Instant credit cards for cash withdrawals. Credit cards without interest. At Tinkoff Bank

A credit card with a grace period is already a familiar attribute of a modern person. But not every citizen thinks about how profitable their credit card is and is it better? But this is an important nuance that allows you not only to save, but also to earn money on your daily expenses. Great competition among banks for potential clients forces them to come up with new card products that would be interesting not only to the bank, but also beneficial to clients. And in this situation, people have a question: “ Which bank is profitable to open a credit card at?” and “Which is the most profitable in 2019-2020?”

In this review, we will look at the most profitable credit cards of 2019-2020.

What should be a profitable credit card?

Let’s decide what a profitable credit card should be. What advantages and conditions should it have?

1. Annual card maintenance– this is the main parameter when choosing a profitable credit card. “By default,” everyone would like to have a card without annual maintenance, but it happens that a card with paid annual maintenance can still be profitable and interesting, provided that the card has certain tariffs that can easily recoup the cost of maintenance.
2. Cashback accrual. It's hard to imagine now bank cards for which the bank would not establish a cashback function, but the size of the cashback and the conditions for receiving it differ in each bank.
3. Grace period. For credit cards, an important role is played by the grace period, which can be “fair” or “unfair”, covering cash withdrawals or not, as well as an important parameter - duration grace period. The longer the grace period, the more profitable the card.
4. Cash withdrawal fee. A profitable card is mainly sought by those who plan to withdraw cash, because such a parameter as the commission for cash withdrawal plays a very important role and is quite expensive when using a credit card to withdraw cash.
5. Commission for additional services. Additional services include SMS notifications, topping up a card from another bank, transfers to other banks, including from card to card, and so on. In some banks, these services are absolutely free, while in others they may charge a fee for this.

The most profitable credit cards of 2019

Below is a list of ratings of the TOP 8 bank credit cards that are the most profitable cards in 2019. The selection of credit cards was carried out on the basis of current tariffs, personal experience and reviews on the Internet. This selection will help you choose the most advantageous offer for yourself and get an answer to the question: “What is the most profitable credit card with a grace period?”

Tinkoff Platinum - the most profitable credit card from the best online bank

Credit Tinkoff map Banka is one of the most popular credit cards in Russia. The card is issued by the best online bank in the world (according to numerous ratings). The flagship product is popular because it can be ordered via the Internet and without certificates from your place of work. Unlike other cards, you will receive a Tinkoff Bank card in 2-3 days by courier to your home.

But besides the convenience of issuing a card, the card has several undoubted advantages that make it the most profitable credit card for all categories of users: students, working citizens and pensioners.

What are the benefits of the Tinkoff card

1. bonus program"Bravo", which allows you to receive bonuses for your purchases up to 30% special offers which can be seen on the Internet and mobile banking. These are, for example, large online stores, well-known chains of cafes and restaurants, popular services for ordering air and train tickets, and much more. For any other purchases, cashback will be 1%.
2. If you have a credit card debt in another bank, and you decide to get a card from Tinkoff, then you can transfer your debt from another bank to Tinkoff. The service is called "Balance transfer". When transferring debt from another bank, you will receive a grace period of 120 days for this transferred debt. That is, no interest will accrue for 4 months. This is a unique service that is available only at Tinkoff Bank.

Credit card "Platinum" from Russian Standard for cash withdrawal without commission

Since last year, Russian Standard Bank has become more active in the credit card market. One of the main cards in this bank is credit card Platinum. The card is very different from all other and previous cards of this bank.

Main benefits of a credit card

• No commission for cash withdrawals credit money from map.
• The cost of annual maintenance is 590 rubles.
• Low rate from 21.9%
• Cashback 15% with bank partners and 5% in selected categories. Standard 1% on all other purchases.

"Alfa-Bank - 100 days without interest" - the best credit card for cash withdrawals and purchases without interest

A credit card from the largest private bank in Russia stands out from others in that it has a grace period of 100 days. Alfa-Bank became one of the first banks to begin issuing cards with a grace period beyond the traditional 55-60 days. Today, the card is considered the best in terms of such parameters as the duration of the grace period and conditions for cash withdrawal.

This card will be of interest to those who are used to enjoying a grace period with average and major purchases, as well as for those who often withdraw cash from a credit card (the grace period for an Alfa-Bank card also applies to cash withdrawals). That is why the Alfa Bank card can be considered one of the most profitable credit cards for withdrawing cash from ATMs.

Installment credit cards “Conscience” and “Halva” for profitable purchases

Have you ever made purchases in installments? For example, for a promotion in M.Video or Eldorado. When arranging such installment plans, which are arranged through a bank, very often credit specialists “push” supposedly compulsory insurance life. That is, it is almost impossible to arrange a “naked” installment plan. There will still be an overpayment.

And in 2016, credit cards appeared that allow you to buy goods and pay for services from card partners in installments of up to 12 months. For example, to buy a refrigerator from a hardware store in installments, you do not need a loan specialist. You simply choose a product, go to the checkout and pay there with your installment card. And then pay in installments to the card. Without any imposed insurance or anything like that. The savings here are significant, since if you had processed the goods in a standard way, you would have paid for what was imposed bank insurance a tidy sum. In Russia now only 2 banks issue such profitable installment credit cards.

Card "Conscience" from Qiwi Bank allows you to purchase more than 40,000 thousand goods and services from Qiwi Bank partners in installments of up to 12 months. A card with a credit limit from 5 to 300 thousand rubles without annual maintenance and issue fees. To apply, you only need to submit an online application, and after approval, the card will be delivered to your home. Perhaps this the best choice for shopping lovers, especially among girls.

Similar "Halva" card from Sovcombank. “Halva”, as well as the card from Qiwi Bank, is absolutely free. In addition, to receive a card, you just need to fill out an online form and, after approval, receive the card at any Sovcombank branch or by courier. The card is not personalized and is issued immediately. For registration you only need a passport. You can use both debit and credit. The card provides cashback up to 20 percent! Everyone, including pensioners, will be able to experience the benefits and benefits of the card. Details in map overview.

CASHBACK credit card with the best conditions from Vostochny Bank

Among the most profitable credit cards of 2019 with better conditions For cashback, you can select a credit card from Vostochny Bank, which is simply called “CashBack”. It allows you to receive a 5% refund on purchases in categories that the bank sets every three months. Currently there are Pharmacy categories; Clothing and Footwear; Goods for children. For all other purchases, the traditional 1% cashback.

The card is serviced free of charge for the entire period. But you will have to pay 1000 rubles for the release. But this fee will pay for itself in the first month of using the card. The credit limit on the card is from 55 to 400 thousand rubles, a grace period of up to 56 days and for storage own funds 4% per annum on the card.

Also, Vostochny Bank has a credit card, where instead of interest on the loan a daily commission is charged - the “Simple” card and a credit card called “Seasonal” with instant issuance, grace period of up to 56 days and a low rate of 11.5% per annum in the first 3 months.

To apply for one of these cards, just leave an application using the link below and wait for a call from a bank specialist who will announce the decision and help you choose the best and most profitable credit card for you, depending on your needs.

Credit card with a favorable grace period of 120 days from UBRIR Bank

At the Ural Bank for Reconstruction and Development you can order a credit card with a long grace period, which is 120 days for all purchases. Such a long grace period automatically makes the card very profitable for making both large and small purchases wherever cards are accepted. But in addition to 120 days without interest, the bank gives another 1% cashback for any purchase.

It’s worth getting a UBRIR card because:

• Credit limit from 30 to 300 thousand. To get the maximum limit, you can provide 2-personal income tax if desired. In general, all you need is a passport.
• The grace period applies to all card transactions. Even if you withdraw cash from an ATM, there will be a four-month grace period!
• Card service - zero rubles. The same thing with the production of plastic - you don’t have to pay for it either!
• Age for registration from 19 to 75 years. That is, both young people and pensioners can apply for the card.

To apply for a card, you must receive a ready-made card at the nearest bank branch or delivery to a convenient address.

Card Credit Plus - the best credit card with instant cashback

Credit Europe Bank has a credit card that stands out significantly for its favorable conditions - Card Credit Plus. This card product has the following advantages:

• Instant card issue when ordering online.
• Credit limit up to 600 thousand rubles. For a limit of up to 350 thousand, you only need a passport!
• Grace period up to 55 days. Installment plans with bank partners range from 2 to 11 months.
• Free cash withdrawal abroad.
• Free service for purchases over 15 thousand rubles, otherwise 79 rubles.
• Well, the most interesting thing is 5% cashback in 4 categories of purchases(Clothes and shoes; Beauty and health; Entertainment; Cafes and Restaurants). All other purchases earn 1 percent cashback. Cashback is credited in the form of points, which can be used to pay for any purchase in any store in the world (the purchase is debited from the bonus account, not in money).
• Moreover, unlike other similar credit cards, cashback on this card is credited instantly!
• Almost every month the bank launches new promotions on this card, which allow you to receive additional cashback of up to 15-20%. For example, 7 days before a birthday and 7 days after it, an increased 10% cashback is provided for cafes, restaurants and entertainment.

Svyaz-Bank credit card without interest on purchases, cashback and discounts

The next bank in our rating, where you can get one of the most profitable credit cards with cashback and a grace period, is Svyaz-Bank. Banking organization issues a credit card with a 7 percent cashback and the ability to choose 1 category of increased refund.

Retailer categories of your choice for purchases with cashback

• Construction stores.
• Catering establishments.
• Entertainment and leisure.
• Beauty Salons.
• Gas stations and car service companies.

Thanks to a large cashback, an interest-free grace period of 55 days, and discounts from VISA partners, this Svyaz-Bank product can be called not only profitable, but also the best card according to the amount of cashback accrual..

Everyone will decide for themselves where to open a profitable credit card, but I hope this review will help you make the best choice. If you already use one of the cards, then leave your review about it under this post.

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% at bank offices and ATMs for any non-premium plastic, but for an embossed credit card VISA Classic 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.

The credit card has long been universal tool to meet material needs when personal funds are not enough. But large commissions for cash withdrawals often force potential consumers to decide how relevant the selected offer is. Credit cards with interest-free cash withdrawal is every person’s dream.

How to choose the right card for cash withdrawal

To choose the best offer for a credit card for cash withdrawal, it is recommended to first pay attention to 4 selection criteria:

1. Availability of a grace period. Most banks provide interest-free credit card services, where you can also withdraw cash from minimum size commissions. Russian banks It is not profitable to issue cash for free, so this practice can be found in absolutely every financial institution. The best option will be a fixed amount, but often a percentage of the withdrawal amount will be charged + a certain service fee
2. Loan size. The card sets a limit on funds that can be spent by the borrower. Here it is important to take into account your own capabilities and financial burden, so as not to delay payments in the future.
3. Interest rate. Begins to act upon completion. Then the borrower will have to repay the loan + interest, which increases monthly expenses. The optimal proposal would be action minimum rate
4. Maintenance cost. Some banks provide the first year of service free of charge. However, this parameter also includes the presence additional commissions and fees, bonus programs, cash back.

A credit card with interest-free cash withdrawals is an ideal option for those who are used to making purchases with real money.

Sberbank credit cards for cash withdrawals without commission

Sberbank is one of the most popular and reliable Russian banks. Regardless of the type of credit card, the commission for cash withdrawal is established in all offers presented. Deserves close attention Gold cards with optimal terms of cooperation:

1. There is a daily limit on cash withdrawals in the amount of 100,000 rub. lei. Depending on which third party ATM you are using, commission set at 3−4%
2. Cash withdrawals are available at any Russian ATMs
3. Provided credit limit up to 600,000 rubles
4. The period without interest accrual is 50,000 rubles
5. Loan rate from 25.9%
6. Action of the bonus program “Thank you from Sberbank”
7. Free card issue
8. Registration within 3 working days
9. Depending on the individual conditionsthe cost of maintenance per year is up to 3,000 rubles.

The percentage of cash withdrawals from a Sberbank credit card will not be deducted if the money is withdrawn from ATMs of this financial institution.

Alfa Bank cards for cash withdrawal without commissions

Alfa Bank credit cards provide optimal offers for cash withdrawals if the monthly amount does not exceed 50,000 rubles. In this case, no commission is provided. If the amount to cash out exceeds set limit, there is a commission of 500 rubles + 5.9% of the established amount.

The following terms of use are also provided:

1. The application, SMS notifications and Internet banking are provided free of charge
2. Period without percentage usage card is 100 days
3. Security is ensured by payment confirmation in 3D Secure format
4. No commission when replenishing your account
5. Credit line up to 300,000 rubles
6. Loan rate from 23.99%
7. The cost of annual maintenance is 1290 rubles.

Cash withdrawals from an Alfa Bank credit card must be made only in the banks of this financial institution.

VTB credit card for cash withdrawal without interest

A unique offer from VTB “Multicard” in the form of a universal credit card offers not only cashless payment for purchases, but also the possibility of withdrawal Money on favorable conditions. The following proposal is provided:

1. The possible amount for cash withdrawal per day is 350,000 rubles. Free cash withdrawal
2. Withdrawal of funds from any ATMs
3. The maximum credit limit is 1,000,000 rubles
4. The grace period is 50 days, but does not apply to the possibility of cash withdrawals
5. Loan rate from 26%
6. Bonus program, providingcashback up to 10% of purchases
7. Free card registration
8. Production within 3 working days
9. If total amount purchases per month exceed 15,000 rubles, no service costs are charged. At standard conditions, the cost of use per month is 249 rubles.

A credit card without cash withdrawal is only suitable for those who are used to making purchases online or through bank terminals.

Tinkoff credit card

Innovative Tinkoff Bank does not have fixed offices, so the entire application process before receiving the card is carried out via the Internet. The following conditions apply to customers using the Leto product:

1. There are no restrictions on withdrawals. There is no commission for cash withdrawals
2. Withdrawing funds is possible at any ATM
3. There is a limit of up to 300,000 rubles
4. Using PayPass technology to carry out contactless payment
5. You can top up your card for free through third-party ATMs
6. Free issue
7. The cost of service per month is 99 rubles
8. Processing and delivery within 2 business days.

Many people consider this to be the best credit card for withdrawing cash.

Home Credit - cards for cash withdrawal

The successfully developing Home Credit bank offers its Platinum card subject to the following terms of use:

1. To withdraw cash, a commission of 4.9% of the requested amount is paid, but not less than 399 rubles
2. Loan rate 29.8%
3. For annual cash withdrawals from the card, the rate is 49.9%
4. Renewable credit line up to 300,000 rubles
5. Grace period effect for 51 days
6. bonus program cashback up to 5%
7. When using the Benefit program, the cost of annual maintenance is 4990 rubles.

For those wishing to take out a loan for the purchase of goods, the new offer of the “Installment” card will be interesting, but cash withdrawals are not provided. The focus of the product is issuing a consumer loan for purchasing purchases. A credit card with free cash withdrawals exists, but not at all banks. Therefore, the conditions for using a credit card should be studied before purchasing the product.

Video “How to withdraw cash from credit cards without”

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
• Deadlines for registration 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 major cities Russia. It offers people all the basic Banking services. The credit card of this bank allows you to withdraw without commission quite large sums at any ATM. However, this transaction ends the grace period.

You can withdraw money from any ATM.

Cashback is credited without restrictions on the amount.

UBRD supports high level 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
• Deadlines for registration 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 countries 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, support 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
• Deadlines for registration 2-3 days

Flaws

• No bonuses for purchases

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

Eastern 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 from the card at any time a small amount in cash.

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
• Deadlines for registration 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
• Deadlines for registration 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.

WITH Cash card You can withdraw the required amount of money 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
• Deadlines for registration 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 included in the financial OTP group- one of the largest in Europe. It offers private and to corporative 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
• Deadlines for registration 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, best offer for withdrawing cash, you can call it 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 register debit card– for her, most often, restrictions on withdrawal of funds do not work. In addition, with this card you can get consumer loan for the required amount, and money can be freely withdrawn 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

January 2019

Credit cards were created for convenient payment various purchases using funds provided by the bank on credit. You can withdraw cash from a credit card, but this is not profitable for the bank. The lender does not earn on the commission from the trading organization and is forced to bear increased risks. But it’s difficult to manage without cash at all. Therefore, in today’s material we will talk about the best credit cards with free cash withdrawals.

TOP 5 credit cards with interest-free cash withdrawals

On Russian market More than 400 banks operate. Many of them actively lend to private clients and issue credit cards. Majority financial institutions They are quite conservative when it comes to credit cards. They focus them more on paying for goods in stores and online. This is due to the possibility of receiving additional profit from the commission paid by the seller. Cash advances by credit card are possible, but may incur quite significant fees.

Some banks, in the fight for customers, deviated from standard rules and began issuing credit cards that allow you to withdraw cash without interest. The most popular among such products are the following: credit organizations:

• Alfa-Bank - “100 days without interest”;
• Vostochny Bank - “Simply”;
• Bank Otkritie - “120 days without payments”;
• Raiffeisenbank - “110 days”.

Each product has its own service features, which must be studied before submitting an application. Otherwise, the client risks encountering unpleasant surprises.

Card “100 days without interest” from Alfa-Bank

Most high percent approval!

A profitable credit card for cash withdrawal is offered by one of the largest Russian banks - Alfa-Bank. It was called “100 days without interest.” Plastic production possible various categories. The cost of service will depend on it (from 590 to 6,990 rubles per year) and the maximum limit, which can be up to 500 thousand rubles for standard version(or up to 1 million for platinum). The rate is set individually, but it cannot be lower than 11.9%.

For 1 month, a client can withdraw up to 50 thousand rubles without commission. If you exceed the limit, you will have to pay a commission fee of 3.9-5.9%, but not less than 300-500 rubles. The exact amount of the commission depends on the category of plastic.

Grace period - 100 days for all types of operations. The client can use the provided credit limit to refinance credit cards from third-party banks. In this case, there will be no commission for transferring funds (regardless of the amount).

Attention, promotion!

Those who apply for a card using the link below from December 3 to December 31 will receive the first year of card service free of charge.

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Credit card "Simply" from Eastern Bank

CB Vostochny has been specializing in issuing loans to the population for a long time. Interest-free cashing out of credit cards is allowed within the “Simply” tariff. It is somewhat different from classic credit cards. The plastic service fee is charged only if there is any debt and amounts to 30 or 50 rubles per day (for a limit on the card at 70 and 120 thousand respectively). If the client has no debt to the bank, then he does not need to pay anything. The credit limit can reach either 70 or 120 thousand rubles.

Within the approved limit, the client can withdraw money, pay for any goods and transfer funds without commission. In fact, according to the documents, the bank provides him with an interest-free period of 60 months for all types of transactions. While the grace period is in effect, the borrower does not have to pay interest, but he will be charged a service fee. If the debt is not repaid within 5 years, the loan rate will be 20%.

You can withdraw up to 100 thousand rubles per day, and up to 1 million per month. In this case, no fee will be charged even when using ATMs of third-party banks. Free release allowed additional cards Visa and also UnionPay.

Those who apply for a card using the link below from December 3 to December 31 will receive the first year of card service free of charge.

The bank offers the opportunity to withdraw cash without commission using a Renaissance Credit credit card. There is no charge for releasing plastic. Free service is valid for the first year; from the second year there is no need to pay for service. monthly amount purchases on a credit card from 5 thousand rubles, otherwise the payment amount will be 99 rubles per month. For this product, the credit limit reaches 300 thousand rubles. The bank provides the client with an interest-free period of up to 55 days for any purchases using the card.

Cash can be withdrawn without commission through ATMs of any banks. The card can be obtained by citizens of the Russian Federation aged 24 to 65 years. To apply for a credit card, simply fill out an online application. Plastic can be obtained at a bank branch or ordered free courier delivery.

Those who apply for a card using the link below from December 3 to December 31 will receive the first year of card service free of charge.

Credit card “120 days without payments” from Otkritie Bank

A card from Otkritie Bank allows you to withdraw cash without commission in the amount of up to 200 thousand rubles per day and up to 1 million rubles per month. You can withdraw money through any ATM. Issuing a credit card is free, but annual maintenance will cost the client 1,200 rubles. Until October 31, 2020, there is a promotion - 100 rubles will be credited to the card account every month for monthly spending of more than 5 thousand rubles. So the client can return all the money for servicing the plastic. The credit limit for this product is up to 500 thousand rubles.

The grace period is 120 days (applies to any purchases with the card). The interest rate after the end of the grace period is from 13.9%. A credit card with a limit of up to 100 thousand rubles can be issued without proof of income.

Those who apply for a card using the link below from December 3 to December 31 will receive the first year of card service free of charge.

Credit card “110 days” from Raiffeisenbank

Russian Raiffeisenbank is a subsidiary of the Austrian banking group. It offers the opportunity to withdraw cash free of charge using the “110 days” product for the first 2 months of using the card as part of the “Cash without commission” promotion. The cost of servicing the plastic card will be 150 rubles per month (if you spend more than 8 thousand rubles per month on the card, you will not have to pay for maintenance). The maximum credit limit is 600 thousand rubles.

There is no fee for withdrawing cash from a credit card during the first 2 months after its issuance if you use a Raiffeisenbank or partner ATM to receive money. If cash is withdrawn through devices of third-party credit institutions, the commission will be 3.9% + 390 rubles. The rate is in the range of 29-30.5% when paying in stores and online, and for other transactions it will be increased to 49%. The grace period for purchases is up to 110 days (valid for non-cash transactions).

Those who apply for a card using the link below from December 3 to December 31 will receive the first year of card service free of charge.

Does the grace period apply to cash withdrawals?

Russian legislation allows banks to independently set conditions for credit cards, including regarding the grace period. Some banks, for example, Alfa-Bank, KB Vostochny, extend the opportunity not to pay interest when repaying debt during the interest-free period to cash withdrawal transactions.

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