a cashback program (5% return for purchases in special categories, up to 25% for purchases from partners, 1% for other purchases). The interest-free period has a time frame of 111 days (valid only for non-cash payments by card), and upper limit

the amount of credit funds is 299,999 rubles. The interest rate here starts from 11.9% (the maximum is 25.9% per annum). The minimum monthly payment is equal to 5% of the debt amount.

For issuing credit cash through a bank terminal, the commission will be 3.9% plus 350 rubles, both through MTS ATMs and through devices of third-party financial institutions. SMS alerts about transactions will cost only 15 rubles per month (you do not need to pay for the first two months).

Apply for a card

Another factor that speaks in favor of this credit product is that you can get a card from the age of 20 without proof of income. Monthly card maintenance is free. You can complete the order via the Internet - the application will be reviewed instantly and the credit card will be delivered to the required address (you can also pick up the card yourself at a bank office or MTS salon). The one-time payment for the release of plastic is 299 rubles.

Bank Vostochny - profitable credit card “Simply”

The main feature of this card is the daily fixed payment amount in case of card debt, which is 30 or 50 rubles (depending on the credit limit) - this model is ideal for short-term loans. Grace period - up to 1,850 days.

• Other plastic characteristics:
• the maximum amount of credit funds is 70 or 120 thousand rubles;
• loan rate - 20% after 60 months;
• cashback program - return up to 40% on online purchases in partner stores;
• there is no commission for withdrawing cash from an ATM;
• The grace period applies to any transactions.

To receive a card you need to submit an online application. The decision will be made within half an hour, after which you can pick up the credit card at any convenient branch.

Apply for a card

Otkritie Bank - credit card with a long grace period of 120 days

Another card with a very long interest-free period, which applies exclusively to non-cash purchases.

The main characteristics of the credit card are:

• length of grace period - 120 days;
• the maximum credit limit is 500 thousand rubles;
• annual rate - from 13.9%;
• commission for withdrawal of funds - 0% at any ATM (up to 200 thousand rubles per day, up to 1 million rubles per month);
• annual service price - from 0 to 1,200 rubles;
• the cost of SMS notification services is 59 rubles per month.

You can order a card online on the official website of Otkritie Bank.

Today, more than 50% of the population of our country have credit cards. This popularity is explained by their convenience and favorable terms of provision. With the growing demand, banks offer a huge list of credit cards of various types and types, which are easy to get confused. How to choose the right credit card and which credit cards are the best in 2020 will be discussed in the article.

What you need to know about credit cards

Due to great competition, banks are trying to lure customers by offering to issue a credit card on super favorable terms. However, before you agree and use this product, you should find out as much detailed information about it as possible and familiarize yourself with the offers of various banks.

A credit card and a personal loan are two completely different products. Here are their main differences:

• To apply for a credit card, you do not need to collect documents and wait for bank approval. Simply come to any branch and inform the employees of your desire to receive a credit card;
• A credit card is a renewable product. After repaying the debt, the money can be used again almost immediately;
• For using a consumer loan, the client pays interest; for using a credit card, in addition to interest, a service fee is charged, which can be from 400 to 6,000 rubles per year;
• The credit card has a limit that cannot be exceeded;
• Most credit cards have a grace period during which you can use the money without interest;
• For cash withdrawals from a credit card, the bank charges interest;
• There is no payment schedule indicating amounts and dates of payment. The debt can be repaid in installments at any time convenient for the client within the minimum acceptable payment (usually 5% of the debt amount per month). Thus, the person sets the payment amount and loan repayment terms independently.

Interest rates on credit cards are usually quite high. On average, around 20-30% per annum. Therefore, the ideal option would be to repay the debt during the grace period. For late payments and failure to make payments on credit cards, there are penalties and fines that are specified in the loan agreement.

What to consider before choosing a credit card

Before choosing a credit card, you should pay attention to the basic terms of the agreement. First of all, this is the length of the grace period. The larger it is, the more profitable it is to use the card. If your goal is to use credit money in a short time, then the grace period is the main criterion for choosing a credit card. Now some banks offer cards with a grace period of up to 120 days, which means that you can manage your money without interest for 4 months.

Another important indicator that you should pay attention to before choosing a credit card is the cost of annual maintenance. Some banks hold special promotions, offering not to pay for card servicing for the first year. At the same time, other conditions may be less favorable, since the bank does not want to remain at a loss. There are also opposite cases. For example, a bank offers a long grace period and a low interest rate, but the cost of servicing the card is inflated. That is why this indicator must be assessed in conjunction with all other terms of the loan agreement.

The next indicator is the credit limit. Usually its size ranges from 200 thousand to 1 million rubles. The importance of this criterion depends on how much you need. If you plan to use small amounts, the credit limit can be ignored altogether. If you need a substantial amount, choose a card with the highest possible credit limit.

Interest rate is one of the most important criteria that must be evaluated before choosing a credit card. The amount of overpayment, and therefore the profitability of using the card, depends on it. You can ignore the interest rate only if you plan to pay off the debt during the grace period. However, this does not always work out, so it is better to play it safe and choose a credit card with a low interest rate.

What makes a credit card profitable is the ability to get back the amount of interest on your purchase. The cashback percentage and the list of stores and establishments where it is credited are a very important criterion when choosing a credit card. However, you need to be careful when calculating how profitable the cashback system is. After all, partner stores can inflate their prices, and expensive card servicing and a high interest rate on the loan can cover the return rate.

Thus, before choosing a credit card, it would be correct to determine the most important criteria for yourself, depending on the purpose of using the card. Then you should consider the offers of various banks, based on the most significant indicators for yourself.

Best Credit Cards in 2020

Today you can get a credit card at almost any credit institution. Moreover, in one bank you can find several types of credit cards with different terms of use. Making a choice in favor of any one bank or credit card is very difficult, since it is impossible to calculate all the needs of clients and the nuances that influence the decision.

According to statistics and user opinions, the best credit cards in 2020 are:

A credit card is simple and convenient. It can be used to pay almost anywhere, and the conditions for using borrowed funds are beneficial for the client. Before choosing a credit card from a particular bank, you should consider the offers of several institutions and decide in favor of the most profitable product for yourself.

One of the most common types of loans is a credit card. Credit cards are cards issued by a bank; they are credited with a sum of money in the amount of the loan issued to you. They are very convenient and are a good substitute for the cash loans we are used to. This is a very convenient use of the loan amount both in Russia and other countries. With the help of credit plastic you can pay bills and purchases within the loan amount. The credit card limit is equal to the loan amount. The maximum loan amount is calculated based on your stable income and credit history.

A bank card is a good substitute for cash. This is very beneficial as in Everyday life, and for trips to other countries (if there is a VISA distinctive sign on the card). Plastic cards are very modern method calculation. On this moment There are about one hundred and twenty million plastic cards in use, half of which are credit cards. With a credit card you can withdraw cash if necessary.

Which bank should I choose a credit card from?

To obtain a loan, you should carefully study the issuance features of each bank and choose a more suitable non-cash loan just for you. Each credit card has a different level of service. They are divided into several main categories: a standard card, a card marked “gold”, and, of course, a platinum card. Each of them has its own characteristics.

For a bank to issue a large loan amount, they usually check the ability to repay on time. To begin with, the bank will provide you with a non-cash loan for a small amount, and then, if the required amounts are repaid well within a period of up to one year, the bank, after evaluating the payment system, considers a higher loan amount and a longer grace period.

When traveling to other countries, you will be able to pay bills in the required banknotes; the bank will automatically make the conversion. With the card, you can pay for various services both in Russia and abroad. The list of such services includes:

• Purchasing tickets from airlines;
• Shopping in stores;
• Payment of bills in restaurants and cafes;
• Payment for sports club services;
• Payment for services of travel agencies, etc.

Credit card holders have 24/7 access to their account.

Advantages of ordering a credit card online:

• The size of the maximum loan amount is determined when choosing a specific tariff.
• Delivery of a credit card to the home, at the established and agreed time between the bank operator and the borrower.
• A loan can be obtained not only from a bank, but also by filling out an application online.
• Free registration of the card, with its subsequent issuance.

Payment of credit card debt is made both at the bank that issued you the credit card and using an ATM that accepts cash. You can also pay the debt by transferring funds to the card using another bank card of any bank in Russia. There is no penalty for repaying the debt when paying in cash.

Types of credit cards without interest

It is also possible not to pay interest on the loan; to do this, you need to repay the entire amount of the debt. loan agreement before the end of the current payment period. This method is only available for cashless payments. For using cash, you will need to pay the interest rate specified in the bank’s agreement with the borrower. When traveling to other countries, you will be able to pay bills in the required banknotes; the bank will automatically make the conversion.

Withdrawing cash from a credit card

Withdrawing cash from a credit card is as easy as making a payment by bank transfer. To do this, you can use an ATM. You can withdraw an amount not exceeding the credit card limit. For cash withdrawals from a credit card, a fee ranges from 1.5 to 5% of the amount issued, depending on the borrower's credit card.

Conditions for issuing a credit card using a passport

To make a decision on the possibility of issuing or refusing a loan, the bank conducts a serious check of the person issuing the credit card. This process is called underwriting. For clients of this bank, a simplified verification method applies.

When receiving a credit card, persons living in Moscow must have a permanent job, with a minimum income of 15 thousand rubles per month. Under these conditions, with a good credit history, the bank issues a minimum loan amount. For residents of other regions, the minimum salary should be no less than 10 thousand rubles. If official earnings are less than the required amount, the bank may consider having a good car in private ownership - which will become a guarantor of solvency. Requirements for lending are not much different from the requirements that are provided for issuing consumer loans.

It is also necessary to remember that you will not be able to transfer funds from the card to other bank accounts. With a credit card from any bank in Russia you can pay for all possible services, make purchases and, if necessary, withdraw cash.

Bank requirements for cardholders

• Mandatory repayment of the required part of the funds within the period specified in the bank’s agreement with the borrower.
• Make a monthly payment to minimum quantity(can be added in several parts).
• With a minimum loan repayment, you must pay interest on the loan (accrued until the partial debt is repaid).
• Compliance with the exact time of repayment of the required amount.
• Payment of interest for the total use of the loan amount.

The minimum payment must be made within the exact deadline set by the bank. This period is a payment period. Most often, this period lasts for twenty working days.

The obligatory cost for repayment includes both the principal debt and the entire interest amount. In addition, you will be charged an amount to pay for card servicing (service fee). In case of early termination of the agreement to use a credit card, the amount in the amount of the annual commission is not returned to the borrower.

If you fail to pay your debt on time under the loan agreement, you will also be charged a commission. Also, a commission is charged if you exceed the amount spent as specified in the exact limit. The commission is provided for several more cases. These include cash withdrawals from a credit card, as well as transactions performed in foreign currency. If you lose your card, you need to pay not only for the termination of all possible transactions, but also for a new card.

Hello everyone, the topic of today’s article is: “The most profitable credit cards.”

A credit card is a long-known way to improve your financial condition. Its main advantage is the ease of obtaining: for this, many banks only require a passport, and only a few financial institutions ask for more than two documents.

“Beneficial credit cards”?

Many readers of this blog have at least once in their lives resorted to applying for a credit card to solve financial problems. In most cases, difficulties, of course, were resolved, but a person is designed in such a way that he constantly wants more.

At some point, bank clients stopped agreeing to “regular” credit cards: they became more interested in cards with cashback, a grace period, free service and many other useful options.

Banks made a little fuss and introduced credit cards into their product range that meet the new needs of users. There are bonuses for purchases, free service, instant withdrawal, and in some places even cash withdrawals without commission (or with minimal fees). It is those credit cards that combine all the existing bonuses from the bank that I want to talk about today.

Should you replace your credit card?

It is quite possible that after reading the article you will have a question: which credit card is more profitable - the one you have now, or some profitable “credit card” from today’s review? Of course, there is no need to draw hasty conclusions, but it is worth considering: if you received your card several years ago, then the issue of switching should definitely be considered.

The fact is that the conditions for loan cards issued several years ago and for the products that are offered today differ radically. You can verify this by reading the TOP offers for credit cards from the largest Russian banks, which I prepared especially for you. So, let's go.

5 main criteria for the benefits of a credit card

Of course, before considering the most profitable banking offers, it is worth understanding - how is the benefit formed? What criteria should you focus on in order to choose the truly most worthwhile product? I tried to highlight the six most important parameters, primarily taken into account by potential holders of the most profitable credit cards.

No. 1. Loan rate

The main parameter, looking at which some users of banking services complete their study of the product, is the loan rate. Its value determines how much the bank will ultimately have to pay to repay the loan.

Simple example:

You took out a loan for 50 thousand rubles and can allocate 10 thousand rubles monthly to repay it. If the rate on your credit card is 26% (small for credit cards), then payments will stretch over 6 months, and in total you will have to pay 53,517 rubles. If you manage to get a card with a rate of 39%, then under the same conditions you will have to pay almost 2 thousand rubles more - 55,486 rubles.

That is why, when choosing an offer, you first of all need to focus on the rate - if it is high, and the accompanying expenses on the card are low, then the savings can be completely “eaten up”.

No. 2. Grace period

The next factor, which has almost the same importance as the loan rate, is the grace period (also called the “grace period”).

What is meant by this term? Everything is quite simple: while the grace period is in progress, the bank does not charge interest on the loan. Simply put, if you borrowed 50 thousand rubles and managed to repay it before the grace period expired, then you will pay back exactly 50 thousand rubles and not a penny more.

Since many banks today offer products with fairly long grace periods (2-3 months), many cardholders do not focus on interest rate, but on how long this very grace period lasts.

Indeed, even if the rate is exorbitant, if you can use the funds for free for several months, what does it matter? But keep in mind: each bank calculates the duration of the grace period in its own way (I talked about all the nuances in a separate article: “”). Because of one small feature, the time until you can use bank money without interest may not be 55-60 days, but 2-3 times less.

No. 3. Service fee

The next parameter that you need to pay attention to when deciding which credit card is more profitable to take is the cost of service.

It can differ significantly for different cards: some banks do not take money for this at all, I wrote about them, some take a little (500-600 rubles per year), some raise the bar very high (up to several thousand rubles annually) .

However, even if you see a profitable “credit card” with a frightening cost of banking services, you should not be afraid: it is quite possible that if certain conditions are met, it will be free. The conditions may include, for example, the amount of purchases on the card, money stored on it, and others. As a rule, performing them (if you use “plastic” as the main one) is not difficult.

No. 4. CashBack size

Banks are forced to constantly improve their offers to make them attractive. One of the popular measures is CashBack (returning a small part of the purchase to the buyer).

The sizes of “purchase bonuses” are the largest for “credit cards” (which is not surprising, given the fact that credit cards are most often intended for purchases). It is impossible to describe the CashBack conditions for different cards from different banks at once: they differ too much in size, stores where you can get CashBack, and other parameters.

The only thing that can be noted is the benefit of special, narrowly themed offers. Some banks have cards with cashback bonuses (very decent ones) not from several sellers, but only from one (large). If you often shop from him, then it’s definitely worth taking a closer look at the product.

The list of the best cashback cards can be found in this article: “”.

No. 5. Cash withdrawal fee

In general, credit cards are not intended for cash withdrawals (banks assume that customers will use them for purchases and payment for services), but this option is, of course, provided (albeit with, as a rule, high interest rates).

However, there is still a demand for an inexpensive service for withdrawing “paper” money from “credit cards”, and that is why cards designed specifically for this are in the range of offers of some banks.

TOP 7 most profitable credit cards

We talked about the main criteria. This means that nothing prevents us from moving on to solving the pressing question: where and which credit card is more profitable to apply for?

And a review of the 7 most advantageous offers from large Russian banks. Let's start with a comparative table:

Card No. 1. “Tinkoff Platinum” from Tinkoff Bank

If you believe the official website of the first (and largest) bank in Russia operating entirely via the Internet, the Tinkoff Platinum card is already used by 4 million residents of our country. Well, considering the favorable terms of use offered for it, this does not look fantastic.

Let's get down to specifics - the terms of service are presented in the list below:

• grace period - 55 days
• rate - 20−30% per annum (for cash withdrawals - 33−50%)
• cashback - 1% for any purchases, for “favorite” purchases bonus from 3% to 30%
• maintenance - 590 rubles annually
• delivery - free (by courier to a place convenient for the recipient)
• free replenishment at ATMs of partner banks.

The Tinkoff Platinum card does not have any specific advantages - after spending a few hours, you can find offers with large credit limits, rates that are lower than the Tinkoff product, with a long grace period. But why is the card popular? There are two main reasons for this:

• courier delivery (today such a service is provided by many banks, but it was Tinkoff who was the first to develop this area and managed to ensure that clients did not visit offices when receiving a “credit card” - this was highly appreciated)
• complexity (there are no obvious advantages, but everything is balanced - the card, in fact, has no serious disadvantages).

The service for repaying other loans also contributed to a sharp increase in the number of people using a card from Tinkoff Bank. The bottom line is this: Tinkoff repays the client’s loan from another bank with its own funds and then receives its money back on much more favorable terms for the cardholder. If you successfully use this option, you can save several tens of thousands of rubles.

A short summary: if the balance of all card parameters is important to you, and you also value your time, “plastic” from Tinkoff Bank is the best offer for you. Once you receive the card, you will join the club of 4 million happy Tinkoff clients and will use the bank’s money on very attractive terms.

Card No. 2. “Visa Classic 100 days without %” from Alfa-Bank

The advantage of the next card that I want to talk about is clear from the name - Alfa-Bank plans to attract customers with a long grace period.

The institution offers cardholders the following conditions:

• credit limit - up to 300 thousand rubles
• grace period - 100 days
• rate - from 23.99% per annum
• maintenance - from 1,190 rubles per year
• minimum payment - 5% (minimum - 320 rubles)
• cash withdrawal commission - 0% up to 50,000, then up to 5.9%

Of course, other service conditions are worse than those of the same Tinkoff Platinum card. But this is not what Alfa-Bank takes advantage of: what difference does it make, what is the rate, if you can manage to repay the entire debt during the grace period and immediately start counting a new one? And spending 1000 rubles per year on maintenance (less than 100 rubles per month) is also not a problem. The only thing that confuses me is the fee for withdrawing cash, but it is high for almost all “credit cards” - if you plan to use “paper” money, it is better to get a card specially designed for this.

“Visa Classic 100 days without interest” is an excellent choice if you plan to repay your debt on time. It’s convenient to do this: the whole process takes a few clicks in Alfa-Click and takes a couple of minutes. The application itself tells you how much you need to pay and how many days are left until the end of the interest-free period.

Another useful “option” of the card is free replenishment from accounts opened in other banks. It’s very convenient if you don’t use a “credit card” as your main card: you don’t need to pay any fees or go to ATMs, withdrawing money from one card and depositing it on another.

If the most important condition for you in a credit card is a long grace period, I recommend that you take a close look at the Alfa-Bank offer - perhaps it is the most profitable for you. Well, I move on to the next profitable credit cards.

Cards No. 3−4. " Halva" from Sovcombank and "Conscience" from Qiwi

Installment card is a new word in lending. How do they differ from ordinary “credit cards”?

Using an installment card, you can “shift” the payment of interest on the store to the bank. That is, you just come to the store, choose a product, pay, and nothing is debited from you upon purchase, and you pay the required amount (equal to the purchase price) after a month, two months or another period. When using an installment card, the store itself pays interest to the bank.

Of course, you can use such a card without paying interest only at certain merchants. They are included in the list of partners of the bank that issues the card and are described in detail on the issuer’s official website.

Today in Russia there are two installment cards available - these are “Halva” from Sovcombank and “Conscience” from Qiwi. The conditions for them are different: different lists of partners, different credit limits (Sovest has 300 thousand rubles, Halva has 350 thousand rubles), the ability to withdraw cash (Conscience does not have it and Halva has it).

What the cards have in common is that their service in both cases is completely free. You also do not need to pay money for using the Mobile Bank and repaying the debt (regardless of when this was done - before the expiration of the preferential payment period or after its completion).

In general, both “Conscience” and “Halva” made a real revolution in the Russian credit card market. People realized that it is not at all necessary to pay interest on purchases themselves - the store can do this too. You can read more about the conditions and features of each card in separate articles (“ ”, “ “), but I’ll move on to the next review.

Card No. 5. “Matryoshka” from VTB 24

Which bank is the best to get a credit card from? Of course, in a large and state-owned one! Confirming this thesis, VTB 24 recently released the Matryoshka card - one of the most profitable credit cards on the Russian market today.

The terms of service are listed below:

• credit limit - up to 350 thousand rubles
• loan rate - from 24.9% per annum
• cashback - 3% on any purchases
• cost of service - free (first year, then - free with a turnover of 10 thousand rubles per month or more)
• grace period - up to 50 days
• debt repayment from accounts in other banks without commission.

Without a doubt, the card is excellent. Clients who manage to obtain such a card receive not only a loan on fairly favorable terms (25% is far from the highest rate), but also a very large one (in this component, Matryoshka beats all its competitors).

If you plan to frequently make purchases using a credit card, you should definitely take a closer look at Matryoshka - the card will not only not cause unnecessary overpayments (if you meet the grace period and spend 10 thousand rubles), but also generate income through cashback .

True, there is a nuance that must be taken into account when using the card; we are talking about a lengthy registration procedure.

If other “credit cards” can be received in less than a day, then “Matryoshka” will have to wait almost two weeks. The procedure looks like this:

• filling out an online application and submitting it for consideration
• examination of the application by specialists (3 working days)
• collecting documents, visiting the office
• receiving a final decision (7 working days after visiting the office)
• going to the branch, getting a card.

For a long time? Yes. Troublesome? Yes. Really? Yes, too - if you provide all the necessary documents (and you need papers confirming your income - for example, a 2-NDFL certificate) and prepare to wait, then the card will definitely become yours. Well, the benefits from its use will pay for all your grueling procedures many times over.

Card No. 6. Credit card from Renaissance Bank

Which banks have the best credit cards? Many people will probably mention Renaissance Bank in their answers. They will do this for good reason: the bank really has a very interesting offer for credit cards.

It is called very simply - “Credit card”. The conditions are also very simple and understandable:

• credit limit - up to 200 thousand rubles
• interest rate - from 24.9% per annum
• grace period - up to 55 days
• service - free
• “Simple Joys” program (you can return up to 10% of the purchase price with bonuses; if you accumulate a sufficient amount, they can be exchanged for real money)
• Cash withdrawal is paid (commission 2.9%, minimum 290 rubles)
• free Internet banking

The product is intended primarily for those who need money here and now. The bank is ready to produce a card and deliver it to the desired branch on the day the application is received. At the same time, no special requirements are imposed on the borrower: he must provide two documents (one - a passport, the second - any other, even another card will do) and prove that he has an income of at least 8 thousand rubles monthly (for Moscow and Moscow Region - 12 thousand ).

What is more profitable: a consumer loan or a credit card? - 7 comparison criteria

But is it worth limiting yourself to just credit cards? After all, there are other ways to get a loan from a bank. The most popular, of course, are credit cards and consumer loans. Read below about which is more profitable and better.

First of all, you need to understand - what is the difference?

Fundamentally - in one : if a loan is issued one-time, then a “credit card” assumes use throughout the entire validity period (in this case, taking out a loan and repaying it can be done many times). In addition, if the borrower is not given any tangible media when receiving a loan, then when applying for a card, the client receives a plastic card.

To decide which is more profitable - a credit card or a cash loan, you need to understand what criteria to use to evaluate. I suggest the following:

• loan rate
• return period
• client requirements
• loan size
• payment schedule
• loan servicing costs
• safety.

Let's consider 7 profitability criteria in order.

Criterion No. 1. Loan rate

Here the advantage is on the side of consumer credit. The rates on it are 5-7% lower than on a credit card.

True, there is a nuance here: there is no grace period for a regular loan, while there is one for credit cards. If you manage to repay the debt before the grace period expires, then the advantage goes to the side of “credit cards” - it turns out that you can use them completely free of charge.

Criterion No. 2. Return period

For this component, consumer loans are repaid - they are usually issued for several years (and credit card loans must be repaid in 3-4 months).

However, some people need a loan for a short time, and here the card becomes more profitable.

Criterion No. 3. Client requirements

It all depends not on the type of loan, but on its amount. Today, for credit cards and small consumer loans (up to 100 thousand rubles), banks present identical requirements (two documents, proof of income).

If you want to get a larger loan, you need to provide proof of employment and a certain stable monthly income.

Criterion No. 4. Loan size

For credit cards, loans are limited to a credit limit, which rarely exceeds 300 thousand rubles.

As for consumer loans, their amounts can reach several million (and start from several tens of thousands).

Criterion No. 5. Payment schedule

An ambiguous criterion: if for consumer loans it presupposes predetermined repayment amounts and terms, then for a “credit card” this is controlled by the holder himself.

This can be both good and bad: it all depends on the client’s financial situation and his discipline.

Criterion No. 6. Loan servicing costs

In the case of a consumer loan, they are usually included in the payments. With credit cards the situation is different: all expenses (for example, card servicing, fees for transferring funds) are paid additionally.

Criterion No. 7. Safety

Another criterion by which consumer loans win. The risk when using such a loan instrument is associated only with possible robbery on the way to the place of loan repayment.

There are many more dangers when using a credit card: money from the account can be stolen (for example, during online purchases), and the plastic card can be blocked at any time.

In addition, the possibility of falling into a “financial trap” should not be underestimated: many who have a “credit card” think that money is always with them, as a result of which they are doomed to constant payments to banks.

To summarize this section, I want to say: it is definitely impossible to say which is more profitable - a consumer loan or a credit card. Most likely, the choice will depend on the following criteria:

1. Required amount. If it is small (up to 100 thousand rubles), then it is better to use a “credit card” - the repayment conditions are more loyal to the borrower, and getting a plastic card is easier than a regular loan (even if not by much). If you need more than half a million, then there is no alternative - only a regular loan remains.
2. Financial discipline. If you are confident that you can strictly comply with the terms of a consumer loan, use this tool. If there is no such confidence, it is better to use a “credit card” - the sanctions for late payment will be less significant (although you will be able to take out a little money).
3. The situation in the economy. Yes, the choice of tool depends not only on you - economic conditions can also influence the choice. If the economy is stable (inflation is low), it is better to use a credit card. There is a benefit in a consumer loan when inflation exceeds 10% per year - the amount of debt will decrease over time.

Conclusion and conclusions

The best credit cards that were presented in today's review are tools that will not only help you cope with temporary financial difficulties, but also receive tangible financial benefits.

Each card has its own competitive advantages, so it would be wrong to recommend just one of them. Depending on what is most important for you (rate, cashback, grace period or something else), the choice will be different.

When choosing a credit card for yourself, you don’t need to ignore the consumer loans offered by banks. It is quite possible that the conditions for them will be even more favorable than for credit cards.

Which credit card is the best? Reviews are what can also help you find the answer to this question. Be sure to browse the Internet

When searching for credit plastic, it is easy for a client to get lost among the interest, fees and requirements. We analyzed the parameters of popular products and compiled credit card ratings so that you can make an informed choice.

1.Tinkoff Platinum

Top credit cards couldn't do without an offer Tinkoff Bank. Tinkoff Platinum plastic gives the client the opportunity to choose: buy goods on credit or use installments.

• Grace period: up to 55 days (and up to 12 months when purchasing in installments, depending on the partner store).
• Interest rate: from 15 to 29.9% per annum when paying by card. If you withdraw cash, the rate is higher: 30-49.9% per annum.
• Minimum payment: up to 8% (the bank claims that more often it is 6%).
• Annual card maintenance: 590 rub.

Mobile and Internet banking are free. Pay 59 rub. per month you will have to pay for SMS notifications about card transactions.

Also included in the expenses is a commission for cash withdrawals - 2.9% +290 rubles. Additional card serviced free of charge.

An additional plus is the Bravo bonus program. The bank returns 1% for any non-cash expenses and up to 30% for purchases on special offers. Bonuses compensate for the cost of a train ticket or lunch in a restaurant at the rate of 1 point = 1 ruble.

Tinkoff offers to repay loans from other lenders using the card. There are no fees for transferring debt, and the client also receives a 120-day deferment on payments.

The plastic will be delivered to your home or work 1-7 days from the date of application. For registration you only need a passport.

2. “100 days without%” Alfa-Bank

The credit cards we review offer varying interest-free periods. The product “100 days without %” provides one of the longest.

• Credit limit: classic – up to RUB 300,000; gold – up to RUB 500,000; platinum – up to 1,000,000 rub.
• Grace period: up to 100 days.
• Interest rate: from 14.99%.
• Minimum payment: from 3 to 10% (minimum 300 rubles).
• Annual card maintenance: from 1490 to 6990 rubles.

Visa or MasterCard cards are available. Any version includes the possibility of contactless payment.

There are no special requirements for the borrower. The client must be an adult and have a minimum income of 5,000 rubles. per month (for Moscow – 9,000 rubles). All you need is a passport and a second document of your choice. For example: INN, SNILS, driver's license.

Another plus is the ability to withdraw up to 50,000 rubles for free. per month. A commission of 3.9% to 5.9% is charged on the excess amount.

Alfa-Bank's offer is the best credit card of 2020 according to many. To receive plastic, spend 10 minutes filling out the application, wait for the bank’s preliminary decision and pick up the card at a convenient branch.

3. Alfa-Bank Cash Back

You can return a maximum of 3,000 rubles per month. A prerequisite for receiving cashback is spending in retail outlets for an amount of at least 20,000 rubles. in 30 days.

The credit card is issued free of charge. You can withdraw up to 120,000 rubles from the card per month. In this case, you will have to pay a commission of 4.9% (minimum 400 rubles).

The requirements for the borrower and the conditions for registration are the same as for a card with an interest-free period of 100 days.

4. Platinum RSB

The Platinum card is attractive because it allows you to make purchases in installments up to 12 months.

There is a Cash Back program for plastic holders:

• 5% for purchases in three selected categories (gas stations, cinema, gifts, cafes and restaurants, taxis, Jewelry, theaters and concerts);
• 1% for other expenses.

Card users return up to 15% of the amounts spent with the bank's partners (Lamoda, Cherepaha, Shokoladnitsa, Russian Bouquet, Alex Fitnes and others). There are also bonuses on the travel.rsb.ru portal.

For the first 60 days from the date of signing the agreement, cash is issued without commission at any ATM. Then you can withdraw only 10,000 rubles for free. per month. If you want to large sum, you will have to pay a commission of 2.9% + 290 rubles.

Citizens of the Russian Federation aged 21 to 65 years, registered in the region where the bank operates, can take advantage of the bank’s offer. To apply, you will need a passport and a second document: international passport, SNILS, driver’s license or pension certificate.

5. Renaissance Credit credit card

• Credit limit: up to RUB 200,000.
• Grace period: up to 55 days.
• Interest rate: from 19.9%.
• Minimum payment: 5% (minimum 600 rubles).

For notification of all transactions via SMS you need to pay 59 rubles. per month. Receiving cash is also accompanied by a commission of 2.9% + 290 rubles.

The ideal borrower for the bank is between the ages of 21 and 65, officially employed for at least 3 months. The permissible monthly income for the regions is 8,000 rubles, for Moscow – 12,000 rubles. To apply for plastic, you will need a passport and a second document of your choice: driver’s license, international passport, education diploma or personal bank card.

The Simple Joys program helps you accumulate bonuses. Renaissance Credit returns 1% of the amount of any purchases and 10% on promotional categories. The list of categories with increased accrual is updated every month. Bonuses are converted into real money at the rate of 1 bonus = 1 ruble.

When the accumulated bonuses exceed 100, they can be exchanged for the full or partial purchase price in a special category. Another option: pay for housing and communal services or a mobile phone.

6. “#EverythingAt Once” Raiffeisen Bank

• Credit limit: up to RUB 600,000.
• Grace period: up to 52 days.
• Interest rate: from 29 to 39% depending on the category of the client.
• Minimum payment: 5%.
• Annual card maintenance: with an individual design - 1990 rubles, classic - 1490 rubles. in year.

• Credit limit: up to RUB 1,000,000.
• Grace period: up to 101 days.
• Interest rate: 26% regardless of the type of transaction (payment by card or cash withdrawal).
• Minimum payment: 3%.
• Annual card maintenance: free if the amount of purchases on the card exceeds 5,000 per month. If the conditions are not met – 249 rubles. per month.

The bonus option can be changed every month. The lender offers categories to choose from:

• up to 2.5% cashback for any purchases;
• up to 10% cashback in the “Auto” category;
• up to 10% cashback in the “Restaurants” category;
• “Collection” – up to 4% bonuses;
• “Travel” – up to 4% in miles;
• “Savings” – up to 8.5% on the balance of funds in the savings account;
• “Borrower” – up to 3% discount on the consumer loan rate, up to 0.6% discount on the mortgage rate.

If you apply for a card on the website, you do not need to pay anything. A client who contacts a bank branch will pay 249 rubles. for service, but in the future the commission can be returned to the account.

For late payments and exceeding the credit limit, the bank charges 0.1% of the amount for each day of violation.

The required age of the borrower is 21-70 years. Income – from 15,000 rubles. To receive a card, you need to provide a passport and confirm your solvency. If the requested limit is up to 100,000 rubles, clients present a foreign passport or driver’s documents.

8. “Element 120” Post Bank

• Credit limit: up to RUB 500,000.
• Grace period: up to 4 months.
• Interest rate: 27.9%.
• Minimum payment: 5%.
• Annual card maintenance: 900 rub. from the second year of service.

Own funds are issued at bank ATMs without commission. In other cases, the fee will be 5.9% (minimum 300 rubles). You cannot receive more than RUB 100,000 in cash. per day and 300,000 rubles. per month.

Activating the “Change payment date” service costs 300 rubles, the “Auto repayment” service costs the client 29 rubles. in one operation. The commission within the framework of “Repayment from card” is equal to 1.9% of the transfer amount (minimum 49 rubles).

SMS notification after two months of use is also paid (49 rubles per month). The bank will inform about the missed payment in the first 4 months of non-payment:

• in the first month for 300 rubles;
• the other three for 500 rubles.

A borrower over the age of 18 must officially work for at least 3 months and reside (with registration) in the territory where the bank operates. There is no need to confirm your financial situation with a certificate.

9. MasterCard Standard of Sberbank

When choosing which credit card is the most profitable, consider the offer of Sberbank of Russia.

• Credit limit: up to RUB 300,000.
• Grace period: up to 50 days.
• Interest rate: 27.9%.
• Minimum payment: 5% (minimum 150 rubles).
• Annual card maintenance: 750 rub.

The card is valid for 3 years.

You can withdraw no more than 50,000 rubles per day. at an ATM and 150,000 rubles. at the register. If the client contacts Sberbank for this, the commission will be 3% (minimum 390 rubles), in “foreign” ATMs - 4% (at least 390 rubles).

Valid for clients. Bonuses can be exchanged for entertainment, travel, coupons and discounts.

You can apply for a card on the website or at any bank branch. The borrower only needs a passport.

10. Vostochny Bank credit card

Review bank cards Let's supplement with a copy of the Eastern Bank.

• Credit limit: up to RUB 300,000.
• Grace period: up to 56 days.
• Interest rate: from 29% to 78.9% depending on confirmation or non-confirmation of income.
• Minimum payment: 1% (minimum 500 rubles).
• Annual card maintenance: free.

Registration and re-issuance of a Visa Instant Issue card costs 1,000 rubles. The issuance of a classic card does not require payment.

Withdrawing cash from your ATM using your credit limit implies a commission of 4.9% + 399 rubles. Own funds are cashed out at someone else's ATM for 90 rubles, credit funds with the same commission as at the Vostochny ATM. The limit on withdrawals per day is 150,000 rubles, per month – 1,000,000 rubles.

SMS banking costs 89 rubles. per month.

Vostochny returns 1% of the money spent in the form of cashback. 5% is charged for purchases in bars, cafes, restaurants, cinemas and household appliances stores.

The affiliate program allows you to return up to 40% of the purchase amount in online stores. The maximum you can get is 30,000 rubles. in year.

The acceptable age of the client is 21-71 years. Proof of income and employment within 3 months will be required. last place work.

Summary

Let's summarize using the table

the table will scroll to the right

Map	Max. credit limit, rub.	Grace period, days	Bid	Min. payment	Maintenance cost per year, rub.
Tinkoff Platinum	300 000	up to 55	from 15 to 29.9% (cash – 30 - 49.9%)	up to 8%	590
"100 days without%" Alfa-Bank	300 000 - 1 000 000	up to 100	from 14.99%	3-10%	1190 - 6990
Alfa-Bank Cash Back	700 000	up to 60	from 25.99%	5%	3990
Platinum RSB	300 000	up to 55	from 21.9%	3%	499
Credit card Renaissance Credit	200 000	up to 55	from 19.9%	5%	for free
“#EverythingAt Once” Raiffeisen Bank	600 000	up to 52	from 29 to 39%	5%	1490
"Multicard" VTB	1 000 000	up to 101	26%	3%	free (with conditions) or 3000
"Element 120" Post Bank	500 000	up to 120	27,9%	5%	900
MasterCard Standard of Sberbank	300 000	up to 50	27,9%	5%	750
Cash Back Bank Vostochny	300 000	up to 56	from 29 to 78.9%	1%	for free

Best materials

• You were issued an unsolicited credit card: what to do to avoid becoming a debtor?

  Banks use various marketing strategies to provide their credit cards to the maximum number of people - they issue cards in addition to other products and even send them by mail. What to do if you did not order a credit card, but received one, read the article.

• Banks with the largest selection of credit cards

  Credit cards come with and without interest, with cashback, interest on the balance and without these options, with individual and standard design, simple and premium. In this article we have collected banks that offer customers the largest selection of credit cards.

• Subtleties of using Alfa-Bank credit cards

  Credit cards have long ceased to seem like something exotic and have become commonplace. However, behind the beautiful wrapper of the proposed benefits, troubles can also be hidden. Let's see what's hidden behind the fine print of one of the largest banks in Russia - Alfa-Bank.

• Apple Card: a unique project or much ado about nothing

  On March 25, 2019, Apple announced the launch of a new project - the Apple Card credit card. In this article we will tell you about the features of this product.

• Review of Alfa-Bank credit card “100 days without %”

  Alfa-Bank is ready to provide free finance for up to 100 days to borrowers who have received a popular credit card. Read the article on how to take advantage of the offer.

• Home Credit Bank installment card: freedom for free and for money

  In the banking products market, the offers of installment cards can be counted on one hand. These include the Freedom Bank Home Credit installment card. We will tell you what features this plastic has and how it can be designed in this article.

• Review of Eastern Bank credit cards

  Vostochny Bank offers a line of credit cards that are tailored to various needs: cash withdrawals, online purchases, travel expenses, etc. Let's figure out which product should be chosen in this or that case.

• Review of Rosselkhozbank credit cards

  Rosselkhozbank offers a line of credit cards that are aimed at customers with different needs. Let's figure out which Rosselkhozbank card to choose.

Actual news

• Who is better

  Intesa is in the top 15 rating of the most reliable banks in the Russian Federation

  Forbes has published a fresh list of the most reliable banking structures Russian Federation. Bank Intesa took 14th position in the list. Rating indicators of the organization: volume of assets - 64 billion rubles, asset growth rate - 3.1%, capital adequacy - almost 16%, share of deposits in liabilities - 24%. Neighbors of the bank "Intesa" by

  March 20, 2020

• Changes in rates

  "DOM.RF" increased rates on ruble deposits

  Bank "DOM.RF" offers to arrange deposits at new, more favorable rates. The yield on the "Strategic" deposit currently reaches 6.4% per annum. The deposit is issued for 3, 6 or 12 months. The most attractive rate is provided when placing funds for 367 days. The deposit amount is from 100 thousand rubles. Top up your deposit with

  March 18, 2020

• Current

  The court declared Neklis Bank bankrupt

  Capital Bank has been declared bankrupt. This decision of the ASGM judge Valery Marasanov is posted in the file of arbitration cases. On the first working day of 2020, the regulator revoked the license of Neklis-Bank. The notice states that this credit organisation conducted operations with signs of asset withdrawal, and also violated regulatory and legal

  March 17, 2020

• Changes in rates

  UniCredit Bank has revised the terms of the Click savings account

  Currently, the maximum rate of return on the Click savings account is set by UniCredit Bank at 5% per annum. Income by maximum bet is accrued for an amount up to 100 thousand rubles. For larger amounts (but not more than 8 million rubles), the bank charges 2.5% per annum. In the Enter.UniCredit and Mobile.UniCredit systems, accounts are allowed

  March 16, 2020

• Fedor Bondarchuk is the official face of the Gazprombank brand

  Famous Russian director and actor Fyodor Bondarchuk became the face of a new advertising campaign and Gazprombank brand ambassador. The contract with Fedor Sergeevich was signed until the end of this year. Previously, there was no official ambassador for the GPB brand. The new advertising campaign of the financial structure will cover 16 TV channels. Planned

  March 04, 2020

• Changes in rates

  Credit Ural Bank revised mortgage terms

  9.5% per annum - at this rate you can currently get a mortgage loan from Credit Ural Bank for the purchase of “secondary” real estate. Loans are provided for a period of up to 25 years. Loan amount - from 100 thousand to 7 million rubles. Start-up fee - not less than 15% of the price of the real estate. Rate under the housing loan refinancing program

  March 02, 2020

• New Product

  Chelyabinvestbank offers to refinance a car loan

  At Chelyabinvestbank you can get a loan to refinance a car loan previously issued with a third-party bank for the purchase of a new or used vehicle. Loans are issued at a rate of 12.5% ​​per annum depending on the loan term, loan amount and other parameters of the loan agreement. To get the most

  03 Feb 2020

• New Product

  VTB offers to issue a car loan without collateral

  To obtain a car loan from VTB Bank, you no longer need to pledge the purchased equipment to a financial institution. The bank provides unsecured loans at a rate of 9% per annum. Minimum bid is provided to salary clients subject to the conclusion of an insurance protection agreement for the vehicle. Within the framework of the credit

  29 Jan 2020