Top 10 Credit Cards

What is a credit card

This is a card linked to a credit account. With its help, you can use the bank's borrowed money now, and pay off the debt later.

What are the criteria for evaluating credit cards

You cannot choose the best deals without comparison. And this can be done only if we define the criteria by which the cards.

• Grace period - the period during which interest will not be charged on the debt. But for this you need to make the minimum monthly payments. We will also consider their size as a criterion. Although it is much more profitable not to pay a minimum, but to fully repay the debt in an interest-free period.
• Interest rate.
• Maintenance cost.
• Credit limit - the maximum amount that you can borrow.
• Cash withdrawal cost. A percentage is often charged for this.
• Cashback - some banks return part of the money spent on the credit card.

It should be noted that numbers are generally preceded by the preposition "from" or "to". This is due to the fact that we are talking about a loan. Therefore, the conditions for a particular client depend on his income, package of documents, credit history and other criteria. Banks do not disclose which ones in order to avoid fraud. However, be aware that the conditions may be different from those indicated on the promo page.

As an additional condition, we assessed the bank's reliability and its position in the ratingsBank ratings. Another criterion is the availability of credit card information on the site. It is clear that the final figures are calculated individually. But games in "leave your number, and then we we will annoy you with calls»Not worth supporting.

Before applying for a credit card, you should figure out how it works. The card can become a lifesaver or drive you into debt - it all depends on you.

Which credit cards are most beneficial

This is not a rating, but a list, so the order of the proposals does not matter.

1. "100 days without interest" from Alfa-Bank

• Grace period: up to 100 days.
• Minimum payment: 3-10% of the debt, not less than 300 rubles.
• Maximum credit limit: up to 500 thousand.
• Service cost: 590–1,490 rubles per year, depending on the package of services and the availability of an Alfa-Bank debit card.

The advantage of this card is that it can issue up to 50 thousand rubles in cash per month without commission. 5.9% will be withheld from the amount in excess of this, but not less than 500 rubles. So if you need bills from time to time, this is not a bad option.

With a long grace period, the interest rate starts from 11.99% for the amounts spent on goods and services, and from 23.99% - for cash withdrawals.

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2. "I want more" from the "Ural Bank for Reconstruction and Development"

• Grace period: up to 120 days.
• Minimum payment: 1% of the debt.
• Maximum credit limit: up to 700 thousand.
• Service cost: 250 rubles per month or free for purchases with a card from 15 thousand rubles.

The interest rate ranges from 17% to 28.5% per annum. And, like Alfa-Bank, you can withdraw up to 50 thousand a month without commission. For exceeding the limit, you will have to pay 5.99%, but not less than 500 rubles. And they also promise cashback on purchases up to 3%.

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3. "110 days without%" from Raiffeisen Bank

• Grace period: up to 110 days.
• Minimum payment: 4% of the debt.
• Maximum credit limit: up to 600 thousand.
• Service cost: 250 rubles per month or free of charge for card transactions from 8 thousand rubles.

The interest rate for payment for goods and services will be 19-29%. But for cash withdrawals, transfers to cards and quasi-cash operations (withdrawal to an Internet wallet or payment for lottery services) it is much higher - 49%. There is also a commission for withdrawing cash: 3% of the transaction amount plus 300 rubles at bank ATMs and 3.9% plus 390 rubles - at third-party ones. So it's better to use this card only to pay.

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4. "Opportunity Map" from VTB

• Grace period: up to 110 days.
• Minimum payment: 3% of the debt.
• Maximum credit limit: up to 1 million.
• Maintenance cost: free.

This card is distinguished by an attractive interest rate - from 11.6% on purchases and from 31.9% on cash - and the ability to withdraw up to 50 thousand rubles per month without commission. If the limit is exceeded, you will have to pay 5.5% of the amount, but not less than 300 rubles.

And there is also a cashback - 1.5% of all purchases and up to 15% if they are made from partners of the program "Multi-bonus». But this option is paid, it can be activated when the card is issued for 590 rubles.

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5. MTS Cashback from MTS Bank

• Grace period: up to 111 days.
• Minimum payment: 5% of the debt, but not less than 100 rubles.
• Maximum credit limit: up to 500 thousand.
• Service cost: free, card issue - 299 rubles.

The interest rate is 11.9-25.9%, which, taking into account the free service, makes this card a good option just in case. For cash withdrawals, you will be charged 3.9% of the transaction amount plus 350 rubles.

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6. Opencard credit from Otkritie

• Grace period: up to 55 days.
• Minimum payment: 5% of the debt.
• Maximum credit limit: up to 500 thousand.
• Maintenance cost: free. For the issue of the card, they will take 500 rubles, which will be returned after the total spending on the card is 10 thousand.

The interest rate is 13.9-29.9% per annum, for cash withdrawals they take a commission of 3.9% plus 390 rubles. The short grace period is compensated by free service. In addition, there is a cashback to choose from: up to 3% for all purchases or up to 11% for the selected category. However, taking into account additional conditions, the figures of 2 and 5%, respectively, look more realistic.

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7. Tinkoff Platinum from Tinkoff

• Grace period: up to 55 days for any purchases, up to 120 days for repayment of loans from other banks.
• Minimum payment: up to 8% of the debt.
• Maximum credit limit: up to 700 thousand.
• Maintenance cost: 590 rubles per year.

The interest rate for purchases spent is 12-29.9% per annum, for cash withdrawals and transfers - 30-49.9%. For receiving banknotes from an ATM, a commission of 2.9% of the amount plus 290 rubles is charged. From the pleasant there is a cashback: 1% for any purchases and 3-30% for the bank's special offers. Bonus points can be used to get money back for Railway tickets and spending in a cafe at the rate of 1 point = 1 ruble.

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8. "Smart card" from "Gazprombank"

• Grace period: up to 62 days for any purchases.
• Minimum payment: 5% of the debt, but not less than 500 rubles.
• Maximum credit limit: up to 600 thousand.
• Service cost: free when spending from 5 thousand per month or salary from 15 thousand on a bank card. Otherwise, 199 rubles per month.

For salary clients are subject to one interest rate for everything - 25.9%. For the rest - 27.9% for purchases and 32.9% for cash withdrawals. The commission for the latter is 2.9% plus 290 rubles.

Moreover, there is a bonus program. You can get cashback or miles to choose from. Cashback of 10% is credited to the category in which you spent the most this month. It is detected automatically.

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9. "#MozhVSyo" from "Rosbank"

• Grace period: up to 62 days for any purchases.
• Minimum payment: 3% of the debt.
• Maximum credit limit: up to 1 million.
• Service cost: the first month is free, from the second - only for purchases of 15 thousand or more. Otherwise, 79 rubles a month.

The interest rate is rather big - from 25.9%, as well as the commission for cash withdrawal - 4.9% plus 290. But if you only pay with a card and pay off a debt in an interest-free period, you can even make it profitable. There is a 10% cashback in the selected category and 1% for everything else.

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10. Energins from Uralsib

• Grace period: up to 62 days for any purchases.
• Minimum payment: 5% of the debt, but not less than 1,000.
• Maximum credit limit: up to 500 thousand.
• Service cost: free for purchases over 30 thousand, otherwise 99 rubles.

The credit rate for purchases and cash withdrawals is 28%, the commission for the latter is 3.99% of the transaction amount plus 300 rubles. These are not the most attractive conditions, but the bonus system puts up with them. For every 50 rubles spent, 1 point is awarded, in total you can “earn” 4 thousand of them a month. Points can be exchanged for cashback up to 3%, travels and partner certificates.

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