Credit cards have become quite a convenient tool for managing money. They are rightfully considered the type of loan that is easy to obtain and convenient to repay. Despite the wide selection, the most popular is a credit card without annual service, which will be discussed later in the article.
Main advantages
Trying to keep regular customers and attract new ones, many banks are developing new conditions for servicing credit cards. The main advantage is the interest-free period for using cash. It is different for all banks, but this possibility gives the borrower the right not to think about financial problems for some time.
A credit card without a fee for annual servicing is becoming more and more relevant, although when concluding an agreement, a bank client needs to be especially careful.
Firstly, such a card may have a high interest rate outside the interest-free period. Secondly, free service can last only the first year after receiving a card. And thirdly, there may be a high percentage for cash withdrawals, conversions, etc.
Features
A credit card without annual service, unlike the others, can have a minimal set of options. In other words, it is given to familiarize yourself with the bank. Most likely, after the end of the validity period, such a card will be transferred to annual maintenance with a wide range of options.
A card without a service is often an advertising company of a bank to attract new customers, so you should figure out how beneficial it is to use it:
- The average annual servicing of a credit card is from 750 rubles. up to 3,000 rubles, depending on the type of card and the set of options, therefore, before concluding an agreement, a bank client needs to find out for himself whether the card will be used constantly or is it a backup option for a rainy day.
- If the card will be used constantly, especially for cashless purchases abroad, you should pay attention to the size of the conversion. After all, if the card is without a service, then most likely the bank will take sky-high interest for this option, then the meaning of free service disappears. The client of the bank will lose money on other operations with the card.
- Clients who constantly work with cards can be issued a credit card without annual service with a full range of options (usually these are “gold” cards for privileged customers).
Decor
You can apply for a credit card without annual servicing by personal appeal to a financial institution, or through the bank’s official website, leaving an online application. For registration, you only need a passport, but in this case, the limit on cash will be small.
If you want to receive a large amount, you need to be prepared to submit a full package of documents:
- passport of the Russian Federation;
- certificate in form 2 of personal income tax confirming income;
- additional identity documents;
- a copy of the work book;
- other documents requested by the bank.
If a person has a salary card of a certain bank, then it is better to make a request for a credit card in the same place. There is an option that the interest rate in this case will be less, and annual service will be absent.
Bank Offers
Consider some offers from different banks, where a credit card can be issued without annual maintenance.
Name of the bank | Basic conditions |
"VTB 24" | - “Gifts for purchases” - opening a card of 75 rubles, a monthly turnover on the card of at least 20 thousand rubles.
- “Cash Back” - credit cards with a cashback without annual maintenance with a monthly turnover of up to 20 thousand rubles.
- "Pocket" - a card costs 900 rubles.
- “World Map”, “Autocard”, “Collection”, “Impression Card” - opening a card costs 350 rubles, the monthly turnover should be at least 35 thousand rubles.
- Platinum cards can be issued for 850 rubles. and the turnover on the card must be at least 65 thousand rubles.
- Grace period - 50 days.
- The rate is from 28%.
|
"Bank of Moscow" | - Free card is served only the first year. Subsequent periods will be free if the borrower carries out monthly card transactions in the amount established by the bank.
|
"Renaissance Credit" | - The maximum card limit is 300 thousand rubles.
- Grace period is 55 days.
- Service is free only the first year.
- The rate on the card is from 24.9%.
|
Promsvyazbank | - Interest-free period up to 145 days.
- Interest rate - 29.9%
- The maximum limit is 600 thousand rubles.
- Free maintenance is only valid for the first year.
|
Russian Agricultural Bank | - Grace - period up to 55 days.
- Card rate from 23.9%.
- The first year of service is free.
- The maximum loan is 250 thousand rubles.
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There are, of course, other proposals from other financial organizations. In any case, each borrower must independently choose those conditions that are most suitable for him.
Offers from Sberbank
Sberbank credit card without annual service is offered to regular customers who already have a debit card, or to payroll customers. In both cases, this is a pre-approved non-serviced card with an individual cash limit.
The Golden Card.
Service | Tariffing |
Annual maintenance | - with prior approval - 0 rubles;
- with a usual order of a card - 3 thousand rubles.
|
Loan rate% | - for regular (salary) customers - 25.9;
- for other customers - 33.9.
|
Limit on the issue of cash per day | 100,000 - 300,000 rubles. |
The “Give Life” card has practically the same characteristics. There are slight differences in tariffing and in the limit on the issue of money per day.
Service | Tariffing |
Annual maintenance | - with prior approval - 0 rubles;
- with a usual order of a card - from 900 r. up to 3,500 rubles. (depending on the type of card).
|
Loan rate% | - for regular (salary) customers - 25.9;
- for other customers - 33.9.
|
Limit on the issue of cash per day | 50,000 - 300,000 rubles. (depending on the type of card and whether the customer is regular). |
Sberbank, for its part, sends up to 50% of the annual service cost to charity.
Map "Classical".
Service | Tariffing |
Annual maintenance | - with prior approval - 0 rubles;
- with a regular order of a card - 750 rubles.
|
Loan rate% | - for regular (salary) customers - 25.9;
- for other customers - 33.9.
|
Limit on the issue of cash per day | 50 000 - 150 000 rub. |
Of interest is the Aeroflot card. Depending on its type, the client receives, after paying for his purchases for every 50 rubles, from 500 to 1,000 “miles”.
Service | Tariffing |
Annual maintenance | From 900 rub. up to 3,500 rubles. |
Loan rate% | - for regular (salary) customers - 25.9;
- for other customers - 33.9.
|
Limit on the issue of cash per day | 50,000 - 300,000 rubles. (depending on the type of card and whether the customer is regular). |
The "Momentum" card is of another type. Its use has certain conditions.
Service | Tariffing |
Annual maintenance | Free |
Loan rate% | 18.9 |
Limit on the issue of cash per day | 50 000 - 150 000 rub. |
Additional terms | - penalty for late payments: 37.8%;
- commission for issuing cash at Sberbank's ATMs is 3%, but not less than 199 rubles, at ATMs of other organizations - 4%;
- provision of a report on a credit card account - 50 rubles.
|
The map "Youth" is also interesting. It can be issued for students who do not have a regular income.
Service | Tariffing |
Annual maintenance | 750 rub |
Loan rate% | 33.9. |
Limit on the issue of cash per day | 50 000 - 150 000 rub. |
Cash withdrawal
The credit card is designed to conduct cashless payments. If the borrower intends to withdraw cash, he must be prepared to pay a commission in the amount of 3% to 7%, and also lose an interest-free period. The use of cash withdrawn from a credit card is fraught with a huge overpayment and a large commission.
There are banks that offer credit card withdrawals. But such a service is more accessible to privileged clients, participants of salary projects and employees of the bank offering this option.