Which banks offer the best credit cards?

January 2019

The popularity of such a banking product as a credit card is growing rapidly every year. The terms of their use and service are constantly improving due to the fierce competition among companies in the financial sector. Banks, in order to attract more customers, create more and more diverse and attractive loan products. In this article, you can find out which banks present the most profitable credit cards to their customers in 2019, as well as find out their main features.

What should you pay attention to when choosing a card?

Before proceeding directly to the description of the best banking products, you must first decide on the most important criteria, the combination of which will ultimately help you make a choice in favor of the best and most advantageous offer.

When evaluating a particular credit card, you should consider and compare the following characteristics:

Grace period (grace period). This is the period of time within which a credit card user can use borrowed funds free of charge, provided that the full repayment of the debt is made before the end of this period. As a rule, the grace period is valid for non-cash transactions. However, some banks will present. The average duration of the interest-free period for the bulk of banking products is about 60 days. However, there are now offers on the market with a longer grace period - you can find out about them.
Minimum payment. Represents a mandatory monthly payment in the presence of credit card debt. Determined by a fixed percentage of the total debt on the settlement date. The monthly payment for most Russian banks is 5% of the total debt.
Cashback. An option that sets a certain percentage of the return on spent funds. Each financial institution has its own percentage of cashback accrual. A huge variety of different credit cards offer a variety of types of such refunds depending on the area of payment (some offer increased cashback for paying with a credit card at gas stations and restaurants, some for buying clothes and shoes, and so on). The minimum cashback is charged for absolutely any purchase (if such an option is provided on the card). A list of the best cashback credit cards in 2019 can be found in the corresponding material.
Payment for the annual maintenance of the card. There are cards both with an annual service fee and without it. However, you should not put this point at the forefront, since other conditions for a credit card with free service can be much worse than for a paid one. Here it is necessary to make a comprehensive assessment of all the main factors.
Commission for issuing cash at ATMs. This item must be taken into account by those who plan not only to pay with a credit card in stores or on the Internet, but also to withdraw money from it. Such people should opt for offers where there are no commissions for withdrawing funds.
Fee for additional services. Such services include a mobile bank, SMS informing, transfers to third-party financial organizations, replenishment of the card balance through the terminals of other banks, and so on.

Which bank has the best credit card?

Now you can go directly to the description of the most attractive credit cards provided by the country's leading banks. Below is a list of TOP-6 financial institutions with the best conditions for credit cards. From this list, you can choose the most suitable and profitable credit card, based on your needs.

Rosbank - credit card for purchases "#MozhnoVSE"

The main advantages of this credit card are a large credit limit and an interesting cashback program. The maximum amount of credit funds can be 1 million rubles, and the grace period is 62 days (applies to both card payments and cash withdrawals), which is a pretty good result. With a credit card, cashback is possible from 1 to 10% (the maximum return of 10% can be received for payment in your favorite category, which can be changed once a month, and 1% for all other purchases).

The fee for issuing a card is 0 rubles, the first year of use is free, and the cost of payment for subsequent ones is 890 rubles per year (you will not have to pay for plastic maintenance if the credit card turnover for the previous year is more than 180 thousand rubles). The mandatory monthly payment is set at 5% of the principal amount. The minimum interest rate is 26.9% per year. The commission for receiving cash is 4.9%, but not less than 290 rubles.

The SMS-informing service will cost 60 rubles per month. You can apply for a credit card on the bank's website. It will take no more than 5 minutes to review it.

Issue a card

Russian Standard Bank - cashback for all purchases with a Platinum card

Among the variety of credit cards offered by this bank, the card with the option of interest-free installments up to 1 year "Platinum" stands out. With a credit card, cashback is possible up to 15% for purchases from partners, up to 5% in three selected categories, and 1% will be returned from the cost of other purchases.

Standard credit limit - up to 300 thousand rubles. The interest-free period is 55 days (does not apply to cash withdrawals). The interest rate, if the payment of the debt is not received during the grace period, starts from 21.9% for card purchases, and for cash withdrawals, the minimum rate will be 29.9%.

A commission of 3.9% + 390 rubles applies directly to the issuance of funds through a bank terminal (in the first month of using the card, you can withdraw cash without a commission, and through third-party ATMs too). Transfer between cards is subject to the same commission.

The annual cost for servicing the card is 590 rubles. For using the service of notification of transactions via SMS, you will have to pay 59 rubles per month. The minimum monthly payment is 3% of the debt.

Issue a card

Tinkoff Bank - a profitable credit card for everyday purchases Tinkoff Platinum

This product is the most popular in the field of credit cards. This is not without reason, because the conditions for this credit card are very tempting.

The interest-free period has a time frame of 55 days (there is also a 0% installment plan for 365 days with bank partners), and the upper limit of the amount of credit funds is 300 thousand rubles. The interest rate here is from 12% for card purchase transactions (in case of delay) and from 30% for cash withdrawal transactions. The minimum monthly payment is calculated individually and ranges from 6 to 8%.

The cashback program is as follows: 1% return on the amount of all purchases and up to 30% - for special offers (you can find them when visiting your personal account).

There is a commission of 2.9% + 290 rubles for cash withdrawal through a bank terminal. SMS notifications about transactions will cost 59 rubles per month.

Another factor justifying the high popularity of this credit product is that you can apply for a card from the age of 18 without proof of income. You can place an order via the Internet - the application will be considered instantly and the credit card will be delivered to the required address within 2-3 days. The annual cost of maintenance is 590 rubles.

Issue a card

Vostochny Bank - profitable credit card "Prosto"

The main feature of this card is the daily fixed amount of payment in case of debt on the card, which is 30 or 50 rubles - this model is ideal for short-term loans. Grace period - up to 1,850 days.

Other characteristics of plastic:

the maximum amount of credit funds - 70 or 120 thousand rubles;
loan rate - 20% after 60 months;
cashback program - up to 40% return on online purchases in partner stores;
the cost of SMS informing - 89 rubles per month;
There is no commission for withdrawing cash from an ATM;
The grace period applies to any transactions.

To get a card, you need to submit an online application. The decision will be made within half an hour, after which you can pick up a credit card at any convenient branch.

Issue a card

Alfa-Bank - credit card "100 days without%"

This card is one of the most profitable for cash withdrawals through ATMs. You can withdraw up to 50 thousand rubles a month from it without commission. It is noteworthy that the grace period for this card is valid not only for paying for goods and services, but also for the amount of cash that was withdrawn through an ATM, which credit cards of most other banks cannot boast of.

The interest-free period, as the name of the card implies, can be up to 100 days. Interest on the loan starts at 11.99%. The maximum amount of credit funds is 500 thousand rubles (for the standard version of the card). The minimum monthly payment is equal to 5% of the principal amount of the debt, but cannot be less than 300 rubles.

A year of servicing a credit card from Alfa-Bank will cost from 1,190 rubles. The price of SMS informing services is 59 rubles per month, starting from the 2nd month of use.

To obtain the desired product, you can fill out an online application for a credit card through the appropriate form on the bank's website. You can get an answer within 2 minutes and go to the nearest branch for a card.

Issue a card

Another card, the interest-free period for which extends its effect both to operations for paying for goods and services, and to withdrawing cash through ATMs.

The main characteristics of this credit card are as follows:

length of the grace period - 4 calendar months;
the maximum limit of the credit limit is 300 thousand rubles;
annual percentage - from 28 to 31%;
the amount of the minimum payment - 3% of the amount of the debt;
cashback - 1% for absolutely any purchase;
commission for withdrawing funds - 4% (but not less than 500 rubles);
the price of annual maintenance is 0 rubles (there are conditions);
the cost of SMS notification services is 50 rubles per month.

You can order a card via the Internet on the official website of UBRD Bank. There is a free shipping option.

Issue a card

How to get a loan?

To obtain the desired product, you can use two main methods:

Visit to a bank branch. You can apply for a credit card at the bank when visiting the selected branch and submitting an application to a specialist. The issue of issuing an appropriate card is considered quite quickly, and it is possible to receive a credit card on hand on the day of application.
Submission of an online application on the Internet resource of a financial institution. The client can leave an application for a credit card directly on the website of the bank of interest. To do this, you need to find the desired loan product there, fill in the requested contact information and leave an application. The review process will be very fast (usually no more than an hour). After that, using the specified contact details, a bank employee contacts the client and informs about the result. You can get a credit card in your hands at a convenient bank branch or when ordering home delivery (some organizations provide such a service).

A credit card is a very good tool for a financially literate person. If you comply with the time frame of the grace period and repay the debt on time, you can use credit funds absolutely free of charge.

It would be incorrect to recommend which bank credit card is better to issue to absolutely everyone without exception. Everyone has individual needs and desires, based on which it is necessary to evaluate all products and choose the best one.

The article describes the best credit cards among the variety on the market. After reading the article, it will only be necessary to decide on the choice of the most important parameters, analyze the above proposals and choose the optimal one.