We have prepared several solutions when a credit card will be available immediately by filling out an online application on the day of registration.

Credit card online solution immediately

Bank, card	Conditions
Tinkoff Bank Tinkoff Platinum	Up to 300,000 rub. From 12% per annum Up to 55 days without % Home delivery Application online
Oriental "Seasonal"	Up to 300,000 rub. From 15% per annum Up to 56 days without % Receipt in 5 minutes Application online
Alfa Bank 100 days without %	Up to 600,000 rub. 100 days without % Application online
UBRD "Maximum"	Up to 150,000 rub. By passport Up to 60 days without % Application online
Russian Standard Bank "Credit card Platinum"	Up to 300,000 rub. Withdrawal from all ATMs in the world - 0 rub. Up to 55 days without % Application online
HOME CREDIT BANK Freedom card	Up to 12 months - installment period for purchases from partners 0% — interest on purchases in installments Free – card registration and maintenance 40,000 partner stores
Card "Conscience"	Up to 300,000 rub. Installment plan for goods up to 12 months - 0% Delivery of the card to your home Application online
ROSBANK “Everything is possible” card	Up to 1,000,000 rub. Cashback - 10% Application online

Tinkoff Bank – cards with delivery

• Limit – up to 300,000 rubles.
• Grace period– up to 55 days.
• Rate – from 15% per annum.
• Registration – from 1 day.
• Issue is free.
• Delivery - to home, office.
• Service – 590 rub. in year.
• Cash withdrawal – 2.9%.

One of the most profitable cards in Russia. Its advantage is accessibility and a high degree of approval of the application. The card can be used from 18 years of age. The holder of the treasured plastic card will have a grace period of 55 days, a small or even interest-free way to withdraw cash from ATMs and a profitable contract, if, of course, you strictly follow it.

The downside to the design will be delivery within seven days, depending on the region, but this is a credit card, where decisions are made online and immediately.

Bank "Vostochny" - quickly and without refusal

• Limit – up to 300,000 rubles.
• Grace period – up to 56 days.
• Rate – from 15% per annum.
• Registration - in 5 minutes.
• Issue is free.
• Service is free.
• Cash withdrawal – 4.9%.

This is the best option to apply for a loan on a card online with instant decision without certificates in just 15 MINUTES! The card will be issued to you at any branch of the bank, and rest assured that this will happen, because Vostochny Bank, one of the most high interest rates issuing credit cards without refusal.

Touch Bank – two months without interest

• The limit is individual.
• Grace period – up to 61 days.
• Rate – from 14.9% per annum.
• Registration – from 1 day.
• Issue is free.
• Delivery - to home, office.
• Service – from 0 rub.
• Cash withdrawal – 4%.

The card is beneficial when shopping because you get 1%-3% cash back on purchases in selected product categories. Map Touch Bank

can be obtained by a Russian citizen using a passport, and it will be delivered to you where you tell him. This is a credit card where the decision is made online and immediately on the day of application.

The disadvantages include a commission for cash withdrawals of 4% and monthly service, which will be 250 rubles.

Credit card from Renaissance Credit Bank

• Receiving a card on the day of treatment.
• No commission for production and maintenance.
• Grace period up to 55 days.

Another a good option, if you need a card immediately on the day of application. The bank has a high degree of approval and is loyal to customers. The card is issued and serviced without commission and has an interest-free repayment period of up to 55 days.

Do I need documents when ordering a card online?

Many websites indicate that a card can be issued by providing one or two documents to the bank. Indeed, this is enough to get credit card, but most credit institutions has a flexible approach to setting the interest rate for each client, and the more evidence of solvency the client provides, the lower it will be and the more credit limit will be available.

A passport of a Russian citizen is required to be presented; additional ones, depending on the bank, may include:

• driver license;
• TIN certificate;
• compulsory health insurance policy;
• pension insurance certificate (SNILS);
• international passport;
• pension certificate for pensioners;
• military ID.

The list of optional documents varies, but most often banks recommend submitting:

• a foreign passport containing notes on travel abroad over the past year;
• VHI policy;
• income certificate 2-NDFL;
• documents confirming the ownership of the car.

When ordering a credit card via the Internet, the applicant enters the data in the application necessary documents, and then, in case of a positive decision, presents them to the bank. Therefore, you will still need documents.

In order to decide where it is better to apply for a credit card, you need to carefully familiarize yourself with the offers of banking institutions. A good credit history is one of the decisive factors influencing whether the bank will give a positive response to issuing a card.

1. As practice shows, in order to study the documents provided by the applicant and consider the application, bank employees need order 1 hour.
2. In the case when all information is reliable and the client has a positive credit history, a map will be provided.
3. The processing time in each bank is set individually and can range from several hours to a week.

The terms of repayment of the loan depend on the specific purpose of using the received financial resources. For example, Sberbank provides its services for issuing cards for everyday purchases and tourist trips.

Important! Any line of credit includes a limit; in other words, it is maximum amount payments Money at established interest rates.

Renaissance Credit, Alfa-Bank and Tinkoff, being the most famous banks in the Russian Federation, make similar demands.

To apply for a credit card, you should take into account the following nuances:

• The borrower's age must be in the range of 18-70 years,
• availability of a certificate of regular financial income,
• Russian Federation citizenship.

It is worth noting that the banks in question offer their clients the most convenient and profitable terms cooperation. These benefits include the following:

• filling out an application online,
• no need to provide proof of income,
• there is no commission for issue,
• availability of interest-free (grace period).

Please note that the applicant must return the money paid to the bank office in accordance with established deadlines in the contract.

Banks with the best credit cards in 2019

Tinkoff Platinum Card

• Card limit: up to 300,000 rubles;
• Interest rate: from 20 to 50%;
• Grace period: 55 days;
• Annual maintenance: 590 rubles;
• : 2,9%;
• MasterCard.

Alfa-Bank, card “100 days without interest”

• Card limit: up to 300,000 rubles;
• Interest rate: from 11.99, if the payment is overdue for each day there is an additional 1% of the amount. The minimum payment is 320 rubles, if the debt increases to 50 thousand, this amount increases to 1,500 rubles;
• Grace period: 100 days;
• Annual maintenance: from 590 rubles;
• Commission amount for cash withdrawal: withdrawal without interest is possible up to 50,000 per month, for large sums commission is 5.9%;

Sovcombank, Halva card with Cash Back option

• Card limit: 350,000 rubles;
• Interest rate: from 0 to 10%, fine for late payment starts from the 6th day, amount – 0.1%;
• Grace period: 730 days, Cash Back for purchases over 50 thousand per month is 1.5%;
• Annual maintenance: no fee;
• Commission amount for cash withdrawal: commission is not charged;
• Mastercard.

Home Credit, “installment card”

• Card limit: up to 300,000 rubles;
• Interest rate: from 0 to 29.9%. Debt repayment is possible at any time;
• Grace period: 365 days;
• Annual maintenance: no fee;
• Commission amount for cash withdrawal: Cash withdrawals are not allowed;
• Visa Classic.

Gazprombank, VISA GOLD credit card

• Card limit: up to 600,000 rubles;
• Interest rate: 23,9%;
• Grace period: up to 2 months;
• Annual maintenance: up to 590 rubles;
• Commission amount for cash withdrawal: 49,9%;
• Visa
• Registration by passport

Installment card Conscience

• Card limit: up to 300,000 rubles.
• Interest rate: during the installment plan 0%, after 10%.
• Grace period: up to 12 caruncles;
• Annual maintenance: for free;
• Visa

Grace period

The essence of the grace period is the opportunity not to pay established by the bank interest on withdrawn funds, subject to their return within the specified period. As a rule, the interest-free period is 50-100 days from the date of withdrawal.

However, banking institutions often provide a number of specific exceptions.

Important!The contract must be drawn up in accordance with the norms of the Civil Code of the Russian Federation.

In cases where collateral and third party guarantee are required to provide a loan, loan agreement must also be signed by the guarantor or pledgor.

Where can I quickly get a card?

A lightning offer is just a sales pitch to attract potential customers. In fact, no bank will issue you a loan until it carefully checks the documentation you provide and makes sure of the client’s solvency.

Without providing certificates

Of course, each of us has the opportunity to register our own income, however, provided that the applicant can pledge valuable property, real estate, or is able to enlist the support of a reliable guarantor.

• In addition, there is an option to apply for a relatively small loan from an microfinance organization, however, in this case, the applicant expects daily interest accrual of a rather large amount.
• - this is the optimal and convenient solution for those who need a modest amount of money urgently, but not for long long term, since with long-term use of such a service, more than enough interest will be paid.

Application Form

• Today, almost all banks offer such convenient services. A bank employee will be able to advise the client online or by phone on all loan terms and answer any questions he may have.
• You can receive a card by mail or courier delivery, however, not all banks require that an advance payment be made. However, please note that when activated bank card The amount of annual maintenance will be debited from it.

Applying for a loan with bad credit history

Considering that the client’s solvency is the guarantor of the loan, it is not possible to receive funds, if you have one, from all banks.

As a rule, such services are provided by relatively new companies that have recently entered the market for providing the services in question.

As practice shows, you will not be refused at the following financial institutions:

• Home Credit
• Sovcombank
• Tinkoff
• OTP Bank

Look full list banks - .

About the advantages and disadvantages

The key advantage of obtaining a loan is the opportunity to as soon as possible get the necessary amount of money for all kinds of needs. It is also important to have numerous ATMs for withdrawing funds and terminals for returning them. However, we should not forget about some disadvantages:

• overpayment in the form of high interest,
• possible penalties,
• accrual of penalties for non-payment of debt,
• fines.

Conclusion

Before deciding to get a credit card, you should sensibly assess your level of solvency and take out a loan in an amount that will correspond to your financial independence and income.

Our website contains up-to-date information about credit cards. Thanks to convenient system search, page visitors have the opportunity to quickly select a card with conditions acceptable to them. The list of available proposals includes sections where both advantages and disadvantages are described.

Easy-to-read site navigation makes it easy to navigate the proposed list of credit cards and make a thoughtful decision. Having decided on the choice of product, potential borrowers will be able to send a request for a card directly from our website! The service provides an opportunity to save time and get a credit card remotely.

The purpose of our resource is to present potential clients detailed information about the most profitable credit programs banks. For each type, the minimum/maximum limit and cost are indicated. annual maintenance, the duration of the grace period, the interest rate after its end, etc. Do right choice allows for a well-compiled list with easy-to-understand explanations. Having chosen a card, just use a special menu item and order a credit card without leaving the current page. It will be delivered to the address specified by the client via Russian Post or courier.

What are they needed for?

The purpose of a credit card is to pay for goods and services without the possibility of storing them own funds. However, proposals from some banks stipulate conditions that allow the use of a credit card simultaneously as a debit card. No interest is accrued on the balance of personal funds.

One of the main advantages of any credit card is the ability to use money interest-free for a certain period (grace period). Each bank sets a different period: from 30 to 55 days, rarely up to 100 days in the first two months of use. “Borrowing” without interest is convenient and profitable. This is especially true in situations where there is not enough small amount money, for example, until the next salary.

The grace period applies only to non-cash transactions. It does not apply when cashing out funds. Many banks charge a commission for withdrawing money from an ATM.

Applying for credit cards online

Credit card offers without having to prove your income are not uncommon these days. But prompt receipt of a credit card when minimum requirements involves a low limit and a high interest rate. “Urgent” programs are designed for clients who urgently need money today and do not have time to collect personal documents. To apply for a credit card online, a potential borrower only needs to have a valid passport.

Credit cards are a relatively new product in the Russian market banking services. But people are increasingly using them due to obvious advantages compared to standard consumer loans.

Banks offer hundreds of offers, among which each client is sure to find what he needs. By using our website, potential borrowers have the opportunity to quickly understand the conditions and become the owner of a credit card in the shortest possible time.

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

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

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

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

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

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

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

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

Advantages

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

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

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

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

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

Tinkoff Bank credit card with grace period

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

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

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

Alfa-Bank credit card with instant decision

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

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

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