Nowadays, credit cards, despite their rather high cost of use, are in demand. Almost every third citizen of Russia has this tool, which provides many advantages. And to make the cards even more attractive, issuers have provided the opportunity for remote issuance. Some banks are even willing to provide them by courier. If this is exactly what you need, we suggest ordering a credit card from this list.

The selection includes Russian banks, issuing credit cards remotely and in a short time. Please read their terms and conditions. Choose best products A table showing the main parameters will help you. If you decide on a card, submit an online application to find out sooner, further search for a suitable plastic card, or prepare documents for concluding a transaction.

What can be the credit limit on a card for 100 days without %?

It has one of the best offers in the credit card segment with its product “100 days without %”. Plastic is available in 3 variations: “Classic”, “Gold” and “Platinum”. By ordering Classic, you can use up to 500 thousand rubles, Gold assumes an increased amount - a maximum of 700 thousand rubles. If you send 100 without % Platinum, the borrowed funds in the account will be no more than 1 million rubles.

In each case, the initial rate will be 14.99% per year, but its value is determined on an individual basis. Holders of this credit card can pay up to 50 thousand rubles. When the transaction amount is higher, 3.90-5.90% is withheld from the client.

Along with the card, Alfa-Bank offers:

• use the option contactless payment via Apple Pay/Google Pay;
• replenish your plastic card for free, pay off debt without additional payments and any commission fees;
• get all necessary information on the account, make a refund, etc. through mobile banking.

Not only issuing a credit card takes place remotely. You can also receive it because the lender has introduced courier delivery. Moreover, it is carried out the next day. The decision is announced in 2 minutes. An adult, employed citizen of the Russian Federation who receives at least 5-9 thousand rubles monthly can apply for a credit card.

He must have: telephone number (can be home), work number (HR department or accounting department), permanent registration, passport and one more document from the list:

• SNILS;
• credit/issued by any Russian bank;
• abroad;
• rights.

If you provide more documents, interest rate will be reduced. A person must live and work in the city where the bank branch is located. You can use an Alfa-Bank card for credit cards.

Tinkoff Platinum is the leader in online credit card orders

Halva installment card from Sovcombank - a new generation of credit cards

Bystrokarta – instant crediting of a loan at any time

A quick card is a payment instrument designed for crediting loans by the company. They are transferred by call on any day of the week 24 hours a day in the amount of up to 100 thousand rubles. The debt must be repaid with interest (from 0 to 730% per annum) after 1-180 days. The card is serviced and issued completely free of charge. It can be ordered by adult Russian citizens (not older than 70 years old) who use a passport to fill out the application form.

The Bystrocard owners manage the money at their own discretion:

• pay for goods and services on the Internet;
• transferred to electronic wallets;
• book tickets;
• withdraw cash, etc.

The borrower is presented mandatory requirement based on the availability of income, although you do not need to confirm it. To apply for a plastic card, you should enter personal data in the application, wait until an MFO employee contacts you, and come to the office to conclude the transaction. Through Personal Area or mobile app you will be able to repay and extend the loan.

What does the Vostochny Cashback card give to its holder?

Should I order a Raiffeisenbank credit card #all at once

And now the less pleasant characteristics:

• paid service from 1490 rub. in a year;
• commissions for expense transactions, transfers, cash withdrawals;
• The rate for using a credit limit is from 29% per annum.

Under what conditions is it offered to issue a Kviku virtual credit card?

If 200 thousand rubles is enough for you to carry out transactions with electronic money, look at the Kviku credit card. Sign an agreement with MFK AirLoans for 60-365 days. Newcomers get 15 thousand rubles credited to their card. Once they are returned, you can ask for an increase in your credit limit. You can get a credit card from the age of 18.

Citizens of the Russian Federation sign the offer if they are legally capable, have filled out a form on the website and have: mobile phone, passport, email, permanent registration. You may need an INN or SNILS number. Quik is issued with an instant decision. In half a minute you will already receive her details on your phone, because... It does not have a plastic carrier.

Pleasant additions to borrowed money are:

• up to 30% cashback on any purchases;
• up to 50 days of medicinal product;
• service without commission;
• no link to an account, which guarantees the security of all financial transactions.

But the unpleasant aspects are: the annual rate is from 29%, the need to repay loan funds 2 times a month, the inability to withdraw cash.

Is it possible to get a “120 days without interest” credit card from UBRD via the Internet?

People who are not satisfied with the 100-day grace period, like the Alfa-Bank card, can take out a credit card. Her LP is 20 days longer, but the limit is less - 300 thousand rubles. But the product brings its owner a small cashback - 1%. The card is valid for no more than 3 years. It can be completed online without visiting the branch. And since December 2017, it has also become possible to deliver plastic throughout Russia. The product has accumulated quite good reviews on the Internet.

If a person, after visiting the bank’s website, no longer wants to choose among other offers, he fills out an application for this credit card with a limit of up to 99,999 rubles, the cost of using it will be 28%, otherwise - 31% per annum. A package of documents is also associated with the requested amount. At a higher limit, you must confirm your income. The interest-free period is relevant for all types of transactions. Spending of funds after the drug is subject to a charge of 4% of the total amount.

For many of our fellow citizens, the pressing question is which bank would be easiest to get a credit card from? Which organizations do people turn to most often? We will answer these questions further.

How are credit cards issued?

Let us immediately note that the conditions for issuing cards with a certain limit are approximately the same for all banks - you need to send an application online or immediately in the office, wait for its approval, come to the branch with documents, sign an agreement and receive “plastic” in your hands.

The differences will be very small - in the conditions of the lending itself, as well as in the number of papers that you will need to provide. It is for this reason that there is no mythical bank that approves loans for everyone - every company is interested in increasing its customer base, it’s just that some borrowers qualify and immediately receive approval, while others do not.

And remember!!! Before taking out a loan, think 10 times and apply 1 time. If today you are offered a loan with a rate of over 17%, this is a clear robbery. Search best deals. They exist, we must look for them. And don’t forget to read this note before submitting applications, it will help you avoid making serious mistakes!

Who will be approved?

An ideal borrower looks like this:

• have Russian citizenship and permanent registration in the region where you apply to the bank,
• have official employment, work experience of at least 6 months,
• official income is at least 10,000-15,000 rubles per month,
• no other credit obligations,
• positive credit history.

If you have arrears, fines, and many other loans or borrowings, then no one will approve you for a credit card. Therefore, you need to first close all debts, and only then look for a bank where you can get a card with a limit.

We recommend that you first contact the banking organization, where you have already opened an account once, taken out a loan, opened a deposit, or where you receive wages, for such clients they usually offer the most profitable terms. If this option does not suit you, read further our advice for borrowers.

How to choose the best credit card?

So, if you decide to apply for such a card for yourself, then you should understand that this type of lending has certain features:

1. Firstly, easier registration and receipt than other options. Usually, banking companies They require a minimum of documents from the borrower, most often 2 - a passport and an additional one of your personal choice. This could be a certificate of income, a copy of a work record book, a document confirming that you own real estate or a car, PTS, SNILS, etc.;
2. Secondly: the card does not have a strictly defined period within which you must repay the debt. You can pay it as much as you find convenient, there is only one thing: there is a payment that must be paid monthly and is mandatory;
3. Thirdly, credit cards have such a service as, during which no interest is charged for use borrowed funds. If you repay the debt within this period, then you are not overpaying;
4. Fourthly, almost all cards have a certain cost of service - until you pay it, you cannot use the credit limit.

Pay attention to all information written in small print. Very often, all kinds of commissions are spelled out there, as well as mandatory insurance, which can make using the card extremely unprofitable.

It is important to choose a card with a long grace period; it is advisable that it applies not only to non-cash transactions, but also to withdraw cash from an ATM. There is such a service, for example.

Instant credit cards

If you want to get it as quickly and easily as possible, then we recommend choosing instant cards. As a rule, 15-20 minutes are enough to receive them, as well as presenting your passport, additional documents not required.

Note that for such proposals, they usually approve small amounts in the amount of no more than 150 thousand rubles, the interest rate starts from 25-30% per annum and higher. There are similar offers in:

1. — here you can get a Momentum card only if you are an existing client of this company and have a pre-approved offer in your name. If you meet these requirements, you will be offered: an individual credit limit of up to 600,000 rubles at an interest rate of 23.9% per annum. You will be able to use a grace period of up to 50 days, the service will be free.
2. (formerly Leto-Bank), where the program “ Postal express" Using it, you can independently choose a limit that is “within your strength” - 5,000, 10,000 or 15,0000 rubles. There is no interest, you only have to make a minimum monthly payment each month , and if you have no debt, you don't have to pay any interest or maintenance.
3. Recently, a service has appeared that allows you to receive an activated credit card on the same day of application in just 40 minutes. You are assigned an individual amount, which you can use without accruing interest for up to 60 or up to 100 days of the grace period. To register, you need to contact the office and provide documents: a passport and another one of your choice (foreign passport, TIN, insurance certificate, SNILS, compulsory medical insurance policy), to reduce the rate, you can bring another document, for example, about your ownership of property.
4. Bank "Let's go!" - this company has an “Instant” card. It offers a small loan of up to 30 thousand rubles at a fixed 29% per annum. There is no grace period, and there are no fees for issue or maintenance.
5. — here you can also get a credit card with an online solution in 15 minutes. The interest starts from 11.5% per annum (valid for the first 3 months), the limit is up to 300 thousand, there is an interest-free period of up to 56 days for non-cash purchases. Issuance on the day of application.
6. At the bank you can issue Visa card Platinum and Visa Gold with the “Benefit” program, which will be free for registration and maintenance. The renewable limit is up to 300 thousand. There is a grace period of up to 51 days, you need to make a monthly payment of 5% of the debt (at least 1000 rubles).

Use our advanced calculator with the ability to build a payment schedule and calculation early repayment you can on this page.

As you can see, there are many financial and credit companies that are ready to offer their clients the most attractive programs and card products. You can learn more information in this article.

Credit card by mail

If you want to receive a card delivered to your home, then it is best to submit an application to Tinkoff Bank Credit Systems. This company is the leader in the number of credit cards issued to Russian citizens; about 5 million of our compatriots have already received them.

There is no need to collect certificates, attract a guarantor or provide collateral; the data you provide, as well as a scan of two required documents, is enough. Shipping takes no more than 7 days, delivery can be ordered to the address of your residence or place of work, the service is free.

Let's talk about the main lending conditions:

• the limit is set individually, maximum amount will amount to 300 thousand rubles;
• the interest rate on non-cash purchases can vary from 14.9 to 34.9% per annum;
• There is a grace period without accrual of interest up to 55 days only for non-cash purchases;
• interest rate on cash withdrawals - from 32.9 to 49.9% per annum + a commission of 2.9% of the amount is charged + 290 rubles;
• minimum monthly payment is in the amount of 8% of the amount owed;
• the cost of annual maintenance is 590 rubles.

The application for card issue is filled out on the website Tinkoff Bank. It is necessary to indicate your contact and passport details, as well as employment information. All Required documents sent in the form of electronic scans.

You can get credit cards in Moscow at a branch of almost any bank operating in the Russian Federation. Highlight following criteria choice:

• Grace period. The higher it is, the less you need to pay. In the same time, long term automatically assumes increased rate or a higher service charge. The choice should be based on whether the loan will be issued for a short period or whether long-term work with debt is planned.
• Sum. The higher the amount, the better. The card may have a very large limit, but if it is not used entirely, you do not need to pay for it. On the other hand, if you urgently need money, it is always at hand.
• Interest rate. The rate for using money determines the amount of overpayment. The lower the better. However, you should not focus only on the rate, since low percentage may be offset by significant service charges. The opposite is also true.
• Service price. Credit cards Some banks require you to pay additional fees for services. Often the amount may be greater than the loan payments. If you do not plan to use a credit card on an ongoing basis, it is better to choose those that do not require annual/monthly payments.

How to get a credit card

To get a credit card, you need:

1. Decide on the type, bank and main features of the credit card.
2. Prepare required package documents (depending on the selected bank).
3. Submit an online application on this website.
4. Wait for confirmation.
5. Pick up the card (some banks deliver them via couriers).

An example of a similar card from Post Bank:

• Rate: 0% (money is provided in installments).
• Grace period: 60 days.
• Limit: up to 5,000.00 rubles.
• Maintenance: 300 rubles per month.

To apply for it, you do not need a certificate confirming your income, just a passport is enough. The bank receives income through various commissions, but they are not charged if repayment occurs within the grace period.

A credit card is a tool for accessing a bank account with which you can pay for goods and services. The peculiarity of a credit card is the limit of funds that its owner can use for his needs. This amount is set based on the solvency of the holder.

You will have to pay interest on the money you borrow, which is usually higher than for other types of loans. The advantage of a credit card is the grace period (on average 50-60 days), during which cash can be used for free. Also, the advantages of the card are: the ability to receive a loan at any time of the day without going to the bank and payment for goods/services anywhere in the world where such an opportunity is provided. That is why it can be a profitable alternative to consumer loans.

Apply for a credit card online

To obtain a credit card, the client usually needs to submit online application, as well as provide the necessary package of documents (passport, income certificate, etc. After reviewing the application and its approval, the bank will produce the card within a few days. Then the borrower can come to the bank and pick it up. You can activate the card when performing any transaction in ATM.

You can apply for a credit card at a bank office, by phone or online. Sravni.ru provides the opportunity to choose and, in some cases, order the most profitable credit card that meets your request.

Universal credit card

A universal credit card combines all the advantages of a credit card with a grace period and debit card. At the same time, many banks are willing to pay a certain percentage for keeping the client’s personal funds in an account in excess of the credit limit. Profitability of funds placed on plastic cards can range from 4 before 10% per annum.

IN Touch Bank You can apply online for a credit card, which gives you the opportunity to use it at any time credit funds. This is a universal payment instrument that allows you to pay for purchases and services and receive bonuses for it.

Apply for a credit card online in 10 minutes

To get a Touch Bank credit card, you must:

1. Fill out the form on the bank's website.

   You must provide your full name, mobile number, and email address. It only takes 10 minutes to complete the online application. This can be done from any device with Internet access.

2. Wait for the bank's decision.

   Typically, the processing time for applications does not exceed 1 day.

3. Receive the card by courier.

   Touch Bank delivers cards free of charge to the specified address at a time convenient for the borrower. The courier must present the original passport, which he will photograph and send to the bank employees.

4. Activate your credit card.

   When the bank receives copies of documents sent by courier, it will send an SMS with the login and password from the Internet bank, in which you will need to set the card PIN code.

Touch Bank credit card is:

• Favorable lending conditions
  Credit card holders can receive credit funds at a low interest rate (from 12% per annum).
• Possibility to get a credit card only with a passport
  To get a loan from Touch Bank, it is enough to have a passport of a citizen of the Russian Federation. Thus, you do not need to issue a certificate of income or submit a copy of your work record book.
• bonus program
  Borrowers who apply for a credit card online become participants bonus program. Using the card, you can pay for purchases and return up to 3% of the money spent.
• Grace period
  Valid for 61 days Grace period when credit funds can be used without interest.

More about loan terms