Credit cards for pensioners can be divided into two categories: for non-working pensioners and for working pensioners. The second category of credit cards is issued on a general basis, the main thing is to fit into age restrictions. Most often, a card can be issued to a person under the age of 65 years. A higher bar is rare.

The first category is a special group of credit cards that can only be received by pensioners. Firstly, they may not have such stringent requirements as for the rest. Secondly, banks can lower the interest rate of the preferential category.

Since a pension is a stable income that banks always require, you can get such cards without refusal.

How to get a credit card for a pensioner?

Which banks issue credit cards to pensioners? A list of such credit institutions is available on our portal. It remains to choose the most suitable and profitable offers. The list can be sorted so that the cards with the lowest interest rates are shown at the top.

You can apply for a card for pensioners in the same way as for other loans:

1. Fill out an online loan application. If it is difficult for an elderly person to do this, you can call the call center and dictate the data.
2. The bank will process the information and notify the decision on the approved limit.
3. In order not to go to the bank, you can ask the bank employees to arrange delivery or receive a card by mail. The courier will deliver the credit card free of charge along with the loan agreement.

Reduce the cost of paying card debt

A Sberbank credit card for pensioners in 2019 can be more profitable than a consumer loan, because it can be used without interest.

In order not to wait for the day of receiving a pension each time, Sberbank can issue a credit card on special conditions for pensioners. If you use a credit card correctly, you can make your life much easier.

When using a Sberbank credit card, you must follow simple rules:

1. Do not withdraw cash from an ATM, but pay with a card for purchases in stores. This is important because commission for cash withdrawal from a Sberbank credit card in 2019 through a cash desk or ATM is:

- in Sberbank and subsidiary banks - 3% of the amount, but not less than 390 rubles.

- in other banks - 4% of the amount, but not less than 390 rubles.

1. Repay the loan on the card during the grace period (in Sberbank it is 50 days) and then you can use credit funds from the card without paying interest.

Sberbank credit cards for pensioners in 2019: terms of use

A Sberbank credit card can be obtained by pensioners under the age of 65. This requires permanent registration on the territory of the Russian Federation, as well as a total work experience of at least 1 year over the past 5 years and a period of work at the current place of work for at least 6 months.

It is especially beneficial to issue a credit card to those pensioners who receive a pension to an account with Sberbank. In this case, you can get a credit card on special conditions:

• the interest on the loan will be minimal (from 25.9 percent per annum),
• the cost of servicing the card will be zero.

This general terms and Conditions use of universal Sberbank credit cards for pensioners receiving pensions to an account with Sberbank. Most pensioners can benefit from the following Sberbank credit cards.

Instant credit cards Visa and MasterCard "Momentum"

Universal credit card with free annual service for Sberbank customers. Issuance on the same day.

Terms

Cash withdrawal limits:

Visa Classic and MasterCard Standard cards

Credit card with wide set banking services and low maintenance cost.

Terms

Cash withdrawal limits

• per day through a Sberbank ATM: 50,000 rubles.
• per day through the cash desk of Sberbank / other banks: 150,000 rubles.

Bonus program "Thank you from Sberbank": yes.

Visa and MasterCard Gold cards

Premium bank card with a wide range additional services, special offers and favorable terms of service.

Terms

Cash withdrawal limits:

• per day through a Sberbank ATM: 100,000 rubles
• per day through the cash desk of Sberbank / other banks: 300,000 rubles

Bonus program "Thank you from Sberbank": yes.

How to get a Sberbank credit card for pensioners

To issue a card:

• Contact the Sberbank office.
• Provide a set of documents required for issuing a credit card.
• Fill out and sign the application form for a card.
• The application will be considered within 2 working days, after which you will be informed of the decision of the bank.

You can also apply for a Sberbank credit card online. But you still have to go to the bank office.

Terms of use of other Sberbank credit cards can be viewed

The information is not a public offer. Learn more about the conditions for using a credit card from Sberbank employees.

Do you urgently need money for personal expenses, but a small pension does not allow you to get a loan in demand? In this case, you simply need credit cards for retirees. In 2019, such means of payment can be issued to applicants at a reduced rate without income statements and guarantors. Under current conditions, you can get retirement credit cards with a grace period in just a few hours.

How to get a credit card for pensioners?

A credit card for pensioners can be issued by persons over 64 years of age who receive government payments. The conditions under which credit cards may be granted are as follows:

• interest rate- from 15% per annum;
• registration according to the passport;
• grace period - from 55 days;
• registration without income statements.

You can get a card without refusal in a day. Banks will approve such a means of payment even for customers with a bad credit history.

Which banks issue credit cards for pensioners?

Nowadays, advantageous credit cards for pensioners are issued by almost all major banks in Russia. Most profitable terms registration of such means of payment can be provided by Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank. These credit organizations can be found in many regions, and an application for cards for both working and non-working pensioners is considered within a few hours. With home delivery, payment means Tinkoff, as well as Touch Bank, are issued. Favorable lending conditions for a working pensioner can be provided by Renaissance Credit.

How to find and apply for a credit card for pensioners?

Advantageous pension credit cards can now be issued without a visit to the bank. For this you need:

• Study the conditions under which preferential credit cards are provided to pensioners, choose the most profitable option for myself. Before making a decision in favor of one of the cards, it is advisable to study the reviews of other consumers on it.
• Go to the website of the credit organization and fill out the application form for the card. You can apply online for a credit card at any time of the day.
• Wait for the bank to approve the card for you.

If the credit organization makes a positive decision on your request, you will need to come to the branch with a passport and get a card. Tinkoff will send it to you by mail after you send him a scan of your own passport. On average, banks spend one hour processing such requests. If you refuse to issue a card in one credit institution, you can always apply for it in another.

Retirement age is not an obstacle to an active life and financial independence. Today's pensioners are often full-fledged participants in the credit market, not limited to traditional savings on a savings book.

One of the most popular banking products is, since, when used correctly, they allow you to flexibly manage expenses without overpaying extra interest. But is it easy to get a credit card when you're retired?

Can a non-working pensioner apply for a credit card?

Many organizations choose not to lend to unemployed senior citizens, fearing that limited income will prevent them from paying debt and credit card interest on time. However, some banks are loyal to pensioners and even develop special product lines for them. As a rule, such banks are the winners, since according to statistics, customers in this category are not prone to rash spending and are very responsible in repaying their debts. And since pension payments are guaranteed by the state, pensioners are not threatened with losing even a small but stable income, unlike employed citizens who can lose their jobs at any time.

In addition, many people, even after reaching retirement age, continue to labor activity which makes them especially attractive and reliable borrowers. Consider the offers of several large banks that issue credit cards to older borrowers.

Sberbank credit card for pensioners

The most social bank in Russia, Sberbank, to borrowers under the age of 65, while both working and non-working pensioners can apply. It is more likely to count on a positive decision for existing customers with a positive one who already have any banking products or receive pension payments on a Sberbank card. If approved size credit limit and the interest rate will be set individually based on the solvency of the client.

You can apply online or at any branch of the bank. Only a passport is required to apply, and additional documents may be required during the consideration, including a certificate from the Pension Fund.

Standard conditions for credit cards of the Classic/Standard level:

Credit card Post Bank

Another profitable proposition for pensioners - a credit card "Element 120" with an interest-free period of up to 4 months from Post Bank.

Basic conditions:

Element 120 can be issued remotely via the Internet or in person at the client center of the organization.

Required documents:

• general passport;
• information about the TIN of the employer (for working pensioners);
• a pension certificate or an agreement with an organization on the product "Savings account" with the current tariff "Pension" (for non-working pensioners);
• SNILS number;
• consent to the processing of client data from the Pension Fund.

For lovers of shopping trips, the bank has another interesting product - the unnamed Visa Classic "Pyaterochka". The same conditions apply for it as for Element 120, with the exception of the length of the grace period - for Pyaterochka it is up to 60 days.

Benefits of Pyaterochka:

Credit card for pensioners from Alfa-Bank

This bank has a special card for pensioners, but only working citizens can get it. The advantage of this product over credit cards of other banks is a large grace period (up to 100 days), which applies even for cash withdrawals.

The main parameters of pension credit cards Visa Classic/MasterCard Standard:

• maximum limit - 300 thousand rubles;
• cash withdrawal limit - 60 thousand rubles;
• interest rate - from 26.99%;
• annual service - 1290 rubles;
• commission for cash withdrawal - 5.9% (min. 500 rubles).

can be done online or at a bank branch. This will require the following documents:

Usually the review procedure takes 1-2 days, after which the bank informs the client about the decision.

Credit cards for pensioners in other banks

Pensioners can get credit cards in other large credit organizations but conditions are different everywhere. So, borrowers up to 70 years old can apply for Platinum, similar opportunities are provided by, and. Borrowers must be no older than 60 years, and the age limit for credit card holders is 65 years. is ready to lend to citizens under the age of 64, and - under the age of 76.

Credit cards for pensioners up to 75 and 80 years old

Getting a credit card for people over 70 is very difficult, but possible. For example, Sovcombank offers Golden Key credit cards to citizens of the Russian Federation under the age of 85 (at the end of the contract). The most favorable conditions are provided for borrowers receiving a pension on the card of this bank.

Many banks have special programs for lending to older people, but these programs generally do not apply to cards. Among the large organizations (except for Sberbank and Rosselkhozbank) offering loans to pensioners, the following can be distinguished:

*The current lending conditions can be found on the websites of these banks

Thus, pensioners are desirable borrowers for many credit institutions. At the same time, the choice of a bank must be approached very carefully, as many unscrupulous organizations try to profit from the elderly. It is better to give preference to large trusted banks, as they offer favorable conditions and benefits.

If you read the conditions for issuing credit cards, you can conclude that this banking product in any institution is available to citizens up to 65-70 years old, but in practice this is far from the case.

Turning to the bank, most pensioners face obstacles and refusals.

Credit card is a plastic card from the bank, where the amount allocated by the institution for the use of the client is accrued. The entire period of the contract, the client has the right to use the limit in order to solve financial problems.

Important: a credit card is an analogue consumer credit. The peculiarity of a credit card for pensioners is preferential conditions, reduced rates, health insurance, discounts on the purchase of vital products.

In some institutions, credit cards are only for working seniors, but there are organizations that issue cards to people who are retired.

How can I get such a card?

A pensioner can receive a credit card in the same way as any citizen of the Russian Federation, for this he needs to contact any bank and write an application for a credit card, you can also apply online application This will save time and make it possible to apply to several institutions at the same time.

Some banks can independently offer their customers with social cards credit plastic with a minimum limit, which can be increased in the course of positive cooperation.

Required documents

When contacting the bank, you must have standard package documents:

• Passport of the Russian Federation with a permanent residence permit, at least for the last few months;
• An additional document in this case is a pension certificate;
• Certificate from the Pension Fund of the Russian Federation on the amount of the pension;
• If the pensioner is working, a salary certificate, this will be a significant plus.

Important: many banks, if they have a social card in their institution, issue credit cards to customers without collecting documents.

What does Sovcombank offer?

Conditions in Russian banks

Banks provide loans to older people grace period and a small amount of funds so that a person can solve his pressing problems. At the same time, a client with an available savings account or a deposit in this institution.

First, an application is submitted, and after its approval, a package of documents. The card is valid for 3 years with a maximum interest rate of up to 45% per annum.

Alfa Bank

Is it worth it to issue a credit card to a pensioner in AvtoVAZbank?

Maintenance of the card will cost 1290 rubles per year, the minimum monthly payment is 5% of the funds used, but not less than 320 rubles. When withdrawing cash over the limit without interest 5% for withdrawal, not less than 500 rubles.

AvtoVAZbank

The lowest interest rate is from 17.5 to 21%, the card is called “Pension”, without security up to 50,000 rubles and with security up to 200,000 rubles.

You can take the required amount, both for targeted needs and without a designated purpose, the return can be made in equal installments. Important: the amount of 20,000 rubles is issued without checking solvency.

VTB 24

Offers a "Pocket" credit card, which is ideal for use by pensioners, as the interest rate for cash withdrawals is 1%.

Conclusion

Credit cards are an indisputable plus for a pensioner who may need money at any time, for example, to maintain health, but it is important to consider your financial capabilities to repay the loan.