A credit card is a unique product that allows you to reuse credit funds at any time convenient for you and combines many advantages from a grace period to all kinds of bonuses and privileges.

What to look for when choosing a credit card?

Credit limit and interest rate. Not all banks are ready to provide a high limit on their cards; borrowers who have a high and stable income or a good credit history with the bank that issues the card can get it.

The interest rate is affected by the number of documents provided; the more documents there are, the more favorable the conditions will be. Get credit card under low percentage Of course, it won’t work by providing one document. It is advisable to prepare 2-3 documents and a certificate of income in advance.

Grace period. First of all, you need to look at what transactions it applies to; most often it only applies to non-cash payments for goods and services. For credit cards that are marked “For cash withdrawal” Grace period extends even when withdrawing money from an ATM. The Bank of Moscow, AK Bars Bank and Alfa Bank have such offers, so if you are going to use cash, it is better to contact one of these organizations.

Note! Cashless payment It is always more profitable, since banks charge a commission for cash withdrawals, on average it is equal to 4-5% of the transaction amount.

Annual maintenance cost. If you don't plan to use your credit card often, you don't need a high credit limit and various privileges, it would be better to take a credit card with free service. Citibank “Simply credit card” and SKB Bank (Zapaska card) have such offers.

It is also important to make sure that there are no additional fees. This could be a fee for issuing and re-issuing a card, for repaying a debt in a certain way, for Additional services(for example, SMS notifications).

Selecting a card

Taking into account our recommendations, you can select several credit cards that suit you in 10-15 minutes. Use the selection to weed out unnecessary offers, and then compare the remaining ones with each other using the comparison function.

Proposals that have passed a strict selection process suit you according to the main parameters; now you can proceed to filling out an online application. Today, banks provide individual conditions for each borrower, each bank has its own list of requirements, the more you meet it, the more favorable the conditions will be.

In 2015, the Markswebb Rank&Report agency conducted a study among 3 thousand credit card holders received remotely and identified a list of the most convenient banks in receiving and servicing such cards.

The easiest and most comfortable way to get a credit card is to contact the online portal of credit organizations Tinkoff Bank, Citibank, Bank of Moscow, Alfa-Bank and VTB24. Service remote maintenance clients of Tinkoff, Russian Standard, Promsvyazbank, Alfa-Bank, VTB24 banks liked it.

The procedure for filling out an application is very similar for all banks. It is necessary to fill in all contact information fields (full name, phone number, address Email, passport information, address, work information, etc.). Next, the application is reviewed within a day or two and if the decision is positive, a bank employee contacts you and discusses all the conditions for receiving a loan.

Tinkoff offers to become a credit card owner remotely in 2 days without providing certificates, attracting guarantors or visiting the bank. Credit limit amount up to 300 thousand rubles. With monthly interest 6-8% and the possibility of returning part of the money spent in the form of bonus points. Interest-free loan repayment period up to 55 days. The interest rate for using the loan amount is from 24.9% per year. Free delivery of the card to your home or work.

Credit card holder Citibank you can become one in the same way by simply filling out an application on their official website. The maximum loan amount is up to 300 thousand rubles. on standard cards and up to 600 thousand rubles. At premium, interest-free, the loan can be repaid within 50 days. Interest rate from 22.9% per annum. Card issuance within 10-15 days. Delivery of the card by courier or by registered mail.

Sovereign Bank also organizes the issuance of a credit card through an online application and delivery to its owner at home or work. An interest-free period of up to 50 days, a return of 1% of the funds spent is provided. The limit on the card is 300 thousand rubles. Interest rate 22% per annum.

Russian Trade Bank allows the client to fill out an online form and, through his representative, delivers a credit card with a limit of 300 thousand rubles. to home or work. You can repay the loan without interest within 55 days. Credit amount issued with an interest rate of 15% per annum. Card issuance within 5-7 days.

Organizations Bank of Moscow, Alfa Bank, VTB24, Promsvyazbank, Renaissance Credit Bank, Home Credit Bank and many others simplify the procedure for obtaining a credit card. The application is filled out by the client on the website, but in order to become a card owner, a visit to a bank branch is still required. The more clients can provide documents (certificate 2-NDFL, copy employment contract or work book, international passport, personal statement bank account, registration certificate vehicle, owned by the future borrower, etc.), the more favorable the conditions for him will be on the credit card.

Sberbank credit cards are a popular product, which clients can apply for either in the company’s office or via the Internet. Profitable terms and fast processing allow borrowers to receive a “spare wallet” with a minimum package of documents.

Types of Sberbank credit cards

The bank's credit card product line has been developed taking into account the requests of visitors. Plastic cards divided into types:

• instant issuance: Visa, MasterCard, Momentum. the client receives a reissue payment instrument Classic, . Issued on a personal offer
• co-branding – products developed jointly with a partner, the air transportation market leader Aeroflot: Visa Classic, Gold, Visa Signature
• privileged: all products of the “Gold” line: Visa, MasterCard + “Gift of Life”
• series for borrowers under 25 years old: Visa, MasterCard “Youth”
• card with big bonuses “THANK YOU”: Visa “Signature”, MasterCard “World Edition”

The differences, registration conditions and tariffs with the bank limit are presented in the table.

Types of Sberbank credit cards

	Cost of service, rub	Credit limit, thousand rubles	Commission, % per annum	Advantages
Visa and MasterCard				Free service, instant delivery
				Free service, Apply online
				Preferential insurance program (bank card protection), individual design
				Free (preferential) service
				Free (preferential) service, opportunity to do charity work
Visa "Signature" and MasterCard "World Edition"				Big “THANK YOU” bonuses (up to 20 times)
Aeroflot				Increased bonuses from a partner (2 miles for every 6 rubles)
				Bonuses from a partner (1 mile for every 6 rubles)

You can apply for a credit card at the additional office. For the “Youth” and “Gold” products, the site user can leave a request through the Sberbank Online Internet bank or follow the link on the company’s main resource. After approval of the application, the user can receive a Sberbank credit card at a convenient office within the territorial bank.

Features and benefits of products with a borrowing limit

The main advantages of bank credit cards are related to:

• availability for non-cash payment
• fast delivery (from 15 minutes)
• free or discounted service (from 0 rubles)
• a wide network of terminals and offices for depositing cash and the ability to view the balance, receive statements, and information on the agreement
• the opportunity to use loan funds free of charge for a period of time specified by the bank

All bank cards have the same grace period until 50 days, within which you can use borrowed funds without interest. The grace period is valid for non-cash transactions: for purchases at gas stations, trading network, cafes and any acquiring points (). During the first and subsequent cash withdrawal transactions, the interest-free use is terminated, the client is charged a commission for the expenditure of funds + interest according to the bank’s tariff and type of plastic. The minimum grace period is 20 days.

Methods for obtaining a Sberbank credit card

Largest financial institution The country offers 3 options for submitting an application to receive a plastic card with a bank limit:

• when visiting an additional office
• filling out the form online on the official website of Sberbank
• through a direct sales specialist supervising the borrower’s enterprise (for clients with

Pick up at the office

How to get a Sberbank credit card at a branch. To submit an application, the client must contact the office and provide documents: Russian passport and income certificate. For borrowers with a salary card, a passport is sufficient.

At the bank's office, clients can issue all types of credit cards. Special receipt conditions apply to instant delivery products. These are issued to clients who have a salary card. The process from data entry to activation takes 15 minutes.

Help: even clients who do not have a regular income can get a credit card. This is possible if the borrower has previously received funds into a bank account and has a valid offer from the lender. Since this card is issued only with a passport, . The manager fills out the questionnaire “according to” the client.

Online application in the Internet banking system

Sberbank Online users can apply for a card with borrowed funds without leaving home. To do this you should go to Personal Area, and click on the tab Loans. The program will show the possibility Order a credit card. By clicking on the offer, the client will automatically be taken to the application registration form. You must provide the required identification information (registration, information about permanent place of employment, information about current credit obligations).

After filling out the application, it is sent for consideration by underwriters (specialists in deciding whether to issue/refuse a limit). If the bank has approved the loan, the client will receive an SMS notification with information about the loan amount.

How to get a Sberbank credit card if the application was made via the Internet. During the registration process, the account owner is prompted to select a bank branch where the credit card will be delivered after approval. Process . Upon arrival at the company office, the user will receive a notification about the opportunity at the selected branch.

Meeting with the bank manager

An additional way is to communicate with managers salary projects. These are employees who are engaged in processing bank products with visits to the enterprise. Direct sales specialists offer cards on a pre-approved offer only to salary clients. These are privileged cards - “Gold”. They contact the salary recipient at Sberbank and offer a free credit card with a set limit. The card is issued without the participation of the client. The borrower only signs documents when receiving the plastic.

Help: if you are not satisfied with the amount borrowed money, it is recommended to use your credit card more often and avoid delays - the bank will automatically increase the limit.

Requirements for the borrower to receive loan funds

The bank imposes age restrictions on potential credit card holders. Citizens of the Russian Federation who have permanent registration in one of the constituent entities of the country can become credit card owners. The client must have seniority at least 1 year. To receive a card under a pre-approved offer, the user must receive a salary on a Sberbank card within 3-6 months.

For a long time now, a Sberbank credit card has been an integral part of the contents of many Russians’ wallets. Bank clients confirm that plastic helps solve many financial questions. After all, if there is a shortage own funds there is no need to run to the bank for another cash loan or to reach out to relatives with an outstretched hand.

With a credit card, money is always at hand. The client can cash out a credit card at Sberbank ATMs or third-party credit institutions, or pay by bank transfer (no commission).

Moreover, returning funds during the grace period will allow you to save money and avoid paying interest at all for using credit money.

And receiving a credit card on a personal offer from the bank will be another bonus, since the commission for issuing and annual maintenance will be reduced or equal to zero, and interest rates will become much lower than with standard conditions registration

Below we will tell you how to get a credit card based on a personal offer.

Conditions

The conditions offered by Sberbank were liked by many clients. After all, you can get a credit card with a limit of up to 600,000 rubles.

The grace period reaches 50 days. Usage rates credit funds 33.9% per year.

However, within the framework of an individual offer - 25.9% per year. The fee for issuing and servicing a credit card depends on the type of card and ranges from 900 to 3,500 rubles; with an individual offer, the fee is reduced, in some cases equal to zero.

Sberbank offers clients a choice of cards that allow them to accumulate bonuses and miles, and then exchange them for discounts. The bank imitates major payment cards Visa systems and Master Card.

How to get an offer from Sberbank?

Sberbank cannot offer everyone who wants a credit card on preferential terms.

But still, there are categories of clients who can independently contact the bank, if such an offer has not yet been received from Sberbank employees, and ask to check the possibility of issuing a card as part of an individual offer.

• citizens of the Russian Federation who receive wages through Sberbank;
• Russian Federation pensioners receiving pensions through this bank;
• bank clients who have an open debit card, on which operations take place;
• clients who have an open deposit (deposit) with the bank;
• citizens of the Russian Federation who previously obtained loans from Sberbank.

How to apply?

Registration of the card will not take much time.

For this it is enough:

• submit an application online or at one of the Sberbank branches for a credit card;
• Bring to the loan officer documents confirming your identity and solvency);

• If the answer is positive, sign the card account servicing agreement;

• the bank will notify the client when the card will be issued and which branch of the credit institution must go to to pick it up.

You opened a credit card, but before you had time to activate it, you decided that you were in a hurry? We'll tell you. To do this, you just need to read our article.

If you want to submit online application to a credit card with a grace period from Rosselkhozbank, we recommend reading.

If you have a salary card

If the client already has salary card, then the registration process is much simplified. The future owner of a credit card does not need to collect documents about his solvency.

The bank employee only needs to see an identification document and a completed application form for issuing a card.

Kinds

Citizens of the Russian Federation often ask questions related to the issuance of credit cards. We will try to answer the most popular of them.

To begin with, you should understand that any citizen of the Russian Federation who is 21 years old at the time of application can apply for a credit card.

Without certificates and guarantors

How to get a Sberbank credit card without certificates and guarantors? We will respond immediately, for issuing a credit card guarantee individuals not required. No bank in the Russian Federation has such a requirement.

As for confirming solvency, issuing a credit card without providing a certificate of income from your place of work is only possible if a citizen of the Russian Federation receives a salary through Sberbank.

In all other cases, proof of income is required.

For 50,000 rubles

The future card owner should remember that the bank sets the plastic limit for each borrower individually. The amount depends on the client’s income, his credit rating, as well as the type of card.

Today Sberbank offers limits up to:

• 600,000 – for gold cards, as well as classic ones;
• 120,000 – for instant issue cards (not personalized);
• 200,000 – on credit cards, for young people.

No commission

It is possible to issue a credit card without a fee for annual servicing and issue at Sberbank only as part of an individual offer.

To avoid paying commissions for purchases and services, you should pay by non-cash method.

Withdrawing money from an ATM involves a fee.
It is also worth remembering the grace period; for 50 days the bank does not charge interest for using the money.

On the day of treatment

Sberbank offers an instant issue card that can be issued within 15 minutes.

The credit limit can reach 120,000 rubles, interest for use is 25.9% per year.

With a personal offer from the bank, the annual service is 0. To issue a card, you only need a passport.

Please note that this type of card is only available to persons over 25 years of age.

Unemployed

The main conditions for obtaining a credit card are the client’s solvency and availability of work.

If basic requirements are not met, the bank will automatically refuse to issue a credit card.

Therefore, an unemployed person will not be able to get a credit card from Sberbank.

With grace period

Absolutely all credit cards issued by Sberbank have a grace period of up to 50 days. And here you need to learn how to correctly calculate the interest-free period.

For example, if you withdraw money from a credit card on June 1, 2016, interest on the loan will not accrue until July 20, 2016.

The grace period will be 50 days. But, having withdrawn money on 06/25/16, the grace period will still last until 06/20/16, which will be only 25 days.

Requirements for borrowers

The requirements from Sberbank for applicants for a credit card are basic:

• citizenship of the Russian Federation;
• registration and registration;
• age from 21 years, for instant cards – from 25 years;
• 60 months of experience – at least 12 months;
• Experience at the current place of work – from 6 months.

Required documents

To issue a card, the client brings the following documents to the bank:

• civil passport;
• documents on solvency;
• documents confirming employment.

Also at the bank, or while at home (online), the client is required to fill out an application form for issuing a card.

Interest rates

Base rates on credit cards at Sberbank are 33.9% per year. However, upon receiving a personal offer from the bank, the client can count on interest rate at the rate of 25.9% per year.

The bank also guarantees a reduced commission for annual servicing and card issuance.

Deadlines

Any type of credit card from Sberbank is issued for a period of three years. As soon as the validity period of the credit card comes to an end, the bank automatically reissues the card.

There is no need to write an application for a new credit card, except if the card is lost (damaged) and reissue is necessary unscheduled.

And get detailed information Oh, you can follow the link provided.

Advantages and disadvantages

Undoubtedly, a credit card issued as part of a personal offer will be a real gift for its owner.

This credit card has a lot of both standard and personal advantages:

• reduced rate for using money;
• reduced commission for annual servicing and card issuance;
• grace period – 50 days;
• convenient and practical banking product;
• the card is equipped with a special chip, which protects it from unauthorized operations, theft, and information reading;
• bonuses from Sberbank and bank partners.

As for possible disadvantages, only certain categories of Sberbank clients can apply for a card based on a personal offer.

Non-working, insolvent, and clients with negative credit history, will not be able to get a credit card from Sberbank.

A credit plastic card is very convenient when paying for purchases on the Internet and in stores, as well as simply for withdrawing cash. It is especially useful in emergency situations: late wages or lack of money for an urgent purchase. In most cases, a credit card is issued in person at the bank, but you can also receive it by mail. Read below how to do this. You will need: a personal passport, a computer with internet access, a mobile phone.

First you need to choose a suitable bank to issue a plastic card. Its conditions for receiving and using the card should be the most convenient and beneficial for you. In Russian Standard banks or, for example, “ Tinkoff Credit Systems" provides credit card delivery services by mail. Then you need to fill out an online application to receive a card from your chosen bank. In this case, you will need the following information: passport details, postal address, place of work, personal income, your email address and phone number. All application data must be real. Majority credit institutions , providing services postal delivery cards, allow you to indicate different kinds

income – official and unofficial.

After sending the application, you should wait for the bank's decision to issue the card. Its result is announced either by letter to your email or by SMS message to your mobile phone number. It is also possible to have a telephone consultation with the operator who called you. He will inform you about upcoming steps in the procedure for obtaining a credit card. If the bank's decision is positive, you will receive a notification by registered letter. Sometimes credit organizations

The notification you receive must be filled out. You must have your passport with you. If these conditions are met, the post office will give you a registered letter. The envelope will contain a plastic card with instructions for activating it and an agreement. You need to study the documents and check the correct spelling of your name and surname on the map. It is likely that you will need to send a signed application, a copy of your passport or other documents to the bank before activating your card.

To activate your credit card, call the bank operator or send an SMS message. Before using the card, sign on its special strip intended for this purpose.

As you can see, it's not all that complicated. Good luck!