Credit cards without interest. Credit cards Bank cards in Belarus

This is an additional option that is used by almost all banks. Citizens have “tasted” this feature and are deliberately looking for lenders who issue just such products. And banks are forced to adapt to the needs of borrowers, so now almost all credit cards are connected to a grace period. Credit cards without interest for the use of money are a popular product.

Grace or grace period is a period of 50 days or more. It is within its framework that you can use borrowed funds for free. Some banks, in order to attract borrowers, set even longer loan periods up to 240 days. Offers with such a long discount can also be found on this page, they are available for online registration.

Features of cards with a grace period:

• Note that the grace period often only applies to transactions for payment for goods and services. Cashing out is not covered by it. But there are exceptions, for example, in Alfa-Bank;
• so that the bank does not accrue interest, you need to close the debt in full before the expiration of the grace period. If it is 55 days, you must definitely meet it, otherwise an overpayment will be formed;
• the bank provides tools to track the expiration date of the grace. Information can be seen in your personal account. In addition, every month the client will receive SMS messages indicating the minimum payment and the expiration date of the grace.

If you plan to use the card for 120 days without interest (or another long period), do not forget to make monthly payments. They are mandatory, despite the effect of grace.

Where can I get a credit card without interest

There are plenty of offers on the Brobank.ru portal for issuing interest-free credit cards with an attached grace period. You can choose any of them and immediately submit an online application for extradition. Ideal options are credit cards with a discount of 100-110 days, consider the following interest-free products:

• This bank offers the largest interest-free period, its cards can be used free of charge for up to 240 days. There is no such offer anywhere else. But when choosing, keep in mind that the bank charges a service fee of 599 rubles per month. It is not charged if you spend more than 60,000 rubles non-cash in a month.
• card with 120 days of free use. The bank offers a large limit of up to 1,000,000 rubles and free service for purchases of 15,000 rubles per month. If you need a limit of up to 100,000 rubles, only a passport is enough; if you request a larger amount, 2-personal income tax is required.
• One of the most popular credit cards with a grace period, you can use it for free for up to 100 days. And the most attractive is a card without a commission for cash withdrawals within the limits of 50,000 rubles per month. In addition, grace also applies to withdrawals, which is extremely rare on the market.
• 110 days without interest. It's also a pretty interesting proposition. If you are interested in credit cards with cash withdrawal without interest, this is the right option. For free service, it is enough to spend 8,000 rubles from the card account on purchases.
• cashback card. It can be used for free for 111 days. Additionally, the client receives another bonus - the cashback option, he returns back to the account up to 5% of the spent.

You may also be interested in VTB Multicard, it has an interest-free period of 101 days. If we consider the proposals of Sberbank, then its interest-free credit cards can be used for a maximum of 50 days. Tinkoff also gives a benefit, but its term is up to 55 days.

Compare the conditions for issuing different cards, read reviews from those who have issued and use such a product. The most important thing is that when receiving a credit card, check with the manager at what point the period begins when you can use a credit card without interest.

If the bank says that it sets a grace period of 90 days, then these days can be recorded from the date the card was made, from the date the first debit transaction was made. This is important to clarify, so as not to get confused later in the timing. And it’s better to immediately connect an online bank to view the terms of the grace. Banking is provided free of charge, through it you can carry out various payment transactions online, just keep track of accounts.

How to cash out a credit card with a grace period

All credit cards can be cashed out using any ATM. In this matter, it doesn’t matter whose device you use, even the “native” bank, even any other. But an important point is that the standard grace period does not apply to such operations. And some banks even turn it off if the client withdraws cash. In addition, the fee for cashing out a credit line is always high.

If you want to get a credit card with an interest-free period, which will be optimal for withdrawals, choose the Alfa-Bank product 100 days without interest. According to it, grace is valid for more than 3 months, and you can withdraw up to 50,000 rubles a month without commission, and the benefit applies to these operations.

Get a credit card for a period of 100 days without interest

It is possible to issue a personal card with cash withdrawal without interest via the Internet. To apply, you do not need to visit a banking institution or stand in long lines. It is enough to fill out a questionnaire on the official website, while the client does not have to provide detailed personal information. When registering, you may need your full name, phone number and a copy of your passport. The whole procedure takes about 5 minutes. You can quickly issue a card through the site if you have a computer or any other gadget with the Internet.

Steps for issuing a personal credit card:

1. Filling out an application on the official website.
2. Receipt of the card in hand (via courier or by mail).
3. Carrying out the activation of a credit card through the phone.
4. Transfer of the amount of funds specified in the contract.
5. Use of the card.

Most users do not know how to cash out in case of providing a credit card service. In such a situation, you can contact the technical service for help. Also, during registration, it is recommended to read the reviews of real customers who are already registered and use a credit card. The total period of using the card on preferential terms can be changed at the discretion of the user, taking into account the rules of the institution. The ability to withdraw money is available after activating the credit card.

Online application for a credit card without interest for cash withdrawals

By applying online for a credit card, you can save yourself time and money. To conclude an agreement and receive a loan, it is not necessary to be present at the bank. Express money services are quite in demand in the domestic space. Therefore, if you need to take a cash loan, it is best to contact the bank and apply for a card online.

FAQ

What are the most affordable credit cards without interest?

By affordable we mean credit cards that are issued by loyal banks without certificates. They have the highest chance of being approved. We recommend considering the following products:

• Alfa-Bank, 100 days without interest. Approves many applications, certificates are not required;
• Tinkoff, Platinum. Issues a decision on an online application in a few minutes, then immediately sends a credit card to the client. The bank is as loyal as possible;
• UBRD. Here you can apply for a credit card on one passport. Requirements for borrowers are extremely low. l/i>

What are the best interest free credit cards?

If you need a profitable card, analyze the offers of banks that issue reference cards. They always set the most favorable conditions and the most significant limits. For example, you can consider the products of Sberbank, VTB, Gazprombank, Promsvyazbank .. All of them issue profitable cards and connect a grace period to them.

Which interest-free cards can be cashed out for free?

First of all, consider Alfa-Bank's "100 days without interest" credit card for registration. You can withdraw up to 50 thousand a month for free, and this operation is subject to a grace period. You can also consider the offer of Raiffeisenbank, it issues credit cards with 100 days without interest and does not charge a cash withdrawal fee.

Does Sberbank issue interest-free credit cards?

Sberbank connects a grace period to issued credit cards, so you can really use the loan line for free as part of the grace period. But the period is short, maximum - 50 days. Cash-out operations do not fall under it, payments and transfers do not.

What conditions does Alfa-Bank set for issuing a card for 100 days without interest?

Applications for this credit card are accepted from all citizens over the age of 18. It can only be Russians who have a permanent residence permit and a monthly income after tax - at least 5,000 rubles.

References are not required, but without them, the limit will be lower, and the rates will be higher. For one passport, Alfa-Bank issues up to 50,000 rubles, for a passport and a secondary document - up to 200,000. Above - only with certificates. The maximum program provides for the issuance of up to 1,000,000 rubles.

Belarusbank issues debit cards, as well as an installment card. The conditions for obtaining a card at Belarusbank vary depending on the type of banking product.

Types of cards in Belarusbank

Belarusbank issues debit, credit and installment cards. A debit card can be obtained to pay for goods and services, withdraw cash. A credit card and an installment card are issued when there are not enough personal funds for purchases. The main difference between them is that interest is not charged on the installment card.

The client can choose a card from the payment system:

• VISA;
• Mastercard;
• Belkart.

Conditions for obtaining cards in Belarusbank

Conditions depend on the type of banking product. Credit cards have a certain limit. With an installment card, it is possible to accrue interest on the balance of funds stored in the account. involves the accrual of bonuses or cash back, discounts in partner organizations.

To apply for a card in 2020 at Belarusbank, you must provide:

• statement;
• passport;
• information about income (only for receiving a credit card);
• other documents at the request of the bank.

The amount of the annual service depends on the specific product and the service package used. Premium cards that allow you to withdraw money from any ATM in the world without commission will be much more expensive. But they offer premium service.

With the help of our site it is possible to apply for. At the same time, you can compare all card products of Belarusbank on this page.

Any adult resident of Belarus can apply for a credit card without collecting a voluminous package of documents. Priority is given to customers who have a positive credit history. They can count on loyalty, use of the grace period and participation in bonus programs. If a credit card is issued for a significant amount, some banks will require proof of solvency or provide collateral.

What are credit cards?

Credit cards of the Republic of Belarus are standard and chip (the latter are equipped with a magnetic stripe and a microprocessor). Depending on the possibilities, there are:

• classic credit cards - have regular credit programs and standard services;
• gold credit cards - have an increased limit and can use special offers;
• platinum credit cards - able to emphasize the status of the client, have a package of additional services;
• co-branded credit cards - involve participation in bonus programs.

How to get a credit card?

To quickly apply for a credit card in Minsk, you can use the online application. This method allows you to fill out a form from any device with Internet access and send your data to the selected bank. Our financial resource, which contains the most profitable offers from various institutions, will help you make the right choice.