Which bank can I apply for a credit card with interest-free cash withdrawal? Credit card with preferential cash withdrawal Credit card cash withdrawal at 0

13.09.2023

When opening a credit card, you need to pay special attention to the necessary nuances. Most of them are intended for transactions within the banking system or via the Internet. If you plan to withdraw cash to a greater extent, you need to select a credit card without a cash withdrawal fee; absolutely everyone wants to minimize unnecessary costs.

Most cards charge a commission of 1-10% when withdrawing funds through a self-service terminal, but you can still find a credit card for withdrawing cash without a commission. When opening a credit card, you need to ask the bank manager about all its capabilities; it is beneficial for the bank itself to issue cards with service conditions in their favor.

In this situation, we are concerned precisely with the ability to withdraw cash without interest; we definitely need to talk about this and select a lending program specifically for this item.

Another very important factor when opening a credit card is the allowable grace period in which you can use a loan and return it to the bank without interest on the use of funds. Not all banking institutions offer this opportunity.

And the most important nuance is to clarify the size of the permissible credit limit on the card. Today it is easy to get a card only if you have a passport, and then fairly small loan amounts are issued. To get more money, you need to submit additional documents to the bank, at least a certificate of income. This is solely in the interests of the consumer.

Ways to withdraw money from a credit card

To withdraw cash from a credit card without interest, it must be intended for this type of transaction. You can withdraw cash from a credit card:

No interest at the branded ATM of the bank that owns it.
At ATMs of partner banks (each banking institution has its own; you can find out more information on this issue on the official website of the card manufacturer). Withdrawing money in this way can be either with a commission or without interest - it depends on the terms of the agreement signed between the banks. In any case, the commission should be acceptable.
In third party terminals. Problems may arise with withdrawing cash from a credit card; other people's ATMs tend not to recognize unknown plastic. Such operations will be carried out unambiguously with the removal of the commission.

All credit cards have a cash withdrawal limit. It can be one-time, daily or monthly. Basically, you can withdraw up to 150 thousand rubles per day from a credit card; at Sberbank today there is a limit of 50 thousand rubles. You can withdraw three times more at the cash desk of a bank representative office. The monthly limit must be equal to the credit limit.

In this matter, as elsewhere, there are a couple of tricks for withdrawing cash from a credit card without commission.

First option. Most likely, you can pay for a purchase in a large store with a credit card without a fee, for example, to purchase some household appliances. According to the consumer rights law, it is possible to return a product without a reason within 14 days and, accordingly, get your money back, but in cash.
The second method works on the same principle - pay with a credit card for a purchase online. If you refuse the product, you can return the money you paid to a different type of card, such as a debit card. Cash withdrawals from debit accounts are almost always free of charge.

The only inconvenience is that it is unlikely that you will be able to cash out large sums using these methods.

The best lending programs from various banks

Let's consider the conditions for issuing the best credit cards with a grace period and with cash withdrawal without commission from various banks, or what optimal opportunities for using a credit card are provided to customers.

Is it possible to withdraw cash without commission at Sberbank of Russia

It is profitable to receive cash from Sberbank credit cards in its proprietary self-service terms; it is convenient that they are easy to find anywhere. The grace period on credit cards is 50 days; you can withdraw cash during this time with a commission of 3-4%. The interest rate for using the loan after the grace period is 25.9% per year.

Conditions for using the grace period at Alfa-Bank

Alfa Bank sets the best grace period on borrowers’ credit cards – 100 days, more than three months. Please keep in mind: the minimum payment must be made within the first three weeks from the date of cash withdrawal, the remaining debt must be returned within the remaining grace period. Cash withdrawals are subject to a 5.9% commission. The minimum rate for credit cards is 23.9%. It is possible to order an Alfa Bank card with a chip, which allows you to pay for travel needs in European countries.

You can get a standard credit card with the option of withdrawing cash without interest. It is available to persons with an excellent credit history and with proof of income. The grace period is maximum, the percentage of overpayment is within 25-37%.

What is the grace period for the VTB 24 credit card?

VTB 24 Bank issues credit cards with the possibility of profitable cash withdrawals. At an ATM the commission will be 1-5.5%. The grace period is set at 50 days. The decent annual overpayment rate is upsetting - at least 28%.

Card from Raiffeisen Bank with interest-free withdrawal

Raiffeisen issues clients who provide an income certificate indicating earnings of more than 20 thousand rubles per month, a credit card with cash withdrawals from its own ATMs without interest. There is also a negative side - there is absolutely no grace period, interest accrues immediately after the loan is withdrawn. Overpayment from 36% per year, and a separate monthly payment for credit card service of 750 rubles.

Conclusion

It is often possible to withdraw personal funds without interest without interest, but as a rule, you have to pay to withdraw credit funds. Finding and getting a credit card for withdrawing cash without a fee is definitely possible. If you need a one-time large loan, it is better to apply for a cash loan and receive the entire amount at once directly to the branch of the selected office.

A credit card for cash withdrawal is convenient not only for non-cash payments, but also for withdrawing money through ATMs or bank cash desks. The convenience is that there is no commission for cashing out or the percentage is very small.

Since rewards for cash withdrawals are the bread and butter of banks, they are forced to compensate for losses in other conditions:

high interest rates;
no grace period;
large fees for annual card maintenance.

These conditions are not mandatory companions for withdrawing cash without interest, but are very common.

Conditions for a profitable credit card for withdrawing cash without commission

You can withdraw money for free only from ATMs that belong to the banks that issued the credit card. At other ATMs an additional commission will be charged. If you go to the cashier, they may also charge a certain percentage for the service. Moreover, the branch may not have the required loan amount; it must be booked in advance. A limit may be imposed on cash withdrawals (per day, per month, one-time). That is, even if there are enough funds in the account, you will not be able to withdraw them immediately.

How to get a credit card to withdraw cash?

The most profitable credit cards for withdrawing cash from Russian banks are on this page. Here you can find out detailed terms about the loan and make preliminary calculations of monthly installments. To apply for a card you need:

Compare the presented offers from banks.
Choose the appropriate one.

After this, after 1-3 (depending on the bank), you will be contacted and invited to come to the branch to finalize the card.

A credit card holder may be faced with a situation where he urgently needs cash. In such cases, he will need a card that limits the withdrawal of money from it as little as possible. #AllLoansOnline found out which credit cards are the most profitable for withdrawing cash.

Banks earn not only from interest on credit cards, but also from various commissions when using them - including for withdrawing cash from ATMs. But this rule also has its exceptions. Below are interest-free cards from which you can freely withdraw money without additional fees. Some banks allow you to withdraw money only from their ATMs, while others allow you to withdraw money from any device around the world.

1 place. Winner. Just a credit card (Citibank) - MasterCard

1 place

Citibank is the Russian division of the American financial group Citigroup, one of the largest in the world. Offers deposits, loans and bank cards to the population, conducts transactions with currency and securities. The Citibank card features completely free service and the absence of any restrictions on cash withdrawals.

The card does not limit anything.

You can issue a credit card as a primary or additional one.

You can receive discounts for purchases from partners.

Division of a large American bank.

You can order delivery of the card by courier or mail.

No
Where can I withdraw cash? at any ATMs
Limit size up to 300,000 rubles
Grace period up to 120 days
Interest rate from 13.9% per annum
Bonuses for purchases discounts up to 20% with bank partners
Additional features contactless payment, transport application for Moscow
Opening cost for free
Maintenance cost free, transport app - 65 rubles per month
Design method
Registration deadlines 3-5 days

Advantages

Free card issue and maintenance
Cash withdrawal without restrictions and commissions
You can pay for travel on public transport

Flaws

Proof of income required

2nd place. 120 days without interest (Ural Bank for Reconstruction and Development) - Visa

2nd place

This is one of the largest banks in the Ural region, which also has representative offices in many large cities of Russia. It offers people all the basic banking services. A credit card from this bank allows you to withdraw fairly large amounts from any ATM without commission. However, this transaction ends the grace period.

You can withdraw money from any ATM.

Cashback is credited without restrictions on the amount.

UBRD maintains a high level of reliability.

A small limit can be obtained from your passport.

Restrictions on cash withdrawals up to 30,000 rubles per month
Where can I withdraw cash? at any ATMs
Limit size up to 299,999 rubles
Grace period up to 120 days
Interest rate from 30.5% per annum
Bonuses for purchases 1% cashback on all purchases, 10% in selected categories (changes every quarter)
Additional features
Opening cost for free
Maintenance cost free when spending more than 40,000 rubles per month, otherwise - 199 rubles per month
Design method
Registration deadlines instantly

Advantages

Instant issue by passport
Cash withdrawal from any ATMs
Cashback without restrictions on the return amount

Flaws

The monthly withdrawal amount is limited
High interest rates

3rd place. 100 days without interest (Alfa-Bank) - Visa, MasterCard

This is the second largest bank in the country after Sberbank and one of the most popular among the population. Its branches and ATMs are located in many cities of Russia. Alfa-Bank offers a card with a long grace period, which is valid for cash withdrawals. Apart from these features, the credit card is unremarkable.

The card has a long grace period that applies to withdrawals.

The card can be used as a main or additional card.

Alfa-Bank is one of the most reliable banks in the country.

Restrictions on cash withdrawals up to 50,000 rubles per month
Where can I withdraw cash? at any ATMs
Limit size up to 500,000 rubles
Grace period up to 100 days
Interest rate from 11.99% per annum
Bonuses for purchases No
Additional features contactless payment, supports Apple Pay, Samsung Pay and Google Pay
Opening cost for free
Maintenance cost up to 1,490 rubles per year
Design method online with delivery to your hands or to a bank branch
Registration deadlines 2-3 days

Flaws

No bonuses for purchases

4th place. Just a card (Eastern Bank) - Visa

Vostochny Bank positions itself as a regional bank that offers its services not only in large, but also in small cities and regional centers. It is widespread in Siberia and the Far East, but also has its representatives in the European part of Russia. “Just a card” has convenient conditions and allows you to withdraw cash without restrictions.

You can withdraw a small amount of cash from the card at any time.

It’s just best to issue the card as a spare one.

You can get big cashback for purchases in online stores.

A fairly stable regional bank.

Restrictions on cash withdrawals No
Where can I withdraw cash? at any ATMs
Limit size up to 120,000 rubles
Grace period 5 years
Interest rate 20% per annum
Bonuses for purchases cashback up to 40% in online stores when making purchases through the bank service
Additional features contactless payment, supports Samsung Pay and Google Pay
Opening cost for free
Maintenance cost
Design method at a bank branch with an online application
Registration deadlines instantly

Advantages

Flaws

Under 26 years of age, proof of income is required

5th place. MTS Money Zero (MTS Bank) - MasterCard

MTS Bank is a division of the large Russian telecom operator MTS. It offers its clients all types of banking services, including credit cards. Like the previous credit card, MTS Money Zero charges a commission instead of interest. You can also withdraw money from it without restrictions at any ATM.

If you don't spend money, you don't need to pay a fee.

An MTS credit card can be issued as a spare one.

There is no bonus program.

MTS Bank maintains a sufficient level of reliability.

To issue a card, you do not need a proof of income.

Restrictions on cash withdrawals No
Where can I withdraw cash? at any ATMs
Limit size up to 150,000 rubles
Grace period 5 years
Interest rate 10% per annum
Bonuses for purchases No
Additional features contactless payment, supports Apple Pay, Samsung Pay and Google Pay
Opening cost 299 rubles
Maintenance cost 30 rubles per day if there is debt
Design method at a bank branch with an online application
Registration deadlines 2-3 days

Advantages

You can pay for any purchase without interest
Free service if there is no debt
Cash withdrawal without restrictions and commissions
You can order delivery to an MTS communication store

Flaws

Paid card issue
No bonuses for purchases

6th place. Cash (Raiffeisenbank) - Visa

Large international bank of Austrian origin. It has one of the highest reliability ratings in Europe. His card is specifically designed for cash withdrawals. However, Raiffeisenbank ATMs are rare, so it will be difficult to withdraw money.

You can withdraw the required amount of money from your Cash Card at any time.

The card can be used as a main or additional card.

There is no bonus program.

One of the most reliable banks according to Forbes.

You can order the card delivered to your home.

Restrictions on cash withdrawals up to 60% of the limit amount per day
Where can I withdraw cash? at ATMs of Raiffeisenbank and partners
Limit size up to 600,000 rubles
Grace period up to 50 days
Interest rate from 29% per annum
Bonuses for purchases No
Additional features contactless payment, supports Apple Pay, Samsung Pay and Google Pay
Opening cost free, delivery - up to 390 rubles
Maintenance cost 890 rubles per year
Design method online with delivery to your hands or to a bank branch
Registration deadlines 1-3 days

Advantages

Fast processing in one visit to the bank
Cash withdrawal without restrictions and commissions
Free emergency cash withdrawal

Flaws

The grace period does not apply to withdrawals
Paid card delivery
Proof of income may be required

7th place. Pyatnaya (OTP Bank) - MasterCard

OTP Bank is part of the OTP financial group, one of the largest in Europe. It offers private and corporate clients all basic banking services. Unlike most offers, there is no fee for withdrawing cash from his credit card, but an increased interest rate. Because of this, such a card is not the most convenient.

Restrictions on cash withdrawals up to 45,000 rubles per day
Where can I withdraw cash? at any ATMs
Limit size up to 300,000 rubles
Grace period up to 55 days
Interest rate from 24.9% per annum, when withdrawing cash - up to 42.9% per annum
Bonuses for purchases No
Additional features No
Opening cost for free
Maintenance cost for free
Design method at a bank branch with an online application
Registration deadlines 1-3 days

Advantages

Free issue and maintenance
Cash withdrawal from any ATMs
Fast registration without income certificate

Flaws

No bonuses for purchases
The grace period does not apply to withdrawals
Interest increases when withdrawing cash

Most banks limit withdrawals from your account by setting daily or monthly limits, as well as fees. The withdrawal limit can usually range from several tens of thousands, and the commission can range from 5%. Cards without any restrictions on this operation are very rare.

Thus, the best offer for withdrawing cash can be called a Citibank card, since it does not have any restrictions at all for this operation. You can also note the proposals of UBRD, Vostochny, MTS and Alfa-Bank. These credit cards are universal and can be used for any purpose.

The table below contains the main conditions of credit cards from this rating:

Finally, let us remind you that a credit card is intended primarily for non-cash use. Withdrawals are supposed to be a last resort in situations where this payment method is not available. This is where all these restrictions and commissions come from. Therefore, if you prefer to pay for your purchases in cash, then get a debit card - for it, most often, restrictions on withdrawal of funds do not work. In addition, you can use this card to get a consumer loan for the required amount, and you can freely withdraw money from any ATM.

So, withdrawing cash from a credit card is more difficult than withdrawing cash from a debit card. There are large commissions for this operation and it ends the grace period. There are very few offers that allow you to freely withdraw money from your credit limit.

The most convenient conditions for withdrawing cash are with a Simply credit card from Citibank. You can withdraw money from it at any ATM without any restrictions or fees. In addition, the credit card is issued with home delivery, supports the installation of a transport application and offers discounts of up to 20% with partners.

You can also explore offers from other banks on our website and

Most people, having received a credit card, immediately go to the nearest ATM to cash out, without taking into account many nuances:

1) Many banks charge a commission for withdrawing money (in some cases only at ATMs of other banks).
2) In many banks, the grace period does not apply to cash withdrawals, which means that after such an operation, interest on the loan will begin to accrue.
Thus, there are often cases that, out of their own stupidity, clients make the same mistake and begin to use the card ineffectively if they did not choose free cash withdrawal. Here are some examples:

Unicredit Bank charges a commission of 3% of the withdrawn amount, but not less than 325 rubles, but a grace period also applies to this operation. At Alfa Bank, the free withdrawal process is also included in the grace period, which is one of the longest - up to 100 days. But these cards have serious drawbacks, a limit on cash withdrawals per month:

1) Classic and Standard – 2000 dollars, 60 thousand rubles or 1.5 thousand euros.
2) Gold – 4,000 dollars, 120,000 rubles or 3,000 euros.
3) Platinum – 6,700 dollars, 200 thousand rubles or 5,000 euros.

The commission is 3.9% in bank offices and ATMs for any non-premium plastic, and for an embossed VISA Classic credit card it is as much as 7%, which kind of hints at a ban on withdrawing money.

The credit policy of the Bank of Moscow allows you to charge 3.5% (at least 350 rubles) for each transaction for withdrawal of funds, however, if you manage to deposit money during the grace period, you do not need to pay interest on the loan.

Petrocommerce Bank will charge 3% for withdrawing money and it also has a grace period for this operation. VTB24 Bank also has many cards that have a grace period for withdrawing money. The Plasticine card from Credit-Moscow Bank has one of the most favorable conditions for withdrawing money - 2.9%, and the withdrawal limit is quite large - 600,000 rubles per month. If possible, we advise you to immediately select credit cards for withdrawing cash.

Sovetsky Bank charges 3.9% (minimum 150 rubles) for one withdrawal transaction and, like many other cards, there is a grace period for this. Well, summing up what was written, we can say that credit cards were not initially intended to be made with interest-free withdrawals, but were supposed to serve the client as a means of non-cash payment, especially since now this can be done in almost all large stores and organizations. Therefore, before withdrawing cash, find out whether the organization or store where you want to spend cash will allow you to pay with a plastic credit card, and therefore will not have to pay you an extra commission.

Credit cards with free cash withdrawals are a great advantage for the plastic card owner, which will allow you to save 500 rubles or more for cashing out every 10,000 rubles. on the map. If you prefer to use cash and want to save money on this, you can apply for a credit card with free cash withdrawals through our project. You need to choose a suitable card and fill out a short form. The answer will come in the form of SMS in 10-15 minutes.

Alfabank credit card with 100 day grace period

Raffeisenbank Visa/MasterCard credit card

The possibility of free cash withdrawal will allow the client to save significantly, because the cash withdrawal fee is deducted from the credit limit. Commissions on this amount are subsequently calculated as % according to the tariff, forming compound double interest.

3 Best Credit Cards With Free Cash Withdrawals

In the table, let's look at the options for credit cards with the ability to withdraw money for free using your credit limit at different ATMs.

Credit conditions/Cards with no withdrawal fees	100 days of Alfa-Bank	Clear from OTP Bank	Cash card from Raiffeisenbank
Limit	300 thousand	Up to 1.5 million	Up to 300 thousand
Minimum %	23.99% per year	34.9%	31%
Service	1490 rub. in year	For free	890 rub. per year with a connected loyalty program
Grace in days	100. The grace period of the loan also includes cash withdrawals from the credit limit	55. The grace period of the loan does not include cash withdrawals. Under this procedure, the interest rate is immediately calculated according to the tariffs	50 days
Fee for withdrawing cash from your devices	Free up to 50 thousand rubles. per calendar month. If the cardholder exceeds the specified withdrawal limit, for subsequent transactions he will have to pay a commission of 5.9% of the amount, but not less than 500 rubles.	For free	For free
Cashing out funds in devices of third-party banks	Likewise	For free	0.5% of the amount, minimum 50 rubles
SMS bank	59 rub.	59 rub.	60 rub.
Additional bonuses	No	No	Delivery by courier within Russia is possible. The cost of the service is 390 rubles

Upon closer examination of the conditions of each card, you can cross out the plastic from Raiffeisenbank from the list of the best. Firstly, the grace period here includes only transactions for payment of goods. Secondly, free withdrawals using the credit limit are only possible at the organization’s own ATMs, and there are not many of them. Cashing out a credit limit at a third-party bank is subject to a fee, albeit a small one.

The remaining contenders are approximately equal, but the OTP Bank card looks preferable in several respects. Firstly, due to free annual maintenance. Alfa-Bank card holders will have to pay 1,490 rubles for each year of service. Secondly, due to a more impressive credit limit, which exceeds the opponent’s amount by 5 times.

Thirdly, the OTP card has no restrictions on free withdrawals, while Alfa-Bank card holders can withdraw no more than 50 thousand rubles for free. due to the limit. For cashing out an amount over the limit you will have to pay a commission. Thus, the best credit card with free withdrawals can be called plastic from OTP Bank.

If you have definitely decided to get a credit card with free cash withdrawal, but have not yet decided on the choice of a specific product, pay attention to all the terms of service:

% bid. You need to look at the rate specifically for cashing out funds. It may differ from an overpayment for purchases. The lower the interest rate, the less the borrower will overpay.
The grace period plays an important role for clients who are going to issue credit cards with free cash withdrawals. The longer the term, the longer the client can use credit funds without interest.
Grace period. When choosing a card with free withdrawals, make sure that the grace period includes all transactions. Otherwise, you will save on withdrawal fees, but you will have to pay interest to the bank for using the credit limit, since withdrawals are not included in the grace.
The cost of service is a very important expense item for the cardholder. It varies from 0 rub. up to 3-4 thousand rubles. depending on the bank.
Minimum payment. The lower the percentage of the minimum payment, the less the borrower will pay monthly.
If you have been in arrears on loans or cards from third-party banks, try to choose more loyal organizations with a high approval rate. Then the chances of a positive outcome will be higher.